Overview Dividends

(TRV) The Travelers Companies - Ratings and Ratios

Exchange: NYSE • Country: United States • Currency: USD • Type: Common Stock • ISIN: US89417E1091

Commercial Insurance, Personal Insurance, Specialty Insurance

TRV EPS (Earnings per Share)

EPS Growth (3Y CAGR): 37.36%
EPS Trend (3Y Correlation): 43.6%

TRV Revenue

Revenue Growth (3Y CAGR): 9.82%
Revenue Trend (3Y Correlation): 97.1%

Risk via 10d forecast
Volatility	20.9%
Value at Risk 5%th	32.1%

Reward
Sharpe Ratio	0.50
Alpha	1.98

Character
Hurst Exponent	0.382
Beta	0.549

Drawdowns 3y
Max DD	17.15%
Mean DD	5.65%

Description: TRV The Travelers Companies September 26, 2025

The Travelers Companies, Inc. (NYSE: TRV) is a diversified insurer that delivers commercial and personal property- and casualty-insurance solutions to businesses, government entities, associations, and individuals across the United States and select international markets.

Its operations are organized into three core segments: Business Insurance, which underwrites a broad suite of coverages-from workers’ compensation and commercial auto to energy, construction, terrorism, and kidnap-and-ransom; Bond & Specialty Insurance, which provides surety, fidelity, professional-liability, and other specialty lines via independent agents; and Personal Insurance, focused on auto and homeowners policies sold through independent agencies and brokers.

Key performance indicators from the most recent fiscal year (2023) show a net income of $2.6 billion, a combined ratio of 94.5 % in the Business Insurance segment (indicating underwriting profitability), and a return on equity (ROE) of roughly 13 %. These figures are subject to revision pending year-end loss reserving and the impact of any large catastrophe events.

Economic drivers that materially affect Travelers include the trajectory of U.S. interest rates-higher rates boost investment income but can pressure premium growth in rate-sensitive lines-and the frequency/severity of natural catastrophes, which directly influence loss reserves. A sector-wide trend is the accelerating adoption of insurtech tools (e.g., AI-driven underwriting and telematics), which is reshaping pricing efficiency and customer acquisition costs.

For a deeper, data-rich assessment of Travelers’ valuation dynamics-including scenario-based stress testing and peer-adjusted multiples-explore the analytical dashboards on ValueRay, where you can model the sensitivities that matter most to your investment thesis.

TRV Stock Overview

Market Cap in USD	62,415m
Sub-Industry	Property & Casualty Insurance
IPO / Inception	1996-04-22
Return 12m vs S&P 500	-3.55%
Analyst Rating	3.39 of 5

TRV Dividends

Dividend Yield	1.91%
Yield on Cost 5y	4.52%
Yield CAGR 5y	5.34%
Payout Consistency	96.4%
Payout Ratio	16.7%

TRV Growth Ratios

CAGR	18.05%
CAGR/Max DD Calmar Ratio	1.05
CAGR/Mean DD Pain Ratio	3.20
Current Volume	1154.5k
Average Volume	1158.4k

Piotroski VR‑10 (Strict, 0-10) 7.0

Net Income (5.87b TTM) > 0 and > 6% of Revenue (6% = 2.90b TTM)

FCFTA 0.07 (>2.0%) and ΔFCFTA 0.18pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)

NWC/Revenue 16.08% (prev 242.7%; Δ -226.6pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)

CFO/TA 0.07 (>3.0%) and CFO 9.98b > Net Income 5.87b (YES >=105%, WARN >=100%)

Net Debt (8.54b) to EBITDA (10.06b) ratio: 0.85 <= 3.0 (WARN <= 3.5)

Current Ratio 3.03 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active)

Outstanding Shares last Quarter (227.5m) change vs 12m ago -1.34% (target <= -2.0% for YES)

Gross Margin 32.22% (prev 25.66%; Δ 6.56pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)

Asset Turnover 34.79% (prev 33.70%; Δ 1.10pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)

Interest Coverage Ratio 18.90 (EBITDA TTM 10.06b / Interest Expense TTM 407.0m) >= 6 (WARN >= 3)

Altman Z'' 2.63

(A) 0.05 = (Total Current Assets 11.62b - Total Current Liabilities 3.84b) / Total Assets 143.68b

(B) 0.37 = Retained Earnings (Balance) 52.68b / Total Assets 143.68b

(D) 0.67 = Book Value of Equity 75.40b / Total Liabilities 112.07b

Total Rating: 2.63 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 80.00

1. Piotroski 7.0pt = 2.0

2. FCF Yield -49.53% = -5.0

3. FCF Margin 20.63% = 5.16

4. Debt/Equity 0.29 = 2.46

5. Debt/Ebitda 0.85 = 1.96

6. ROIC - WACC (= 9.83)% = 12.28

7. RoE 20.05% = 1.67

8. Rev. Trend 97.13% = 7.28

9. EPS Trend 43.60% = 2.18

What is the price of TRV shares?

