TRV Stock Analysis: The Travelers Companies | NYSE
Insurance - Property & Casualty | NYSE, USA | Market Cap: 81.606m USD | 12M Return: 50% | US89417E1091 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 525M
EPS Trend: 98.2%
Qual. Beats: 2
Rev. Trend: 93.7%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
Seasonality 11.7 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 U.S.-based property and casualty insurance provider that serves businesses, government units, associations, and individuals across the United States, Canada, and select international markets. The company operates through three reporting segments: Business Insurance, Bond & Specialty Insurance, and Personal Insurance. As a large-cap constituent of the Financials sector, Travelers is one of the established players in the U.S. P&C insurance industry, distributing its products through brokers, wholesale agents, program managers, and independent agencies.
The Business Insurance segment is the broadest of the three, offering coverages such as workers compensation, commercial auto and property, general liability, commercial multi-peril, marine, aviation, energy, construction, and specialty lines like terrorism, personal accident, and kidnap & ransom. It serves small, mid-sized, and large commercial customers through dedicated distribution channels (select, middle, national accounts). The Bond & Specialty Insurance segment focuses on surety, fidelity, and management/professional liability coverage, while the Personal Insurance segment primarily provides automobile and homeowners insurance to individuals. This three-pillar structure is typical of large diversified P&C insurers, balancing commercial and personal risk pools to manage underwriting volatility across economic cycles.
Travelers was founded in 1853 and is headquartered in New York, New York, with an IPO date of April 22, 1996. Its longevity in the insurance industry spans more than 170 years, reflecting long-standing underwriting expertise and agency relationships that are key competitive advantages in the P&C sector, where pricing power and loss reserve management are central to profitability.
- Catastrophe losses pressure combined ratio across all segments
- Personal Insurance auto underwriting margins improve on rate actions
- Investment portfolio income rises as fixed income yields remain elevated
- Commercial property pricing increases outpace loss cost trends in Business Insurance
| Net Income: 8.33b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.08 > 0.02 and ΔFCF/TA 0.56 > 1.0 |
| NWC/Revenue: 61.68% < 20% (prev 60.20%; Δ 1.48% < -1%) |
| CFO/TA 0.08 > 3% & CFO 10.7b > Net Income 8.33b |
| Net Debt (-86.5b) to EBITDA (11.5b): -7.51 < 3 |
| Current Ratio: 1.32 > 1.5 & < 3 |
| Outstanding Shares: last quarter (210.6m) vs 12m ago -7.43% < -2% |
| Gross Margin: 34.86% > 18% (prev 28.40%; Δ 6.45% > 0.5%) |
| Asset Turnover: 34.24% > 50% (prev 33.69%; Δ 0.55% > 0%) |
| Interest Coverage Ratio: 23.37 > 6 (EBIT TTM 10.8b / Interest Expense TTM 463.0m) |
| A: 0.21 (Total Current Assets 126b - Total Current Liabilities 95.5b) / Total Assets 142b |
| B: 0.42 (Retained Earnings 60.0b / Total Assets 142b) |
| C: 0.08 (EBIT TTM 10.8b / Avg Total Assets 143b) |
| D: 0.26 (Book Value of Equity 29.0b / Total Liabilities 113b) |
| Altman-Z'' = 3.55 = A |
| DSRI: 1.00 (Receivables 24.1b/23.8b, Revenue 48.9b/48.4b) |
| GMI: 0.81 (GM 28.40% / 34.86%) |
| AQI: 0.87 (AQ_t 0.11 / AQ_t-1 0.13) |
| SGI: 1.01 (Revenue 48.9b / 48.4b) |
| TATA: -0.02 (NI 8.33b - CFO 10.7b) / TA 142b) |
| Beneish M = -3.26 (Cap -4..+1) = AA |
As of November 04, 2026, the stock is trading at USD 395.41 with a total of 1,629,842 shares traded. Over the past week, the price has changed by -0.41%, over one month by +9.62%, over three months by +6.14% and over the past year by +49.99%.
Current recommended Stop Loss: 380.30 (which is 3.8% or 2 ATR below the current price).
The Travelers Companies has received a consensus analysts rating of 3.03. Therefore, it is recommended to hold TRV.
