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Investor's Craft

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IntroductionThe concept of valuationRevenue and revenue growthVariable costsFixed costsProduction assets

Intrinsic value of Employers Holdings Inc (EIG)

Previous Close$38.76
Intrinsic Value$13.00*
Upside potential  -66%
Previous Close
$38.76
Intrinsic Value
$13.00*
Potential        
-66%
* Our model cannot be used “out of the box” for the valuation of this stock. You can still do your own valuation by changing the valuation input parameters.
Use floor (the cash flow based valuation has rendered a result, which is lower than an estimated minimum value derived from the company’s balance sheet analysis)

VALUATION INPUT DATA (original, your and others' valuations)

ParameterOrig.Your
Date of valuation (DoV)  
Intrinsic value (IV) at DoV, $/sh  
IV at current val. algorithm, $/sh12.88 13

The original valuation is based on fiscal year data as of 2021-12-31 and quarterly data as of 2022-03-31.

Registered users can save their valuation input data

  1. Annual
  2. Quarterly YoY
  3. Quarterly QoQ

Annual revenue growth rates, % (past and forecasted)

NOTE: The bar chart shows historic and forecasted yearly revenue growth rates. Its purpose is to help you in determining what initial revenue rate you want to base your stock valuation on. Please make sure that you are confident in the value you select - for most stocks it is by far the most important parameter in valuation.

Company description

Employers Holdings, Inc., through its subsidiaries, operates in the commercial property and casualty insurance industry primarily in the United States. It offers workers' compensation insurance to small businesses in low to medium hazard industries. The company markets its products through independent local, regional, and national agents and brokers; alternative distribution channels; and national, regional, and local trade groups and associations, as well as directly to customers. Employers Holdings, Inc. was founded in 2000 and is based in Reno, Nevada.

show cash flow forecast

FINANCIAL STATEMENTS FORECAST and PRESENT VALUE CALCULATION

Fiscal year2021(a)2022202320242025202620272028202920302031203220332034203520362037203820392040204120422043204420452046

INCOME STATEMENT

Revenue growth rate, %-1.2NaN
Revenue, $703NaN
Variable operating expenses, $mNaN
Fixed operating expenses, $mNaN
Total operating expenses, $m552NaN
Operating income, $m151NaN
EBITDA, $m181NaN
Interest expense (income), $mNaN
Earnings before tax, $m147NaN
Tax expense, $m28NaN
Net income, $m119NaN

BALANCE SHEET

Cash and short-term investments, $m75NaN
Total assets, $m3356NaN
Adjusted assets (=assets-cash), $m3281NaN
Average production assets, $m83NaN
Working capital, $m-1548NaN
Total debt, $m14NaN
Total liabilities, $m2143NaN
Total equity, $m1213NaN
Debt-to-equity ratio0.012NaN
Adjusted equity ratio0.347NaN

CASH FLOW

Net income, $m119NaN
Depreciation, amort., depletion, $m30NaN
Funds from operations, $mNaN
Change in working capital, $mNaN
Cash from operations, $m11NaN
Maintenance CAPEX, $mNaN
New CAPEX, $mNaN
Total CAPEX, $m-4NaN
Free cash flow, $m14NaN
Issuance/(repurchase) of shares, $mNaN
Retained Cash Flow, $mNaN
Pot'l extraordinary dividend, $m-1548
Cash available for distribution, $mNaN
Discount rate, %NaN
PV of cash for distribution, $mNaN
Current shareholders' claim on cash, %NaN
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