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ROOT (60) DGICB (71) DGICA (64) HIPO (60) ⌘ Pro Terminal β†’

Employers Holdings Inc (EIG) Options Positioning, Max Pain & Unusual Sweeps

$46.17 +3.13% NYSE β€’ Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $46.34

Employers Holdings Inc (EIG) carries a Roarable Rating of D (Sell) with 48/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

ROARABLE D β€’ SELL / AVOID Cap $809.7M
πŸ“€ Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
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πŸ€– Mara Quenwick β€’ AI Quant Lead (Click for Instant Brief) Is EIG stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
β–Ό

As of 2026-11-03, Employers Holdings Inc (NYSE: EIG) is rated D (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 48/100 at a spot price of $46.17 (+3.13% 1D, market cap $809.7M). Pillar breakdown: Fundamental Cash Engine 12/20, Institutional 13F & Options Flow 6/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 8/20, and Executive Insider Alignment 9/20. Across 1097 tracked Financials issuers, EIG ranks #692 in composite RQD confidence.

βœ“ Pre-computed one-to-many AI Quant brief
πŸ€– Ellis Vennor β€’ AI Peer & Flow Quant (Click for Instant Brief) How does EIG compare to ROOT and DGICB in the Financials sector?
β–Ό

Within the Financials sector (Property-Casualty Insurers), EIG carries a Roarable D (48/100 RQD), trailing P/E of 81.6x, gross margin of β€”, and ROIC of 1.1%. By comparison, ROOT (Root Inc. (Class A)) holds a C- grade (60/100 RQD, P/E 20.8x, ROIC 85.0%, cap $801.5M) and DGICB (Donegal Group Inc. (Class B)) posts a B- grade (71/100 RQD, P/E 11.1x, ROIC 12.4%, cap $848.9M). Among the 5-stock peer group, DGICA leads on earnings multiple (8.8x) while ROOT leads on capital efficiency (85.0% ROIC).

βœ“ Pre-computed one-to-many AI Quant brief
πŸ€– Gideon Ashmere β€’ AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for EIG?
β–Ό

Per EIG's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001379041), Employers Holdings Inc generated $858.7M in revenue (-2.5% YoY), $10.8M in net income, and $44.6M in free cash flow against $3.44B in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately. Institutional options positioning shows a 50% call / 50% put premium split.

βœ“ Pre-computed one-to-many AI Quant brief
πŸ€– AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists β€” not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
πŸ›‘οΈ Portfolio Crash X-Ray
EXT / AFTER-HRS: $46.34 (+0.37%)🧬 Disciplined Float (-0.40% YoY Shares)βš™οΈ Cash Engine: 12/20 (C-) β€’ 5.2% FCF Margin
Verify 90D Bucket Audit β†’
πŸ“Š Historical Track Record Warning: Scores below 50 (48/100 Β· D) historically underperformed SPY in 71% of rolling 90-day windows (-5.6% avg 90D alpha vs SPY β€’ 29.0% hit rate).
Audit Bucket Track Record β†’
RQD QUANT TACHOMETERSELL / AVOID β€’ D
025507510048
Quant Analyst Panel Split (Battleground)
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) β€” not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR RQD RADARRw D Β· Rk D+
Cash (12)Whales (6)SEC (13)Macro (8)CEO (9)
Each axis scored 0–20
12M PRICE TARGET CONE-4.5% Base Target
$56 Bull$44 Base$34 Bear
πŸ“¬ FREE EIG RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: β€” (No Active Options Snapshot on file for EIG)Realized 20D OHLCV Swing Band: Β±7.3%
Deterministic 5-Pillar Attribution (48/100 Composite)
πŸ” WHY EIG SCORES 48/100 (D) β€” TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
β–² #1 Bullish Driver: SEC 10-K Forensic Risk+13/20 pts (27% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) β€’ Piotroski F-Score 4/9

β–² #2 Bullish Driver: Cash Engine Quality+12/20 pts (25% of score)

SEC XBRL FY 2025 (10-K): 5.2% FCF Margin ($44.6M FCF) & 52% Gross Margin

β–Ό #1 Drag / Risk Factor: Whale & Options Positioning6/20 pts (-14 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-14 pts vs max)

