Employers (EIG) Financials

$48.43 +0.01 (+0.01%)

Closing price 04/17/2025 03:59 PM Eastern

Extended Trading

$48.47 +0.04 (+0.09%)

As of 04/17/2025 04:20 PM Eastern

Annual Income Statements for Employers

This table shows Employers' income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Net Income / (Loss) Attributable to Common Shareholders	101	94	107	101	141	157	120	119	48	118	119
Consolidated Net Income / (Loss)	101	94	107	101	141	157	120	119	48	118	119
Net Income / (Loss) Continuing Operations	101	94	107	101	141	157	120	119	48	118	119
Total Pre-Tax Income	107	99	141	144	170	194	148	147	56	148	147
Total Operating Income	110	102	142	145	171	194	148	148	56	148	147
Total Gross Profit	239	237	278	293	330	382	330	312	714	851	323
Total Revenue	774	752	780	801	800	836	711	703	714	851	881
Operating Revenue	774	752	780	801	800	836	711	703	714	851	881
Total Cost of Revenue	535	515	501	509	471	454	381	391	0.00	0.00	557
Operating Cost of Revenue	535	515	501	509	471	454	381	391	-	-	557
Total Operating Expenses	129	135	136	147	159	188	182	164	658	703	177
Selling, General & Admin Expense	129	135	136	140	159	188	181	164	0.00	11	177
Other Operating Expenses / (Income)	-	-	-	7.50	-	-	0.80	-	658	692	0.00
Total Other Income / (Expense), net	-3.00	-2.70	-1.60	-1.40	-1.50	-0.60	-0.40	-0.50	0.00	0.00	0.00
Income Tax Expense	5.90	5.00	34	43	28	37	28	28	7.40	30	28
Basic Earnings per Share	$3.19	$2.94	$3.29	$3.11	$4.30	$4.89	$4.01	$4.22	$1.76	$4.48	$4.73
Weighted Average Basic Shares Outstanding	31.49M	32.22M	32.15M	32.71M	32.83M	31.46M	28.41M	27.73M	27.14M	25.30M	24.36M
Diluted Earnings per Share	$3.14	$2.90	$3.24	$3.06	$4.24	$4.83	$3.97	$4.17	$1.75	$4.45	$4.71
Weighted Average Diluted Shares Outstanding	31.49M	32.22M	32.15M	32.71M	32.83M	31.46M	28.41M	27.73M	27.14M	25.30M	24.36M
Weighted Average Basic & Diluted Shares Outstanding	31.49M	32.22M	32.15M	32.71M	32.83M	31.46M	28.41M	27.73M	27.14M	25.30M	24.36M
Cash Dividends to Common per Share	$0.24	$0.24	$0.36	$0.60	$0.80	$0.88	$0.00	$1.00	$3.28	$1.10	$1.18

This table shows Employers' income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric	Q3 2022	Q4 2022	Q1 2023	Q2 2023	Q3 2023	Q4 2023	Q1 2024	Q3 2024
Net Income / (Loss) Attributable to Common Shareholders	19	47	24	35	14	46	32	30
Consolidated Net Income / (Loss)	19	47	24	35	14	46	32	30
Net Income / (Loss) Continuing Operations	19	47	24	35	14	46	32	30
Total Pre-Tax Income	24	56	29	44	17	58	40	37
Total Operating Income	25	54	31	46	18	53	40	37
Total Gross Profit	67	592	76	101	62	612	81	80
Total Revenue	204	222	207	215	204	226	217	224
Operating Revenue	204	222	207	215	204	226	217	224
Total Cost of Revenue	138	-370	131	114	142	-387	136	144
Operating Cost of Revenue	138	-	131	114	142	-	136	144
Total Operating Expenses	42	537	44	55	44	559	41	43
Selling, General & Admin Expense	42	-121	44	46	44	-123	41	43
Other Operating Expenses / (Income)	-	-	0.00	9.40	0.00	682	0.00	0.00
Total Other Income / (Expense), net	-1.10	1.50	-2.30	-1.90	-1.00	5.20	0.00	0.00
Interest Expense	1.10	-	2.30	1.90	1.00	-	0.00	0.00
Income Tax Expense	4.70	8.70	5.40	8.90	3.40	13	8.30	6.40
Basic Earnings per Share	$0.70	$1.70	$0.87	$1.31	$0.54	$1.76	$1.25	$1.22
Weighted Average Basic Shares Outstanding	27.20M	27.14M	26.88M	26.06M	25.72M	25.30M	24.84M	24.72M
Diluted Earnings per Share	$0.70	$1.69	$0.86	$1.30	$0.54	$1.75	$1.25	$1.21
Weighted Average Diluted Shares Outstanding	27.20M	27.14M	26.88M	26.06M	25.72M	25.30M	24.84M	24.72M
Weighted Average Basic & Diluted Shares Outstanding	27.20M	27.14M	26.88M	26.06M	25.72M	25.30M	24.84M	24.72M
Cash Dividends to Common per Share	$0.26	$1.51	$0.26	$0.28	$0.28	$0.28	$0.30	$0.30

