NYSE$EIG

Employers Holdings Inc · Q3 2025 earnings

Q3 2025 earnings · · After market close · Investor relations

Briefing

Employers Holdings reported Q3 2025, revenue of $239.3M, net income of $34.2M, diluted EPS of $-0.36.

For Q3 2025, Employers Holdings reported revenue of $239.3M, net income of $34.2M, diluted EPS was $-0.36. The filing discusses segment trends, liquidity, and management outlook for upcoming periods.

  • Revenue $239.3M.
  • Net income $34.2M.
  • Diluted EPS $-0.36.

Headline financials

Total Revenue

$239M

Previous: $224M+6.8%
EPS (adj)

-$0.36

Previous: $1.21-129.8%
Loss and LAE ratio

97.1%

Previous: 63.1%+53.9%
Commission expense ratio

12.0%

Previous: 13.8%-13.0%
Underwriting expense ratio

20.6%

Previous: 23.5%-12.3%
GAAP combined ratio

129.7%

Previous: 100.4%+29.2%
Combined ratio (excl. LPT)

130.4%

Previous: 101.2%+28.9%
Gross premiums written

$184M

Previous: $181M+1.5%
Net premiums earned

$192M

Previous: $187M+2.9%
Net investment income

$26.1M

Previous: $26.6M-1.9%
Shares repurchased

45.2M

No prior period
Avg. share repurchase price

$43.09

No prior period
Quarterly cash dividend/share

$0.32

Previous: $0.30+6.7%
Capital Expenditures

-$2M

Previous: -$3.2M+37.5%
Net Income

-$8.3M

Previous: $30.3M-127.4%
Operating Income

-$11.2M

Previous: -$90.4M+87.6%

Revenue & EPS history

Employers · Revenue · Quarterly

$239M

Q3 2025+6.8%vs Q3 2024
Beat estimate in 8 of 15 quarters(53%)
ActualEstimate

Forward guidance

The release discusses Employers Holdings's outlook, capital allocation, and key risks for upcoming quarters, including guidance ranges or operating priorities where disclosed.

Tailwinds

  • Employers Holdings cites demand and execution supporting the near-term outlook.
  • Liquidity and balance-sheet capacity support operations and shareholder returns.

Headwinds

  • Macro, input costs, and FX may pressure margins quarter to quarter.
  • Segment mix and one-time items can affect comparability versus prior periods.

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 20 quarterly earnings reports · overlaid with Q3 2025

Historical avgQ3 2025

+0.1%

Avg return

Earnings day

-0.4%

Avg return

5 days after

-0.3%

Avg return

30 days after

51%

34 / 67 earnings

Positive

+18.5%

Q4 2015

Best reaction

-18.4%

Q4 2013

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q1 2026-0.1%-2.5%+1.6%
Q4 2025-7.9%-2.0%-7.9%
Q3 2025-11.5%-7.6%-2.2%
Q1 2025+1.9%+0.4%+1.2%
Q4 2024+0.3%+4.0%+0.8%
Q3 2024+1.9%+0.0%+11.7%
Q2 2024-2.4%-3.3%+1.1%
Q1 2024-2.0%-5.1%-8.0%
Q4 2023+5.7%+5.7%+4.2%
Q3 2023-4.0%-4.3%-2.0%
Q2 2023+4.2%+3.6%+4.1%
Q1 2023-5.2%-4.9%-13.6%
Q4 2022+6.2%-0.7%-5.6%
Q3 2022+14.9%+18.3%+22.7%
Q2 2022-3.7%-8.8%-2.0%
Q1 2022-4.7%-6.6%+1.1%
Q4 2021+3.0%+1.8%+3.3%
Q3 2021-0.7%-0.3%+2.1%
Q2 2021-7.4%-6.1%-2.6%
Q1 2021+1.2%-2.0%+4.2%
Q3 2020-1.2%-2.8%-0.1%
Q2 2020+6.8%+3.8%+0.7%
Q1 2020-9.1%-7.4%-5.4%
Q4 2019-5.5%-3.7%-22.4%
Q3 2019-4.5%-2.6%-2.3%
Q2 2019+2.6%+1.2%-2.1%
Q1 2019+8.9%+4.3%+1.7%
Q4 2018-3.3%-9.3%-13.9%
Q3 2018+8.7%+12.0%+7.3%
Q2 2018+6.9%+8.4%+4.9%
Q1 2018+0.6%-0.1%-1.2%
Q4 2017+7.2%+3.7%-1.2%
Q3 2017+2.9%+3.3%+6.8%
Q2 2017-1.5%-1.4%-5.3%
Q1 2017+0.3%+3.8%+1.1%
Q4 2016+4.0%+2.3%-3.1%
Q3 2016+1.6%+1.6%+17.7%
Q2 2016-6.7%-12.9%-7.9%
Q1 2016-0.2%
Q4 2015+18.5%
Q3 2015+13.1%
Q2 2015+8.5%
Q1 2015-8.3%
Q4 2014+9.0%
Q3 2014+0.0%
Q2 2014+7.7%
Q1 2014+12.8%
Q4 2013-18.4%
Q3 2013+2.5%
Q2 2013+5.4%
Q1 2013+5.9%
Q4 2012+0.4%
Q3 2012+1.7%
Q2 2012-0.2%
Q1 2012+0.6%
Q4 2011-4.2%
Q3 2011-1.0%
Q2 2011-10.5%
Q1 2010-18.0%
Q1 2011-18.0%
Q4 2008+0.4%
Q4 2010+0.4%
Q4 2009-2.5%
Q3 2010-2.5%
Q3 2009-2.5%
Q2 2009-1.7%
Q2 2010-1.7%

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