Employers (EIG)
Market Price (5/4/2026): $41.94 | Market Cap: $811.9 MilSector: Financials | Industry: Property & Casualty Insurance
Employers (EIG)
Market Price (5/4/2026): $41.94Market Cap: $811.9 MilSector: FinancialsIndustry: Property & Casualty Insurance
Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.
Cash is significant % of market capNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -125% Attractive yieldDividend Yield is 3.5% Low stock price volatilityVol 12M is 26% | Weak multi-year price returns2Y Excs Rtn is -41%, 3Y Excs Rtn is -69% | Expensive valuation multiplesP/EBITPrice/EBIT or Price/(Operating Income) ratio is 77x, P/CFOPrice/(Cash Flow from Operations). CFO is cash before capital expenditures. is 25x, P/EPrice/Earnings or Price/(Net Income) is 99x Key risksEIG key risks include [1] significant underwriting losses driven by the escalating frequency and severity of its California cumulative trauma claims. |
| Cash is significant % of market capNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -125% |
| Attractive yieldDividend Yield is 3.5% |
| Low stock price volatilityVol 12M is 26% |
| Weak multi-year price returns2Y Excs Rtn is -41%, 3Y Excs Rtn is -69% |
| Expensive valuation multiplesP/EBITPrice/EBIT or Price/(Operating Income) ratio is 77x, P/CFOPrice/(Cash Flow from Operations). CFO is cash before capital expenditures. is 25x, P/EPrice/Earnings or Price/(Net Income) is 99x |
| Key risksEIG key risks include [1] significant underwriting losses driven by the escalating frequency and severity of its California cumulative trauma claims. |
Qualitative Assessment
AI Analysis | Feedback
1. Poor Q4 2025 Financial Results Triggered Initial Decline.
Employers (EIG) stock experienced a significant drop, falling over 10% on February 20, 2026, following the release of its Q4 2025 earnings report. The company reported a net loss of $23.4 million, or $1.06 per diluted share, a substantial decline from a profit in the prior year. Additionally, Q4 2025 revenue decreased by 21.3% year-over-year to $170.5 million, missing analyst estimates, and results included $49.7 million in realized and unrealized investment losses.
2. Continued Underwriting Losses and Reduced Profitability in Q1 2026.
The company's Q1 2026 results, reported on April 29, 2026, showed further pressure on profitability, with adjusted net income decreasing by 52% year-over-year to $10.3 million from $21.3 million. The GAAP combined ratio worsened to 107.1% from 102.0% in Q1 2025, indicating an underwriting loss. This was partly due to an increased loss and loss adjustment expense (LAE) ratio of 71.4%, driven by higher cumulative trauma claims in California.
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Stock Movement Drivers
Fundamental Drivers
The -3.2% change in EIG stock from 1/31/2026 to 5/3/2026 was primarily driven by a -86.3% change in the company's Net Income Margin (%).| (LTM values as of) | 1312026 | 5032026 | Change |
|---|---|---|---|
| Stock Price ($) | 43.29 | 41.92 | -3.2% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 905 | 864 | -4.5% |
| Net Income Margin (%) | 6.9% | 0.9% | -86.3% |
