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The Travelers Companies, Inc. TRV SPX

Financial Services · Insurance - Property & Casualty · United States
https://www.travelers.com

The Travelers Companies, Inc., through its subsidiaries, provides a range of commercial and personal property, and casualty insurance products and services to businesses, government units, associations, and individuals in the United States, Canada, and internationally. It operates through three segments: Business Insurance, Bond & Specialty Insurance, and Personal Insurance. The Business Insurance segment offers workers' compensation, commercial automobile and property, general liability, commercial multi-peril, employers' liability, public and product liability, professional indemnity, marine, aviation, commercial property and automobile, onshore and offshore energy, construction, terrorism, personal accident, and kidnap and ransom insurance products. This segment operates through select accounts, which serve small businesses; middle accounts that serve mid-sized businesses; national accounts, which serve large companies; and national property and others that serve large and mid-sized customers, commercial trucking industry, and agricultural businesses, as well as markets and distributes its products through brokers, wholesale agents, and program managers. The Bond & Specialty Insurance segment provides surety, fidelity, management and professional liability, and other property and casualty coverages and related risk management services through independent agencies and brokers. The Personal Insurance segment offers property and casualty insurance covering personal risks, primarily automobile and homeowners' insurance to individuals. The Travelers Companies, Inc. was founded in 1853 and is based in New York, New York.

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$291.89
+7.55% 1Y

Market & Price

Market Cap
$62.07B
Current Price
$291.89
High / Low (52W)
$310.90 / $247.73
Beta
0.51

Valuation

Stock P/E
8.71
Industry PE
12.01
Forward P/E
10.22
PEG Ratio
2.36
Book Value
$150.45
Price to Book
1.94
P/S
1.27
EV/EBITDA
6.07
Dividend Yield
1.71%

Profitability & Returns

ROCE
-
ROE
25.27%
ROA
4.44%
Profit Margin
15.54%
Op Margin
18.74%
EPS (Latest Qtr)
$7.78
EPS (TTM)
$33.51

Balance Sheet & Liquidity

Debt/Equity
0.29
Quick Ratio
0.20
Current Ratio
0.34
Debt
$9.27B
Total Assets
$143.71B
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
0.27%
Chg in Prom Hold
-
FII / Inst Holding
87.84%
Chg in FII Hold
0.00%

Financial Snapshot

Enterprise Value
$64.20B
Total Revenue (TTM)
$48.94B
EBITDA
$10.57B
Free Cash Flow
$13.30B
Operating Cash Flow
$11.44B
Shares Outstanding
212.64M
Gross Margin
32.88%
Payout Ratio
13.13%

Growth (CAGR)

Revenue 5Y
9.79%
Profit 5Y
30.31%
Revenue (YoY)
1.00%
Earnings (YoY)
357.60%

PROS

  • Strong return on equity of 25.3%.
  • Profit CAGR of 30.3% over 5 years.
  • Generates positive free cash flow.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

* The pros and cons are auto-generated from financial metrics.

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP $P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 TRV The Travelers Companies, Inc. SPX 291.89 8.71 $62.07B 1.71% - 25.27% 9.79% 30.31%
2 JPM JPMorgan Chase & Co. SPX 299.31 14.33 $802.00B 2.00% - 16.47% 12.50% 14.83%
3 V Visa Inc. SPX 326.36 28.48 $620.65B 0.82% 38.38% 60.35% 10.92% 10.28%
4 MA Mastercard Incorporated SPX 493.98 28.57 $436.47B 0.70% 61.47% - 13.82% 14.66%
5 MS Morgan Stanley SPX 208.00 18.84 $328.08B 1.92% - 16.39% 9.52% 15.20%
6 GS The Goldman Sachs Group, Inc. SPX 1,025.56 18.73 $302.55B 1.76% - 14.55% 7.16% 15.11%
7 WFC Wells Fargo & Company SPX 77.54 11.98 $237.29B 2.32% - 12.03% 4.02% 15.98%
8 BLK BlackRock, Inc. SPX 1,046.88 26.32 $162.51B 2.19% 4.89% 11.90% 10.65% 2.36%
9 SCHW The Charles Schwab Corporation SPX 87.35 17.37 $151.91B 1.47% - 19.08% 4.83% 7.21%
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Quarterly Results

Figures in USD.

Metric Jun 2015Sep 2015Dec 2015Mar 2016Jun 2016Sep 2016Dec 2016Mar 2017Jun 2017Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Dec 2018Mar 2019Jun 2019Sep 2019Dec 2019Mar 2020Jun 2020Sep 2020Dec 2020Mar 2021Jun 2021Sep 2021Mar 2022Jun 2022Sep 2022Mar 2023Jun 2023Sep 2023Mar 2024Jun 2024Sep 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Revenue 6.71B6.80B6.68B6.69B6.79B6.96B7.19B6.94B7.18B7.33B7.45B7.29B7.48B7.72B7.80B7.67B7.83B8.01B8.06B7.91B7.40B8.28B8.40B8.31B8.69B8.80B8.81B9.14B9.30B9.70B10.10B10.63B11.23B11.28B11.90B11.81B12.12B12.47B12.43B11.92B
Cost of Revenue ----------------------------------------
Gross Profit ----------------------------------------
Operating Expenses ----------------------------------------
Operating Income 806.00M918.00M---------------------------------567.00M1.98B2.46B3.22B2.23B
EBITDA ----------------------------------------
Interest Expense -----------------------------------99.00M99.00M111.00M116.00M116.00M
Pretax Income -----------------------------------468.00M1.88B2.34B3.10B2.12B
Tax Provision -----------------------------------73.00M372.00M456.00M607.00M408.00M
Net Income 812.00M928.00M866.00M691.00M664.00M716.00M943.00M617.00M595.00M293.00M551.00M669.00M524.00M709.00M621.00M796.00M557.00M396.00M873.00M600.00M-40.00M827.00M1.31B733.00M934.00M662.00M1.02B551.00M454.00M975.00M-14.00M404.00M1.12B534.00M1.26B395.00M1.51B1.89B2.50B1.71B
Diluted EPS 2.532.972.832.302.242.453.282.172.111.051.982.421.922.622.322.992.101.503.352.33-0.163.235.102.873.662.624.152.271.894.13-0.071.744.802.295.421.706.538.2411.067.78

Profit & Loss (Annual)

Figures in USD.

