What is Employers Holdings's premium deficiency?

Employers Holdings (EIG) reported premium deficiency of $0 in Q4 2025.

What does premium deficiency mean?

Indicates a situation where the expected future claims and related expenses for a specific insurance product line exceed the unearned premiums and anticipated investment income. This serves as a critical indicator of underwriting profitability and potential reserve inadequacy for the insurance portfolio.

Employers Holdings EIG Premium Deficiency

Premium Deficiency at other companies

Clover Health InvestmentsCLOV

$0—

CenteneCNC

$0-100%

Cincinnati FinancialCINF

$5.42B+7.0%

Globe LifeGL

$0—

Globe LifeGL

$236.6M+6.5%

AllstateALL

$5.61B+4.1%

Other financials

Income statement

See full

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

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 eig:PremiumDeficiency.

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

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What is Employers Holdings's premium deficiency?: Employers Holdings (EIG) reported premium deficiency of $0 in Q4 2025.
What does premium deficiency mean?: Indicates a situation where the expected future claims and related expenses for a specific insurance product line exceed the unearned premiums and anticipated investment income. This serves as a critical indicator of underwriting profitability and potential reserve inadequacy for the insurance portfolio.