| P/E Multiple | 16.1 | 99.0 | 514.7% |
| Shares Outstanding (Mil) | 23 | 19 | 20.1% |
| Cumulative Contribution | -3.2% |
Market Drivers
1/31/2026 to 5/3/2026| Return | Correlation | |
|---|---|---|
| EIG | -3.2% | |
| Market (SPY) | 3.6% | 6.8% |
| Sector (XLF) | -2.3% | 23.6% |
Fundamental Drivers
The 11.7% change in EIG stock from 10/31/2025 to 5/3/2026 was primarily driven by a 609.0% change in the company's P/E Multiple.| (LTM values as of) | 10312025 | 5032026 | Change |
|---|---|---|---|
| Stock Price ($) | 37.53 | 41.92 | 11.7% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 905 | 864 | -4.5% |
| Net Income Margin (%) | 6.9% | 0.9% | -86.3% |
| P/E Multiple | 14.0 | 99.0 | 609.0% |
| Shares Outstanding (Mil) | 23 | 19 | 20.1% |
| Cumulative Contribution | 11.7% |
Market Drivers
10/31/2025 to 5/3/2026| Return | Correlation | |
|---|---|---|
| EIG | 11.7% | |
| Market (SPY) | 5.5% | 1.4% |
| Sector (XLF) | -0.0% | 30.8% |
Fundamental Drivers
The -11.1% change in EIG stock from 4/30/2025 to 5/3/2026 was primarily driven by a -92.9% change in the company's Net Income Margin (%).| (LTM values as of) | 4302025 | 5032026 | Change |
|---|---|---|---|
| Stock Price ($) | 47.15 | 41.92 | -11.1% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 881 | 864 | -1.9% |
| Net Income Margin (%) | 13.5% | 0.9% | -92.9% |
| P/E Multiple | 9.8 | 99.0 | 906.8% |
| Shares Outstanding (Mil) | 25 | 19 | 27.7% |
| Cumulative Contribution | -11.1% |
Market Drivers
4/30/2025 to 5/3/2026| Return | Correlation | |
|---|---|---|
| EIG | -11.1% | |
| Market (SPY) | 30.4% | 15.6% |
| Sector (XLF) | 8.1% | 39.9% |
Fundamental Drivers
The 15.0% change in EIG stock from 4/30/2023 to 5/3/2026 was primarily driven by a 641.5% change in the company's P/E Multiple.| (LTM values as of) | 4302023 | 5032026 | Change |
|---|---|---|---|
| Stock Price ($) | 36.44 | 41.92 | 15.0% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 768 | 864 | 12.5% |
| Net Income Margin (%) | 9.7% | 0.9% | -90.2% |
| P/E Multiple | 13.3 | 99.0 | 641.5% |
| Shares Outstanding (Mil) | 27 | 19 | 40.4% |
| Cumulative Contribution | 15.0% |
Market Drivers
4/30/2023 to 5/3/2026| Return | Correlation | |
|---|---|---|
| EIG | 15.0% | |
| Market (SPY) | 78.7% | 23.1% |
| Sector (XLF) | 64.3% | 48.7% |
Price Returns Compared
| 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | Total [1] | |
|---|---|---|---|---|---|---|---|
| Returns | |||||||
| EIG Return | 32% | 13% | -6% | 33% | -13% | -2% | 58% |
| Peers Return | 27% | 11% | 16% | 31% | 13% | 0% | 145% |
| S&P 500 Return | 27% | -19% | 24% | 23% | 16% | 5% | 92% |
Monthly Win Rates [3] | |||||||
| EIG Win Rate | 50% | 50% | 67% | 67% | 42% | 75% | |
| Peers Win Rate | 57% | 53% | 62% | 68% | 60% | 45% | |
| S&P 500 Win Rate | 75% | 42% | 67% | 75% | 67% | 50% | |
Max Drawdowns [4] | |||||||
| EIG Max Drawdown | -5% | -17% | -16% | -1% | -28% | -9% | |
| Peers Max Drawdown | -6% | -11% | -14% | -1% | -7% | -9% | |
| S&P 500 Max Drawdown | -1% | -25% | -1% | -2% | -15% | -7% | |
[1] Cumulative total returns since the beginning of 2021
[2] Peers: HIG, FNF, CB, PGR, TRV.
