Employers Holdings, Inc.EIG

時価総額

$10.3億

PER

労働者災害補償保険の有力企業。大手給与処理会社経由の販売や自社直販ブランド、API連携のデジタルチャネルを展開。大手給与処理会社が2024年12月31日時点でインフォース保険料の17.2%を生成。米国中心、2024年12月31日時点でインフォース保険料の45%をカリフォルニアで占有。

概要財務

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	2011年 12月31日	2012年 12月31日	2013年 12月31日	2014年 12月31日	2015年 12月31日	2016年 12月31日	2017年 12月31日	2018年 12月31日	2019年 12月31日	2020年 12月31日	2021年 12月31日	2022年 12月31日	2023年 12月31日	2024年 12月31日
Net income	48	107	64	101	94	107	101	141	157	120	119	48	118	119
Depreciation	-	-	-	-	-	-	-	-	-	-	-	-	-	4
Stock-based compensation	4	6	6	6	5	6	7	9	10	10	9	5	6	6
Capitalized Computer Software, Amortization	-	-	-	-	-	-	-	-	5	9	14	16	17	13
Amortization of discounts and premiums on investments, net	-7	-7	-9	-11	-13	-15	-14	-8	-9	-10	-8	-3	-2	1
Allowance for expected credit losses	-2	0	-	-	4	-2	0	-3	-2	7	-0	3	5	1
Deferred income tax (benefit) expense	-	-	-	-	-	-	-	-	-6	13	-7	17	-5	-4
Net realized and unrealized (gains) losses on investments	20	5	10	16	-11	11	7	-13	51	19	55	-52	23	24
Asset Impairment Charges	-	-	-	-	-	-	-	-	-	-	-	-	4	-
Gain (Loss) on Termination of Lease	-	-	-	-	-	-	-	-	-	-	-	-	1	-
Premiums receivable	48	63	57	18	10	1	22	3	-49	-47	12	64	59	3
Reinsurance recoverable on paid and unpaid losses	-19	-137	-64	-71	-44	-47	-44	-33	-20	-35	-20	-32	-17	-16
Cloud computing arrangements	-	-	-	-	-	-	-	-26	-13	-26	-8	-15	-3	-2
Operating lease right-of-use-assets	-	-	-	-	-	-	-	-	-16	-2	3	3	6	1
Current federal income taxes	2	0	-4	7	-4	8	-3	9	-7	22	-8	9	-7	-8
Unpaid losses and loss adjustment expenses	-	-	-	-	22	47	-35	-58	-63	-123	-88	-20	-76	-76
Unearned premiums	45	70	39	7	-2	1	8	18	1	-38	6	35	40	23
Accounts payable, accrued expenses and other liabilities	-4	3	-1	10	9	-4	-7	19	-7	-4	-2	7	4	3
Deferred reinsurance gain–LPT Agreement	17	85	32	42	18	15	11	14	13	12	11	8	7	5
Contingent commission receivable–LPT Agreement	-	-15	-6	-1	-3	-2	-0	-	19	-0	-0	-	-0	14
Operating lease liabilities	-	-	-	-	-	-	-	-	18	2	-3	-3	-7	-2
Non-cancellable obligations	-	-	-	-	-	-	-	-16	-4	-1	2	-4	9	3
Other	-6	-16	2	11	7	1	-15	3	12	1	-6	-5	-10	3
Net cash provided by operating activities	43	132	164	169	116	123	142	180	123	33	11	100	49	76
Purchases of fixed maturity securities	237	455	514	378	477	467	592	637	359	646	517	611	416	722
Purchases of equity securities	-	-	-	-	-	-	-	-	-	-	200	125	40	61
Purchases of short-term investments	-	-	-	-	-	10	8	60	-	136	13	133	69	40
Purchases of other invested assets	-	-	-	-	-	-	-	-	28	8	17	20	28	8
Proceeds from sale of fixed maturity securities	317	140	52	48	105	132	250	205	163	350	207	314	558	343
Proceeds from sale of equity securities	-	-	-	-	-	-	-	-	-	-	136	216	53	45
Proceeds from maturities and redemptions of fixed maturity securities	127	149	207	251	324	231	216	329	310	359	374	195	163	215
Proceeds from maturities of short-term investments	-	-	-	-	-	-	20	39	25	111	28	24	157	73
Net change in unsettled investment purchases and sales	-	-	-	-	-	-	6	22	-25	-4	3	-3	2	2
Capital expenditures and other	5	5	4	9	12	5	8	10	12	6	4	3	2	5
Payments to Acquire Businesses, Net of Cash Acquired	-	-	-	-	-	-	-	-	16	-	-	-	-	-
Net cash (used in) provided by investing activities	199	-185	-259	-85	-101	-89	-110	-120	49	84	-2	-146	377	-160
Acquisition of common stock and excise tax payments	92	42	-	-	-	21	-	4	68	99	43	30	76	43
Cash transactions related to stock-based compensation	-1	-1	-6	-2	-5	-9	-4	2	3	2	3	1	1	2
Dividends paid to stockholders	9	8	7	8	8	12	20	27	29	31	29	90	30	30
Proceeds from FHLB advances	-	-	-	-	-	-	-	-	-	35	-	183	-	-
Repayments of Notes Payable	10	10	10	10	61	-	-	-	-	15	20	-	183	-
Proceeds from Lines of Credit	-	-	-	-	-	-	-	-	-	-	27	10	-	-
Repayments of line of credit advances	-	-	-	-	-	-	10	-	20	-	27	10	-	-
Payments on finance leases	-	-	-	-	-	-	-	-	-	-	0	0	0	0
Net cash used in financing activities	-110	-58	-11	-15	-62	-24	-26	-33	-119	-112	-94	60	-289	-75
Net (decrease) increase in cash, cash equivalents, and restricted cash	-	-	-	-	-	-	-	28	53	5	-85	14	137	-158
Income Taxes Paid, Net	-	-	4	-1	13	-	-	-	-	-	-	-	30	31
Income Taxes Paid	-3	2	-	-	-	-	-	-	-	-	-	-	2	1
Cash paid for interest	-	-	-	-	-	-	-	-	-	-	-	-	6	0
Financed property and equipment purchases	-	3	4	2	0	1	0	0	1	0	0	0	-	0
Conversion of Stock, Amount Converted	-	-	-	-	-	-	-	-	-	-	20	-	-	-