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Prior years at other companies

HCI Group logo
HCI GroupHCI
$0
Universal Insurance Holdings logo
Universal Insurance HoldingsUVE
Amerisafe logo
AmerisafeAMSF
W.R. Berkley logo
W.R. BerkleyWRB

Segments

By segment

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Involuntary Assigned Risk Business-$100K-117%

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-8.6%
Enterprise value$864.57M-4.6%
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:SupplementalInformationForPropertyCasualtyInsuranceUnderwritersPriorYearClaimsAndClaimsAdjustmentExpense.

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
Line itemYears Ended December 31, 2025Years Ended December 31, 2024Years Ended December 31, 2023
Net unpaid losses and LAE at beginning of period1,395.81,456.11,515.3
Losses and LAE, net of reinsurance, incurred during the period related to:
Current year548.1480.2457.8
Prior years39.6(18.4)(44.9)
Total net losses and LAE incurred during the period587.7461.8412.9
Paid losses and LAE, net of reinsurance, related to:
Current year127.6127.1111.7
Prior years436.6395.0360.4

Item 8. Financial Statements and Supplementary Data

FAQ

What is Employers Holdings's prior years?
Employers Holdings (EIG) reported prior years of -$9.9M in Q4 2025.
How has Employers Holdings's prior years changed year-over-year?
Employers Holdings's prior years decreased by 315.2% year-over-year, from $4.6M to -$9.9M.
What is the long-term trend for Employers Holdings's prior years?
Over 4 years (2021 to 2025), Employers Holdings's prior years has grown at a -0.1% compound annual growth rate (CAGR), from -$39.8M to -$39.6M.
What does prior years mean?
Reflects the adjustment to loss reserves for claims that occurred in previous fiscal years, often referred to as prior-year reserve development. It provides insight into the adequacy of historical reserving practices and the long-term accuracy of actuarial projections.

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