This table details how cash moves in and out of Employers' business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Net Change in Cash & Equivalents	69	-47	12	3.50	28	53	5.40	-85	14	137	-158
Net Cash From Operating Activities	172	116	123	142	180	123	33	11	100	49	76
Net Cash From Continuing Operating Activities	94	116	123	142	180	123	33	11	100	65	76
Net Income / (Loss) Continuing Operations	101	94	107	101	141	157	120	119	48	118	119
Consolidated Net Income / (Loss)	101	94	107	101	141	157	120	119	48	118	119
Depreciation Expense	7.00	8.30	8.50	8.20	6.30	9.00	8.20	7.40	5.30	4.80	3.60
Amortization Expense	11	13	15	14	8.40	14	19	23	19	19	12
Non-Cash Adjustments To Reconcile Net Income	49	48	40	38	57	27	16	-39	55	-14	29
Changes in Operating Assets and Liabilities, net	-73	-48	-47	-19	-33	-85	-129	-100	-28	-64	-87
Net Cash From Investing Activities	-87	-101	-88	-113	-120	49	84	-1.70	-146	377	-160
Net Cash From Continuing Investing Activities	-87	-101	-88	-113	-120	49	84	-1.70	-146	362	-160
Purchase of Property, Plant & Equipment	-11	-12	-5.00	-8.20	-11	-12	-5.50	-3.60	-2.60	-2.20	-4.90
Acquisitions	-	-	-	0.00	0.00	-16	0.00	0.00	0.00	0.00	0.00
Purchase of Investments	-408	-562	-526	-632	-753	-653	-973	-743	-893	-513	-830
Sale and/or Maturity of Investments	336	464	443	527	644	730	1,063	744	749	878	676
Net Cash From Financing Activities	-16	-62	-24	-26	-33	-119	-112	-94	60	-290	-75
Net Cash From Continuing Financing Activities	-16	-62	-24	-26	-33	-119	-112	-94	60	-289	-75
Repayment of Debt	-11	-0.50	0.00	-0.20	-0.20	-20	-15	-20	0.00	-183	0.00
Repurchase of Common Equity	0.00	0.00	-21	0.00	-4.20	-68	-99	-43	-30	-76	-43
Payment of Dividends	-7.60	-7.70	-12	-20	-27	-28	-31	-29	-90	-30	-30
Issuance of Debt	-	-	-	-	-	0.00	0.00	27	10	0.00	0.00
Other Financing Activities, net	2.80	-54	9.00	-6.10	-1.80	-2.70	33	-30	171	-0.20	-1.90
Cash Interest Paid	-	-	-	-	-	-	-	0.30	2.60	5.80	0.10
Cash Income Taxes Paid	-	-	-	-	-	-	-	29	16	32	32

This table details how cash moves in and out of Employers' business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric	Q3 2022	Q4 2022	Q1 2023	Q2 2023	Q3 2023	Q4 2023	Q1 2024	Q4 2024
Net Change in Cash & Equivalents	18	-59	-2.50	-21	43	118	-112	-75
Net Cash From Operating Activities	30	32	4.30	-7.80	25	28	0.60	13
Net Cash From Continuing Operating Activities	30	32	4.30	-7.80	25	43	0.60	13
Net Income / (Loss) Continuing Operations	19	47	24	35	14	46	28	28
Consolidated Net Income / (Loss)	19	47	24	35	14	46	28	28
Depreciation Expense	1.20	1.20	1.10	1.60	1.00	1.10	1.00	0.90
Amortization Expense	5.10	4.70	5.10	5.10	4.80	4.10	2.50	2.70
Non-Cash Adjustments To Reconcile Net Income	-8.00	-13	-3.00	-9.10	8.40	-10	-7.00	12
Changes in Operating Assets and Liabilities, net	12	-8.00	-23	-40	-2.90	2.20	-24	-31
Net Cash From Investing Activities	-53	-48	13	107	106	152	-98	-70
Net Cash From Continuing Investing Activities	-53	-48	13	107	106	137	-98	-70
Purchase of Property, Plant & Equipment	-0.70	-0.40	-0.50	-0.10	-0.90	-0.70	-1.30	-1.70
Purchase of Investments	-225	-209	-142	-87	-171	-113	-192	-302
Sale and/or Maturity of Investments	173	161	155	194	278	251	95	233
Net Cash From Financing Activities	42	-43	-20	-119	-88	-62	-15	-18
Net Cash From Continuing Financing Activities	42	-43	-20	-119	-88	-61	-15	-18
Repurchase of Common Equity	-7.40	-1.70	-11	-35	-15	-15	-5.60	-11
Payment of Dividends	-7.20	-41	-7.60	-7.60	-7.30	-7.20	-7.80	-7.50

This table presents Employers' assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Total Assets	3,770	3,756	3,773	3,840	3,919	4,004	3,923	3,783	3,717	3,550	3,541
Total Current Assets	2,583	2,567	2,640	2,772	150	2,658	2,682	2,443	2,414	2,212	2,182
Cash & Equivalents	104	57	67	73	101	155	160	75	89	226	68
Restricted Cash	11	2.50	-	1.00	-	0.30	0.20	0.20	0.20	0.20	0.20
Short-Term Investments	2,469	2,508	2,573	2,697	25	2,502	2,521	2,368	2,324	1,986	2,113
Plant, Property, & Equipment, net	21	25	22	14	18	22	19	15	12	6.50	7.80
Total Noncurrent Assets	1,165	1,164	1,111	1,055	3,775	1,325	1,222	1,326	1,291	1,332	1,352
Long-Term Investments	-	-	-	0.00	2,703	293	251	383	263	309	366
Goodwill	36	36	36	36	36	36	36	36	36	36	36
Intangible Assets	9.00	8.50	8.20	7.90	7.70	14	14	14	14	14	14
Noncurrent Deferred & Refundable Income Taxes	50	68	59	29	27	-	-	0.00	63	43	38
Other Noncurrent Operating Assets	775	1,051	1,007	982	1,001	982	921	893	915	930	897
Total Liabilities & Shareholders' Equity	3,770	3,756	3,773	3,840	3,919	4,004	3,923	3,783	3,717	3,550	3,541
Total Liabilities	3,083	2,995	2,933	2,892	2,901	2,838	2,710	2,570	2,773	2,537	2,473
Total Current Liabilities	2,390	2,372	2,325	24	2,245	30	23	24	29	26	21
Accounts Payable	20	24	24	24	37	30	23	24	29	26	21
Total Noncurrent Liabilities	693	623	608	2,869	656	2,809	2,687	2,546	2,744	2,493	2,438
Long-Term Debt	92	32	32	20	20	-	20	0.00	183	0.00	0.00
Capital Lease Obligations	-	-	-	-	-	-	20	17	14	5.90	4.20
Noncurrent Deferred & Payable Income Tax Liabilities	-	-	-	-	-	2.60	16	7.70	0.00	0.00	0.00
Other Noncurrent Operating Liabilities	601	591	576	2,849	636	2,806	2,632	2,522	2,548	2,488	2,433
Commitments & Contingencies	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Equity & Noncontrolling Interests	687	761	841	948	1,018	1,166	1,213	1,213	944	1,014	1,069
Total Preferred & Common Equity	687	761	841	948	1,018	1,166	1,213	1,213	944	1,014	1,069
Preferred Stock	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Common Equity	687	761	841	948	1,018	1,166	1,213	1,213	944	1,014	1,069
Common Stock	347	358	373	382	389	397	405	411	415	420	425
Retained Earnings	595	682	777	842	1,031	1,159	1,248	1,339	1,296	1,384	1,473
Treasury Stock	-363	-363	-384	-384	-388	-455	-555	-597	-628	-705	-747
Accumulated Other Comprehensive Income / (Loss)	107	84	75	107	-14	65	115	61	-139	-86	-83