As of November 11, 2025, the stock is trading at USD 282.39 with a total of 1,154,543 shares traded.
Over the past week, the price has changed by +5.50%, over one month by +4.54%, over three months by +7.29% and over the past year by +11.11%.

Is The Travelers Companies a good stock to buy?

Partly, yes. Based on ValueRay´s Fundamental Analyses, The Travelers Companies (NYSE:TRV) is currently (November 2025) ok to buy, but has to be watched. It has a ValueRay Fundamental Rating of 80.00 and therefor a somewhat positive outlook according to the companies health.
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of TRV is around 300.97 USD . This means that TRV is currently overvalued and has a potential downside of 6.58%.

Is TRV a buy, sell or hold?

The Travelers Companies has received a consensus analysts rating of 3.39. Therefor, it is recommend to hold TRV.

Strong Buy: 3
Buy: 6
Hold: 11
Sell: 3
Strong Sell: 0

What are the forecasts/targets for the TRV price?

Issuer	Target	Up/Down from current
Wallstreet Target Price	295	4.5%
Analysts Target Price	295	4.5%
ValueRay Target Price	331.5	17.4%

TRV Fundamental Data Overview November 09, 2025

Market Cap USD = 62.42b (62.42b USD * 1.0 USD.USD)
P/E Trailing = 11.0118
P/E Forward = 10.7991
P/S = 1.2895
P/B = 2.1359
P/EG = 2.6989
Beta = 0.549
Revenue TTM = 48.41b USD
EBIT TTM = 7.69b USD
EBITDA TTM = 10.06b USD
Long Term Debt = 7.93b USD (from longTermDebt, last fiscal year)
Short Term Debt = 300.0m USD (from shortTermDebt, last quarter)
Debt = 9.27b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 8.54b USD (from netDebt column, last quarter)
Enterprise Value = -20.16b USD (62.42b + Debt 9.27b - CCE 91.84b)
Interest Coverage Ratio = 18.90 (Ebit TTM 7.69b / Interest Expense TTM 407.0m)
FCF Yield = -49.53% (FCF TTM 9.98b / Enterprise Value -20.16b)
FCF Margin = 20.63% (FCF TTM 9.98b / Revenue TTM 48.41b)
Net Margin = 12.13% (Net Income TTM 5.87b / Revenue TTM 48.41b)
Gross Margin = 32.22% ((Revenue TTM 48.41b - Cost of Revenue TTM 32.81b) / Revenue TTM)
Gross Margin QoQ = 47.12% (prev 29.09%)
Tobins Q-Ratio = -0.14 (set to none) (Enterprise Value -20.16b / Total Assets 143.68b)
Interest Expense / Debt = 1.20% (Interest Expense 111.0m / Debt 9.27b)
Taxrate = 19.45% (456.0m / 2.34b)
NOPAT = 6.20b (EBIT 7.69b * (1 - 19.45%))
Current Ratio = 3.03 (Total Current Assets 11.62b / Total Current Liabilities 3.84b)
Debt / Equity = 0.29 (Debt 9.27b / totalStockholderEquity, last quarter 31.61b)
Debt / EBITDA = 0.85 (Net Debt 8.54b / EBITDA 10.06b)
Debt / FCF = 0.86 (Net Debt 8.54b / FCF TTM 9.98b)
Total Stockholder Equity = 29.30b (last 4 quarters mean from totalStockholderEquity)
RoA = 4.09% (Net Income 5.87b / Total Assets 143.68b)
RoE = 20.05% (Net Income TTM 5.87b / Total Stockholder Equity 29.30b)
RoCE = 20.67% (EBIT 7.69b / Capital Employed (Equity 29.30b + L.T.Debt 7.93b))
RoIC = 16.95% (NOPAT 6.20b / Invested Capital 36.56b)
WACC = 7.13% (E(62.42b)/V(71.68b) * Re(8.04%) + D(9.27b)/V(71.68b) * Rd(1.20%) * (1-Tc(0.19)))
Discount Rate = 8.04% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 8.05%
Shares Correlation 3-Years: -100.0 | Cagr: -0.78%
[DCF Debug] Terminal Value 79.63% ; FCFE base≈9.64b ; Y1≈10.61b ; Y5≈13.64b
Fair Price DCF = 1064 (DCF Value 237.31b / Shares Outstanding 223.1m; 5y FCF grow 11.58% → 3.0% )
EPS Correlation: 43.60 | EPS CAGR: 37.36% | SUE: 1.88 | # QB: 2
Revenue Correlation: 97.13 | Revenue CAGR: 9.82% | SUE: 0.98 | # QB: 1

Additional Sources for TRV Stock

News: Wall Street Journal | Benzinga | Yahoo Finance
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Fund Manager Positions: Dataroma | Stockcircle