Skip to content
Screener

Employers Holdings EIG Combined Ratio

Combined Ratio at other companies

Employers Holdings logo
Employers HoldingsEIG
110.9%+13.0pp
RenaissanceRe Holdings logo
RenaissanceRe HoldingsRNR
27.1%-0.3pp
Axis Capital Holders logo
Axis Capital HoldersAXS
90%+4.7pp
Axis Capital Holders logo
Axis Capital HoldersAXS
94.5%+2.5pp
SiriusPoint logo
SiriusPointSPNT
92.3%+2.5pp
Old Republic International logo
Old Republic InternationalORI
100.1%-2.0pp

Other financials

Income statement

See full
Revenue$207.6M+2.5%
Net income$10.2M-20.3%
EPS (diluted)$0.520.0%

Balance sheet

See full
Cash & equivalents$153.1M+52.5%
Total debt$128.8M+3,289%
Total equity$866.5M-19.4%
Total assets$3.4B-3.4%

Cash flow

See full
Operating cash flow$2.2M-84.9%
CapEx$900.0K+80.0%
Free cash flow$1.3M-90.8%

Valuation

See full
Market cap$888.87M-8.6%
Enterprise value$864.57M-4.6%
P/E20×+9.0×
P/S-0.1×

Profitability

See full
Net margin6.9%-8.4pp
FCF margin3.8%-6.8pp

Returns & leverage

See full
Return on equity5.9%
Debt / equity0.1×+0.1×

Where this comes from

Reported directly by Employers Holdings in its filing.

Tagged under the XBRL concept us-gaap:CombinedRatio.

The source filing: Employers Holdings’s 10-K, filed February 26, 2026.

Filed
Feb 26, 2026, 4:53 PM EST
Fiscal year
FY2025
Accession
0001379041-26-000011
Year Ended December 31, 2025Insurance OperationsTotal
Net income before income taxes12.012.0
Income tax expense1.21.2
Net income(4)$10.8$10.8
Combined ratio110.9%110.9%
Adjusted stockholder's equity:
Stockholders' equity$955.7$955.7
Deferred reinsurance gain - LPT Agreement88.088.0
Accumulated other comprehensive (income), net of tax(7.3)(7.3)

Item 8. Financial Statements and Supplementary Data

FAQ

What is Employers Holdings's combined ratio?
Employers Holdings (EIG) reported combined ratio of 110.9% in Q4 2025.
What does combined ratio mean?
A fundamental measure of insurance underwriting profitability calculated as the sum of the loss ratio and the expense ratio. A ratio below 100% indicates an underwriting profit, while a ratio above 100% indicates an underwriting loss, serving as the primary benchmark for operational efficiency.

Ask your AI about Employers Holdings's combined ratio.

Connect your AI assistant and compare it to peers, right in your chat.

Connect your AI
Harbor at dusk
Claude