Employers Holdings
Financial ratios & Valuation

Forward Multiples (2025 – 2025)

2025
Price/Earnings ratio
10.70
Price/Sales ratio
1.25
Earnings per Share (EPS)
$3.98

Historical Multiples (2014 – 2023)

2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 TTM Median
Valuation Ratios
Price/Earnings ratio
7.369.2712.0314.259.768.538.039.8124.508.799.378.53
Price/Sales ratio
0.951.161.641.801.721.601.351.661.661.221.411.60
Price/Book Value ratio
1.071.151.521.521.351.150.790.961.251.021.161.16
Price/Cash Flow ratio
4.377.5210.4510.147.6510.8928.91108.3811.8821.0314.017.65
Price/Free Cash Flow ratio
4.638.3410.9010.768.1112.0834.63162.5812.2022.0114.458.11
Price/Earnings Growth ratio
0.13-1.181.01-2.600.250.62-0.441.87-0.420.050.050.62
Dividend Yield
1.01%0.87%0.89%1.36%1.93%2.15%3.19%2.47%7.61%2.85%2.31%1.93%
Profitability Indicator Ratios
Gross Profit Margin
83.30%-17876.33%82.54%82.49%80.19%100%100%100%100%100%99.98%80.19%
Operating Profit Margin
14.16%13.57%18.24%18.19%21.36%23.07%20.64%20.70%8.31%N/A29.63%21.36%
Pretax Profit Margin
13.77%13.21%18.04%18.01%21.17%23.18%20.76%20.90%7.82%17.44%19.12%23.18%
Net Profit Margin
13.01%12.55%13.68%12.66%17.65%18.79%16.84%16.96%6.78%13.87%15.27%18.79%
Effective Tax Rate
5.51%5.03%24.16%29.72%16.63%18.93%18.88%18.84%13.26%20.41%20.15%16.63%
Return on Assets
2.67%2.51%2.82%2.63%3.60%3.92%3.05%3.15%1.30%3.32%3.75%3.60%
Return On Equity
14.65%12.40%12.69%10.67%13.87%13.47%9.87%9.83%5.12%11.64%13.10%13.47%
Return on Capital Employed
2.94%-0.20%3.82%3.84%4.40%4.85%3.76%3.87%1.60%N/A7.42%4.40%
Liquidity Ratios
Current Ratio
0.030.010.020.020.030.05N/AN/AN/AN/A2.660.03
Quick Ratio
2.231.0784.5229.9644.5954.8866.0953.3455.580.622.6654.88
Cash ratio
2.230.001.371.322.735.197.003.113.100.152.195.19
Days of Sales Outstanding
N/A468.90N/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Days of Inventory outstanding
N/AN/A-10.83K-4.12K-1.50KN/AN/AN/AN/AN/AN/A-1.50K
Operating Cycle
N/A468.90-10.83K-4.12K-1.50KN/AN/AN/AN/AN/AN/A-1.50K
Days of Payables Outstanding
57.640.0664.9061.8385.43N/AN/AN/AN/AN/A80.3K85.43
Cash Conversion Cycle
-57.64468.83-10.90K-4.18K-1.58KN/AN/AN/AN/AN/A-80.3KN/A
Debt Ratios
Debt Ratio
0.020.000.000.000.00N/A0.00N/A0.04N/AN/AN/A
Debt Equity Ratio
0.130.040.030.020.01N/A0.01N/A0.19N/AN/AN/A
Long-term Debt to Capitalization
0.110.040.030.020.01N/A0.01N/A0.16N/AN/AN/A
Total Debt to Capitalization
0.110.040.030.020.01N/A0.01N/A0.16N/AN/AN/A
Interest Coverage Ratio
N/AN/AN/AN/AN/AN/A0.36N/AN/AN/A439.5N/A
Cash Flow to Debt Ratio
1.843.633.837.119.01N/A1.66N/A0.54N/AN/AN/A
Company Equity Multiplier
5.484.934.484.053.843.433.233.113.933.503.303.43
Cash Flow Ratios
Operating Cash Flow / Sales Ratio
0.210.150.150.170.220.140.040.010.130.050.100.14
Free Cash Flow / Operating Cash Flow Ratio
0.940.900.950.940.940.900.830.660.970.950.950.94
Cash Flow Coverage Ratio
1.843.633.837.119.01N/A1.66N/A0.54N/AN/AN/A
Short Term Coverage Ratio
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Dividend Payout Ratio
7.48%8.15%10.77%19.46%18.89%18.39%25.70%24.30%186.57%25.14%22.07%18.89%