Employers Holdings, Inc. Financial Ratios — EIG Stock

Profitability (USD)

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	14.58	26.94	13.44	18.33	14.77	14.61	12.49	15.08	14.34	9.95	9.22	3.67	8.81	8.3	0.74
Return on Assets (%)	1.4	3.06	1.78	2.72	2.51	2.83	2.66	3.64	3.97	3.02	3.1	1.29	3.25	3.34	0.31
Return on Capital (%)	- -	- -	- -	16.02	13.83	14.16	12.22	14.89	14.14	9.74	9.05	3.61	8.51	8.27	0.76
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	10.02	16.84	7.34	13.78	13.22	18.04	18.02	21.18	23.18	20.76	20.91	7.82	17.44	16.66	1.4
Profit Margin (%)	10.48	18.46	8.82	13.02	12.55	13.68	12.66	17.65	18.79	16.84	16.97	6.78	13.88	13.47	1.26
Net Income to Common Margin (%)	10.48	18.46	8.82	13.02	12.55	13.68	12.66	17.65	18.79	16.84	16.97	6.78	13.88	13.47	1.26
Effective Tax Rate (%)	- -	- -	- -	5.53	5.03	24.16	29.72	16.64	18.94	18.89	18.84	13.26	20.42	19.15	10
Dvd Payout Ratio (%)	18.39	7.02	11.76	7.55	8.16	10.78	19.47	18.9	18.01	25.46	24.31	186.57	25.15	25.55	276.85
Sustainable Growth Rate (%)	11.9	25.05	11.86	16.95	13.56	13.04	10.06	12.23	11.76	7.42	6.98	-3.18	6.59	6.18	-1.3

Credit (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	122	112	102	92	32	32	20	20	18	40	17	196	6	4	39
ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	19
LT Debt	122	112	102	92	32	32	20	20	18	40	17	196	6	4	20
Total Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	-1.29	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	4	4	3	3	3	2	1	2	1	- -	- -	4	6	- -	- -
Common Equity/Total Assets	9.97	12.71	13.8	15.81	18.17	20.61	21.95	26.31	28.96	31.83	35.4	34.88	39.01	41.61	42.32
Long-Term Debt/Equity (%)	26.41	20.76	17.94	13.4	4.21	3.81	2.11	1.96	1.53	3.29	1.37	20.77	0.58	0.39	2.08
Long-Term Debt/Capital (%)	26.01	20.06	16.87	13.37	4.48	3.95	2.32	1.9	1.51	3.1	1.22	13.14	0.42	0.28	1.33
Long-Term Debt/Total Assets (%)	3.5	3.19	2.8	2.44	0.85	0.85	0.52	0.51	0.44	1.02	0.44	5.28	0.17	0.12	0.58
Total Debt/Equity (%)	26.41	20.76	17.94	13.4	4.21	3.81	2.11	1.96	1.53	3.29	1.37	20.77	0.58	0.39	4.07
Total Debt/Capital (%)	26.01	20.06	16.87	13.37	4.48	3.95	2.32	1.9	1.51	3.1	1.22	13.14	0.42	0.28	2.6
Total Debt/Total Assets (%)	3.5	3.19	2.8	2.44	0.85	0.85	0.52	0.51	0.44	1.02	0.44	5.28	0.17	0.12	1.13
Net Debt to Equity	-28.2	-5.31	11.87	-1.69	-3.23	-4.19	-5.62	-7.99	-13.29	-11.58	-6.19	9.88	-22.33	-6.39	-13.06
Net Debt/Capital (%)	-60.12	-6.86	11.84	-1.99	-3.74	-4.74	-6.75	-8.57	-15.15	-12.45	-5.86	6.65	-19.44	-4.85	-9.36
EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	-5	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	9.97	12.71	13.8	15.81	18.17	20.61	21.95	26.31	28.96	31.83	35.4	34.88	39.01	41.61	42.32
Long-Term Debt/Equity (%)	26.41	20.76	17.94	13.4	4.21	3.81	2.11	1.96	1.53	3.29	1.37	20.77	0.58	0.39	2.08
Long-Term Debt/Capital (%)	26.01	20.06	16.87	13.37	4.48	3.95	2.32	1.9	1.51	3.1	1.22	13.14	0.42	0.28	1.33
Long-Term Debt/Total Assets (%)	3.5	3.19	2.8	2.44	0.85	0.85	0.52	0.51	0.44	1.02	0.44	5.28	0.17	0.12	0.58
Total Debt/Equity (%)	26.41	20.76	17.94	13.4	4.21	3.81	2.11	1.96	1.53	3.29	1.37	20.77	0.58	0.39	4.07
Total Debt/Capital (%)	26.01	20.06	16.87	13.37	4.48	3.95	2.32	1.9	1.51	3.1	1.22	13.14	0.42	0.28	2.6
Total Debt/Total Assets (%)	3.5	3.19	2.8	2.44	0.85	0.85	0.52	0.51	0.44	1.02	0.44	5.28	0.17	0.12	1.13
CFO/Total Liabilities	1.4	4.42	5.42	5.58	3.89	4.19	4.92	6.21	4.32	1.22	0.42	3.6	1.95	3.09	1.8
CFO/CapEx	9.04	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Altman's Z-Score	0.41	0.48	0.59	0.58	0.64	0.76	0.82	0.86	0.91	0.85	0.96	0.95	1.04	1.15	1.1