This table presents Employers' assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric	Q3 2022	Q1 2023	Q2 2023	Q3 2023	Q1 2024	Q3 2024
Total Assets	3,709	3,744	3,616	3,527	3,550	3,617
Total Current Assets	2,403	2,414	2,263	2,172	2,153	2,256
Cash & Equivalents	148	87	66	109	96	143
Restricted Cash	0.20	0.20	0.20	0.20	0.20	0.20
Short-Term Investments	2,255	2,328	2,197	2,063	2,057	2,112
Plant, Property, & Equipment, net	13	11	7.20	7.00	6.70	7.00
Total Noncurrent Assets	1,293	1,318	1,345	1,349	1,391	1,355
Long-Term Investments	247	283	294	290	336	362
Goodwill	36	36	36	36	36	36
Intangible Assets	14	14	14	14	14	14
Noncurrent Deferred & Refundable Income Taxes	71	54	56	64	42	26
Other Noncurrent Operating Assets	925	932	946	945	963	917
Total Liabilities & Shareholders' Equity	3,709	3,744	3,616	3,527	3,550	3,617
Total Liabilities	2,790	2,770	2,664	2,608	2,527	2,524
Total Current Liabilities	75	73	77	85	84	87
Accounts Payable	21	20	20	22	19	22
Other Taxes Payable	53	53	57	63	65	65
Total Noncurrent Liabilities	2,715	2,697	2,587	2,523	2,443	2,437
Long-Term Debt	183	183	106	40	0.00	0.00
Capital Lease Obligations	-	-	5.40	5.10	5.10	4.70
Noncurrent Deferred & Payable Income Tax Liabilities	0.00	0.00	0.00	0.00	0.00	0.00
Other Noncurrent Operating Liabilities	2,532	2,514	2,476	2,477	2,438	2,432
Commitments & Contingencies	0.00	0.00	0.00	0.00	0.00	0.00
Total Equity & Noncontrolling Interests	919	974	952	919	1,023	1,093
Total Preferred & Common Equity	919	974	952	919	1,023	1,093
Preferred Stock	0.00	0.00	0.00	0.00	0.00	0.00
Total Common Equity	919	974	952	919	1,023	1,093
Common Stock	414	416	418	419	422	423
Retained Earnings	1,290	1,312	1,339	1,346	1,429	1,452
Treasury Stock	-626	-639	-675	-689	-729	-737
Accumulated Other Comprehensive Income / (Loss)	-159	-115	-131	-157	-99	-45

This table displays calculated financial ratios and metrics derived from Employers' official financial filings.