Metric Dec 2007Dec 2008Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Revenue 26.02B24.48B24.68B25.11B25.45B25.74B26.19B27.17B26.82B27.62B28.90B30.28B31.58B31.98B34.82B36.90B41.37B46.43B48.83B
Cost of Revenue -------------------
Gross Profit -------------------
Operating Expenses -------------------
Operating Income --3.60B3.04B1.39B2.44B3.57B3.64B-------3.71B3.75B6.57B8.22B
EBITDA -------------------
Interest Expense ---------------351.00M376.00M392.00M425.00M
Pretax Income ---------------3.35B3.37B6.18B7.80B
Tax Provision ---------------512.00M380.00M1.18B1.51B
Net Income ------3.67B3.69B3.44B3.01B2.06B2.52B2.62B2.70B3.66B2.84B2.99B5.00B6.29B
Diluted EPS 6.854.816.336.623.366.309.7410.7010.8810.287.339.289.9210.5214.4911.7712.7921.4727.43

Compounded Sales Growth

5 Years:9.79%
1 Year:1.00%

Compounded Profit Growth

5 Years:30.31%
1 Year:357.60%

Stock Price Performance

1 Year:+7.55%
6 Months:+0.14%
3 Months:-5.08%
1 Month:-3.43%

Balance Sheet (Annual)

Figures in USD.

Metric Dec 2007Dec 2008Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Total Assets -109.63B109.56B105.66B104.58B104.94B103.81B103.08B100.18B100.25B103.48B104.23B110.12B116.76B-115.72B125.98B133.19B143.71B
Current Assets -------------------
Cash & Equivalents ---------------799.00M500.00M568.00M710.00M
Inventory -------------------
Receivables ---------------20.56B21.67B22.28B21.89B
Total Liabilities -84.31B82.14B80.18B80.10B79.53B79.02B78.24B76.59B77.02B79.75B81.34B84.18B87.56B-94.16B101.06B105.33B110.81B
Current Liabilities -------------------
Long Term Debt --6.17B6.52B6.27B5.76B6.26B5.86B-------7.19B7.93B7.93B8.97B
Total Debt ---------------7.29B8.03B8.03B9.27B
Total Equity 26.62B-----24.80B24.84B23.60B23.22B23.73B22.89B25.94B29.20B-21.56B24.92B27.86B32.89B
Shares Outstanding ---------------785.60M787.40M790.90M793.40M

Cash Flows (Annual)

Figures in USD.

Metric Dec 2007Dec 2008Dec 2009Dec 2010Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Operating Cash Flow 5.29B3.14B4.23B3.05B--3.43B4.47B4.15B4.38B5.21B6.52B-6.46B7.71B9.07B10.61B
Investing Cash Flow -2.53B-162.00M-899.00M2.11B--317.00M-1.73B-2.20B-2.33B-2.90B-4.89B--3.73B-6.82B-7.26B-7.65B
Financing Cash Flow -2.95B-2.87B-3.44B-5.22B---3.73B-2.81B-1.92B-2.01B-2.19B-1.42B--2.67B-1.05B-1.75B-2.66B
Capital Expenditure -----------------
Free Cash Flow -------------6.46B7.71B9.07B10.61B
Net Change in Cash -------------68.00M-161.00M63.00M291.00M
Share Buybacks ----2.40B3.27B3.15B2.40B1.38B1.27B1.50B625.00M2.16B2.00B958.00M1.00B3.00B

Ratios (Annual)

Figures in %.

Metric Dec 2007Dec 2008Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Gross Margin % -------------------
Operating Margin % --14.6%12.1%5.5%9.5%13.6%13.4%-------10.0%9.1%14.2%16.8%
Net Margin % ------14.0%13.6%12.8%10.9%7.1%8.3%8.3%8.4%10.5%7.7%7.2%10.8%12.9%
ROE % ------14.8%14.9%14.6%13.0%8.7%11.0%10.1%9.2%-13.2%12.0%17.9%19.1%
ROCE % -------------------

Shareholding Pattern

Insiders
0.27%
Institutions
87.84%
Public Float
88.07%

Top Institutional Holders

#Holder% HeldSharesValue
1 Blackrock Inc. 10.17% 21.63M $6.31B
2 State Street Corporation 7.59% 16.13M $4.71B
3 Vanguard Capital Management LLC 6.61% 14.05M $4.10B
4 FMR, LLC 5.64% 12.00M $3.50B
5 Geode Capital Management, LLC 2.65% 5.64M $1.65B
6 Vanguard Portfolio Management LLC 2.53% 5.39M $1.57B
7 Massachusetts Financial Services Co. 2.31% 4.90M $1.43B
8 JPMORGAN CHASE & CO 1.75% 3.73M $1.09B
9 Morgan Stanley 1.68% 3.57M $1.04B
10 Dimensional Fund Advisors LP 1.64% 3.48M $1.02B

Analyst View

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