Working Capital (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover	0.76	0.54	0.7	0.77	0.79	0.85	0.91	0.93	1	0.91	0.96	0.96	1.1	1.12	1.14
Days Sales Outstanding	480.48	677.43	521.65	473.33	464.2	428.38	402.83	391.06	364.52	400.63	380.21	380.01	332.53	325.81	320.09
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	674	648	986	741	876	1,284	1,443	1,380	1,341	963	1,171	1,186	1,039	1,283	1,010
- Cash & Cash Equivalents	252	141	35	104	57	67	73	101	155	160	75	89	226	68	160
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	122	112	102	92	32	32	20	20	18	40	17	196	6	4	39
Enterprise Value	-1,309	-1,405	-1,292	-1,546	-1,438	-1,111	-1,078	-1,223	-1,282	-1,663	-1,241	-1,012	-1,151	-878	-156
Total Capital	469	558	605	688	715	810	863	1,051	1,177	1,288	1,356	1,492	1,391	1,478	1,493
Total Debt/Capital (%)	26.01	20.06	16.87	13.37	4.48	3.95	2.32	1.9	1.51	3.1	1.22	13.14	0.42	0.28	2.6
Total Debt / EV	-0.09	-0.08	-0.08	-0.06	-0.02	-0.03	-0.02	-0.02	-0.01	-0.02	-0.01	-0.19	-0.01	- -	-0.25
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.12	0.31	- -
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.95	3.53	- -
EV/Free Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.95	3.53	- -
Diluted Market Cap	677	652	1,011	754	889	1,306	1,468	1,398	1,359	972	1,184	1,194	1,045	1,291	1,016
Diluted Enterprise Value	547	624	1,078	742	864	1,271	1,415	1,317	1,221	852	1,125	1,301	825	1,227	895
EV per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	4	10.78	- -
TTM Sales	464	579	724	774	752	780	799	800	836	711	703	714	851	881	859
TTM EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	46	135	170	175	119	124	143	181	123	33	11	103	54	76	45
TTM Free Cash Flow to Firm	51	135	170	175	119	124	143	181	123	33	11	103	54	76	45

