Employers Holdings Ratios and Metrics

Market cap in millions EUR. Fiscal year is January - December.

Millions EUR. Fiscal year is Jan - Dec.

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Feb '26 Feb 19, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Market Capitalization	676	827	1,223	917	1,098	1,017
Market Cap Growth	-42.62%	-32.42%	33.40%	-16.47%	7.87%	33.23%
Enterprise Value	571	688	1,089	860	1,144	949
PE Ratio	73.55	89.85	10.68	8.58	24.24	9.70
PS Ratio	0.92	1.13	1.44	1.19	1.64	1.65
PB Ratio	0.83	1.01	1.19	1.00	1.24	0.95
P/FCF Ratio	-	-	17.71	21.47	12.07	160.72
P/OCF Ratio	-	-	16.57	20.51	11.75	107.15
EV/Sales Ratio	0.78	0.94	1.28	1.12	1.71	1.54
EV/EBITDA Ratio	39.39	47.33	7.50	5.59	18.92	6.79
EV/EBIT Ratio	49.43	59.39	7.68	5.75	20.61	7.12
EV/FCF Ratio	-	-	15.77	20.13	12.57	149.95
Debt / Equity Ratio	0.04	0.04	0.00	0.01	0.21	0.01
Debt / EBITDA Ratio	2.05	2.05	0.03	0.04	2.89	0.10
Debt / FCF Ratio	-	-	0.06	0.13	2.02	2.38
Net Debt / Equity Ratio	-0.13	-0.13	-0.06	-0.22	0.11	-0.05
Net Debt / EBITDA Ratio	-7.31	-7.31	-0.43	-1.30	1.66	-0.36
Net Debt / FCF Ratio	-	-	-0.89	-4.67	1.10	-8.06
Quick Ratio	1.12	1.12	0.21	0.30	0.24	0.16
Current Ratio	2.02	2.02	0.42	0.52	0.47	0.40
Asset Turnover	0.25	0.25	0.25	0.23	0.19	0.18
Return on Equity (ROE)	1.07%	1.07%	11.39%	12.06%	4.49%	9.84%
Return on Assets (ROA)	0.24%	0.24%	2.59%	2.84%	0.99%	2.46%
Return on Invested Capital (ROIC)	1.20%	1.19%	11.34%	12.17%	4.34%	9.91%
Earnings Yield	1.36%	1.11%	9.37%	11.65%	4.13%	10.31%
FCF Yield	-	-	5.65%	4.66%	8.29%	0.62%
Dividend Yield	3.26%	2.92%	2.41%	2.95%	2.59%	2.85%
Payout Ratio	286.21%	-	25.55%	25.15%	59.50%	24.31%
Buyback Yield / Dilution	6.62%	6.62%	5.01%	4.18%	3.22%	5.31%
Total Shareholder Return	9.88%	9.54%	7.42%	7.13%	5.80%	8.16%

Source: S&P Global Market Intelligence. Insurance template. Financial Sources.