- StrongBuy: 5
- Buy: 1
- Hold: 17
- Sell: 2
- StrongSell: 4
| Analysts Target Price | 376.5 | -4.8% |
P/E Trailing = 10.4725
P/E Forward = 13.3869
P/S = 1.6681
P/B = 2.7844
P/EG = 2.6989
Revenue TTM = 48.9b USD
EBIT TTM = 10.8b USD
EBITDA TTM = 11.5b USD
Long Term Debt = 9.71b USD (from longTermDebt, last quarter)
Short Term Debt = 100.0m USD (from shortLongTermDebt, last quarter)
Debt = 9.81b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -86.5b USD (calculated: Debt 9.81b - CCE 96.3b)
Enterprise Value = 81.6b USD (floored to Market Cap, CCE > MCap+Debt)
Interest Coverage Ratio = 23.37 (Ebit TTM 10.8b / Interest Expense TTM 463.0m)
EV/FCF = 7.64x (Enterprise Value 81.6b / FCF TTM 10.7b)
FCF Yield = 13.08% (FCF TTM 10.7b / Enterprise Value 81.6b)
FCF Margin = 21.82% (FCF TTM 10.7b / Revenue TTM 48.9b)
Net Margin = 17.03% (Net Income TTM 8.33b / Revenue TTM 48.9b)
Gross Margin = 34.86% ((Revenue TTM 48.9b - Cost of Revenue TTM 31.9b) / Revenue TTM)
Gross Margin QoQ = 32.78% (prev 36.58%)
Tobins Q-Ratio = 0.57 (Enterprise Value 81.6b / Total Assets 142b)
Interest Expense / Debt = 4.72% (Interest Expense 463.0m / Debt 9.81b)
Taxrate = 19.56% (2.03b / 10.4b)
NOPAT = 8.70b (EBIT 10.8b * (1 - 19.56%))
Current Ratio = 1.32 (Total Current Assets 126b / Total Current Liabilities 95.5b)
Debt / Equity = 0.34 (Debt 9.81b / totalStockholderEquity, last quarter 29.0b)
Debt / EBITDA = -7.51 (Net Debt -86.5b / EBITDA 11.5b)
Debt / FCF = -8.10 (Net Debt -86.5b / FCF TTM 10.7b)
Total Stockholder Equity = 31.7b (last 4 quarters mean from totalStockholderEquity)
RoA = 5.83% (Net Income 8.33b / Total Assets 142b)
RoE = 26.24% (Net Income TTM 8.33b / Total Stockholder Equity 31.7b)
RoCE = 26.10% (EBIT 10.8b / Capital Employed (Equity 31.7b + L.T.Debt 9.71b))
RoIC = 19.60% (NOPAT 8.70b / Invested Capital 44.4b)
WACC = 5.14% (E(81.6b)/V(91.4b) * Re(5.30%) + D(9.81b)/V(91.4b) * Rd(4.72%) * (1-Tc(0.20)))
Discount Rate = 5.30% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -92.23 | Cagr: -4.12%
[DCF] Terminal Value 76.31% ; FCFF base≈10.4b ; Y1≈11.0b ; Y5≈13.1b
[DCF] Fair Price = 1.40k (EV 201b - Net Debt -86.5b = Equity 288b / Shares 204.9m; r=8.35% [WACC [floored]]; 5y FCF grow 6.93% → 2.50% )
EPS Correlation: 98.22 | EPS CAGR: 48.13% | SUE: 1.69 | # QB: 2
Revenue Correlation: 93.75 | Revenue CAGR: 6.17% | SUE: 0.82 | # QB: 0
EPS current Quarter (2027-03-31): EPS=7.84 | Chg30d=+1.39% | Revisions=+42% | Analysts=23
EPS current Year (2026-12-31): EPS=36.80 | Chg30d=+7.75% | Revisions=+84% | GrowthEPS=+33.4% | GrowthRev=-0.9%
EPS next Year (2027-12-31): EPS=31.11 | Chg30d=+2.65% | Revisions=+72% | GrowthEPS=-15.4% | GrowthRev=+2.0%
[Analyst] Revisions Ratio: +79% (up=37, down=3)