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EMPLOYERS HLDGS   FYE=12 (December)

Annual - Income Statement - Standardized

Fiscal period2018201720162015201420132012201120102009
Period End Date12/31/201812/31/201712/31/201612/31/201512/31/201412/31/201312/31/201212/31/201112/31/201012/31/2009
  Gross Premiums Written731.10716.50694.80690.40684.50642.30501.46371.90330.97415.91
  Less Increase In Unearned Premiums--------------------
  Less Reinsurance Ceded--------------8.479.1811.66
  Net Premiums Earned731.10716.50694.80690.40684.50642.30501.46363.42321.79404.25
 Policy Revenues and Benefits--------------------
 Realized Investment Gains/Income (Losses)(13.10)7.4011.20(10.70)16.309.505.0520.1610.140.79
 Interest and Dividend Income--------------------
 Investment Income - Net of Related Expenses81.2074.6073.2072.2072.4070.8072.3680.1283.0390.48
 Commissions, Asset Management & Investment Advisory Fees--------------------
 Other Revenues1.202.900.600.200.300.900.310.450.650.41
 Total Revenues800.40801.40779.80752.10773.50723.50579.18464.15415.60495.94
 Benefits to Policyholders and Claims--------------------
 Loss and Loss Expenses376.70417.20417.90429.40453.40463.60287.91262.51193.30214.46
 Less Reinsurance Recoverable--------------------
 Underwriting Losses - Total376.70417.20417.90429.40453.40463.60287.91262.51193.30214.46
 Interest Credited to Contractholders Funds--------------------
 Policy Acquisition/Underwriting Costs252.70231.30219.60220.60210.50203.60190.22151.48145.31174.84
 Amortization of Deferred Policy Acquisition Costs--------------------
 Dividends paid to Policyholders----------------4.326.93
  Depreciation--------------------
  Depreciation & Amortization--------------------
  Goodwill Amortization--------------------
  Amortization of Intangibles--------------------
  Amortization of Deferred Charges--------------------
  Total Depreciation & Amortization--------------------
 Loss on Impairment of Goodwill--------------------
 Interest Expense - Operating1.501.401.602.703.003.203.503.645.697.41
 Interest/Investment Income - Operating--------------------
  Salaries, Compensation & Labor Expense--------------------
  Stock-Based Compensation Expense--------------------
  Selling, General & Administrative Expenses--------------------
  Advertising Expense--------------------
  Total Selling, General & Administrative Expenses--------------------
 Reinsurance Income or Expense--------------------
 Restructuring and Other Corporate Actions--------------------
 Operating Income (Expense) - Other--------------------
 Total Operating Expense630.90649.90639.10652.70666.90670.40481.64417.64348.61403.64
Operating Income169.50151.50140.7099.40106.6053.1097.5446.5266.9992.30
 Interest Expense - Non-Operating--------------------
 Special & Unusual Charges--------------------
 Restructuring Charges--------------------
 Gain (Loss) From Sale of Assets--------------------
 Dividends of Subsidiary--------------------
 Income (Loss) from Equity Investments--------------------
 Pre-Tax Minority Interest--------------------
 Non-Operating Income (Expense) - Other--(7.50)----------------
 Total Non-Operating Income/Expense--(7.50)----------------
Pre-Tax Income169.50144.00140.7099.40106.6053.1097.5446.5266.9992.30
 Income Tax Credits--------------------
 Deferred Taxes - Total--------------------
 Income Taxes (Federal)--------------------
 Income Taxes (State)--------------------
 Income Taxes (Foreign)--------------------
 Provision for Income Taxes - Total28.2042.8034.005.005.90(10.70)(9.35)(2.11)3.529.28
Income After Tax141.30101.20106.7094.40100.7063.80106.8948.6263.4783.02
Minority Interest--------------------
Equity in Earnings of Subsidiary--------------------
Investment Gains (Losses)--------------------
Other Income--------------------
Income from Continuing Operations141.30101.20106.7094.40100.7063.80106.8948.6263.4783.02
Income from Discontinued Operations--------------------
Income Before Extraordinary Income & Accounting Change141.30101.20106.7094.40100.7063.80106.8948.6263.4783.02
Extraordinary Income (Loss)--------------------
Cumulative Effect of Accounting Change--------------------
Consolidated Net Income (Loss)141.30101.20106.7094.40100.7063.80106.8948.6263.4783.02
Non-Controlling Interest--------------------
Net Income (Loss) Attributable to Parent Company141.30101.20106.7094.40100.7063.80106.8948.6263.4783.02
Preferred Stock Dividend & Other Adjustments--------------0.000.000.00
Net Income (Loss) Available to Common Shareholders141.30101.20106.7094.40100.7063.80106.8948.6263.4783.02
Earnings Per Share (Basic) - Cont Ops4.303.113.292.943.192.053.401.301.531.81
Earnings Per Share (Basic) - Disc Ops--------------------
Earnings Per Share (Basic) - Acc Change--------------------
Earnings Per Share (Basic) - Extras--------------------
Earnings Per Share (Basic) - Excluding Extraordinary Items4.303.113.292.943.192.053.401.301.531.81
Earnings Per Share (Basic) - Stock-Based Compensation Expense--------------------
Earnings Per Share (Basic) - Consolidated4.303.113.292.943.192.053.401.301.531.81
Earnings Per Share (Basic) - Parent Company4.303.113.292.943.192.053.401.301.531.81
Net Earnings Per Share (Basic)4.303.113.292.943.192.053.401.301.531.81
Earnings Per Share (Diluted) - Cont Ops4.243.063.242.903.142.003.371.301.531.80
Earnings Per Share (Diluted) - Disc Ops--------------------
Earnings Per Share (Diluted) - Acc Change--------------------
Earnings Per Share (Diluted) - Extras--------------------
Earnings Per Share (Diluted) - Excluding Extraordinary Items4.243.063.242.903.142.003.371.301.531.80
Earnings Per Share (Diluted) - Stock-Based Compensation Expense--------------------
Earnings Per Share (Diluted) - Consolidated4.243.063.242.903.142.003.371.301.531.80
Earnings Per Share (Diluted) - Parent Company4.243.063.242.903.142.003.371.301.531.80
Net Earnings Per Share (Diluted)4.243.063.242.903.142.003.371.301.531.80
Dilution Factor(0.06)(0.03)0.150.030.000.080.010.14(0.03)(0.06)
Weighted Average Shares Outstanding (Basic)32.8932.5032.4432.0731.5331.1431.4837.2841.3945.95
Weighted Average Shares Outstanding (Diluted)33.3133.0632.9832.5632.0731.9431.7237.5141.4746.09
Normalized Pre-Tax Income169.50144.00140.7099.40106.6053.1097.5446.5266.9992.30
Normalized Income After Tax141.30101.20106.7094.40100.7063.80106.8948.6263.4783.02
EBITDA185.70175.40165.40123.20127.2071.40113.6763.7985.89114.65
EBIT171.00152.90142.30102.10109.6056.30101.0550.1672.6999.71