(TRV) The Travelers Companies - Overview
Exchange: NYSE •
Country: United States •
Currency: USD •
Type: Common Stock •
ISIN: US89417E1091
Stock: Property, Casualty, Insurance, Bonds, Surety
Total Rating 56
Risk 29
Buy Signal 0.57
| Risk 5d forecast | |
|---|---|
| Volatility | 20.7% |
| Relative Tail Risk | -7.26% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.84 |
| Alpha | 12.53 |
| Character TTM | |
|---|---|
| Beta | 0.319 |
| Beta Downside | 0.704 |
| Drawdowns 3y | |
|---|---|
| Max DD | 13.02% |
| CAGR/Max DD | 1.74 |
EPS (Earnings per Share)
Revenue
Description: TRV The Travelers Companies March 04, 2026
The Travelers Companies, Inc. (TRV) provides property and casualty insurance. The company operates in the United States, Canada, and other international markets. Property and casualty insurance is a foundational component of financial risk management for businesses and individuals.
TRV has three segments: Business Insurance, Bond & Specialty Insurance, and Personal Insurance. The Business Insurance segment offers various commercial coverages, including workers compensation and commercial property insurance, distributed through brokers and agents. The Bond & Specialty Insurance segment focuses on surety, fidelity, and professional liability. The Personal Insurance segment provides automobile and homeowners insurance, which are common personal lines of coverage.
TRV was founded in 1853 and is headquartered in New York, New York. To understand the companys financial health and market position, further research on ValueRay is recommended.
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?
As of March 07, 2026, the stock is trading at USD 306.31 with a total of 1,191,966 shares traded.
Over the past week, the price has changed by -0.75%, over one month by +1.60%, over three months by +9.88% and over the past year by +21.59%.
Over the past week, the price has changed by -0.75%, over one month by +1.60%, over three months by +9.88% and over the past year by +21.59%.
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.
- 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 | 302.8 | -1.2% |
| Analysts Target Price | 302.8 | -1.2% |
TRV Fundamental Data Overview March 06, 2026
P/E Trailing = 11.3755
P/E Forward = 11.2486
P/S = 1.4255
P/B = 2.0442
P/EG = 2.3929
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 = 72.31b USD (69.60b + Debt 9.27b - CCE 6.56b)
Interest Coverage Ratio = 19.34 (Ebit TTM 8.22b / Interest Expense TTM 425.0m)
EV/FCF = 6.82x (Enterprise Value 72.31b / FCF TTM 10.61b)
FCF Yield = 14.67% (FCF TTM 10.61b / Enterprise Value 72.31b)
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 = 0.50 (Enterprise Value 72.31b / 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 = 6.38% (E(69.60b)/V(78.87b) * Re(7.09%) + D(9.27b)/V(78.87b) * Rd(1.25%) * (1-Tc(0.20)))
Discount Rate = 7.09% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 7.95%
Shares Correlation 3-Years: -100.0 | Cagr: -1.55%
[DCF] Terminal Value 85.62% ; FCFF base≈9.99b ; Y1≈11.26b ; Y5≈15.12b
[DCF] Fair Price = 1736 (EV 383.90b - Net Debt 8.43b = Equity 375.47b / Shares 216.2m; r=6.38% [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 (2026-06-30): EPS=4.86 | Chg7d=+0.010 | Chg30d=+0.011 | Revisions Net=+3 | Analysts=22
EPS current Year (2026-12-31): EPS=27.24 | Chg7d=+0.013 | Chg30d=+0.038 | Revisions Net=+16 | Growth EPS=-1.3% | Growth Revenue=+2.0%
EPS next Year (2027-12-31): EPS=28.27 | Chg7d=-0.040 | Chg30d=+0.132 | Revisions Net=+11 | Growth EPS=+3.8% | Growth Revenue=+2.9%
[Analyst] Revisions Ratio: +0.18 (10 Up / 7 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = -0.8% (Discount Rate 7.9% - Earnings Yield 8.8%)
[Growth] Growth Spread = +3.1% (Analyst 2.3% - Implied -0.8%)
P/E Forward = 11.2486
P/S = 1.4255
P/B = 2.0442
P/EG = 2.3929
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 = 72.31b USD (69.60b + Debt 9.27b - CCE 6.56b)
Interest Coverage Ratio = 19.34 (Ebit TTM 8.22b / Interest Expense TTM 425.0m)
EV/FCF = 6.82x (Enterprise Value 72.31b / FCF TTM 10.61b)
FCF Yield = 14.67% (FCF TTM 10.61b / Enterprise Value 72.31b)
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 = 0.50 (Enterprise Value 72.31b / 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 = 6.38% (E(69.60b)/V(78.87b) * Re(7.09%) + D(9.27b)/V(78.87b) * Rd(1.25%) * (1-Tc(0.20)))
Discount Rate = 7.09% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 7.95%
Shares Correlation 3-Years: -100.0 | Cagr: -1.55%
[DCF] Terminal Value 85.62% ; FCFF base≈9.99b ; Y1≈11.26b ; Y5≈15.12b
[DCF] Fair Price = 1736 (EV 383.90b - Net Debt 8.43b = Equity 375.47b / Shares 216.2m; r=6.38% [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 (2026-06-30): EPS=4.86 | Chg7d=+0.010 | Chg30d=+0.011 | Revisions Net=+3 | Analysts=22
EPS current Year (2026-12-31): EPS=27.24 | Chg7d=+0.013 | Chg30d=+0.038 | Revisions Net=+16 | Growth EPS=-1.3% | Growth Revenue=+2.0%
EPS next Year (2027-12-31): EPS=28.27 | Chg7d=-0.040 | Chg30d=+0.132 | Revisions Net=+11 | Growth EPS=+3.8% | Growth Revenue=+2.9%
[Analyst] Revisions Ratio: +0.18 (10 Up / 7 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = -0.8% (Discount Rate 7.9% - Earnings Yield 8.8%)
[Growth] Growth Spread = +3.1% (Analyst 2.3% - Implied -0.8%)