Employers Holdings (EIG) Reports Q4 Earnings: What Key Metrics Have to Say

Core Viewpoint - Employers Holdings (EIG) reported a decline in revenue and earnings per share (EPS) for the quarter ended December 2024, indicating potential challenges in financial performance compared to the previous year and market expectations [1]. Financial Performance - Revenue for the quarter was $216.6 million, down 4% year-over-year, and below the Zacks Consensus Estimate of $221.18 million by 2.07% [1]. - EPS was reported at $1.15, a decrease from $1.40 in the same quarter last year, but exceeded the consensus estimate of $1.08 by 6.48% [1]. - The combined ratio was 95.5%, better than the average estimate of 96.3% from two analysts [4]. - The loss and LAE (Loss Adjustment Expense) ratio was reported at 59.5%, slightly above the estimated 59.4% [4]. Revenue Breakdown - Net premiums earned were $190.20 million, compared to the average estimate of $193.49 million, reflecting a year-over-year increase of 1.4% [4]. - Net investment income was reported at $26.70 million, below the average estimate of $27.64 million, but showed a year-over-year increase of 1.9% [4]. Stock Performance - Shares of Employers Holdings have returned -0.1% over the past month, contrasting with the Zacks S&P 500 composite's increase of 2.6% [3]. - The stock currently holds a Zacks Rank 3 (Hold), suggesting it may perform in line with the broader market in the near term [3].