Metric	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Growth Metrics	-	-	-	-	-	-	-	-	-	-	-
Revenue Growth	6.91%	-2.77%	3.68%	2.77%	-0.12%	4.44%	-14.89%	-1.17%	1.48%	19.26%	3.50%
EBITDA Growth	78.15%	-3.14%	34.25%	1.51%	10.60%	17.07%	-19.46%	1.43%	-7.38%	4.74%	-5.69%
EBIT Growth	94.67%	-6.84%	39.37%	2.18%	17.61%	13.68%	-23.82%	-0.41%	-21.97%	28.93%	-1.08%
NOPAT Growth	53.06%	-6.35%	11.29%	-5.31%	39.50%	10.55%	-23.77%	-0.35%	-59.57%	144.01%	0.49%
Net Income Growth	57.84%	-6.26%	13.03%	-5.15%	39.62%	11.18%	-23.74%	-0.42%	-59.43%	144.01%	0.42%
EPS Growth	57.00%	-7.64%	11.72%	-5.56%	38.56%	13.92%	-17.81%	5.04%	-58.03%	154.29%	5.84%
Operating Cash Flow Growth	3.24%	-32.29%	5.50%	15.88%	26.63%	-32.02%	-73.06%	-67.27%	824.07%	-50.50%	54.66%
Free Cash Flow Firm Growth	23.59%	-61.42%	52.65%	36.09%	-23.09%	63.69%	-90.62%	116.89%	-130.50%	705.56%	46.61%
Invested Capital Growth	-3.98%	1.68%	0.36%	-2.04%	2.01%	-0.93%	5.82%	5.02%	3.71%	3.43%	1.54%
Revenue Q/Q Growth	0.04%	-1.07%	1.13%	0.98%	-2.63%	3.84%	-2.63%	1.25%	3.18%	0.46%	0.00%
EBITDA Q/Q Growth	25.56%	-8.40%	21.08%	2.63%	-11.57%	6.31%	30.57%	-6.72%	-13.78%	-3.15%	0.00%
EBIT Q/Q Growth	30.31%	-10.83%	25.82%	3.19%	-11.58%	5.71%	36.25%	-7.70%	-17.67%	-3.20%	0.00%
NOPAT Q/Q Growth	17.63%	-1.84%	7.11%	-4.08%	-3.73%	3.86%	37.13%	-7.31%	-57.77%	-5.97%	0.00%
Net Income Q/Q Growth	17.45%	-2.48%	8.99%	-3.98%	-3.88%	4.11%	36.76%	-7.16%	-13.57%	-1.34%	0.00%
EPS Q/Q Growth	7.90%	-3.01%	8.72%	-4.08%	-4.29%	5.23%	37.85%	-3.92%	-11.62%	1.37%	0.00%
Operating Cash Flow Q/Q Growth	-3.89%	-10.12%	2.85%	9.80%	5.01%	-23.29%	-42.61%	145.19%	13.93%	-8.69%	-15.95%
Free Cash Flow Firm Q/Q Growth	-5.47%	-31.96%	-4.54%	37.28%	-30.29%	38.36%	-79.36%	814.77%	-200.34%	104.44%	0.00%
Invested Capital Q/Q Growth	-0.25%	1.38%	2.04%	-0.28%	1.98%	-0.38%	5.01%	2.37%	150.37%	0.85%	0.00%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-	-
Gross Margin	30.86%	31.55%	35.70%	36.54%	41.17%	45.69%	46.42%	44.35%	131.76%	100.00%	36.71%
EBITDA Margin	16.44%	16.38%	21.21%	20.95%	23.20%	26.01%	24.61%	25.26%	23.06%	20.25%	18.45%
Operating Margin	14.17%	13.58%	18.25%	18.14%	21.36%	23.26%	20.82%	20.98%	16.13%	17.44%	16.67%
EBIT Margin	14.17%	13.58%	18.25%	18.14%	21.36%	23.26%	20.82%	20.98%	16.13%	17.44%	16.67%
Profit (Net Income) Margin	13.02%	12.55%	13.68%	12.63%	17.65%	18.79%	16.84%	16.97%	13.57%	13.88%	13.47%
Tax Burden Percent	94.47%	94.97%	75.84%	70.28%	83.36%	81.06%	81.11%	81.16%	173.48%	79.58%	80.85%
Interest Burden Percent	97.26%	97.36%	98.88%	99.04%	99.12%	99.69%	99.73%	99.66%	194.10%	100.00%	99.93%
Effective Tax Rate	5.53%	5.03%	24.16%	29.72%	16.64%	18.94%	18.89%	18.84%	26.52%	20.42%	19.15%
Return on Invested Capital (ROIC)	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
ROIC Less NNEP Spread (ROIC-NNEP)	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Return on Net Nonoperating Assets (RNNOA)	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Return on Equity (ROE)	16.04%	13.04%	13.33%	11.32%	14.38%	14.39%	10.07%	9.84%	4.49%	12.06%	11.39%
Cash Return on Invested Capital (CROIC)	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Operating Return on Assets (OROA)	2.96%	2.71%	3.78%	3.82%	4.41%	4.91%	3.74%	3.83%	0.00%	4.08%	4.14%
Return on Assets (ROA)	2.72%	2.51%	2.83%	2.66%	3.64%	3.97%	3.02%	3.10%	0.00%	3.25%	3.34%
Return on Common Equity (ROCE)	16.04%	13.04%	13.33%	11.32%	14.38%	14.39%	10.07%	9.84%	0.00%	12.06%	11.39%
Return on Equity Simple (ROE_SIMPLE)	14.66%	12.41%	12.69%	10.68%	13.88%	13.48%	9.88%	9.83%	5.13%	11.65%	11.10%
Net Operating Profit after Tax (NOPAT)	104	97	108	102	143	158	120	120	48	118	119
NOPAT Margin	13.39%	12.89%	13.84%	12.75%	17.81%	18.85%	16.89%	17.03%	13.99%	13.88%	13.48%
Net Nonoperating Expense Percent (NNEP)	-0.12%	-0.10%	-0.05%	-0.04%	-0.05%	-0.02%	-0.01%	-0.01%	0.00%	0.00%	0.00%
Return On Investment Capital (ROIC_SIMPLE)	-	-	-	-	-	-	-	-	4.24%	11.58%	11.06%
Cost of Revenue to Revenue	69.14%	68.45%	64.30%	63.46%	58.83%	54.31%	53.58%	55.65%	68.24%	0.00%	63.29%
SG&A Expenses to Revenue	16.69%	17.98%	17.45%	17.46%	19.80%	22.43%	25.49%	23.37%	23.45%	1.29%	20.04%
R&D to Revenue	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Operating Expenses to Revenue	16.69%	17.98%	17.45%	18.39%	19.80%	22.43%	25.60%	23.37%	92.18%	82.56%	20.04%
Earnings before Interest and Taxes (EBIT)	110	102	142	145	171	194	148	148	115	148	147
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	127	123	165	168	186	217	175	178	165	172	163
Valuation Ratios	-	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	0.83	0.90	1.20	1.22	1.11	0.95	0.66	0.84	1.18	0.97	1.18
Price to Tangible Book Value (P/TBV)	0.89	0.96	1.26	1.28	1.16	0.99	0.69	0.88	1.24	1.02	1.24
Price to Revenue (P/Rev)	0.74	0.91	1.29	1.44	1.41	1.33	1.13	1.45	3.15	1.16	1.44
Price to Earnings (P/E)	5.69	7.25	9.42	11.42	7.97	7.06	6.71	8.57	46.37	8.37	10.68
Dividend Yield	1.65%	1.12%	1.15%	1.68%	2.33%	2.52%	3.61%	2.74%	15.99%	6.12%	2.30%
Earnings Yield	17.57%	13.79%	10.61%	8.76%	12.55%	14.16%	14.90%	11.67%	8.68%	11.95%	9.37%
Enterprise Value to Invested Capital (EV/IC)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Enterprise Value to Revenue (EV/Rev)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Enterprise Value to EBITDA (EV/EBITDA)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Enterprise Value to EBIT (EV/EBIT)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Enterprise Value to NOPAT (EV/NOPAT)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Enterprise Value to Operating Cash Flow (EV/OCF)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Enterprise Value to Free Cash Flow (EV/FCFF)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-	-
Debt to Equity	0.13	0.04	0.04	0.02	0.02	0.00	0.03	0.01	0.00	0.01	0.00
Long-Term Debt to Equity	0.13	0.04	0.04	0.02	0.02	0.00	0.03	0.01	0.00	0.01	0.00
Financial Leverage	-3.82	-3.47	-3.21	-3.00	-2.82	-2.63	-2.46	-2.35	0.00	-2.54	-2.41
Leverage Ratio	5.90	5.20	4.70	4.26	3.95	3.63	3.33	3.18	0.00	3.71	3.41
Compound Leverage Factor	5.74	5.06	4.65	4.22	3.91	3.62	3.32	3.17	0.00	3.71	3.40
Debt to Total Capital	11.81%	4.04%	3.67%	2.07%	1.93%	0.00%	3.19%	1.35%	0.00%	0.58%	0.39%