πŸ“ˆ PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 β†’ Q2 β†’ Q3 β†’ Current
Q1 (-3Q)
56
Grade C$49.99+3.4% Next Q
Q2 (-2Q)
53
Grade C-$51.70-0.6% Next Q
Q3 (-1Q)
51
Grade C-$51.41-10.2% Next Q
Current
48
Grade D$46.17-5.6% Hist 90D Ξ±
Trajectory: C (56) β†’ D (48)Full Audit β†’
βš”οΈ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)CONTRARIAN TURNAROUND & SHORT-SQUEEZE DOSSIER

βš”οΈ Adversarial Opposing Case: What Could Spark a EIG Turnaround Squeeze

Gideon Ashmere Forensic Desk β†’

While EIG currently carries a cautious 48/100 (D) rating due to Whale & Options Positioning (6/20), shorts face asymmetric squeeze risk if free cash flow inflects or management executes accretive buybacks.

πŸš€ Contrarian Squeeze Trigger #1

Established market leader in Financials with deep daily trading liquidity.

πŸš€ Contrarian Squeeze Trigger #2

Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($49.33) and Max Pain ($48.48) forces dealer call-delta covering toward $56.19.

πŸš€ Contrarian Squeeze Trigger #3

Forensic Repair Trigger: Halting share dilution (Disciplined Float (-0.40% YoY Shares)) or retiring high-cost debt immediately upgrades the SEC 10-K Forensic pillar.

🎲 LIVE PREDICTION MARKET ODDS TIED TO $EIGβ€’ $2.4M Crowd Pool β€’ Kalshi / Polymarket Composite
Contract: β€œEIG Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 48%NO 52%Trade / Inspect Odds β†’
CALL VS. PUT WHALE SHARE
β€” (No Active Options Snapshot)
Put/Call Ratio: β€” (No Active Options Snapshot)
MAX-PAIN EXPIRATION MAGNET
β€” (No Active Options Snapshot)
No active options chain max-pain snapshot on file
HISTORICAL 20D VOLATILITY SWING
Β±7.3%
Derived from 20D OHLCV bars (No Active Options Snapshot)

Active Strike Call vs. Put Concentration Ladder (EIG)

β€” (No Active Options Snapshot) β€” No unusual CBOE strike concentration anomalies recorded in the current database snapshot for EIG.

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Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring EIG)

  • βœ“Walkthrough of EIG's RQD Radar, SEC cash-conversion gap & downside invalidation levels
  • βœ“3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
  • βœ“Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks
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EIG // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +10.69%πŸ“ HORIZONTAL RANGE
2026-11-04O $44.77H $46.17L $44.77C $46.17VOL 299.4K
RES: $53.63SUP: $44.52SMA50: $49.33SMA200: $45.88
$54.41$50.69$46.96$43.24$39.51RES $53.63SUP $44.52$46.172026-05-052026-06-182026-08-052026-09-212026-11-04
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

EIG Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

πŸ¦‹ EIG Butterfly Map β†’ + Track EIG β†’
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
48.0%/yr Implied 5Y Growth

vs. -2.5% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on EIG today. View full Setup Ledger β†’

πŸ¦‹ Documented & Second-Order Butterfly Connections Open Graph β†’

No direct multi-tier Butterfly edges indexed yet for EIG. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for EIG today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk β†’
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT β€’ SEC EDGAR XBRL Γ— RQD PEER BENCHMARK

πŸ“Š Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (EIG)

Financials Rank #692 of 1097 βš”οΈ ROOT vs EIG Full Matrix β†’

