NYSE$EIG
Employers Holdings Inc · Q4 2024 earnings
Q4 2024 earnings · · After market close · Investor relations
Briefing
Employers Holdings, Inc. reported its fourth quarter and full-year financial results for 2024, showing growth in net income and premiums earned.
Employers Holdings, Inc. concluded 2024 with record levels of written and earned premium, in-force premium, policies, and net investment income. The company reported a net income of $28.3 million for Q4 2024 and $118.6 million for the full year, alongside solid growth in new and renewal premiums.
- Net income for Q4 2024 was $28.3 million, a decrease from $45.6 million in Q4 2023.
- Gross premiums written for Q4 2024 were $176.3 million, a slight decrease of 1% compared to Q4 2023.
- Net investment income for Q4 2024 increased by 2% to $26.7 million.
- The GAAP combined ratio for Q4 2024 was 95.5%, compared to 88.1% in Q4 2023.
Headline financials
Revenue & EPS history
Employers · Revenue · Quarterly
$190M
Forward guidance
The company's forward-looking statements indicate a continued focus on appetite expansion, self-service options, and operational efficiencies for 2025, while acknowledging potential risks from market conditions and catastrophic events.
Tailwinds
- Continued focus on appetite expansion in 2025.
- Increased self-service options for policyholders, agents, and injured workers.
- Greater operational efficiencies are planned.
- Strong positioning in the workers' compensation insurance market, evidenced by an AM Best Financial Strength Rating upgrade to 'A' (Excellent).
- Active capital management efforts contributed to year-over-year increases in book value per share.
Headwinds
- Potential impacts from changes in interest rates.
- Possible effects of labor market expectations.
- Risks associated with catastrophic events, such as wildfires.
- Uncertainties related to geo-political conditions.
- Potential for legislative or regulatory actions to affect performance.
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 Q4 2024
+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
| Quarter | Report date | Reaction (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% | — | — |
Discussion
Share your read of this quarter. Sign-in carries your eToro identity.
Join the conversation
Sign in with eToro to post your read of this quarter and vote on others'.
Sign in with eToro