Multiples (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	14.38	4.97	6.07	4.39	7.64	10.63	10.32	7.76	11.09	29.46	109.58	11.96	21.15	16.89	22.72
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	-1,309	-1,405	-1,292	-1,546	-1,438	-1,111	-1,078	-1,223	-1,282	-1,663	-1,241	-1,012	-1,151	-878	-156
Low Price	10.73	15.89	20.57	18.81	20.62	22.58	35.6	38.35	39.31	25.53	30.2	32.58	35.43	38.38	35.73
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.12	0.31	- -
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	13.87	6.06	15.45	7.36	9.27	12.04	14.26	9.77	8.54	8.04	9.81	24.51	8.8	10.82	93.48
Price/Earnings Average	12.59	5.31	12.7	6.71	8.23	9.03	13.46	9.9	8.69	8.46	9.34	22.92	8.9	9.64	98.4
Price/Earnings High	16.1	6.11	16.06	9.89	9.63	12.08	16.2	11.16	9.7	11.21	10.39	26.55	10.3	11.5	113.23
Price/Earnings Low	8.23	4.68	10.04	5.89	7.01	6.86	11.43	8.93	8.04	6.37	7.16	18.51	7.91	8.11	77.37
Price/Book Value	1.94	1.45	1.96	1.24	1.28	1.65	1.71	1.34	1.16	0.77	0.87	0.92	0.75	0.87	0.69
Price/Book Value Average	1.76	1.27	1.61	1.13	1.14	1.24	1.62	1.36	1.18	0.81	0.83	0.86	0.76	0.78	0.73
Price/Book Value High	2.26	1.46	2.04	1.67	1.33	1.66	1.95	1.53	1.31	1.08	0.93	0.99	0.88	0.93	0.84
Price/Book Value Low	1.15	1.12	1.27	1	0.97	0.94	1.37	1.22	1.09	0.61	0.64	0.69	0.67	0.65	0.57
Price/Tangible Book Value	1.63	1.31	1.89	1.16	1.22	1.61	1.6	1.42	1.2	0.83	1.01	1.33	1.08	1.26	1.11
Price/Tangible Book Value Average	1.48	1.15	1.55	1.05	1.08	1.21	1.51	1.44	1.22	0.87	0.96	1.24	1.09	1.12	1.17
Price/Tangible Book Value High	1.89	1.33	1.96	1.55	1.27	1.62	1.81	1.62	1.37	1.15	1.07	1.44	1.26	1.34	1.35
Price/Tangible Book Value Low	0.97	1.02	1.23	0.92	0.92	0.92	1.28	1.29	1.13	0.66	0.73	1	0.97	0.94	0.92
Price/Sales	1.45	1.12	1.36	0.96	1.16	1.65	1.81	1.72	1.6	1.35	1.66	1.66	1.22	1.46	1.18
Price/Sales Average	1.32	0.98	1.12	0.87	1.03	1.24	1.7	1.75	1.63	1.42	1.59	1.55	1.24	1.3	1.24
Price/Sales High	1.69	1.13	1.42	1.29	1.21	1.65	2.05	1.97	1.82	1.89	1.76	1.8	1.43	1.55	1.42
Price/Sales Low	0.86	0.86	0.89	0.77	0.88	0.94	1.45	1.58	1.51	1.07	1.22	1.26	1.1	1.09	0.97
Price/Cash Flow	15.91	4.94	5.92	4.31	7.52	10.46	10.14	7.66	10.95	29.18	108.39	11.89	21.03	16.8	22.59
Price/Cash Flow Average	14.44	4.32	4.86	3.93	6.67	7.84	9.57	7.76	11.14	30.69	103.21	11.11	21.29	14.97	23.77
Price/Cash Flow High	18.47	4.97	6.15	5.8	7.81	10.5	11.52	8.75	12.44	40.7	114.78	12.88	24.62	17.85	27.36
Price/Cash Flow Low	9.44	3.81	3.85	3.45	5.68	5.96	8.13	7	10.31	23.14	79.1	8.98	18.91	12.58	18.69
Price/Free Cash Flow Average	13.05	4.35	4.99	4	6.77	7.97	9.74	7.86	11.28	31	104.35	11.18	21.41	15.05	23.92
Price/Free Cash Flow High	16.7	5.01	6.31	5.9	7.93	10.67	11.72	8.87	12.6	41.1	116.05	12.96	24.76	17.95	27.52
Price/Free Cash Flow Low	8.53	3.84	3.95	3.51	5.77	6.06	8.27	7.09	10.44	23.37	79.98	9.04	19.02	12.66	18.8
EV/Sales Average	1.04	0.93	1.21	0.86	1	1.19	1.64	1.65	1.47	1.25	1.5	1.7	0.98	1.23	1.1
EV/Sales High	1.41	1.08	1.51	1.27	1.18	1.61	1.98	1.87	1.66	1.72	1.68	1.95	1.17	1.48	1.28
EV/Sales Low	0.58	0.81	0.98	0.75	0.85	0.89	1.38	1.47	1.35	0.9	1.13	1.41	0.84	1.02	0.83
EV/EBITDA Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	18.09	20.58	31.65	23.51	27.3	39.6	44.4	41.97	41.75	32.19	41.38	43.13	39.4	51.23	43.17
High Price	21	20.74	32.9	31.6	28.35	39.75	50.45	47.97	47.45	44.9	43.82	46.73	46.12	54.44	52.29
Enterprise Value Average	482	539	877	664	752	928	1,309	1,317	1,227	892	1,056	1,216	831	1,079	942
Enterprise Value High	653	624	1,092	985	885	1,254	1,586	1,496	1,387	1,223	1,181	1,392	996	1,300	1,102
Enterprise Value Low	270	471	708	581	637	697	1,104	1,180	1,126	643	796	1,003	714	897	715

