Employers Holdings Income Statement

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	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
Net Premiums Earned	761.9	749.5	721.9	675.2	574.4
Investment Income	116.7	107	106.5	89.8	72.7
Net Gains on Investments	-20.4	24.1	22.7	-51.8	54.6
Total Other Revenues	0.5	0.1	-0.2	0.3	1.4
Revenue	858.7	880.7	850.9	713.5	703.1
Revenue Growth (YoY)	-2.50%	3.50%	19.26%	1.48%	-1.17%
Insurance Benefits & Claims	581.8	456.2	405.7	391	315.2
Policy Amortization Costs	97.9	101.2	100	95.9	76.1
Other Operating Expenses	166.5	176.5	191	167.3	164.3
Operating Income	12.5	146.8	154.2	59.3	147.5
Interest Expense	-0.5	-0.1	-5.8	-3.5	-0.5
Total Non-Operating Income (Expense)	-0.5	-0.1	-5.8	-3.5	-0.5
Pretax Income	12	146.7	148.4	55.8	147
Provision for Income Taxes	1.2	28.1	30.3	7.4	27.7
Net Income	10.8	118.6	118.1	48.4	119.3
Net Income to Common	10.8	118.6	118.1	48.4	119.3
Net Income Growth	-90.89%	0.42%	144.01%	-59.43%	-0.42%
Shares Outstanding (Basic)	23	25	26	28	28
Shares Outstanding (Diluted)	24	25	27	28	29
Shares Change (YoY)	-6.62%	-5.01%	-4.18%	-3.22%	-5.31%
EPS (Basic)	0.46	4.73	4.48	1.76	4.22
EPS (Diluted)	0.46	4.71	4.45	1.75	4.17
EPS Growth	-90.23%	5.84%	154.29%	-58.03%	5.04%
Free Cash Flow	42.5	71.5	47.2	97.2	7.2
Free Cash Flow Growth	-40.56%	51.48%	-51.44%	1250.00%	-73.82%
Free Cash Flow Per Share	1.81	2.84	1.78	3.51	0.25
Dividends Per Share	1.260	1.180	1.100	1.030	1.000
Dividend Growth	6.78%	7.27%	6.80%	3.00%	-
Operating Margin	1.46%	16.67%	18.12%	8.31%	20.98%
Profit Margin	1.26%	13.47%	13.88%	6.78%	16.97%
FCF Margin	4.95%	8.12%	5.55%	13.62%	1.02%
EBITDA	16.1	150.4	159	64.6	154.9
EBITDA Margin	1.87%	17.08%	18.69%	9.05%	22.03%
EBIT	12.5	146.8	154.2	59.3	147.5
EBIT Margin	1.46%	16.67%	18.12%	8.31%	20.98%
Effective Tax Rate	10.00%	19.15%	20.42%	13.26%	18.84%

Updated Dec 31, 2025. Data Source: Fiscal.ai. Insurance template. Financial Sources.

SEC Filings: 10-K · 10-Q