(TRV) The Travelers Companies - Ratings and Ratios
Commercial Insurance, Personal Insurance, Specialty Insurance
TRV EPS (Earnings per Share)
TRV Revenue
Description: TRV The Travelers Companies
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.
TRV Stock Overview
| Market Cap in USD | 61,779m |
| Sub-Industry | Property & Casualty Insurance |
| IPO / Inception | 1996-04-22 |
TRV Stock Ratings
| Growth Rating | 87.0% |
| Fundamental | 78.0% |
| Dividend Rating | 58.6% |
| Return 12m vs S&P 500 | -0.34% |
| Analyst Rating | 3.39 of 5 |
TRV Dividends
| Dividend Yield 12m | 1.59% |
| Yield on Cost 5y | 4.23% |
| Annual Growth 5y | 5.34% |
| Payout Consistency | 96.5% |
| Payout Ratio | 18.9% |
TRV Growth Ratios
| Growth Correlation 3m | 85.8% |
| Growth Correlation 12m | 77.3% |
| Growth Correlation 5y | 94.7% |
| CAGR 5y | 20.45% |
| CAGR/Max DD 3y (Calmar Ratio) | 1.19 |
| CAGR/Mean DD 3y (Pain Ratio) | 3.69 |
| Sharpe Ratio 12m | -0.32 |
| Alpha | 8.27 |
| Beta | 0.519 |
| Volatility | 28.34% |
| Current Volume | 854.3k |
| Average Volume 20d | 876.8k |
| Stop Loss | 262.2 (-3%) |
| Signal | 0.50 |
Piotroski VR‑10 (Strict, 0-10) 8.0
| Net Income (5.25b TTM) > 0 and > 6% of Revenue (6% = 2.87b TTM) |
| FCFTA 0.07 (>2.0%) and ΔFCFTA 0.53pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue 17.15% (prev 236.7%; Δ -219.6pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.07 (>3.0%) and CFO 9.63b > Net Income 5.25b (YES >=105%, WARN >=100%) |
| Net Debt (7.51b) to EBITDA (7.59b) ratio: 0.99 <= 3.0 (WARN <= 3.5) |
| Current Ratio 3.14 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (229.3m) change vs 12m ago -0.95% (target <= -2.0% for YES) |
| Gross Margin 26.84% (prev 23.60%; Δ 3.24pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 35.68% (prev 34.09%; Δ 1.59pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 17.51 (EBITDA TTM 7.59b / Interest Expense TTM 394.0m) >= 6 (WARN >= 3) |
Altman Z'' 2.63
| (A) 0.06 = (Total Current Assets 12.04b - Total Current Liabilities 3.84b) / Total Assets 138.87b |
| (B) 0.37 = Retained Earnings (Balance) 51.04b / Total Assets 138.87b |
| (C) 0.05 = EBIT TTM 6.90b / Avg Total Assets 134.09b |
| (D) 0.66 = Book Value of Equity 72.68b / Total Liabilities 109.36b |
| Total Rating: 2.63 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 78.02
| 1. Piotroski 8.0pt = 3.0 |
| 2. FCF Yield -41.84% = -5.0 |
| 3. FCF Margin 20.13% = 5.03 |
| 4. Debt/Equity 0.27 = 2.46 |
| 5. Debt/Ebitda 0.99 = 1.78 |
| 6. ROIC - WACC (= 8.09)% = 10.11 |
| 7. RoE 18.53% = 1.54 |
| 8. Rev. Trend 97.51% = 7.31 |
| 9. EPS Trend 35.50% = 1.78 |
What is the price of TRV shares?
Over the past week, the price has changed by -4.37%, over one month by -2.14%, over three months by +6.26% and over the past year by +14.46%.
Is The Travelers Companies a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of TRV is around 292.97 USD . This means that TRV is currently overvalued and has a potential downside of 8.35%.
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 | 295.4 | 9.3% |
| Analysts Target Price | 295.4 | 9.3% |
| ValueRay Target Price | 322.6 | 19.3% |
Last update: 2025-10-11 05:04
TRV Fundamental Data Overview
P/E Trailing = 12.1367
P/E Forward = 10.7991
P/S = 1.2914
P/B = 2.1359
P/EG = 2.6989
Beta = 0.519
Revenue TTM = 47.84b USD
EBIT TTM = 6.90b USD
EBITDA TTM = 7.59b USD
Long Term Debt = 8.03b USD (from longTermDebt, last quarter)
Short Term Debt = 300.0m USD (from shortTermDebt, last quarter)
Debt = 8.03b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 7.51b USD (from netDebt column, last quarter)
Enterprise Value = -23.03b USD (61.78b + Debt 8.03b - CCE 92.84b)
Interest Coverage Ratio = 17.51 (Ebit TTM 6.90b / Interest Expense TTM 394.0m)
FCF Yield = -41.84% (FCF TTM 9.63b / Enterprise Value -23.03b)
FCF Margin = 20.13% (FCF TTM 9.63b / Revenue TTM 47.84b)
Net Margin = 10.97% (Net Income TTM 5.25b / Revenue TTM 47.84b)
Gross Margin = 26.84% ((Revenue TTM 47.84b - Cost of Revenue TTM 35.00b) / Revenue TTM)
Gross Margin QoQ = 29.09% (prev 17.15%)
Tobins Q-Ratio = -0.17 (set to none) (Enterprise Value -23.03b / Total Assets 138.87b)
Interest Expense / Debt = 1.23% (Interest Expense 99.0m / Debt 8.03b)
Taxrate = 19.78% (372.0m / 1.88b)
NOPAT = 5.53b (EBIT 6.90b * (1 - 19.78%))
Current Ratio = 3.14 (Total Current Assets 12.04b / Total Current Liabilities 3.84b)
Debt / Equity = 0.27 (Debt 8.03b / totalStockholderEquity, last quarter 29.52b)
Debt / EBITDA = 0.99 (Net Debt 7.51b / EBITDA 7.59b)
Debt / FCF = 0.78 (Net Debt 7.51b / FCF TTM 9.63b)
Total Stockholder Equity = 28.32b (last 4 quarters mean from totalStockholderEquity)
RoA = 3.78% (Net Income 5.25b / Total Assets 138.87b)
RoE = 18.53% (Net Income TTM 5.25b / Total Stockholder Equity 28.32b)
RoCE = 18.97% (EBIT 6.90b / Capital Employed (Equity 28.32b + L.T.Debt 8.03b))
RoIC = 15.22% (NOPAT 5.53b / Invested Capital 36.35b)
WACC = 7.13% (E(61.78b)/V(69.81b) * Re(7.93%) + D(8.03b)/V(69.81b) * Rd(1.23%) * (1-Tc(0.20)))
Discount Rate = 7.93% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 8.05%
Shares Correlation 3-Years: -100.0 | Cagr: -0.39%
[DCF Debug] Terminal Value 79.63% ; FCFE base≈9.09b ; Y1≈10.01b ; Y5≈12.88b
Fair Price DCF = 994.7 (DCF Value 223.94b / Shares Outstanding 225.1m; 5y FCF grow 11.58% → 3.0% )
EPS Correlation: 35.50 | EPS CAGR: 48.36% | SUE: 1.84 | # QB: 1
Revenue Correlation: 97.51 | Revenue CAGR: 10.08% | SUE: 0.79 | # QB: 0
Additional Sources for TRV Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle