(TRV) The Travelers Companies - Ratings and Ratios
Commercial Property, Business Liability, Workers Compensation, Homeowners, Auto
Dividends
| Dividend Yield | 1.50% |
| Yield on Cost 5y | 3.48% |
| Yield CAGR 5y | 5.34% |
| Payout Consistency | 93.5% |
| Payout Ratio | 16.9% |
| Risk via 5d forecast | |
|---|---|
| Volatility | 20.1% |
| Value at Risk 5%th | 30.8% |
| Relative Tail Risk | -6.52% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.78 |
| Alpha | 12.06 |
| CAGR/Max DD | 1.11 |
| Character TTM | |
|---|---|
| Hurst Exponent | 0.372 |
| Beta | 0.456 |
| Beta Downside | 0.517 |
| Drawdowns 3y | |
|---|---|
| Max DD | 17.15% |
| Mean DD | 5.67% |
| Median DD | 5.09% |
Description: TRV The Travelers Companies December 02, 2025
Travelers (NYSE: TRV) operates three core segments-Business Insurance, Bond & Specialty Insurance, and Personal Insurance-delivering a broad suite of property- and casualty products to commercial, governmental, and individual customers in the U.S. and abroad. The Business Insurance line covers everything from workers’ compensation and commercial auto to aviation and terrorism risk, serving clients through a tiered account structure (select, commercial, national) and distributing via brokers, wholesale agents, and program managers. Bond & Specialty focuses on surety, fidelity, and professional-liability coverages, while Personal Insurance provides auto and homeowners policies through independent agencies.
Key recent metrics (as of Travelers’ FY 2024 filing) include a net written premium of roughly $15.5 billion, a combined ratio of 92.5 %-indicating underwriting profitability-and a return on equity near 12.5 %. The company’s earnings are sensitive to interest-rate movements (which affect investment income) and to inflation-driven construction cost spikes that can raise workers-comp and liability losses. Additionally, the sector’s exposure to climate-related catastrophes remains a material risk, prompting Travelers to expand its reinsurance program and invest in advanced risk-modeling tools.
For a deeper, data-driven look at Travelers’ valuation and risk profile, consider reviewing the analytics available on ValueRay.
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 |
| (C) 0.06 = EBIT TTM 7.69b / Avg Total Assets 139.13b |
| (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) 78.80
| 1. Piotroski 7.0pt |
| 2. FCF Yield -54.44% |
| 3. FCF Margin 20.63% |
| 4. Debt/Equity 0.29 |
| 5. Debt/Ebitda 0.85 |
| 6. ROIC - WACC (= 9.61)% |
| 7. RoE 20.05% |
| 8. Rev. Trend 98.44% |
| 9. EPS Trend 22.89% |
What is the price of TRV shares?
Over the past week, the price has changed by +4.24%, over one month by +2.54%, over three months by +5.59% and over the past year by +19.92%.
Is TRV a buy, sell or hold?
- 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 | 296.1 | 1.9% |
| Analysts Target Price | 296.1 | 1.9% |
| ValueRay Target Price | 346.9 | 19.4% |
TRV Fundamental Data Overview December 13, 2025
P/E Trailing = 11.1362
P/E Forward = 10.1937
P/S = 1.3157
P/B = 1.9643
P/EG = 2.6989
Beta = 0.541
Revenue TTM = 48.41b USD
EBIT TTM = 7.69b USD
EBITDA TTM = 10.06b 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 = 8.54b USD (from netDebt column, last quarter)
Enterprise Value = -18.34b USD (64.23b + Debt 9.27b - CCE 91.84b)
Interest Coverage Ratio = 18.90 (Ebit TTM 7.69b / Interest Expense TTM 407.0m)
FCF Yield = -54.44% (FCF TTM 9.98b / Enterprise Value -18.34b)
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 = -0.13 (set to none) (Enterprise Value -18.34b / 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 = 20.11% (EBIT 7.69b / Capital Employed (Equity 29.30b + L.T.Debt 8.97b))
RoIC = 16.47% (NOPAT 6.20b / Invested Capital 37.64b)
WACC = 6.85% (E(64.23b)/V(73.50b) * Re(7.70%) + D(9.27b)/V(73.50b) * Rd(1.20%) * (1-Tc(0.19)))
Discount Rate = 7.70% (= 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: 22.89 | EPS CAGR: 12.69% | SUE: 1.88 | # QB: 2
Revenue Correlation: 98.44 | Revenue CAGR: 9.05% | SUE: 0.98 | # QB: 1
EPS next Quarter (2026-03-31): EPS=7.01 | Chg30d=+0.042 | Revisions Net=+8 | Analysts=17
EPS next Year (2026-12-31): EPS=26.63 | Chg30d=+0.101 | Revisions Net=+19 | Growth EPS=+7.7% | Growth Revenue=+3.3%
Additional Sources for TRV Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle