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Employers Holdings EIG Unearned premiums

Unearned premiums at other companies

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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$888.87M-9.3%
Enterprise value$864.57M-5.5%
P/E20×+9.0×
P/S-0.1×

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:IncreaseDecreaseInUnearnedPremiums.

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
Operating activitiesYears Ended December 31, 2025 / (in millions)Years Ended December 31, 2024 / (in millions)Years Ended December 31, 2023 / (in millions)
Operating lease right-of-use-assets1.46.4
Current federal income taxes(11.3)(8.4)(6.7)
Unpaid losses and loss adjustment expenses(2.4)(76.3)(76.2)
Unearned premiums(10.3)22.540.2
Accounts payable, accrued expenses and other liabilities(6.2)3.33.7
Deferred reinsurance gain–LPT Agreement(6.0)(5.2)(6.9)
Contingent commission receivable–LPT Agreement14.2(0.3)
Operating lease liabilities(0.3)(1.7)(6.7)

Item 8. Financial Statements and Supplementary Data

FAQ

What is Employers Holdings's unearned premiums?
Employers Holdings (EIG) reported unearned premiums of -$2.58M in Q4 2025.
How has Employers Holdings's unearned premiums changed year-over-year?
Employers Holdings's unearned premiums decreased by 145.8% year-over-year, from $5.63M to -$2.58M.
What is the long-term trend for Employers Holdings's unearned premiums?
Over 4 years (2021 to 2025), Employers Holdings's unearned premiums has grown at a 16.5% compound annual growth rate (CAGR), from $5.6M to -$10.3M.
What does unearned premiums mean?
Tracks the change in premiums collected for insurance coverage that has not yet been provided to policyholders. An increase typically signals growth in the insurance book of business, while a decrease may indicate a contraction in written premiums.

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