Short-Term Debt to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Long-Term Debt to Total Capital	11.81%	4.04%	3.67%	2.07%	1.93%	0.00%	3.19%	1.35%	0.00%	0.58%	0.39%
Preferred Equity to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Noncontrolling Interests to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Common Equity to Total Capital	88.19%	95.96%	96.33%	97.93%	98.07%	100.00%	96.81%	98.65%	0.00%	99.42%	99.61%
Debt to EBITDA	0.72	0.26	0.19	0.12	0.11	0.00	0.23	0.09	2.44	0.03	0.03
Net Debt to EBITDA	-19.59	-20.58	-15.77	-16.39	-15.13	0.00	-16.52	-15.82	-30.82	-14.60	-15.65
Long-Term Debt to EBITDA	0.72	0.26	0.19	0.12	0.11	0.00	0.23	0.09	4.77	0.03	0.03
Debt to NOPAT	0.89	0.33	0.30	0.20	0.14	0.00	0.33	0.14	7.86	0.05	0.04
Net Debt to NOPAT	-24.06	-26.14	-24.17	-26.93	-19.71	0.00	-24.09	-23.47	-51.26	-21.30	-21.43
Long-Term Debt to NOPAT	0.89	0.33	0.30	0.20	0.14	0.00	0.33	0.14	7.86	0.05	0.04
Altman Z-Score	0.70	0.74	0.93	1.74	0.31	1.80	1.74	1.82	0.00	1.90	2.01
Noncontrolling Interest Sharing Ratio	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Liquidity Ratios	-	-	-	-	-	-	-	-	-	-	-
Current Ratio	1.08	1.08	1.14	116.95	0.07	89.18	117.10	101.37	0.00	84.76	102.91
Quick Ratio	1.08	1.08	1.14	116.90	0.06	89.17	117.10	101.36	0.00	84.75	102.90
Cash Flow Metrics	-	-	-	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	173	67	102	138	106	174	16	35	-11	65	96
Operating Cash Flow to CapEx	1,534.82%	1,012.17%	2,456.00%	1,735.37%	1,716.19%	1,012.40%	600.00%	300.00%	7,676.92%	2,245.45%	1,559.18%
Free Cash Flow to Firm to Interest Expense	57.52	24.65	63.51	98.77	70.90	290.14	40.81	70.81	0.00	0.00	0.00
Operating Cash Flow to Interest Expense	57.30	43.11	76.75	101.64	120.13	204.17	82.50	21.60	28.51	0.00	0.00
Operating Cash Flow Less CapEx to Interest Expense	53.57	38.85	73.63	95.79	113.13	184.00	68.75	14.40	27.77	0.00	0.00
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.21	0.20	0.21	0.21	0.21	0.21	0.18	0.18	0.00	0.23	0.25
Accounts Receivable Turnover	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Inventory Turnover	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	41.13	32.77	33.11	44.40	49.87	41.69	34.70	41.60	53.45	91.99	123.17
Accounts Payable Turnover	27.35	23.14	20.76	21.24	15.49	13.57	14.47	16.65	0.00	0.00	23.57
Days Sales Outstanding (DSO)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Days Inventory Outstanding (DIO)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Days Payable Outstanding (DPO)	13.35	15.78	17.58	17.19	23.56	26.89	25.23	21.92	19.79	0.00	15.49
Cash Conversion Cycle (CCC)	-13.35	-15.78	-17.58	-17.19	-23.56	-26.89	-25.23	-21.92	0.00	0.00	-15.49
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-	-
Invested Capital	-1,805	-1,774	-1,768	-1,804	-1,768	-1,784	-1,680	-1,596	-1,537	-1,484	-1,461
Invested Capital Turnover	-0.44	-0.42	-0.44	-0.45	-0.45	-0.47	-0.41	-0.43	0.00	-0.56	-0.60
Increase / (Decrease) in Invested Capital	-69	30	6.30	-36	36	-17	104	84	59	53	23
Enterprise Value (EV)	-1,918	-1,850	-1,603	-1,596	-1,683	-1,840	-2,089	-1,787	-237	-1,527	-1,278
Market Capitalization	573	684	1,006	1,156	1,126	1,110	804	1,022	1,113	988	1,266
Book Value per Share	$21.81	$23.72	$26.20	$29.22	$31.04	$36.64	$41.79	$43.38	$34.72	$39.42	$43.24
Tangible Book Value per Share	$20.38	$22.32	$24.81	$27.86	$29.70	$35.08	$40.07	$41.60	$32.89	$37.48	$41.22
Total Capital	779	793	873	968	1,038	1,166	1,253	1,230	1,140	1,020	1,073
Total Debt	92	32	32	20	20	0.00	40	17	392	5.90	4.20
Total Long-Term Debt	92	32	32	20	20	0.00	40	17	392	5.90	4.20
Net Debt	-2,491	-2,535	-2,608	-2,752	-2,809	-2,950	-2,893	-2,809	-2,481	-2,515	-2,544
Capital Expenditures (CapEx)	11	12	5.00	8.20	11	12	5.50	3.60	5.20	2.20	4.90
Debt-free, Cash-free Net Working Capital (DFCFNWC)	-2,390	-2,372	-2,325	-24	-2,222	-30	-23	-24	-29	-26	-21
Debt-free Net Working Capital (DFNWC)	193	195	315	2,748	-2,095	2,628	2,659	2,419	4,770	2,186	2,161
Net Working Capital (NWC)	193	195	315	2,748	-2,095	2,628	2,659	2,419	4,770	2,186	2,161
Net Nonoperating Expense (NNE)	2.83	2.56	1.21	0.98	1.25	0.49	0.32	0.41	0.00	0.00	0.08
Net Nonoperating Obligations (NNO)	-2,491	-2,535	-2,608	-2,752	-2,786	-2,950	-2,893	-2,809	-2,481	-2,498	-2,530
Total Depreciation and Amortization (D&A)	18	21	23	23	15	23	27	30	25	24	16
Debt-free, Cash-free Net Working Capital to Revenue	-309.00%	-315.33%	-298.18%	-2.96%	-277.59%	-3.57%	-3.22%	-3.43%	-4.02%	-3.07%	-2.41%
Debt-free Net Working Capital to Revenue	24.98%	25.97%	40.42%	342.89%	-261.79%	314.36%	373.74%	344.03%	668.56%	256.93%	245.32%
Net Working Capital to Revenue	24.98%	25.97%	40.42%	342.89%	-261.79%	314.36%	373.74%	344.03%	668.56%	256.93%	245.32%
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$3.19	$2.94	$3.29	$3.11	$4.30	$4.89	$4.01	$4.22	$3.52	$4.48	$4.73
Adjusted Weighted Average Basic Shares Outstanding	31.49M	32.22M	32.15M	32.71M	32.83M	31.46M	28.41M	27.73M	27.14M	25.30M	24.36M
Adjusted Diluted Earnings per Share	$3.14	$2.90	$3.24	$3.06	$4.24	$4.83	$3.97	$4.17	$1.75	$4.45	$4.71
Adjusted Weighted Average Diluted Shares Outstanding	31.49M	32.22M	32.15M	32.71M	32.83M	31.46M	28.41M	27.73M	27.14M	25.30M	24.36M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	31.49M	32.22M	32.15M	32.71M	32.83M	31.46M	28.41M	27.73M	27.14M	25.30M	24.36M
Normalized Net Operating Profit after Tax (NOPAT)	104	97	108	102	143	158	120	120	100	118	119
Normalized NOPAT Margin	13.39%	12.89%	13.84%	12.75%	17.81%	18.85%	16.89%	17.03%	13.99%	13.88%	13.48%
Pre Tax Income Margin	13.78%	13.22%	18.04%	17.97%	21.18%	23.18%	20.76%	20.91%	15.64%	17.44%	16.66%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	36.53	37.81	88.94	103.86	114.00	324.00	370.25	295.00	16.94	0.00	0.00
NOPAT to Interest Expense	34.51	35.91	67.45	72.99	95.03	262.64	300.31	239.41	14.70	0.00	0.00
EBIT Less CapEx to Interest Expense	32.80	33.56	85.81	98.00	107.00	303.83	356.50	287.80	16.20	0.00	0.00
NOPAT Less CapEx to Interest Expense	30.78	31.65	64.32	67.13	88.03	242.48	286.56	232.21	13.95	0.00	0.00
Payout Ratios	-	-	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	7.55%	8.16%	10.78%	19.47%	18.90%	18.01%	25.46%	24.31%	373.14%	25.15%	25.55%
Augmented Payout Ratio	7.55%	8.16%	30.55%	19.47%	21.87%	60.98%	108.43%	60.02%	498.76%	89.59%	61.47%

