(TRV) The Travelers Companies - Ratings and Ratios

Exchange: NYSE • Country: United States • Currency: USD • Type: Common Stock • ISIN: US89417E1091

Commercial Property, Business Liability, Workers Compensation, Homeowners, Auto

Stock: Property & Casualty Insurance
Age 29.8y

MCap 61,088m
Avg Vol 1.53M (438M USD)

Beta 0.417
Volatility 21.47%

EPS (Earnings per Share)

EPS CAGR: 12.69%
EPS Trend: 22.9%

Last SUE: 1.88
Qual. Beats: 2

Revenue

Rev. CAGR: 9.05%
Rev. Trend: 98.4%

Last SUE: 0.98
Qual. Beats: 1

Dividends

Dividend Yield	1.63%
Yield on Cost 5y	3.29%
Yield CAGR 5y	5.66%
Payout Consistency	96.5%
Payout Ratio	16.9%

Risk via 5d forecast
Volatility	21.5%
Value at Risk 5%th	32.6%
Relative Tail Risk	-7.71%

Reward TTM
Sharpe Ratio	0.59
Alpha	6.61
CAGR/Max DD	0.91

Character TTM
Hurst Exponent	0.460
Beta	0.417
Beta Downside	0.383

Drawdowns 3y
Max DD	16.37%
Mean DD	5.45%
Median DD	4.89%

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
FCF/TA: 0.07 > 0.02 and ΔFCF/TA 0.18 > 1.0
NWC/Revenue: 16.08% < 20% (prev 242.7%; Δ -226.6% < -1%)
CFO/TA 0.07 > 3% & CFO 9.98b > Net Income 5.87b
Net Debt (8.54b) to EBITDA (10.06b): 0.85 < 3
Current Ratio: 3.03 > 1.5 & < 3
Outstanding Shares: last quarter (227.5m) vs 12m ago -1.34% < -2%
Gross Margin: 32.22% > 18% (prev 0.26%; Δ 3197 % > 0.5%)
Asset Turnover: 34.79% > 50% (prev 33.70%; Δ 1.10% > 0%)
Interest Coverage Ratio: 18.90 > 6 (EBITDA TTM 10.06b / Interest Expense TTM 407.0m)

Altman Z'' (< 1.1 .. > 2.6) 2.63

A: 0.05 (Total Current Assets 11.62b - Total Current Liabilities 3.84b) / Total Assets 143.68b
B: 0.37 (Retained Earnings 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)
Altman-Z'' Score: 2.63 = A

ValueRay F-Score (Strict, 0-100) 79.11

1. Piotroski: 7.0pt
2. FCF Yield: -46.47%
3. FCF Margin: 20.63%
4. Debt/Equity: 0.29
5. Debt/Ebitda: 0.85
6. ROIC - WACC: 9.87%
7. RoE: 20.05%
8. Revenue Trend: 98.44%
9. EPS Trend: 22.89%

What is the price of TRV shares?

As of January 22, 2026, the stock is trading at USD 272.65 with a total of 2,256,340 shares traded.
Over the past week, the price has changed by -0.03%, over one month by -6.51%, over three months by +1.63% and over the past year by +15.86%.

Is TRV a buy, sell or hold?

The Travelers Companies has received a consensus analysts rating of 3.39. Therefor, it is recommend to hold TRV.

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	299.5	9.8%
Analysts Target Price	299.5	9.8%
ValueRay Target Price	315.4	15.7%

TRV Fundamental Data Overview January 17, 2026

P/E Trailing = 10.6827
P/E Forward = 9.99
P/S = 1.262
P/B = 1.9247
P/EG = 2.6989
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 = -21.49b USD (61.09b + Debt 9.27b - CCE 91.84b)
Interest Coverage Ratio = 18.90 (Ebit TTM 7.69b / Interest Expense TTM 407.0m)
EV/FCF = -2.15x (Enterprise Value -21.49b / FCF TTM 9.98b)
FCF Yield = -46.47% (FCF TTM 9.98b / Enterprise Value -21.49b)
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 = -0.15 (set to none) (Enterprise Value -21.49b / 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 = 4.22% (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 = 6.60% (E(61.09b)/V(70.35b) * Re(7.45%) + D(9.27b)/V(70.35b) * Rd(1.20%) * (1-Tc(0.19)))
Discount Rate = 7.45% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 7.95%
Shares Correlation 3-Years: -100.0 | Cagr: -0.78%
[DCF Debug] Terminal Value 84.56% ; FCFF base≈9.64b ; Y1≈10.61b ; Y5≈13.61b
Fair Price DCF = 1422 (EV 325.65b - Net Debt 8.54b = Equity 317.11b / Shares 223.1m; r=6.60% [WACC]; 5y FCF grow 11.58% → 2.90% )
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=7.05 | Chg30d=+0.027 | Revisions Net=-2 | Analysts=19
EPS next Year (2026-12-31): EPS=26.77 | Chg30d=+0.080 | Revisions Net=-2 | Growth EPS=+7.0% | Growth Revenue=+3.5%

Additional Sources for TRV Stock

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