[3] Win Rate = % of calendar months in which monthly returns were positive
[4] Max drawdown represents maximum peak-to-trough decline within a year
[5] 2026 data is for the year up to 5/1/2026 (YTD)
How Low Can It Go
| Event | EIG | S&P 500 |
|---|---|---|
| 2023 SVB Regional Banking Crisis | ||
| % Loss | -15.8% | -6.7% |
| % Gain to Breakeven | 18.7% | 7.1% |
| Time to Breakeven | 262 days | 31 days |
| 2022 Inflation Shock & Fed Tightening | ||
| % Loss | -17.0% | -24.5% |
| % Gain to Breakeven | 20.4% | 32.4% |
| Time to Breakeven | 21 days | 427 days |
| 2020 COVID-19 Crash | ||
| % Loss | -37.4% | -33.7% |
| % Gain to Breakeven | 59.8% | 50.9% |
| Time to Breakeven | 337 days | 140 days |
| 2015-2016 China Devaluation / Global Growth Scare | ||
| % Loss | -17.0% | -12.2% |
| % Gain to Breakeven | 20.4% | 13.9% |
| Time to Breakeven | 23 days | 62 days |
| 2014-2016 Oil Price Collapse | ||
| % Loss | -10.5% | -6.8% |
| % Gain to Breakeven | 11.7% | 7.3% |
| Time to Breakeven | 35 days | 15 days |
| 2013 Taper Tantrum | ||
| % Loss | -13.3% | -0.2% |
| % Gain to Breakeven | 15.4% | 0.2% |
| Time to Breakeven | 65 days | 1 days |
In The Past
Employers's stock fell -5.5% during the 2025 US Tariff Shock. Such a loss loss requires a 5.8% gain to breakeven.
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| Event | EIG | S&P 500 |
|---|---|---|
| 2020 COVID-19 Crash | ||
| % Loss | -37.4% | -33.7% |
| % Gain to Breakeven | 59.8% | 50.9% |
| Time to Breakeven | 337 days | 140 days |
| 2011 US Debt Ceiling Crisis & European Contagion | ||
| % Loss | -27.2% | -17.9% |
| % Gain to Breakeven | 37.3% | 21.8% |
| Time to Breakeven | 57 days | 123 days |
| 2008-2009 Global Financial Crisis | ||
| % Loss | -52.3% | -53.4% |
| % Gain to Breakeven | 109.7% | 114.4% |
| Time to Breakeven | 638 days | 1085 days |
In The Past
Employers's stock fell -5.5% during the 2025 US Tariff Shock. Such a loss loss requires a 5.8% gain to breakeven.
Preserve Wealth
Limiting losses and compounding gains is essential to preserving wealth.
Asset Allocation
Actively managed asset allocation strategies protect wealth. Learn more.
About Employers (EIG)
AI Analysis | Feedback
Here are 1-3 brief analogies for Employers Holdings, Inc. (EIG):
They're like the Progressive of workers' compensation insurance for small businesses.
Imagine State Farm, but focused exclusively on workers' compensation for small businesses.
Think of them as the ADP for small business workers' compensation insurance.
AI Analysis | Feedback
- Workers' Compensation Insurance: Provides insurance policies to small businesses covering costs associated with work-related injuries and illnesses for their employees.
AI Analysis | Feedback
Employers Holdings, Inc. (EIG) sells primarily to other companies, specifically small businesses.
Based on the company description, its major customers are:
- Small businesses in low to medium hazard industries that require workers' compensation insurance.
The company does not publicly disclose the names of its individual small business customers, as its customer base consists of a large number of diverse small enterprises rather than a few major named corporations.
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- Guidewire Software, Inc. (GWRE)
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Katherine H. Antonello President and Chief Executive Officer
Katherine H. Antonello has served as the President and Chief Executive Officer of Employers Holdings, Inc. since April 2021. She possesses extensive actuarial expertise and a deep understanding of the insurance industry, holding designations as a Fellow of the Casualty Actuarial Society (FCAS), a Fellow of the Society of Actuaries (FSA), and a Member of the American Academy of Actuaries (MAAA).
Michael A. Pedraja Executive Vice President, Chief Financial Officer
Michael A. Pedraja is the Executive Vice President and Chief Financial Officer of Employers Holdings, Inc., officially assuming the role on or around March 31, 2025. He brings over 30 years of experience in corporate finance within the insurance sector. His career includes significant positions such as Group CFO for Ariel Re Services, and senior roles at The Allstate Corporation, Aon Securities, Barclays, and Credit Suisse. Mr. Pedraja holds a bachelor's degree in accounting from DePaul University.
