Employers Holdings, Inc. (EIG) Fair Value 2026

EIG · Insurance - Specialty ·

By CirclFi Research Team · Data from SEC EDGAR, FRED & GDELT

Quality Score

7.5 /10

32 fundamental signals · 6 models active

Value Trap Risk

LOW (32/100)

Quick Summary — As of 2026-08-28, Employers Holdings, Inc. (EIG) trades at $49.17, versus a $33.99 median fair value across its 6 active models — 30.9% below the current price. QOC: 7.5/10. Value Trap Risk: 32/100 (LOW). 6/13 models active.

Key Facts

Ticker
EIG
Price
$49.17
Quality Score
7.5/10
Value Trap Risk
32/100
Models Active
6/13
Last Updated
Strength: Earnings Power Value suggests +9.0% upside with 71% confidence
Risk: Majority of models suggest overvaluation

Is Employers Holdings, Inc. (EIG) Undervalued or Overvalued in 2026?

According to CirclFi’s 6-model valuation engine, Employers Holdings, Inc. (EIG) appears overvalued as of : the median of 6 independent fair value estimates is $33.99, 30.9% below the current price of $49.17. Estimates range from $2.02 to $53.60. EIG scores 7.5/10 on fundamental quality and 32/100 on value-trap risk.

For context, the median US equity CirclFi rates trades at an implied -23.4% versus its own 13-model consensus, across 3,809 rated companies as of 2026-08-28. EIG’s -30.9% gap is wider than that market norm, and the Insurance - Specialty sector median is +10.3%. Full market index →

This verdict compares price to intrinsic value only — it is not a buy or sell rating. For the decision case (bull vs bear arguments, risk factors, peers), read Should You Buy Employers Holdings, Inc. Stock in 2026? →

What Fair Value Does Each Model Give EIG?

6 Intrinsic Value Models vs. Current Price ($49.17)

Core Models (Unlocked)
Model Fair Value Upside
Intrinsic · High Conviction
 $53.60 +9.0%
Ensemble · Low Conviction
 $36.10 -26.6%
Intrinsic · High Conviction
 $46.84 -4.7%
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What Is EIG's Fair Value Range?

Spread across 6 independent models · $2.02 to $53.60

CirclFi's 6 active models place Employers Holdings, Inc. (EIG) between $2.02 and $53.60 per share, a spread of 152% of the median. The median of that range — $33.99 — is the fair value CirclFi publishes for EIG, against a current price of $49.17.

Low · ML-RIVHigh · EPV
$2.02median $33.99$53.60
Where the range comes from
Most bearish modelML Residual Income$2.02
Most bullish modelEarnings Power Value (EPV)$53.60
Model agreement1 bullish · 4 bearishwide

A band this wide is itself the finding. When independent methods land far apart, they are reading a business whose value depends heavily on which lens you apply — volatile earnings, heavy reinvestment, or an asset base that cash-flow and asset-based methods score differently. That disagreement is information: it says the choice of method matters more than usual for EIG. Treat the median as one reading among several and compare the individual models below before acting.

Every figure above is one model's standalone output on EIG, not a CirclFi price target. How each model works →

What Is Employers Holdings, Inc. (EIG) Worth in 2026?

According to the CirclFi Deep Alpha Valuation Engine, the balance of valuation evidence tilts cautious on Employers Holdings, Inc. at its current price of $49.17. The median intrinsic value is estimated at $33.99 (-30.9% vs price), with 4 models flagging overvaluation risk. The most optimistic model, EPV, places fair value at $53.60 (+9.0%), while ML-RIV — the most conservative — estimates $2.02 (-95.9%). This +104.9% gap reflects genuine analytical uncertainty about Employers Holdings, Inc.'s intrinsic worth. Among models with highest confidence, EPV lean bullish — adding weight to the bullish side of the thesis.

What Do the Models Say About EIG?

6 of 13 models are currently active for EIG. Of these, 1 model suggests upside while 5 models suggest overvaluation. Taken together, their median fair value for EIG is $33.99 — the figure CirclFi publishes as this stock's fair value. See which stocks rank higher →

How Does EIG Rank in Insurance - Specialty?

Among 17 Insurance - Specialty stocks, EIG ranks #13 by Quality of Company score. CirclFi's QOC score of 7.5/10 evaluates 32 fundamental signals. A score of 7.5 indicates above-average quality.

Within the Insurance - Specialty space, Employers Holdings, Inc. competes in an environment where policy retention rate often separates market leaders from laggards. Understanding these industry-specific dynamics is essential context for interpreting our model outputs.

Is EIG a Value Trap?

CirclFi's Value Trap algorithm assigns EIG a score of 32/100 (LOW). This indicates low risk. The financial profile does not exhibit typical value trap warning signs. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →

Multi-Model Methodology

6 of 13 models are active for Employers Holdings, Inc.. Moderate coverage provides meaningful perspective. Each model applies a fundamentally different valuation philosophy. See the complete methodology →

According to the CirclFi 32-factor quality framework, Employers Holdings, Inc.'s fundamental quality profile registers 7.5/10. This respectable score captures the company's profitability depth, growth consistency, balance sheet resilience, and shareholder return track record.

The gap between the most bullish and bearish model spans +104.9% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →

Data Sources & Confidence

Every EIG valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →

Across EIG's 6 active models, average confidence is 45%. Lower confidence may reflect limited history or high volatility.

CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →

This analysis is produced by the CirclFi Valuation Engine using quantitative models applied to SEC EDGAR filings, public market feeds, and FRED macroeconomic indicators. It is not financial advice.

Read the full investment analysis: Should You Buy Employers Holdings, Inc. Stock in 2026? →

Bull case, bear case, risk factors & peer comparison — updated daily

Which Similar Insurance - Specialty Stocks Should You Also Analyze?

11 related Insurance - Specialty stocks with 13-model coverage

RDNRadian Group Inc.QOC 7.6STLYHG Holdings, Inc.QOC 7.0AGOAssured Guaranty Ltd.QOC 7.8JRVRJames River Group Holdings, Inc.QOC 6.9RYANRyan Specialty Holdings, Inc.QOC 7.8OSGOctave Specialty Group, Inc.QOC 6.0MBIMBIA Inc.QOC 5.8MTGMGIC Investment CorporationQOC 8.5FNFFidelity National Financial, Inc.QOC 7.9NMIHNMI Holdings, Inc.QOC 9.3ESNTEssent Group Ltd.QOC 9.1

Read investment analysis: RDN · STLY · AGO · JRVR · RYAN · OSG · MBI · MTG · FNF · NMIH · ESNT

Which Other Stocks Have a Similar Quality Score to EIG?

7 companies across all industries closest to EIG’s Quality of Company score of 7.5/10.

CBNAChain Bridge Bancorp, Inc.QOC 7.5DLNGDynagas LNG Partners LPQOC 7.5FHNFirst Horizon CorporationQOC 7.5INTRInter & Co, Inc.QOC 7.5CARRCarrier Global CorporationQOC 7.5KYIVKyivstar Group Ltd.QOC 7.5NVDANVIDIA CorporationQOC 10.0

Read investment analysis: CBNA · DLNG · FHN · INTR · CARR · KYIV · NVDA

What Else Do Investors Ask About Employers Holdings, Inc.’s Valuation?

What is Employers Holdings, Inc.'s intrinsic value in 2026?

CirclFi puts Employers Holdings, Inc. (EIG)'s intrinsic value at $33.99 — the median of 6 independent model estimates as of 2026-08-28, ranging from $2.02 to $53.60. The Quality of Company score is 7.5/10 across 32 fundamental signals. All models use SEC EDGAR filings updated daily. See our methodology page for how each model works.

Is EIG overvalued or undervalued right now?

At $49.17, 1 of 6 active models suggest EIG may be undervalued, while 5 indicate potential overvaluation. The median of all 6 fair value estimates is $33.99, 30.9% below the current price of $49.17 — a consensus view that EIG is overvalued. The assessment depends on which methodology best fits Employers Holdings, Inc.'s business model in Insurance - Specialty.

What does a Quality of Company score of 7.5 mean for EIG?

Employers Holdings, Inc.'s QOC of 7.5/10 reflects 32 fundamental signals: profitability margins, revenue growth consistency, balance sheet leverage, free cash flow generation, and capital allocation efficiency. Scores above 7 indicate strong fundamentals and disciplined management.

How many valuation models does CirclFi run on EIG?

CirclFi analyzes EIG with 13 institutional-grade models daily: Bayesian DCF (Monte Carlo + jump-diffusion), EPV (Greenwald zero-growth), EROIC Spread (McKinsey reinvestment), First Chicago (3-scenario), Markov DDM (regime-switching), ML-RIV (machine learning residual income), Dynamic NAV (asset-based), PWERM (option-theoretic), Regime Cross-Sectional (relative), Sentiment SOTP (hybrid), CUCE Ensemble (meta-model), FTNN Topology (neural network), and RCMH-DCF (conditional regime). Currently 6 of 13 are active for this stock. Read the full methodology →

Which valuation models are most bullish and most bearish on EIG?

Of the 6 models currently active on EIG, Earnings Power Value (EPV) is the most bullish at $53.60 per share, and ML Residual Income is the most bearish at $2.02. CirclFi's published fair value for EIG is the median of that range, $33.99, not either extreme. The gap between the two ends equals 152% of the median — a wide spread, meaning the methods genuinely disagree and the median should carry less weight. Browse stocks by value-trap risk →

Is EIG a value trap in 2026?

Employers Holdings, Inc.'s Value Trap score is 32/100 (LOW). This low score indicates the current valuation is not artificially depressed by fundamental deterioration, suggesting genuine opportunity rather than a trap.

Cite this analysis — “According to CirclFi’s 6-model valuation engine, Employers Holdings, Inc. (EIG) has a median fair value of $33.99 — 30.9% below the current price of $49.17 — as of 2026-08-28.” Source: circlfi.com/stock/EIG/ · Methodology
Primary sources for this EIG valuation
  • Financial statements: Employers Holdings, Inc. 10-K and 10-Q filings on SEC EDGAR (CIK 0001379041) — 700+ standardized XBRL tags, published by the U.S. Securities and Exchange Commission.
  • Discount-rate inputs: FRED, Federal Reserve Bank of St. Louis — risk-free rates, VIX, yield curve, inflation.
  • News sentiment: The GDELT Project — global media tone, input to the Sentiment SOTP model.
  • Model definitions: CirclFi methodology — the published specification for all 13 models, including the academic sources each one implements.

Market data for EIG as of ; valuations recomputed .

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