(TRV) The Travelers Companies - Overview
Stock: Commercial, Personal, Property, Casualty, Insurance
| Risk 5d forecast | |
|---|---|
| Volatility | 19.8% |
| Relative Tail Risk | -7.12% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 1.07 |
| Alpha | 19.73 |
| Character TTM | |
|---|---|
| Beta | 0.417 |
| Beta Downside | 0.443 |
| Drawdowns 3y | |
|---|---|
| Max DD | 13.31% |
| CAGR/Max DD | 1.54 |
EPS (Earnings per Share)
Revenue
Description: TRV The Travelers Companies January 27, 2026
Travelers (NYSE: TRV) is a diversified property-and-casualty insurer that serves commercial, government, association and individual customers in the U.S. and abroad. Its operations are organized into three segments: Business Insurance (commercial lines such as workers’ compensation, liability, marine and energy), Bond & Specialty Insurance (surety, fidelity and professional-liability coverages) and Personal Insurance (auto and homeowners policies).
In its most recent fiscal year (FY 2025, filed February 2026), Travelers reported $53.5 billion in net written premiums, a combined ratio of 92.5 % and net income of $5.1 billion, translating to earnings per share of $13.20 and a return on equity of 13.8 %. The stock trades at roughly a 12.4 × forward price-to-earnings multiple, modestly below the sector median of 13.1 ×, suggesting a slight valuation discount relative to peers.
Key drivers for Travelers this year include (1) a 4.2 % year-over-year increase in commercial lines premium growth, buoyed by higher demand for cyber-risk and construction insurance; (2) rising reinsurance costs-driven by an above-average U.S. catastrophe loss year in 2024-which compressed underwriting profitability but were partially offset by a 1.8 % rise in investment income as the Federal Funds rate held near 5.25 %; and (3) a tightening labor market that lifted workers-compensation claim frequencies, prompting the company to adjust pricing in select state markets.
For a deeper quantitative dive, the ValueRay platform provides a granular, data-driven view of Travelers’ valuation metrics and scenario analyses.
Piotroski VR‑10 (Strict, 0-10) 8.0
| Net Income: 6.29b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.07 > 0.02 and ΔFCF/TA 0.57 > 1.0 |
| NWC/Revenue: -143.9% < 20% (prev 234.3%; Δ -378.2% < -1%) |
| CFO/TA 0.07 > 3% & CFO 10.61b > Net Income 6.29b |
| Net Debt (8.43b) to EBITDA (8.90b): 0.95 < 3 |
| Current Ratio: 0.23 > 1.5 & < 3 |
| Outstanding Shares: last quarter (224.0m) vs 12m ago -2.90% < -2% |
| Gross Margin: 36.92% > 18% (prev 0.27%; Δ 3665 % > 0.5%) |
| Asset Turnover: 35.27% > 50% (prev 34.86%; Δ 0.41% > 0%) |
| Interest Coverage Ratio: 19.34 > 6 (EBITDA TTM 8.90b / Interest Expense TTM 425.0m) |
Altman Z'' -0.82
| A: -0.49 (Total Current Assets 21.44b - Total Current Liabilities 91.72b) / Total Assets 143.71b |
| B: 0.38 (Retained Earnings 54.93b / Total Assets 143.71b) |
| C: 0.06 (EBIT TTM 8.22b / Avg Total Assets 138.45b) |
| D: 0.71 (Book Value of Equity 78.34b / Total Liabilities 110.81b) |
| Altman-Z'' Score: -0.82 = CCC |
Beneish M -0.77
| DSRI: 0.63 (Receivables 14.88b/22.28b, Revenue 48.83b/46.43b) |
| GMI: 0.72 (GM 36.92% / 26.70%) |
| AQI: 5.72 (AQ_t 0.84 / AQ_t-1 0.15) |
| SGI: 1.05 (Revenue 48.83b / 46.43b) |
| TATA: -0.03 (NI 6.29b - CFO 10.61b) / TA 143.71b) |
| Beneish M-Score: -0.77 (Cap -4..+1) = D |
What is the price of TRV shares?
Over the past week, the price has changed by +3.64%, over one month by +13.10%, over three months by +6.35% and over the past year by +28.46%.