John M. Mutschink Executive Vice President, Chief Administrative Officer
John M. Mutschink serves as the Executive Vice President, Chief Administrative Officer for Employers Holdings, Inc.
Lori A. Brown Executive Vice President, Chief Legal Officer and General Counsel
Lori A. Brown holds the position of Executive Vice President, Chief Legal Officer and General Counsel at Employers Holdings, Inc.
Ann Marie Smith Senior Vice President, Chief Actuarial and Underwriting Officer
Ann Marie Smith is the Senior Vice President, Chief Actuarial and Underwriting Officer for Employers Holdings, Inc.
AI Analysis | Feedback
The key risks to Employers Holdings, Inc. (EIG) are as follows:1. Concentration Risk and Surge in California Cumulative Trauma Claims
Employers Holdings, Inc. faces significant risk due to its concentrated business in California, which accounts for approximately 45% of its premiums. The company has experienced an unexpected and substantial surge in cumulative trauma (CT) claims in California, leading to a deterioration in underwriting profitability and requiring significant strengthening of prior-year reserves. This issue has directly impacted the company's financial performance, contributing to underwriting losses and a sharp increase in the GAAP combined ratio.
2. Underwriting Profitability and Pricing in a Competitive Market
The company operates in a highly competitive workers' compensation insurance market characterized by stagnant pricing and rising claims costs. This environment puts continuous pressure on EIG's underwriting discipline, leading to challenges in maintaining profitability. Inaccurate estimates of expected losses and loss adjustment expenses (LAE) can result in mispriced policies, further contributing to underwriting losses. EIG's combined ratio has worsened, indicating a decline in core underwriting profitability.
3. Regulatory Restrictions on Subsidiary Dividend Payments
As a holding company, Employers Holdings, Inc. relies on dividends from its insurance subsidiaries to fund its operations and capital management strategies. However, state regulations impose significant restrictions on the amount these subsidiaries can pay out in dividends. This limitation can reduce the holding company's financial flexibility, particularly if the subsidiaries face financial strains or require capital for their own operations, potentially impacting EIG's ability to return capital to shareholders or manage its overall liquidity.
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The rise of Insurtech companies specializing in small business workers' compensation insurance poses a clear emerging threat. These companies leverage advanced data analytics, artificial intelligence, and streamlined digital platforms to offer more tailored policies, faster quotes, potentially lower premiums, and a more user-friendly experience, directly challenging traditional insurers' market share and operational efficiency in EIG's core segment.
AI Analysis | Feedback
Employers Holdings, Inc. (EIG) operates in the workers' compensation insurance industry primarily in the United States, focusing on small businesses in low to medium hazard industries. The addressable market for their main product, workers' compensation insurance, in the U.S. is estimated to be approximately $51.2 billion in 2025.AI Analysis | Feedback
Here are 3-5 expected drivers of future revenue growth for Employers Holdings, Inc. (EIG) over the next 2-3 years:
- Growth in New and Renewal Premiums: The company has demonstrated steady growth in written premiums, driven by increases in both new business and renewal policies. In 2023, gross written premium growth was a result of a 20% increase in new business and a 9% increase in renewal business. This trend of increasing policy count and premium volume is expected to continue, supported by ongoing appetite expansion initiatives.
- Launch and Expansion of Excess Workers' Compensation Product: EIG has strategically expanded its product portfolio with the launch of a new Excess Workers' Compensation insurance product. This product targets large self-insured employers, groups, and public entities, marking a new market opportunity that management believes could be a meaningful top-line revenue growth driver, with submissions expected to commence in early 2026.
- Growth in Cerity® Digital-First Policy Volume: The company's digital-first platform, Cerity®, is positioned as a direct-to-consumer workers' compensation solution. This platform is expected to continue capturing new business and contributing to overall growth.
- Net Investment Income: Investment performance has been a significant contributor to EIG's revenue. Net investment income increased by 19% in 2023 and continued to rise in 2025, increasing by 17.6% in Q4 2025 due to private equity investment return distributions and a higher book yield on its fixed-income portfolio. Continued effective investment strategies are anticipated to boost revenue.
- Underwriting and Pricing Actions: While primarily aimed at profitability, recent underwriting and pricing adjustments, particularly in response to increased California cumulative trauma claims, are expected to stabilize loss ratios and improve overall underwriting income. This focus on disciplined risk management and improved profitability for its core insurance business provides a sustainable foundation for future revenue growth.
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Share Repurchases
- Employers Holdings, Inc. returned $215.4 million to stockholders through share repurchases and regular quarterly dividends in 2025.
- In January 2026, the company completed a $125 million recapitalization plan, which included the repurchase of 2,981,141 shares at an average price of $42.00 per share.
- As of February 18, 2026, the company had a remaining share repurchase authorization of $53.1 million. Additionally, an increase of $125.0 million to the existing 2025 share repurchase program was approved in October 2025, expanding the aggregate share repurchase authority to $250.0 million.
Share Issuance
- No significant share issuances by Employers Holdings, Inc. have been reported in the last 3-5 years.
Outbound Investments
- Employers Holdings, Inc. launched a new Excess Workers' Compensation insurance product in February 2026, expanding its portfolio to serve large self-insured employers and public entities.
Capital Expenditures
- Capital expenditures for Employers Holdings, Inc. were notably low at approximately $3.7 million (TTM as of Q3 2025), which is characteristic of a non-capital-intensive insurance company.
- The company's strategic focus includes investments in technology, such as the aggressive adoption of AI tools to accelerate product development, and maintaining automation and digital distribution investments.
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| 03272026 | JKHY | Jack Henry & Associates | Monopoly | MY | Getting CheaperMonopoly-Like with P/S DeclineLarge cap with monopoly-like margins or cash flow generation and getting cheaper based on P/S multiple | 0.3% | 0.3% | -4.0% |
Research & Analysis
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Peer Comparisons
| Peers to compare with: |
Financials
| Median | |
|---|---|
| Name | |
| Mkt Price | 167.56 |
| Mkt Cap | 51.5 |
| Rev LTM | 38,696 |
| Op Inc LTM | - |
| FCF LTM | 8,632 |
| FCF 3Y Avg | 7,879 |
| CFO LTM | 8,713 |
| CFO 3Y Avg | 7,950 |
Growth & Margins
| Median | |
|---|---|
| Name | |
| Rev Chg LTM | 6.1% |
| Rev Chg 3Y Avg | 8.6% |
| Rev Chg Q | 8.1% |
| QoQ Delta Rev Chg LTM | 1.9% |
| Op Inc Chg LTM | - |
| Op Inc Chg 3Y Avg | - |
| Op Mgn LTM | - |
| Op Mgn 3Y Avg | - |
| QoQ Delta Op Mgn LTM | - |
| CFO/Rev LTM | 22.2% |
| CFO/Rev 3Y Avg | 20.3% |
| FCF/Rev LTM | 21.9% |
| FCF/Rev 3Y Avg | 20.0% |
Valuation
| Median | |
|---|---|
| Name | |
| Mkt Cap | 51.5 |
| P/S | 1.3 |
| P/Op Inc | - |
| P/EBIT | 8.2 |
