Employers Holdings Inc (EIG)
NYSE:EIG
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Earnings Data
Report Date
Jul 23, 2026After Close (Confirmed)
Period Ending
2026 (Q2)Consensus EPS Forecast
0.56Last Year’s EPS
0.48Same Quarter Last Year
Moderate Buy
Based on 1 Analysts Ratings
Earnings Call Summary
Q1 2026
Earnings Call Date:Apr 29, 2026|
% Change Since:
|
Earnings Call Sentiment|Neutral
The call balanced material operating headwinds—most notably a 15% decline in gross premiums written and a roughly 52% drop in adjusted net income—with clear capital strength and strategic progress. Management emphasized disciplined underwriting (72% accident-year loss and LAE ratio, no reserve strengthening), active capital returns (Q1 repurchases and dividend increase), investment yield gains (4.9% book yield), completion of a low-cost recapitalization, AI-driven innovation and new product launches. While near-term top-line growth is expected to remain pressured by intentional nonrenewals and competitive dislocation in select markets, the company demonstrated solid capitalization, improved expense ratios, and shareholder-friendly capital deployment, resulting in a mixed but balanced outlook.Company Guidance
Book Value Growth and Capital Returns
Book value per share (including deferred gain) increased 8.9% to $51.26; the company returned $83 million to shareholders in Q1 (share repurchases + regular dividends) following a record $215 million returned in 2025.
Active Share Repurchases at a Discount
Repurchased over 1.8 million shares in Q1 for $76.9 million at an average price of $42.42 (representing a 17% discount to book value including deferred gain); additional 353,547 shares repurchased 04/01–04/28/2026. Board approved a new $125 million repurchase authorization through 12/31/2027.
Dividend Increase
Board declared Q2 2026 dividend of $0.34 per share, a 6.25% increase from the prior quarter.
Reserve Adequacy and Stable Accident-Year Ratio
First-quarter actuarial review confirmed adequacy of prior-year reserves with no strengthening required; current accident year loss and LAE ratio of 72% is consistent with the 2025 accident year ratio.
Expense Management and Underwriting Efficiency
Underwriting expense ratio improved to 22.6% from 23.4% a year ago (improvement of 0.8 percentage points); underwriting expenses decreased 5% to $41 million, aided by reduced personnel and variable costs.
Improved Investment Yield and Income
Weighted average book yield rose to 4.9% at quarter end from 4.5% a year ago (+0.4 percentage points); excluding private equity returns, first-quarter net investment income exceeded prior year by $1.5 million. Fixed maturities maintained a modified duration of 4.4 and average credit quality of A+.
Strategic Product and Technology Initiatives
Launched excess workers’ compensation product, expanded underwriting segments/agent appointments, and advanced AI deployment (moved from experimentation to product deployment). Company became first carrier to bring quoting directly into ChatGPT using patented technology and held an AI strategy event with ~400 employees.
Recapitalization Completed at Low Cost
Completed $125 million new debt issuance for the recapitalization plan from cost-effective sources ($105M Federal Home Loan Bank and $20M credit facility) with a weighted average pretax interest rate of 4.1%.
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 |
|---|---|---|---|
Apr 29, 2026 | $42.77 | $42.12 | -1.52% |
Feb 19, 2026 | $42.13 | $38.88 | -7.70% |
Oct 30, 2025 | $40.09 | $37.53 | -6.38% |
Jul 30, 2025 | $44.56 | $40.32 | -9.51% |
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 Jul 23, 2026, After Close (Confirmed).
What is Employers Holdings Inc (EIG) earnings time?
Employers Holdings Inc (EIG) earnings time is at Jul 23, 2026, After Close (Confirmed).
Where can I see when companies are reporting earnings?
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What companies are reporting earnings today?
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What is EIG EPS forecast?
EIG EPS forecast for the fiscal quarter 2026 (Q2) is 0.56.