1. Head-to-Head Financials Peer Comparison (EIG vs. ROOT, DGICB, DGICA, HIPO)

Industry: Property-Casualty Insurers (68 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, Employers Holdings Inc (EIG) ranks #692 by composite RQD confidence (48/100, grade D) and #598 by equity capitalization ($809.7M). Within this direct 5-issuer industry benchmark cohort, DGICA leads on earnings valuation at 8.8x trailing P/E, while ROOT leads on capital efficiency and profitability with 85.0% ROIC and β€” gross margin. DGICB currently holds the highest overall quantitative score in the immediate peer group at 71/100 (B-) compared with EIG at 48/100 (D).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
EIG ACTIVE
Employers Holdings Inc
D 48/100 81.6x β€” 1.1% +3.13% $809.7M Benchmark Subject
ROOT
Root Inc. (Class A)
C- 60/100 20.8x β€” 85.0% -0.06% $801.5M /root-vs-eig β†’
DGICB
Donegal Group Inc. (Class B)
B- 71/100 11.1x β€” 12.4% -7.84% $848.9M /dgicb-vs-eig β†’
DGICA
Donegal Group Inc. (Class A)
C 64/100 8.8x β€” 12.4% +1.20% $696.0M /dgica-vs-eig β†’
HIPO
Hippo Holdings Inc.
C- 60/100 15.7x β€” 14.4% -2.54% $950.4M /hipo-vs-eig β†’

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K β€’ FILED 2025-12-31 β€’ CIK 0001379041 β†—

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Employers Holdings Inc (EIG) reported GAAP revenue of $858.7M (-2.5% vs. FY2024 revenue of $880.7M , and +0.9% cumulative change since FY2023) , GAAP net income of $10.8M, operating cash flow of $44.7M, and free cash flow of $44.6M (-41.5% YoY). On the balance sheet, EIG closed FY2025 with $3.44B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 4/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-12-31 $858.7M $10.8M $44.7M $44.6M $3.44B β€”
FY2024 (FY) 2024-12-31 $880.7M $118.6M $76.4M $76.3M $3.54B β€”
FY2023 (FY) 2023-12-31 $850.9M $118.1M $49.4M $49.4M β€” β€”

3. EIG Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

βœ“ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is EIG stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, Employers Holdings Inc (NYSE: EIG) is rated D (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 48/100 at a spot price of $46.17 (+3.13% 1D, market cap $809.7M). Pillar breakdown: Fundamental Cash Engine 12/20, Institutional 13F & Options Flow 6/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 8/20, and Executive Insider Alignment 9/20. Across 1097 tracked Financials issuers, EIG ranks #692 in composite RQD confidence.

How does EIG compare to ROOT and DGICB in the Financials sector?

Within the Financials sector (Property-Casualty Insurers), EIG carries a Roarable D (48/100 RQD), trailing P/E of 81.6x, gross margin of β€”, and ROIC of 1.1%. By comparison, ROOT (Root Inc. (Class A)) holds a C- grade (60/100 RQD, P/E 20.8x, ROIC 85.0%, cap $801.5M) and DGICB (Donegal Group Inc. (Class B)) posts a B- grade (71/100 RQD, P/E 11.1x, ROIC 12.4%, cap $848.9M). Among the 5-stock peer group, DGICA leads on earnings multiple (8.8x) while ROOT leads on capital efficiency (85.0% ROIC).

What are the biggest fundamental strengths and SEC risk factors for EIG?

Per EIG's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001379041), Employers Holdings Inc generated $858.7M in revenue (-2.5% YoY), $10.8M in net income, and $44.6M in free cash flow against $3.44B in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately. Institutional options positioning shows a 50% call / 50% put premium split.

Where is EIG trading relative to its 50-day, 200-day, and 52-week technical levels?

EIG last traded at $46.17 (+3.13% on volume of 299,432 shares), positioning the stock -6.41% below its 50-day simple moving average ($49.33) and +0.63% above its 200-day simple moving average ($45.88). Across its 52-week range of $36.00 to $53.51, EIG sits at the 58.1% percentile with a 14-day RSI of 40.7 (NEUTRAL RANGE) and an implied next-earnings move of Β±7.3% ($42.80 to $49.54).