| P/E | 10.8 |
| P/CFO | 6.5 |
| Total Yield | 11.1% |
| Dividend Yield | 2.0% |
| FCF Yield 3Y Avg | 13.7% |
| D/E | 0.1 |
| Net D/E | -0.9 |
Returns
| Median | |
|---|---|
| Name | |
| 1M Rtn | 0.9% |
| 3M Rtn | -1.1% |
| 6M Rtn | 11.0% |
| 12M Rtn | -1.2% |
| 3Y Rtn | 76.9% |
| 1M Excs Rtn | -7.2% |
| 3M Excs Rtn | -5.3% |
| 6M Excs Rtn | 3.9% |
| 12M Excs Rtn | -29.1% |
| 3Y Excs Rtn | -4.6% |
Price Behavior
| Market Price | $41.92 | |
| Market Cap ($ Bil) | 0.9 | |
| First Trading Date | 01/31/2007 | |
| Distance from 52W High | -13.8% | |
| 50 Days | 200 Days | |
| DMA Price | $41.03 | $41.50 |
| DMA Trend | down | down |
| Distance from DMA | 2.2% | 1.0% |
| 3M | 1YR | |
| Volatility | 26.9% | 25.4% |
| Downside Capture | 0.25 | 0.22 |
| Upside Capture | 19.83 | 13.44 |
| Correlation (SPY) | 8.2% | 15.6% |
| 1M | 2M | 3M | 6M | 1Y | 3Y | |
|---|---|---|---|---|---|---|
| Beta | 0.16 | 0.27 | 0.14 | -0.01 | 0.32 | 0.34 |
| Up Beta | -0.16 | -0.15 | -0.01 | 0.29 | 0.55 | 0.43 |
| Down Beta | -2.58 | -0.14 | -0.12 | 0.03 | 0.21 | 0.34 |
| Up Capture | 40% | 56% | 18% | -3% | 9% | 8% |
| Bmk +ve Days | 15 | 22 | 31 | 66 | 141 | 428 |
| Stock +ve Days | 12 | 23 | 34 | 70 | 127 | 396 |
| Down Capture | 177% | 53% | 34% | -29% | 46% | 52% |
| Bmk -ve Days | 4 | 18 | 30 | 56 | 108 | 321 |
| Stock -ve Days | 10 | 20 | 30 | 54 | 122 | 346 |
[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
Based On 1-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with EIG | |
|---|---|---|---|---|
| EIG | -11.1% | 25.5% | -0.50 | - |
| Sector ETF (XLF) | 8.2% | 14.7% | 0.32 | 39.9% |
| Equity (SPY) | 30.6% | 12.5% | 1.88 | 15.6% |
| Gold (GLD) | 39.5% | 27.2% | 1.20 | -8.5% |
| Commodities (DBC) | 51.5% | 17.9% | 2.20 | -9.2% |
| Real Estate (VNQ) | 13.1% | 13.5% | 0.67 | 34.4% |
| Bitcoin (BTCUSD) | -17.1% | 42.2% | -0.33 | 4.9% |
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Based On 5-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with EIG | |
|---|---|---|---|---|
| EIG | 4.7% | 23.9% | 0.16 | - |
| Sector ETF (XLF) | 9.8% | 18.7% | 0.40 | 48.6% |
| Equity (SPY) | 12.8% | 17.1% | 0.59 | 28.5% |
| Gold (GLD) | 20.5% | 17.9% | 0.94 | -3.4% |
| Commodities (DBC) | 14.3% | 19.1% | 0.61 | 4.7% |
| Real Estate (VNQ) | 3.5% | 18.8% | 0.09 | 33.2% |
| Bitcoin (BTCUSD) | 7.7% | 56.2% | 0.35 | 6.1% |
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Based On 10-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with EIG | |
|---|---|---|---|---|
| EIG | 6.9% | 26.7% | 0.28 | - |
| Sector ETF (XLF) | 12.6% | 22.2% | 0.52 | 52.5% |
| Equity (SPY) | 14.9% | 17.9% | 0.71 | 39.1% |
| Gold (GLD) | 13.6% | 15.9% | 0.71 | -3.8% |
| Commodities (DBC) | 9.7% | 17.7% | 0.46 | 11.8% |
| Real Estate (VNQ) | 5.7% | 20.7% | 0.24 | 38.1% |
| Bitcoin (BTCUSD) | 67.7% | 66.9% | 1.07 | 6.9% |
Smart multi-asset allocation framework can stack odds in your favor. Learn How
Returns Analyses
Earnings Returns History
