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.

Employers Holdings EIG Combined Ratio

Combined Ratio at other companies

SiriusPointSPNT

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Other financials

Income statement

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Revenue$207.6M+2.5%

Net income$10.2M-20.3%

EPS (diluted)$0.520.0%

Balance sheet

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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

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Operating cash flow$2.2M-84.9%

CapEx$900.0K+80.0%

Free cash flow$1.3M-90.8%

Valuation

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Market cap$890.44M-20.9%

Enterprise value$866.14M-15.8%

P/E20.1×+9.1×

P/S1×-0.3×

Profitability

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Net margin6.9%-8.4pp

FCF margin3.8%-6.8pp

Returns & leverage

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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 official record: Employers Holdings’s 10-K, filed February 26, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

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.