Shares Outstanding	33	31	31	31	32	32	33	33	31	29	28	27	25	25	20
Diluted Weighted Avg Shares	37	32	32	32	33	33	33	33	33	30	29	28	27	25	24
Basic Weighted Avg Shares	37	31	31	32	32	32	33	33	32	30	28	28	26	25	23
Revenue per Share	12.45	18.4	23.23	24.53	23.45	24.04	24.59	24.34	26.02	23.78	24.85	25.94	32.27	35.16	36.72
EBITDA per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	1.3	3.4	2.05	3.19	2.94	3.29	3.11	4.3	4.89	4.01	4.22	1.76	4.48	4.73	0.46
Basic EPS from Cont Ops	1.3	3.4	2.05	3.19	2.94	3.29	3.11	4.3	4.89	4.01	4.22	1.76	4.48	4.73	0.46
Diluted EPS, GAAP	1.3	3.37	2	3.14	2.9	3.24	3.06	4.24	4.83	3.97	4.17	1.75	4.45	4.71	0.46
Diluted EPS from Cont Ops	1.3	3.37	2	3.14	2.9	3.24	3.06	4.24	4.83	3.97	4.17	1.75	4.45	4.71	0.46
Dividend per Share	0.24	0.24	0.24	0.24	0.24	0.35	0.61	0.81	0.88	1.02	1.03	3.28	1.13	1.21	1.28
Cash Flow per Share	1.14	4.17	5.35	5.45	3.63	3.79	4.38	5.48	3.81	1.1	0.38	3.63	1.87	3.05	1.91
Free Cash Flow per Basic Share	1.01	4.17	5.35	5.45	3.63	3.79	4.38	5.48	3.81	1.1	0.38	3.63	1.87	3.05	1.91
Cash & Equivalents per Share	56.46	68.79	76.4	75.46	73.12	74.85	78.17	79.76	82.22	89.13	85.84	87.06	83.27	86.46	51.51
Book Value per Share	9.31	14.18	16.14	18.9	21.28	23.98	25.93	31.36	36.1	41.74	47.34	47.13	52.52	58.82	62.19
Tangible Book Value per Share	11.11	15.65	16.79	20.35	22.33	24.55	27.8	29.63	34.75	38.88	41.12	32.52	36.56	40.67	38.74

Employers Holdings, Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)