This table displays calculated financial ratios and metrics derived from Employers' official financial filings.

Metric	Q3 2022	Q4 2022	Q1 2023	Q2 2023	Q3 2023	Q4 2023	Q1 2024	Q3 2024
Growth Metrics	-	-	-	-	-	-	-	-
Revenue Growth	21.45%	11.01%	35.86%	59.05%	-0.44%	1.76%	5.08%	10.07%
EBITDA Growth	-44.29%	-19.81%	1,158.67%	794.04%	-22.44%	-3.48%	16.00%	51.65%
EBIT Growth	-33.42%	-20.58%	12,037.50%	316.59%	-26.10%	-2.57%	-57.40%	99.46%
NOPAT Growth	32.51%	-16.30%	6,464.70%	593.08%	-25.91%	-9.60%	24.45%	104.67%
Net Income Growth	27.33%	-13.87%	3,378.26%	323.72%	-26.70%	-3.39%	34.32%	116.43%
EPS Growth	32.08%	-11.98%	2,350.00%	332.14%	-22.86%	3.55%	45.35%	124.07%
Operating Cash Flow Growth	92.21%	60.70%	-372.02%	-136.97%	-14.53%	-14.55%	-86.05%	0.00%
Free Cash Flow Firm Growth	44.20%	54.91%	-509.08%	125.59%	44.60%	15.77%	98.49%	242.95%
Invested Capital Growth	5.28%	3.71%	206.90%	3.00%	3.33%	3.43%	5.24%	-1.49%
Revenue Q/Q Growth	51.07%	8.51%	-6.90%	8.43%	-5.44%	10.91%	-3.85%	0.00%
EBITDA Q/Q Growth	306.62%	93.27%	-41.22%	1,138.05%	-76.91%	140.50%	-32.03%	0.00%
EBIT Q/Q Growth	218.01%	118.47%	62.18%	260.38%	-59.74%	188.04%	-31.97%	0.00%
NOPAT Q/Q Growth	235.29%	129.87%	-47.90%	2,504.62%	-79.67%	180.49%	-31.19%	0.00%
Net Income Q/Q Growth	222.44%	147.12%	-50.00%	95.76%	-59.89%	225.71%	-30.48%	0.00%
EPS Q/Q Growth	225.00%	141.43%	-49.11%	102.33%	-58.46%	224.07%	-28.57%	0.00%
Operating Cash Flow Q/Q Growth	40.28%	9.12%	-86.69%	-562.79%	424.36%	9.09%	-97.83%	0.00%
Free Cash Flow Firm Q/Q Growth	36.18%	80.03%	-31,436.92%	201.64%	-238.18%	69.63%	-572.51%	0.00%
Invested Capital Q/Q Growth	-0.55%	0.75%	-0.28%	6.14%	-0.20%	0.85%	2.71%	0.00%
Profitability Metrics	-	-	-	-	-	-	-	-
Gross Margin	32.68%	266.68%	219.95%	93.96%	30.42%	271.25%	37.51%	35.67%
EBITDA Margin	15.26%	27.19%	108.96%	48.70%	11.89%	25.79%	20.05%	16.38%
Operating Margin	12.18%	24.53%	45.47%	42.47%	9.04%	23.48%	18.43%	16.38%
EBIT Margin	12.18%	24.53%	60.63%	42.47%	9.04%	23.48%	18.43%	16.38%
Profit (Net Income) Margin	9.34%	21.28%	34.29%	32.44%	6.88%	20.20%	14.61%	13.53%
Tax Burden Percent	80.25%	84.44%	325.52%	79.68%	80.46%	78.35%	79.25%	82.56%
Interest Burden Percent	95.58%	102.76%	2,444.00%	95.84%	94.57%	109.81%	100.00%	100.00%
Effective Tax Rate	19.75%	15.56%	93.10%	40.64%	19.54%	21.65%	20.75%	17.44%
Return on Invested Capital (ROIC)	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
ROIC Less NNEP Spread (ROIC-NNEP)	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Return on Net Nonoperating Assets (RNNOA)	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Return on Equity (ROE)	5.31%	4.49%	21.40%	12.94%	13.03%	12.06%	12.64%	0.00%
Cash Return on Invested Capital (CROIC)	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Operating Return on Assets (OROA)	2.24%	4.67%	3.11%	4.93%	2.12%	5.50%	4.35%	0.00%
Return on Assets (ROA)	1.72%	4.05%	2.34%	3.77%	1.61%	4.73%	3.45%	0.00%
Return on Common Equity (ROCE)	5.31%	4.49%	14.27%	12.94%	13.03%	12.06%	12.64%	0.00%
Return on Equity Simple (ROE_SIMPLE)	6.09%	0.00%	7.63%	13.11%	13.03%	0.00%	12.34%	0.00%
Net Operating Profit after Tax (NOPAT)	20	46	25	73	15	42	32	30
NOPAT Margin	9.78%	20.71%	12.34%	33.84%	7.28%	18.40%	14.61%	13.53%
Net Nonoperating Expense Percent (NNEP)	-0.02%	0.05%	0.74%	-0.06%	-0.03%	0.16%	0.00%	0.00%
Cost of Revenue to Revenue	67.32%	-166.68%	317.87%	106.04%	69.58%	-171.25%	62.49%	64.33%
SG&A Expenses to Revenue	20.50%	-54.37%	107.51%	47.12%	21.38%	-54.45%	19.08%	19.29%
R&D to Revenue	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Operating Expenses to Revenue	20.50%	242.16%	129.01%	25.74%	21.38%	247.76%	19.08%	19.29%
Earnings before Interest and Taxes (EBIT)	25	54	94	46	18	53	40	37
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	31	60	38	105	24	58	44	37
Valuation Ratios	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	0.95	1.18	2.23	1.02	1.10	0.97	1.05	1.09
Price to Tangible Book Value (P/TBV)	1.00	1.24	3.53	1.08	1.17	1.02	1.10	1.14
Price to Revenue (P/Rev)	1.26	1.56	1.41	1.15	1.20	1.16	1.25	0.00
Price to Earnings (P/E)	15.51	22.99	14.61	7.79	8.47	8.37	8.50	0.00
Dividend Yield	6.35%	8.02%	16.34%	18.25%	5.99%	6.12%	2.69%	2.42%
Earnings Yield	6.45%	4.35%	6.84%	12.84%	11.81%	11.95%	11.76%	0.00%
Enterprise Value to Invested Capital (EV/IC)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Enterprise Value to Revenue (EV/Rev)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Enterprise Value to EBITDA (EV/EBITDA)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Enterprise Value to EBIT (EV/EBIT)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Enterprise Value to NOPAT (EV/NOPAT)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Enterprise Value to Operating Cash Flow (EV/OCF)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Enterprise Value to Free Cash Flow (EV/FCFF)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Leverage & Solvency	-	-	-	-	-	-	-	-
Debt to Equity	0.20	0.21	0.94	0.23	0.05	0.01	0.01	0.00
Long-Term Debt to Equity	0.20	0.21	0.37	0.23	0.05	0.01	0.01	0.00
Financial Leverage	-3.85	-2.45	-5.10	-5.14	-2.66	-2.54	-3.76	-2.50
Leverage Ratio	3.56	3.48	7.20	7.58	3.94	3.71	3.65	3.55
Compound Leverage Factor	3.40	3.57	172.57	7.27	3.72	4.08	3.65	3.55
