TRV Stock Analysis: The Travelers Companies | NYSE
Insurance - Property & Casualty | NYSE, USA | Market Cap: 72.790m USD | 12M Return: 33% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 602M
EPS Trend: 97.6%
Qual. Beats: 0
Rev. Trend: 97.3%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
Seasonality 10.5 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
The Travelers Companies, Inc. (NYSE: TRV) is a major U.S.-based property and casualty (P&C) insurer headquartered in New York and founded in 1853. It offers commercial and personal insurance products and services in the United States, Canada, and internationally, and is organized into three reporting segments: Business Insurance, Bond & Specialty Insurance, and Personal Insurance.
The Business Insurance segment distributes workers compensation, commercial auto and property, general liability, multi-peril, marine, aviation, energy, construction, and other commercial coverages through brokers, wholesale agents, and program managers, serving small, mid-sized, and large customers. The Bond & Specialty Insurance segment provides surety, fidelity, and management and professional liability coverages through independent agencies and brokers. The Personal Insurance segment primarily writes auto and homeowners coverage for individuals.
As a P&C carrier, Travelers operates in a sector characterized by state-level insurance regulation in the U.S. and a distribution model in which independent agents and brokers account for the majority of premium placement. In addition to underwriting profit, P&C insurers generate a significant share of earnings by investing premiums collected before claims are paid, a model often referred to as the insurance float. Travelers has been publicly traded on the NYSE since 1996 and is classified within the Financials sector under the Property & Casualty Insurance sub-industry.
- Catastrophe losses pressure combined ratio above guidance
- Net investment income surges on higher fixed-income yields
- Commercial renewal rate momentum moderates as market softens
| Net Income: 7.60b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.08 > 0.02 and ΔFCF/TA 1.44 > 1.0 |
| NWC/Revenue: 59.21% < 20% (prev 50.15%; Δ 9.06% < -1%) |
| CFO/TA 0.08 > 3% & CFO 11.4b > Net Income 7.60b |
| Net Debt (-88.7b) to EBITDA (10.6b): -8.39 < 3 |
| Current Ratio: 1.31 > 1.5 & < 3 |
| Outstanding Shares: last quarter (218.4m) vs 12m ago -5.21% < -2% |
| Gross Margin: 44.02% > 18% (prev 24.56%; Δ 19.45% > 0.5%) |
| Asset Turnover: 35.17% > 50% (prev 34.57%; Δ 0.60% > 0%) |
| Interest Coverage Ratio: 22.37 > 6 (EBIT TTM 9.89b / Interest Expense TTM 442.0m) |
| A: 0.20 (Total Current Assets 123b - Total Current Liabilities 94.2b) / Total Assets 142b |
| B: 0.40 (Retained Earnings 56.4b / Total Assets 142b) |
| C: 0.07 (EBIT TTM 9.89b / Avg Total Assets 139b) |
| D: 0.29 (Book Value of Equity 32.0b / Total Liabilities 110b) |
| Altman-Z'' = 3.41 = A |
| DSRI: 0.95 (Receivables 23.3b/23.6b, Revenue 48.9b/47.0b) |
| GMI: 0.56 (GM 24.56% / 44.02%) |
| AQI: 0.95 (AQ_t 0.13 / AQ_t-1 0.14) |
| SGI: 1.04 (Revenue 48.9b / 47.0b) |
| TATA: -0.03 (NI 7.60b - CFO 11.4b) / TA 142b) |
| Beneish M = -3.47 (Cap -4..+1) = AA |
As of July 07, 2026, the stock is trading at USD 339.17 with a total of 1,094,025 shares traded. Over the past week, the price has changed by +3.60%, over one month by +14.78%, over three months by +15.24% and over the past year by +33.04%.
Current recommended Stop Loss: 330.20 (which is 2.6% or 1.3 ATR below the current price).
The Travelers Companies has received a consensus analysts rating of 3.43. Therefore, it is recommended to hold TRV.
