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Employers Holdings (EIG) investor relations material
Employers Holdings Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
Executive summary
Gross premiums written declined 2.2% year-over-year to $203.3M, while net premiums earned increased 5.6% to $198.3M, driven by strong prior-year growth and a record 4.6% increase in policies in force.
Net income and adjusted net income fell sharply year-over-year, mainly due to higher loss and LAE ratios from a surge in California cumulative trauma (CT) claims.
Focus on profitability led to targeted underwriting and improved risk selection, impacting growth in certain classes and jurisdictions.
Returned $31.4M to shareholders in Q2 via dividends and share repurchases.
Record 134,421 policies in force as of June 30, 2025, up 5% year-over-year.
Financial highlights
Combined ratio rose to 105.6% for Q2 2025, up from 94.2% in 2024, driven by higher loss ratios.
Loss and LAE ratio increased to 70.7% for Q2, reflecting unfavorable loss trends, especially in California.
Commission expense ratio improved to 13.2% from 13.9%; underwriting expense ratio improved to 21.7% from 22.4%.
Net investment income was $27.1M, up slightly year-over-year; net realized/unrealized gains reached $20.9M.
Book value per share (including deferred gain) increased 12.8% to $49.44; adjusted book value per share rose 8.2% to $51.68.
Outlook and guidance
Management expects continued pressure on loss ratios due to CT claims in California and inflationary trends.
Full actuarial study planned for Q3 to address CT claim trends.
Focus remains on disciplined underwriting, expense control, and technology investments to support long-term profitability.
Liquidity and capital resources remain strong, with no anticipated need to suspend dividends or seek additional capital.
Cautiously optimistic about maintaining a strong customer base despite headwinds from medical cost inflation and regulatory changes.
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