Debt to Total Capital	16.57%	17.20%	47.34%	10.45%	4.72%	0.58%	0.50%	0.43%
Short-Term Debt to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Long-Term Debt to Total Capital	16.57%	17.20%	63.12%	10.45%	4.72%	0.58%	0.50%	0.43%
Preferred Equity to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Noncontrolling Interests to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Common Equity to Total Capital	83.43%	82.80%	336.88%	89.55%	95.28%	99.42%	99.50%	99.57%
Debt to EBITDA	0.96	1.19	0.78	0.60	0.26	0.03	0.03	0.00
Net Debt to EBITDA	-12.93	-15.08	-10.71	-13.23	-13.58	-14.60	-13.49	0.00
Long-Term Debt to EBITDA	0.96	1.19	0.78	0.60	0.26	0.03	0.03	0.00
Debt to NOPAT	1.59	4.05	2.31	0.85	0.36	0.05	0.04	0.00
Net Debt to NOPAT	-21.53	-51.26	-31.78	-18.70	-19.24	-21.30	-19.26	0.00
Long-Term Debt to NOPAT	1.59	4.05	2.31	0.85	0.36	0.05	0.04	0.00
Altman Z-Score	1.64	1.74	3.42	1.74	1.73	1.81	1.80	0.00
Noncontrolling Interest Sharing Ratio	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Liquidity Ratios	-	-	-	-	-	-	-	-
Current Ratio	32.13	84.10	66.06	59.17	25.52	84.76	25.66	25.81
Quick Ratio	32.12	84.10	165.13	59.16	25.51	84.75	25.66	25.81
Cash Flow Metrics	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	-66	-13	-3,252	27	-37	-11	-49	53
Operating Cash Flow to CapEx	4,228.57%	8,075.00%	2,580.00%	-7,800.00%	2,811.11%	3,942.86%	46.15%	0.00%
Free Cash Flow to Firm to Interest Expense	-60.38	0.00	-1,413.85	14.01	-36.80	0.00	0.00	0.00
Operating Cash Flow to Interest Expense	26.91	0.00	7.48	-8.21	25.30	0.00	0.00	0.00
Operating Cash Flow Less CapEx to Interest Expense	26.27	0.00	3.30	-4.16	24.40	0.00	0.00	0.00
Efficiency Ratios	-	-	-	-	-	-	-	-
Asset Turnover	0.18	0.19	0.20	0.23	0.23	0.23	0.24	0.00
Accounts Receivable Turnover	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Inventory Turnover	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	48.87	53.45	60.95	82.32	85.56	91.99	96.25	0.00
Accounts Payable Turnover	21.68	0.00	23.88	24.08	23.05	0.00	26.11	0.00
Days Sales Outstanding (DSO)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Days Inventory Outstanding (DIO)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Days Payable Outstanding (DPO)	16.84	0.00	15.29	15.16	15.83	0.00	13.98	0.00
Cash Conversion Cycle (CCC)	-16.84	0.00	-15.29	-15.16	-15.83	0.00	-13.98	0.00
Capital & Investment Metrics	-	-	-	-	-	-	-	-
Invested Capital	-1,549	-1,537	-1,541	-1,494	-1,497	-1,484	-1,461	-1,519
Invested Capital Turnover	-0.43	-0.46	-0.32	-0.56	-0.56	-0.56	-0.57	0.00
Increase / (Decrease) in Invested Capital	86	59	3,303	46	52	53	81	-22
Enterprise Value (EV)	-1,599	-1,369	-1,430	-1,474	-1,402	-1,527	-1,410	-1,421
Market Capitalization	869	1,113	1,085	972	1,014	988	1,073	1,191
Book Value per Share	$33.66	$34.72	$71.80	$70.82	$35.26	$39.42	$40.36	$44.02
Tangible Book Value per Share	$31.83	$32.89	$136.25	$67.11	$33.35	$37.48	$38.40	$42.02
Total Capital	1,102	1,140	1,157	2,126	965	1,020	1,028	1,098
Total Debt	183	196	365	222	46	5.90	5.10	4.70
Total Long-Term Debt	183	196	548	222	46	5.90	5.10	4.70
Net Debt	-2,468	-2,481	-5,031	-4,891	-2,416	-2,515	-2,483	-2,613
Capital Expenditures (CapEx)	0.70	0.40	0.50	0.20	0.90	0.70	1.30	0.00
Debt-free, Cash-free Net Working Capital (DFCFNWC)	-75	-29	-219	-153	-85	-26	-84	-87
Debt-free Net Working Capital (DFNWC)	2,328	2,385	2,341	4,373	2,086	2,186	2,069	2,168
Net Working Capital (NWC)	2,328	2,385	7,024	4,373	2,086	2,186	2,069	2,168
Net Nonoperating Expense (NNE)	0.88	-1.27	3.74	3.03	0.80	-4.07	0.00	0.00
Net Nonoperating Obligations (NNO)	-2,468	-2,481	-5,031	-4,891	-2,416	-2,498	-2,483	-2,613
Total Depreciation and Amortization (D&A)	6.30	5.90	19	13	5.80	5.20	3.50	0.00
Debt-free, Cash-free Net Working Capital to Revenue	-10.82%	-4.02%	-9.52%	-9.02%	-10.05%	-3.07%	-9.74%	0.00%
Debt-free Net Working Capital to Revenue	336.70%	334.28%	304.86%	257.88%	246.33%	256.93%	240.17%	0.00%
Net Working Capital to Revenue	336.70%	334.28%	304.86%	257.88%	246.33%	256.93%	240.17%	0.00%
Earnings Adjustments	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$0.70	$1.70	$0.87	$2.62	$0.54	$1.76	$1.25	$1.22
Adjusted Weighted Average Basic Shares Outstanding	27.20M	27.14M	26.88M	52.13M	25.72M	25.30M	24.84M	24.72M
Adjusted Diluted Earnings per Share	$0.70	$1.69	$0.86	$2.60	$0.54	$1.75	$1.25	$1.21
Adjusted Weighted Average Diluted Shares Outstanding	27.20M	27.14M	26.88M	52.13M	25.72M	25.30M	24.84M	24.72M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	27.20M	27.14M	26.88M	52.13M	25.72M	25.30M	24.84M	24.72M
Normalized Net Operating Profit after Tax (NOPAT)	20	46	76	73	15	42	32	30
Normalized NOPAT Margin	9.78%	20.71%	49.34%	33.84%	7.28%	18.40%	14.61%	13.53%
Pre Tax Income Margin	11.64%	25.20%	42.13%	40.71%	8.55%	25.79%	18.43%	16.38%
Debt Service Ratios	-	-	-	-	-	-	-	-
EBIT to Interest Expense	22.64	0.00	27.22	48.11	18.40	0.00	0.00	0.00
NOPAT to Interest Expense	18.17	0.00	55.37	38.33	14.80	0.00	0.00	0.00
EBIT Less CapEx to Interest Expense	22.00	0.00	40.17	48.00	17.50	0.00	0.00	0.00
NOPAT Less CapEx to Interest Expense	17.53	0.00	43.43	19.11	13.90	0.00	0.00	0.00
Payout Ratios	-	-	-	-	-	-	-	-
Dividend Payout Ratio	101.43%	186.57%	121.80%	50.80%	53.05%	25.15%	23.69%	0.00%
Augmented Payout Ratio	168.57%	249.38%	168.64%	95.03%	105.85%	89.59%	79.64%	0.00%

Frequently Asked Questions About Employers' Financials

When does Employers's fiscal year end?

According to the most recent income statement we have on file, Employers' financial year ends in December. Their financial year 2024 ended on December 31, 2024.

How has Employers' net income changed over the last 10 years?

Employers's net income for the last 5 years looks like this:

2020: $119.80 million
2021: $119.30 million
2022: $48.40 million
2023: $118.10 million
2024: $118.60 million

What is Employers's operating income?

Employers's total operating income in 2024 was $146.80 million, based on the following breakdown:

Total Gross Profit: $323.30 million
Total Operating Expenses: $176.50 million

How has Employers revenue changed over the last 10 years?

Over the last 10 years, Employers' total revenue changed from $773.50 million in 2014 to $880.70 million in 2024, a change of 13.9%.

How much debt does Employers have?

Employers' total liabilities were at $2.47 billion at the end of 2024, a 2.5% decrease from 2023, and a 19.8% decrease since 2014.

How much cash does Employers have?

In the past 10 years, Employers' cash and equivalents has ranged from $56.60 million in 2015 to $226.40 million in 2023, and is currently $68.30 million as of their latest financial filing in 2024.

How has Employers' book value per share changed over the last 10 years?

Over the last 10 years, Employers' book value per share changed from 21.81 in 2014 to 43.24 in 2024, a change of 98.2%.

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This page (NYSE:EIG) was last updated on 4/18/2025 by MarketBeat.com Staff

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Employers (EIG) Financials

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Employers (EIG) Financials

Annual Income Statements for Employers

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