Profitability
Weight: 25%
C-
50
Scored using loss ratio — insurer-archetype substitution.
- Loss Ratio 76.4%
- Loss Ratio Trend -20.60 pp/yr
EIG
Employers Holdings, Inc.
AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.
Capital Efficiency
Weight: 15%
B-
66
- 5yr Avg ROE 7.8%
- 5yr Share-Count CAGR -4.4%
Growth Quality
Weight: 10%
B
70
Scored using premium growth cross-checked against loss-ratio trend — insurer-archetype substitution.
- 5yr Premium CAGR 4.4%
- Loss Ratio Trend (growth quality check) -20.60 pp/yr
- Revenue-Growth Years (5) 3/5
Cash Generation
Weight: 15%
C+
60
Scored using reserve development and loss-ratio stability — insurer-archetype substitution.
- Reserve Development 5.2%
- Loss Ratio Stability (σ) 5.13
Balance Sheet
Weight: 25%
A
92
Scored using premiums-to-surplus — insurer-archetype substitution.
- Premiums / Surplus 0.80x
- Interest Coverage (EBIT/Int) 25.00x
Stability
Weight: 10%
C
52
- EPS Volatility (σ/μ) 0.39
- Negative-Revenue Years (5) 2/5
- Piotroski F-Score 5
Guru Flow
Curated superinvestor sentiment — not part of the AlphaQuality grade.2 of 2 gurus held; 1 added; 1 trimmed.
- Holders
- 2 +1
- Avg Δ position
- -14.0%
- New buys
- 0
- Full exits
- 0