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Employers Holdings Inc (EIG)
NYSE:EIG
Earnings Data
Report Date
Apr 23, 2026After Close (Confirmed)
Period Ending
2026 (Q1)Consensus EPS Forecast
0.49Last Year’s EPS
0.87Same Quarter Last Year
Moderate Buy
Based on 1 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Neutral
The call balanced clear strategic and capital-strength positives — including significant share repurchases and dividends, an 11% increase in book value per share, expense ratio improvement (down 180 bps), stronger investment yields, a new AI-enabled excess workers’ compensation product with promising early results, and an A rating — against meaningful near-term underwriting headwinds: an 11% decline in gross written premium, an 18.7% increase in losses and LAE, an approximately 49.5% drop in adjusted net income, and a $40M after-tax realized investment loss that depressed quarterly results. Management emphasized disciplined underwriting, targeted California actions, and AI-driven efficiency to restore profitability, but some top-line and underwriting pressure remains and could depress 2026 written premium.Company Guidance
Capital Return and Share Repurchases
Returned $215,000,000 to stockholders in 2025 through share repurchases and dividends; repurchased ~2.4M shares in Q4 for $97,000,000 at an average price of $40.94 (≈20% discount to book value) and repurchased an additional 898,594 shares Jan–Feb at $44.28; completed $125,000,000 recapitalization in January; remaining repurchase authorization $53,100,000; Board declared Q1 2026 dividend of $0.32 per share.
Book Value Growth
Book value per share (including gain) increased 11% to $51.31, reflecting capital actions and operational performance.
Expense Ratio Improvement
Expense ratio improved by 180 basis points to 21.7% for 2025, driven by expense management and AI-enabled efficiency initiatives.
Investment Income and Portfolio Rebalancing
Net investment income increased 17.6% to $31.4M (from $26.7M). Weighted average book yield rose to 4.9% from 4.5% (net +40 bps). Investment rebalancing extracted an estimated net present value gain of $16.0M, reduced equity allocation toward target and increased portfolio yield.
Underwriting Expense Reduction
Underwriting expenses decreased 10.0% to $39.8M (from $44.2M) due primarily to expense management including reduced personnel and lower variable costs.
New Product Launch — Excess Workers' Compensation
Launched an excess workers’ compensation product leveraging core expertise and AI to accelerate underwriting and submissions; early market response strong. Management targets this product to reach ~10% of overall written premium over a multi-year horizon (4–7 years) and expects a mid-80s combined ratio at scale with relatively favorable expense and loss characteristics versus guaranteed cost business.
AI Adoption Driving Operational Gains
Aggressive AI adoption accelerated product development and claims platform enhancements (40–50 identified claims use cases, agentic assistants, transcription + LLM workflows), enabling faster launches and expected long-term expense savings and productivity gains.
Financial Strength Rating Reaffirmed
A.M. Best reaffirmed the insurance companies’ financial strength rating of A, supporting the company’s balance-sheet strength and capital strategy.
EIG Earnings History
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 |
|---|---|---|---|
Feb 19, 2026 | $42.45 | $39.18 | -7.70% |
Oct 30, 2025 | $40.40 | $37.82 | -6.38% |
Jul 30, 2025 | $44.90 | $40.63 | -9.51% |
May 01, 2025 | $47.03 | $48.17 | +2.43% |
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 Apr 23, 2026, After Close (Confirmed).
What is Employers Holdings Inc (EIG) earnings time?
Employers Holdings Inc (EIG) earnings time is at Apr 23, 2026, 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 2026 (Q1) is 0.49.