(TRV) The Travelers Companies - Ratings and Ratios
Commercial Insurance, Personal Insurance, Specialty Insurance
Dividends
| Dividend Yield | 1.84% |
| Yield on Cost 5y | 4.62% |
| Yield CAGR 5y | 5.34% |
| Payout Consistency | 93.5% |
| Payout Ratio | 16.9% |
| Risk via 10d forecast | |
|---|---|
| Volatility | 20.4% |
| Value at Risk 5%th | 31.5% |
| Relative Tail Risk | -6.31% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.46 |
| Alpha | 4.39 |
| CAGR/Max DD | 1.05 |
| Character TTM | |
|---|---|
| Hurst Exponent | 0.356 |
| Beta | 0.465 |
| Beta Downside | 0.508 |
| Drawdowns 3y | |
|---|---|
| Max DD | 17.15% |
| Mean DD | 5.64% |
| Median DD | 5.06% |
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.
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) 78.74
| 1. Piotroski 7.0pt |
| 2. FCF Yield -61.38% |
| 3. FCF Margin 20.63% |
| 4. Debt/Equity 0.29 |
| 5. Debt/Ebitda 0.85 |
| 6. ROIC - WACC (= 9.57)% |
| 7. RoE 20.05% |
| 8. Rev. Trend 98.47% |
| 9. EPS Trend 22.89% |
What is the price of TRV shares?
Over the past week, the price has changed by +0.69%, over one month by +9.02%, over three months by +7.57% and over the past year by +12.98%.
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 | 1.1% |
| Analysts Target Price | 296.1 | 1.1% |
| ValueRay Target Price | 344.8 | 17.7% |
TRV Fundamental Data Overview November 29, 2025
P/E Trailing = 11.5862
P/E Forward = 10.7875
P/S = 1.3699
P/B = 2.0784
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 = 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 = -16.27b USD (66.31b + Debt 9.27b - CCE 91.84b)
Interest Coverage Ratio = 18.90 (Ebit TTM 7.69b / Interest Expense TTM 407.0m)
FCF Yield = -61.38% (FCF TTM 9.98b / Enterprise Value -16.27b)
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 = -0.11 (set to none) (Enterprise Value -16.27b / 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 = 6.90% (E(66.31b)/V(75.57b) * Re(7.73%) + D(9.27b)/V(75.57b) * Rd(1.20%) * (1-Tc(0.19)))
Discount Rate = 7.73% (= 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: 98.47 | Revenue CAGR: 9.05% | SUE: 0.98 | # QB: 1
EPS next Quarter (2026-03-31): EPS=7.01 | Chg30d=+0.144 | Revisions Net=+8 | Analysts=18
EPS current Year (2025-12-31): EPS=24.74 | Chg30d=+0.944 | Revisions Net=+21 | Growth EPS=+14.6% | Growth Revenue=+4.8%
EPS next Year (2026-12-31): EPS=26.63 | Chg30d=+0.444 | Revisions Net=+19 | Growth EPS=+7.7% | Growth Revenue=+3.3%
Additional Sources for TRV Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle