Positioning no disclosures inside 60 days, left as found
Options put/call open interest 1.00, read 2026-10-29
Ethical does not pass the values gate
Price49.08 USD
Fair value42.50
Ethical score30.0/100
Our investment reviews on this name
2026-10-11Read Accumulation48.45+1.3% to today ✓Markdown gives way to Accumulation first Accumulation read since July
2026-10-02Read Markdown48.45+1.3% to today Distribution gives way to Markdown with volume flow in agreement
2026-08-27Read Distribution46.25+6.1% to today Accumulation gives way to Distribution
2026-07-02Read Accumulation46.25+6.1% to today ✓First review on file: Accumulation
Our analytic regime reads on this name, dated and marked against the screened price. Small sample per name, and separate from the daily-framework accuracy on the Track Record page.
Employers Holdings, Inc. holds its Accumulation at $49.08. The statistical read favours the buyers, held for 4 days.
As held on the ledger · 2026-10-29
Phase
Accumulation
Quantitative state
The statistical read favours the buyers, held for 4 days
Price at the screen
$49.08
Valuation
105.33 trailing · 18.88 forward price to earnings
Values screen
FAIL· score 30.0
Beta
0.51
The Workings
Five Screens, Shown in Full
Does not pass. Prohibited keyword in sector/industry: insurance
Test
Figure
Limit
What it means
Status
Business activity
Excluded
Core business clean
Prohibited keyword in sector/industry: insurance
Fail
Debt load
Excluded
Below 33%
Interest-bearing debt is of its assets, above the one-third ceiling the screen allows.
Fail
Interest-bearing cash
Excluded
Below 33%
Interest-bearing cash and securities are of assets, above the one-third limit.
Fail
Receivables
Excluded
Below 49%
Money owed to the company is of assets, above the 49% limit.
Fail
Revenue purity
Excluded
Below 5%
of revenue comes from non-compliant sources, over the 5% line.
Fail
Five checks adapted from AAOIFI screening standards: business activity plus four balance-sheet ratios. All five must pass for ethical clearance. Every figure is arithmetic on public accounts, not judgement.
The Ethical Read
Why It Falls Short, in Plain English
Employers Holdings, does not clear the screen at the business-activity stage. It operates in conventional financial services, which the screen treats as interest-based, so the financial ratios are not the deciding factor here.
Read as at 2026-10-30. It updates when the underlying figures move, and past reads are kept below.
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Get an email when EIG's ethical verdict changes
Today EIG does not pass the screen. If new figures move it to a pass, we send you one short email with the before and after. Verdicts change rarely, so you may not hear from us for a long time.
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Fair value range in USD, drawn from the 2026-10-29 screen. The gold marker is the market price at the same screen. The price runs 13.4% above the base estimate.
Third-party analyst targets: 2 covering, consensus None. The average target sits −5% from the screen price.
Reading the gap · Both our model and the Street see limited upside at this price.
Price History & Projections
Where it has been, where the models see it going. History from market close data; projection points are our fair-value estimates and third-party analyst targets, dated to the 2026-10-29 screen.
Fair value and rating are our own model estimates; the Street's range reflects third-party analyst estimates. Analysis, not advice.
The risks · The things to watch: it's a small-cap, so the share price can swing harder than the market.
Plain-English interpretation of our own screen data. Analysis, not advice.
Where & How to Trade
EIG trades on the NYSE. As a listed security it is accessible through almost any international broker offering its home market. New to this, or investing from abroad? Our guide to accessing global markets covers brokers, currencies and the practical steps.
The Dated Journal · Newest First, Never Edited
Every Entry, As Written
2026-10-28Accumulation$49.76+0.0%Entry 16
The analysis reads accumulation. Smart money appears to be quietly building positions. This typically precedes a markup phase. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it A, carrying a low risk profile. Technically it is holding around 17% above its long-term trend line with momentum reading overbought. Over the past year the shares are up 2%. Our forward projection puts the odds of a 10% gain over the next month near 14%. The street (2 analysts) rates it none, with a mean price target of $46. It reported earnings in this window, a natural checkpoint for the thesis.
2026-10-27Accumulation$49.76+0.0%Entry 15
The analysis reads accumulation. Smart money appears to be quietly building positions. This typically precedes a markup phase. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it A, carrying a low risk profile. Technically it is holding around 17% above its long-term trend line with momentum reading overbought. Over the past year the shares are up 2%. Our forward projection puts the odds of a 10% gain over the next month near 14%. The street (2 analysts) rates it none, with a mean price target of $46. It reported earnings in this window, a natural checkpoint for the thesis.
2026-10-26Accumulation$49.76+0.0%Entry 14
The analysis reads accumulation. Smart money appears to be quietly building positions. This typically precedes a markup phase. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it A, carrying a low risk profile. Technically it is holding around 17% above its long-term trend line with momentum reading overbought. Over the past year the shares are up 2%. Our forward projection puts the odds of a 10% gain over the next month near 14%. The street (2 analysts) rates it none, with a mean price target of $46. It reported earnings in this window, a natural checkpoint for the thesis.
2026-10-25Accumulation$49.76+0.0%Entry 13
The analysis reads accumulation. Smart money appears to be quietly building positions. This typically precedes a markup phase. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is holding around 16% above its long-term trend line with momentum reading overbought. Over the past year the shares are up 2%. Our forward projection puts the odds of a 10% gain over the next month near 14%. The street (2 analysts) rates it none, with a mean price target of $46. It reported earnings in this window, a natural checkpoint for the thesis.
2026-10-24Accumulation$49.76+0.0%Entry 12
The analysis reads accumulation. Smart money appears to be quietly building positions. This typically precedes a markup phase. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is holding around 16% above its long-term trend line with momentum reading overbought. Over the past year the shares are up 2%. Our forward projection puts the odds of a 10% gain over the next month near 14%. The street (2 analysts) rates it none, with a mean price target of $46. It reported earnings in this window, a natural checkpoint for the thesis.
2026-10-23Accumulation$49.76+0.0%Entry 11
The analysis reads accumulation. Smart money appears to be quietly building positions. This typically precedes a markup phase. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is holding around 16% above its long-term trend line with momentum reading overbought. Over the past year the shares are up 2%. Our forward projection puts the odds of a 10% gain over the next month near 14%. The street (2 analysts) rates it none, with a mean price target of $46. It reported earnings in this window, a natural checkpoint for the thesis.
2026-10-22Accumulation$49.76+0.0%Entry 10
The analysis reads accumulation. Smart money appears to be quietly building positions. This typically precedes a markup phase. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is holding around 16% above its long-term trend line with momentum reading overbought. Over the past year the shares are up 2%. Our forward projection puts the odds of a 10% gain over the next month near 14%. The street (2 analysts) rates it none, with a mean price target of $46. It reported earnings in this window, a natural checkpoint for the thesis.
2026-10-21Accumulation$49.76+0.0%Entry 9
The analysis reads accumulation. Smart money appears to be quietly building positions. This typically precedes a markup phase. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is holding around 16% above its long-term trend line with momentum reading overbought. Over the past year the shares are up 2%. Our forward projection puts the odds of a 10% gain over the next month near 14%. The street (2 analysts) rates it none, with a mean price target of $46. It reported earnings in this window, a natural checkpoint for the thesis.
2026-10-18Accumulation$49.76+2.7%Entry 8
The analysis reads accumulation. Smart money appears to be quietly building positions. This typically precedes a markup phase. Price has moved up 2.7% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it C, carrying a low risk profile. Technically it is momentum reading bullish. Over the past year the shares are up 2%. Our forward projection puts the odds of a 10% gain over the next month near 14%. The street (2 analysts) rates it none, with a mean price target of $46.
The framework has shifted from markdown to accumulation since the last review. Smart money appears to be quietly building positions. This typically precedes a markup phase. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it C, carrying a low risk profile. Technically it is momentum reading bullish. Over the past year the shares are up 2%. Our forward projection puts the odds of a 10% gain over the next month near 14%. The street (2 analysts) rates it none, with a mean price target of $46.
Each entry above was written on its date, before the outcome. A journal you can prune is not a journal.
The Political Ledger · Congressional Disclosures
Disclosures naming EIG
Date
Politician
Party
Type
Amount
2026-09-11
Ro Khanna
Democrat
sell
1K–15K
2026-09-11
Ro Khanna
Democrat
sell
1K–15K
2026-08-13
Brandon Gill
Republican
buy
50K–100K
2026-08-13
Brandon Gill
Republican
buy
50K–100K
2026-08-13
Brandon Gill
Republican
buy
50K–100K
What Holding Actually Paid · Price Plus Dividends
If $1,000 had been placed · historical, not a promise
Period
Price then
Price return
Divs per share
$1,000 became
Total return
1 month
$41.07
+13.3%
$0.34
$1,141
+14.1%
2 months
$41.43
+12.3%
$0.34
$1,132
+13.2%
3 months
$39.14
+18.9%
$0.34
$1,198
+19.8%
6 months
$40.91
+13.8%
$0.66
$1,154
+15.4%
1 year
$45.57
+2.1%
$1.30
$1,050
+5.0%
2 years
$39.22
+18.7%
$2.52
$1,251
+25.1%
3 years
$35.69
+30.4%
$3.66
$1,407
+40.7%
5 years
$35.77
+30.1%
$7.98
$1,524
+52.4%
Historical returns from market close data. Past performance does not guarantee future results.
The Ledger's Promise
This entry now belongs to the ledger. Whatever EIG does next, these words stay.
Employers Holdings, Inc. · EIG · Accumulation · $49.08
Recorded 2026-10-29 · before the outcome · scored mechanically