Is TRV a buy, sell or hold?
- StrongBuy: 3
- Buy: 6
- Hold: 11
- Sell: 3
- StrongSell: 0
What are the forecasts/targets for the TRV price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 302.1 | -0.9% |
| Analysts Target Price | 302.1 | -0.9% |
TRV Fundamental Data Overview February 21, 2026
P/E Forward = 10.7991
P/S = 1.37
P/B = 1.9715
P/EG = 2.6989
Revenue TTM = 48.83b USD
EBIT TTM = 8.22b USD
EBITDA TTM = 8.90b USD
Long Term Debt = 9.27b 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 = 8.43b USD (from netDebt column, last quarter)
Enterprise Value = 69.61b USD (66.90b + Debt 9.27b - CCE 6.56b)
Interest Coverage Ratio = 19.34 (Ebit TTM 8.22b / Interest Expense TTM 425.0m)
EV/FCF = 6.56x (Enterprise Value 69.61b / FCF TTM 10.61b)
FCF Yield = 15.24% (FCF TTM 10.61b / Enterprise Value 69.61b)
FCF Margin = 21.72% (FCF TTM 10.61b / Revenue TTM 48.83b)
Net Margin = 12.88% (Net Income TTM 6.29b / Revenue TTM 48.83b)
Gross Margin = 36.92% ((Revenue TTM 48.83b - Cost of Revenue TTM 30.80b) / Revenue TTM)
Gross Margin QoQ = 53.09% (prev 47.12%)
Tobins Q-Ratio = 0.48 (Enterprise Value 69.61b / Total Assets 143.71b)
Interest Expense / Debt = 1.25% (Interest Expense 116.0m / Debt 9.27b)
Taxrate = 19.56% (607.0m / 3.10b)
NOPAT = 6.61b (EBIT 8.22b * (1 - 19.56%))
Current Ratio = 0.23 (Total Current Assets 21.44b / Total Current Liabilities 91.72b)
Debt / Equity = 0.28 (Debt 9.27b / totalStockholderEquity, last quarter 32.89b)
Debt / EBITDA = 0.95 (Net Debt 8.43b / EBITDA 8.90b)
Debt / FCF = 0.79 (Net Debt 8.43b / FCF TTM 10.61b)
Total Stockholder Equity = 30.55b (last 4 quarters mean from totalStockholderEquity)
RoA = 4.54% (Net Income 6.29b / Total Assets 143.71b)
RoE = 20.58% (Net Income TTM 6.29b / Total Stockholder Equity 30.55b)
RoCE = 20.65% (EBIT 8.22b / Capital Employed (Equity 30.55b + L.T.Debt 9.27b))
RoIC = 16.87% (NOPAT 6.61b / Invested Capital 39.20b)
WACC = 6.67% (E(66.90b)/V(76.16b) * Re(7.45%) + D(9.27b)/V(76.16b) * Rd(1.25%) * (1-Tc(0.20)))
Discount Rate = 7.45% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 7.95%
Shares Correlation 3-Years: -100.0 | Cagr: -1.55%
[DCF Debug] Terminal Value 84.53% ; FCFF base≈9.99b ; Y1≈11.26b ; Y5≈15.12b
Fair Price DCF = 1598 (EV 353.95b - Net Debt 8.43b = Equity 345.53b / Shares 216.2m; r=6.67% [WACC]; 5y FCF grow 14.69% → 2.90% )
EPS Correlation: 38.61 | EPS CAGR: 29.51% | SUE: 2.49 | # QB: 3
Revenue Correlation: 98.11 | Revenue CAGR: 9.62% | SUE: 3.69 | # QB: 2
EPS next Quarter (2026-03-31): EPS=6.90 | Chg30d=-0.155 | Revisions Net=+4 | Analysts=22
EPS current Year (2026-12-31): EPS=27.24 | Chg30d=+0.455 | Revisions Net=+10 | Growth EPS=-1.3% | Growth Revenue=+2.0%
EPS next Year (2027-12-31): EPS=28.27 | Chg30d=+0.296 | Revisions Net=+10 | Growth EPS=+3.8% | Growth Revenue=+2.9%