Expand for More| Forward Returns | |||
|---|---|---|---|
| Earnings Date | 1D Returns | 5D Returns | 21D Returns |
| 2/19/2026 | -7.7% | -2.7% | -7.2% |
| 10/30/2025 | -6.4% | -6.0% | -1.3% |
| 7/30/2025 | -9.5% | -8.4% | -5.2% |
| 5/1/2025 | 2.4% | 2.6% | 1.9% |
| 2/20/2025 | 0.3% | 4.8% | 1.4% |
| 10/30/2024 | 1.6% | 11.9% | 11.9% |
| 7/31/2024 | -3.6% | -5.0% | 0.1% |
| 4/25/2024 | 1.1% | -0.7% | -4.4% |
| ... | |||
| SUMMARY STATS | |||
| # Positive | 11 | 9 | 11 |
| # Negative | 10 | 12 | 10 |
| Median Positive | 3.0% | 3.6% | 2.4% |
| Median Negative | -5.2% | -3.9% | -1.7% |
| Max Positive | 11.1% | 13.4% | 24.3% |
| Max Negative | -9.5% | -8.4% | -13.6% |
SEC Filings
Expand for More| Report Date | Filing Date | Filing |
|---|---|---|
| 03/31/2026 | 05/01/2026 | 10-Q |
| 12/31/2025 | 02/26/2026 | 10-K |
| 09/30/2025 | 10/31/2025 | 10-Q |
| 06/30/2025 | 08/01/2025 | 10-Q |
| 03/31/2025 | 05/02/2025 | 10-Q |
| 12/31/2024 | 02/28/2025 | 10-K |
| 09/30/2024 | 11/01/2024 | 10-Q |
| 06/30/2024 | 08/02/2024 | 10-Q |
| 03/31/2024 | 04/26/2024 | 10-Q |
| 12/31/2023 | 02/26/2024 | 10-K |
| 09/30/2023 | 10/27/2023 | 10-Q |
| 06/30/2023 | 07/28/2023 | 10-Q |
| 03/31/2023 | 04/28/2023 | 10-Q |
| 12/31/2022 | 02/24/2023 | 10-K |
| 09/30/2022 | 10/28/2022 | 10-Q |
| 06/30/2022 | 07/29/2022 | 10-Q |
Recent Forward Guidance [BETA]
Latest: Q1 2026 Earnings Reported 4/29/2026
| Forward Guidance | Guidance Change | ||||||
|---|---|---|---|---|---|---|---|
| Metric | Low | Mid | High | % Chg | % Delta | Change | Prior |
| Q2 2026 Dividends | 0.34 | 6.2% | Higher New | Actual: 0.32 for Q1 2026 | |||
| 2026 Share Repurchases | 125.00 Mil | ||||||
Prior: Q4 2025 Earnings Reported 2/19/2026
| Forward Guidance | Guidance Change | ||||||
|---|---|---|---|---|---|---|---|
| Metric | Low | Mid | High | % Chg | % Delta | Change | Prior |
| Q1 2026 Dividends | 0.32 | ||||||
Insider Activity
Expand for More| # | Owner | Title | Holding | Action | Filing Date | Price | Shares | Transacted Value | Value of Held Shares | Form |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | Ozuna, Christina M | Chief Claims Officer | Direct | Sell | 3112026 | 39.88 | 4,500 | 179,460 | 598,519 | Form |
| 2 | Smith, Ann Marie | Chief Actuarial and UW Officer | Direct | Sell | 3112026 | 39.29 | 5,000 | 196,450 | 341,980 | Form |
| 3 | Pedraja, Michael | EVP, Chief Financial Officer | Direct | Buy | 2242026 | 39.73 | 2,000 | 79,460 | 787,846 | Form |
| 4 | Pedraja, Michael | EVP, Chief Financial Officer | Direct | Buy | 11042025 | 37.09 | 5,500 | 203,995 | 661,315 | Form |
| 5 | Pedraja, Michael | EVP, Chief Financial Officer | Direct | Buy | 8052025 | 40.04 | 5,000 | 200,200 | 493,693 | Form |
External Quote Links
| Y Finance | Barrons |
| TradingView | Morningstar |
| SeekingAlpha | ValueLine |
| Motley Fool | Robinhood |
| CNBC | Etrade |
| MarketWatch | Unusual Whales |
| YCharts | Perplexity Finance |
| FinViz |
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