Direct Sub-Reports: EIG RQD Cockpit EIG 12M Forecast EIG Earnings & Move EIG Dividends & DRIP EIG Insiders & 13F EIG Whale Options EIG Profit Sankey EIG News & Why
ROARABLE RATING BRIEF β€’ RQD 48/100 (D) βœ“ SEC XBRL & RQD VERIFIED

EIG β€” Employers Holdings Inc: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

Employers Holdings Inc (EIG) earns a live Roarable RQD composite score of 48/100, corresponding to a D letter grade (Roarable Sell) at a spot price of $46.17 (+3.13% 1D, market capitalization $809.7M).

  • Fundamental Cash Engine (12/20): Anchored by return on invested capital (ROIC) of 1.1%, gross margin of β€”, operating margin of β€”, and free cash flow yield of 5.06%.
  • Whale 13F & Options Flow (6/20) + Insider Conviction (9/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (8/20) + Forensic Balance Sheet (13/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 4/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

Employers Holdings Inc (EIG) is a NYSE-listed issuer in the Financials sector, operating within the Property-Casualty Insurers industry. Its market capitalization is $0.9B..

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), Employers Holdings Inc (EIG) reported $858.7M in annual revenue (up from $880.7M in FY2024, -2.5% YoY) and $10.8M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($850.9M revenue, $118.1M net income) through FY2025, EIG scaled operating cash flow to $44.7M and free cash flow to $44.6M, backed by $3.44B in total assets against $0 in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • πŸ‚ Primary Bull Case (D β€’ RQD 48/100): Established market leader in Financials with deep daily trading liquidity. Free cash flow yield of 5.06% and institutional whale pillar of 6/20. With Fundamental Cash Engine at 12/20 and Institutional Whale Flow at 6/20, sustained execution supports upside toward the upper end of the $36.00 – $53.51 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Company executives have done more routine share selling than personal cash buying lately. Investors must weigh 81.6x trailing P/E against β€” operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

No upstream or downstream dependencies, sector correlations, or proprietary signal links are identified for EIG.

  • Key Question #1: Can EIG sustain or expand its β€” operating margin and 1.1% ROIC against Property-Casualty Insurers peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $858.7M and free cash flow of $44.6M, how will capital allocation balance growth reinvestment against $0 in total debt?
  • Key Question #3: How sensitive is EIG's 75.9x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

EIG Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Employers Holdings Inc (EIG) β€’ Click "Debate This Headline" to argue it in the Roar Pit below

πŸ’¬ Jump to EIG Debate Forum (3) ↓
πŸ”₯ THE ROAR PIT β€’ LIVE COMMUNITY DEBATE 3 Active Posts & Replies

EIG Bull vs. Bear Conversation Board β€” What's Your Call at $46.17?

πŸ‚ 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON EIG 🐻 33% BEARISH CONVICTION
1. Pick Your Side on EIG:
πŸ’‘ Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
MA MacroHawk_NYC RQD DEBATE OPENER β€’ Cross-Asset Macro Desk πŸ‚ BULLISH 🎯 Target: $55.96 (+25.0%)
πŸ“Œ Pinned Debate

Balance sheet is the strongest pillar at 13/20, with a 5.06% FCF yield and 0.5 Debt/Equity.

Don't sleep on EIG's setup in Financials. Balance sheet is the strongest pillar at 13/20, with a 5.06% FCF yield and 0.5 Debt/Equity.. Beta of 1.0 means it moves fast when momentum turns, and the 5-pillar RQD gauge (48/100) backs up the fundamental quality.

RetailWhale_TX πŸ‚ BULL

@CreditSpread_Watch Shorting a 6/20 institutional whale-flow stock at $44.77 is dangerous when funds are rotating into Financials.

CR CreditSpread_Watch RQD DEBATE OPENER β€’ Balance Sheet Analyst 🐻 BEARISH 🎯 Target: $37.61 (-16.0%)
Spot @ $44.77

ROIC of 1.1% and a trailing P/E of 81.6 on EPS of 0.6 leave the stock priced far above its earnings power.

I respect the product at Employers Holdings Inc, but the stock at $44.77 is a different story. ROIC of 1.1% and a trailing P/E of 81.6 on EPS of 0.6 leave the stock priced far above its earnings power.. FCF yield is 5.06% and RQD sits at 48/100 (D) β€” why pay up here when you can wait for next quarter's numbers?

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