EIG FINANCIAL STATEMENTS

Employers Holdings Inc — balance sheet, income statement and cash flow trends

EIGEmployers Holdings Inc

🇺🇸 USA · NYSE · Financial Services · Insurance - Specialty

Value it Duel

Income Statement

Quarterly progression — trailing-twelve-month values

RevenueNet Income

Profit Funnel

Q1 2026 · TTM

Percentages are relative to revenue.

Key Figures

YoY change

Revenue863.4 M $+0.4%

Gross Profit296 M $-2.0%

Operating Income8.9 M $-93.0%

EBITDA21.2 M $-84.6%

Net Income8.2 M $-92.0%

Peer Comparison· Insurance - Specialty

Company	Rev. Growth	Gross Margin	EBITDA Margin	Net Margin
EIG	—	—	—	0.9%
TSU	—	—	—	4.7%
NHF	—	—	—	5.4%
MPL	—	—	—	5.3%
BEZ	—	—	—	88.1%
Industry median	—	—	—	12.4%

Balance Sheet

Quarterly period-end values

Total AssetsTotal LiabilitiesEquity

Capital Structure

Q1 2026

Equity866.5 M $25%
Current Liabilities2.5 B $72%
Long-term Liabilities88.5 M $3%

Key Figures

YoY change

Total Assets3.4 B $-3.4%

Total Liabilities2.6 B $+3.6%

Total Equity866.5 M $-19.4%

Cash & ST Investments1.1 B $+8.2%

Total Debt128.8 M $+3,289.5%

Net Debt-24.3 M $—

Peer Comparison· Insurance - Specialty

Company	Current Ratio	Debt/Equity	NetDebt/EBITDA	Equity/Assets
EIG	0.77	14.9%	-47.97	25.2%
TSU	23.58	23.4%	-0.19	18.5%
NHF	—	27.6%	0.48	52.2%
MPL	13.45	20.5%	0.04	55.0%
BEZ	—	12.9%	-0.60	30.1%
Industry median	2.53	20.5%	-0.54	30.3%

Company	Current Ratio	Debt/Equity	NetDebt/EBITDA	Equity/Assets
EIG	0.77	14.9%	-47.97	25.2%
TIPT	0.32	15.9%	0.50	7.2%
AMSF	0.54	—	—	22.0%
ITIC	3.53	3.2%	-2.03	75.5%
NMIH	0.39	0.0%	-0.10	67.3%
AGO	1.02	30.8%	-1.18	43.9%
Industry median	2.53	20.5%	-0.54	30.3%

Cash Flow Statement

Quarterly progression — trailing-twelve-month values

Operating Cash FlowCapital ExpendituresFree Cash Flow

Cash Flow Bridge

Q1 2026 · TTM

Key Figures

YoY change

Operating Cash Flow46.9 M $-48.1%

Capital Expenditures2.6 M $-36.6%

Free Cash Flow29.7 M $-65.6%

Dividends Paid-28.7 M $-195.7%

Peer Comparison· Insurance - Specialty

Company	CF Margin	FCF Margin	CapEx Ratio	CF/Net Income
EIG	5.4%	3.4%	0.3%	572.0%
TSU	10.4%	10.2%	0.2%	220.2%
NHF	5.4%	4.2%	1.1%	98.7%
MPL	4.8%	3.9%	0.1%	91.0%
BEZ	91.7%	90.5%	1.3%	104.1%
Industry median	18.5%	17.6%	0.6%	105.4%

Company	CF Margin	FCF Margin	CapEx Ratio	CF/Net Income
EIG	5.4%	3.4%	0.3%	572.0%
TIPT	17.4%	17.6%	0.7%	604.8%
AMSF	3.1%	2.5%	0.7%	21.9%
ITIC	11.6%	9.8%	1.9%	85.7%
NMIH	60.6%	59.8%	0.9%	112.6%
AGO	38.1%	38.1%	0.0%	87.2%
Industry median	18.5%	17.6%	0.6%	105.4%

Amounts are in the company’s reporting currency. Peer comparison tables use ratio-based metrics so currency differences do not distort the picture.

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Data on this page refreshes once per day. Price data as of Jul 7, 26. This content is for informational purposes only and is not investment advice.

Company	Rev. Growth	Gross Margin	EBITDA Margin	Net Margin
EIG	—	—	—	0.9%
TIPT	—	—	—	2.9%
AMSF	—	—	—	14.3%
ITIC	—	—	—	13.6%
NMIH	—	—	—	53.8%
AGO	—	—	—	43.6%
Industry median	—	—	—	12.4%