The earnings call highlighted the company's efforts in improving expense ratios and investment returns. However, challenges such as a decrease in gross written premiums, an increase in the loss ratio due to cumulative trauma claims in California, and a significant decrease in adjusted net income presented notable concerns. The sentiment was mixed, reflecting both the achievements in operational efficiency and the challenges posed by market conditions and specific state-level issues.

Company Guidance

During the second quarter of 2025, Employers Holdings, Inc. reported a 2.2% decrease in gross written premiums compared to 2024, primarily due to a decline in new business within the middle market. However, net premiums earned increased by 5.6% owing to strong net written premium growth in 2024. The company recorded a 4.6% year-over-year growth in the number of policies in force. Net investment income for the quarter was $27.1 million, slightly higher than the previous year. The current accident year loss and loss adjustment expense (LAE) ratio was 69%, up from 66% in the first quarter, reflecting a rise in cumulative trauma claims in California. Despite no prior year loss reserve development for voluntary business, favorable loss development from accident years 2020 and prior was reallocated to more recent years. Employers Holdings achieved reductions in the commission expense ratio to 13.2% from 13.9% and the underwriting expense ratio to 21.7% from 22.4% year-over-year. The total investment return was $57.5 million, a significant increase from the $26.5 million recorded in the prior year. The company repurchased $23 million in common stock and declared a third-quarter dividend of $0.32 per share.

Increase in Net Premiums Earned

Net premiums earned for the quarter increased by 5.6% compared to the prior year, totaling $198.3 million compared to $187.8 million in the previous quarter.

Record Number of Policies in Force

A record number of policies were in force with a year-over-year growth rate of 4.6%.

Reduction in Expense Ratios

The commission expense ratio decreased from 13.9% to 13.2%, and the underwriting expense ratio decreased from 22.4% to 21.7% compared to the prior year.

Increase in Investment Returns

Net investment income increased slightly to $27.1 million, with a total investment return of $57.5 million compared to $26.5 million in the prior year.

Dividend Declaration

A third quarter 2025 quarterly dividend of $0.32 per share was declared, payable on August 27.

Employers Holdings (EIG) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

Daily Earnings Calendar >

EIG Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 23, 2025	2025 (Q3)	0.54 / -	0.81	―	―	―
Jul 30, 2025	2025 (Q2)	0.99 / 0.48	1.1	-56.36% (-0.62)	―
May 01, 2025	2025 (Q1)	0.74 / 0.87	0.67	29.85% (+0.20)	―
Feb 20, 2025	2024 (Q4)	1.08 / 1.15	1.4	-17.86% (-0.25)
Oct 30, 2024	2024 (Q3)	0.78 / 0.81	0.68	19.12% (+0.13)
Jul 31, 2024	2024 (Q2)	1.08 / 1.10	1.17	-5.98% (-0.07)	―
Apr 25, 2024	2024 (Q1)	0.70 / 0.67	0.6	11.67% (+0.07)
Feb 15, 2024	2023 (Q4)	1.07 / 1.40	1.25	12.00% (+0.15)
Oct 25, 2023	2023 (Q3)	0.69 / 0.68	0.56	21.43% (+0.12)
Jul 26, 2023	2023 (Q2)	0.96 / 1.17	0.79	48.10% (+0.38)

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

EIG Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Jul 30, 2025	$45.27	$40.97	-9.50%
May 01, 2025	$47.42	$48.57	+2.43%
Feb 20, 2025	$47.84	$47.98	+0.29%
Oct 30, 2024	$46.72	$47.48	+1.63%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does Employers Holdings Inc (EIG) report earnings?

Employers Holdings Inc (EIG) is schdueled to report earning on Oct 23, 2025, After Close (Confirmed).

What is Employers Holdings Inc (EIG) earnings time?

Employers Holdings Inc (EIG) earnings time is at Oct 23, 2025, After Close (Confirmed).

Where can I see when companies are reporting earnings?

You can see which companies are reporting today on our designated earnings calendar.

What companies are reporting earnings today?

You can see a list of the companies which are reporting today on TipRanks earnings calendar.

What is EIG EPS forecast?

EIG EPS forecast for the fiscal quarter 2025 (Q3) is 0.54.

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