- StrongBuy: 6
- Buy: 2
- Hold: 18
- Sell: 2
- StrongSell: 0
| Analysts Target Price | 314.1 | -7.4% |
P/E Trailing = 10.2182
P/E Forward = 11.8203
P/S = 1.4873
P/B = 2.2246
P/EG = 2.3596
Revenue TTM = 48.9b USD
EBIT TTM = 9.89b USD
EBITDA TTM = 10.6b USD
Long Term Debt = 8.97b USD (from longTermDebt, last quarter)
Short Term Debt = 300.0m USD (from shortTermDebt, last quarter)
Debt = 9.27b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -88.7b USD (calculated: Debt 9.27b - CCE 98.0b)
Enterprise Value = 72.8b USD (floored to Market Cap, CCE > MCap+Debt)
Interest Coverage Ratio = 22.37 (Ebit TTM 9.89b / Interest Expense TTM 442.0m)
EV/FCF = 6.36x (Enterprise Value 72.8b / FCF TTM 11.4b)
FCF Yield = 15.72% (FCF TTM 11.4b / Enterprise Value 72.8b)
FCF Margin = 23.38% (FCF TTM 11.4b / Revenue TTM 48.9b)
Net Margin = 15.54% (Net Income TTM 7.60b / Revenue TTM 48.9b)
Gross Margin = 44.02% ((Revenue TTM 48.9b - Cost of Revenue TTM 27.4b) / Revenue TTM)
Gross Margin QoQ = 46.48% (prev 53.09%)
Tobins Q-Ratio = 0.51 (Enterprise Value 72.8b / Total Assets 142b)
Interest Expense / Debt = 4.77% (Interest Expense 442.0m / Debt 9.27b)
Taxrate = 19.51% (1.84b / 9.45b)
NOPAT = 7.96b (EBIT 9.89b * (1 - 19.51%))
Current Ratio = 1.31 (Total Current Assets 123b / Total Current Liabilities 94.2b)
Debt / Equity = 0.29 (Debt 9.27b / totalStockholderEquity, last quarter 32.0b)
Debt / EBITDA = -8.39 (Net Debt -88.7b / EBITDA 10.6b)
Debt / FCF = -7.75 (Net Debt -88.7b / FCF TTM 11.4b)
Total Stockholder Equity = 31.5b (last 4 quarters mean from totalStockholderEquity)
RoA = 5.46% (Net Income 7.60b / Total Assets 142b)
RoE = 24.14% (Net Income TTM 7.60b / Total Stockholder Equity 31.5b)
RoCE = 24.44% (EBIT 9.89b / Capital Employed (Equity 31.5b + L.T.Debt 8.97b))
RoIC = 17.31% (NOPAT 7.96b / Invested Capital 46.0b)
WACC = 6.26% (E(72.8b)/V(82.1b) * Re(6.57%) + D(9.27b)/V(82.1b) * Rd(4.77%) * (1-Tc(0.20)))
Discount Rate = 6.57% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -86.67 | Cagr: -2.48%
[DCF] Terminal Value 77.97% ; FCFF base≈10.5b ; Y1≈12.0b ; Y5≈17.6b
[DCF] Fair Price = 1.67k (EV 265b - Net Debt -88.7b = Equity 354b / Shares 212.6m; r=8.35% [WACC [floored]]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 97.56 | EPS CAGR: 53.92% | SUE: 0.62 | # QB: 0
Revenue Correlation: 97.26 | Revenue CAGR: 9.07% | SUE: 0.45 | # QB: 0
EPS current Quarter (2026-06-30): EPS=4.96 | Chg30d=+2.43% | Revisions=+40% | Analysts=22
EPS next Quarter (2026-09-30): EPS=6.37 | Chg30d=+0.18% | Revisions=+40% | Analysts=22
EPS current Year (2026-12-31): EPS=28.23 | Chg30d=+0.45% | Revisions=-17% | GrowthEPS=+2.3% | GrowthRev=-0.8%
EPS next Year (2027-12-31): EPS=28.56 | Chg30d=+0.04% | Revisions=+12% | GrowthEPS=+1.1% | GrowthRev=+2.9%
[Analyst] Revisions Ratio: +27% (up=8, down=4)