(TRV) The Travelers Companies - Ratings and Ratios
Insurance, Liability, Property, Casualty, Surety
TRV EPS (Earnings per Share)
TRV Revenue
Description: TRV The Travelers Companies
The Travelers Companies Inc (NYSE:TRV) is a leading provider of commercial and personal property, and casualty insurance products and services. The company operates through three main segments: Business Insurance, Bond & Specialty Insurance, and Personal Insurance, catering to a diverse range of clients including businesses, government units, associations, and individuals.
The companys Business Insurance segment is a significant contributor, offering a wide range of insurance products such as workers compensation, commercial automobile and property, and general liability insurance, primarily to small, mid-sized, and large businesses. The Bond & Specialty Insurance segment provides surety, fidelity, and professional liability insurance, while the Personal Insurance segment offers property and casualty insurance to individuals.
From a financial perspective, key performance indicators (KPIs) such as Return on Equity (RoE) of 15.73% indicate a strong ability to generate profits from shareholders equity. The companys Price-to-Earnings (P/E) ratio of 13.94 and forward P/E of 14.58 suggest a relatively stable valuation. With a market capitalization of $57.99 billion, TRV is a significant player in the Property & Casualty Insurance industry.
Additional KPIs that can be used to evaluate TRVs performance include the loss ratio, expense ratio, and combined ratio, which are crucial metrics for insurance companies. A lower loss ratio and expense ratio typically indicate better profitability, while a combined ratio below 100% suggests an underwriting profit. Analyzing these metrics in conjunction with the companys segment-wise performance can provide a comprehensive understanding of TRVs financial health and operational efficiency.
To further assess TRVs investment potential, it is essential to examine its revenue growth, net income margin, and dividend yield. A stable or increasing dividend yield can be attractive to income-seeking investors. Moreover, evaluating the companys risk management practices, reinsurance coverage, and exposure to catastrophic events can help investors understand potential risks and opportunities associated with investing in TRV.
TRV Stock Overview
| Market Cap in USD | 62,909m |
| Sub-Industry | Property & Casualty Insurance |
| IPO / Inception | 1996-04-22 |
TRV Stock Ratings
| Growth Rating | 88.6% |
| Fundamental | 75.1% |
| Dividend Rating | 59.5% |
| Return 12m vs S&P 500 | 1.73% |
| Analyst Rating | 3.39 of 5 |
TRV Dividends
| Dividend Yield 12m | 1.61% |
| Yield on Cost 5y | 4.16% |
| Annual Growth 5y | 4.25% |
| Payout Consistency | 96.5% |
| Payout Ratio | 18.9% |
TRV Growth Ratios
| Growth Correlation 3m | 66.2% |
| Growth Correlation 12m | 77% |
| Growth Correlation 5y | 94.7% |
| CAGR 5y | 22.34% |
| CAGR/Max DD 3y | 1.30 |
| CAGR/Mean DD 3y | 4.57 |
| Sharpe Ratio 12m | -0.29 |
| Alpha | 1.68 |
| Beta | 0.751 |
| Volatility | 21.95% |
| Current Volume | 852.1k |
| Average Volume 20d | 1089.1k |
| Stop Loss | 270.5 (-3%) |
| Signal | 0.31 |
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) 75.12
| 1. Piotroski 8.0pt = 3.0 |
| 2. FCF Yield -44.61% = -5.0 |
| 3. FCF Margin 20.13% = 5.03 |
| 4. Debt/Equity 0.28 = 2.46 |
| 5. Debt/Ebitda 1.10 = 1.63 |
| 6. ROIC - WACC 7.48% = 9.35 |
| 7. RoE 18.53% = 1.54 |
| 8. Rev. Trend 97.51% = 4.88 |
| 9. Rev. CAGR 10.08% = 1.26 |
| 10. EPS Trend 38.85% = 0.97 |
| 11. EPS CAGR 0.0% = 0.0 |
What is the price of TRV shares?
Over the past week, the price has changed by +1.76%, over one month by +6.11%, over three months by +5.30% and over the past year by +21.12%.
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 306.04 USD . This means that TRV is currently overvalued and has a potential downside of 9.72%.
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 | 291.2 | 4.4% |
| Analysts Target Price | 291.2 | 4.4% |
| ValueRay Target Price | 339.3 | 21.6% |
Last update: 2025-09-06 05:04
TRV Fundamental Data Overview
CCE Cash And Equivalents = 92.84b USD (Cash And Short Term Investments, last quarter)
P/E Trailing = 12.3532
P/E Forward = 10.661
P/S = 1.315
P/B = 2.1092
P/EG = 2.6653
Beta = 0.543
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 = 8.33b USD (Calculated: Short Term 300.0m + Long Term 8.03b)
Net Debt = 7.51b USD (from netDebt column, last quarter)
Enterprise Value = -21.59b USD (62.91b + Debt 8.33b - CCE 92.84b)
Interest Coverage Ratio = 17.51 (Ebit TTM 6.90b / Interest Expense TTM 394.0m)
FCF Yield = -44.61% (FCF TTM 9.63b / Enterprise Value -21.59b)
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)
Tobins Q-Ratio = -0.30 (set to none) (Enterprise Value -21.59b / Book Value Of Equity 72.68b)
Interest Expense / Debt = 1.19% (Interest Expense 99.0m / Debt 8.33b)
Taxrate = 19.11% (1.18b / 6.18b)
NOPAT = 5.58b (EBIT 6.90b * (1 - 19.11%))
Current Ratio = 3.14 (Total Current Assets 12.04b / Total Current Liabilities 3.84b)
Debt / Equity = 0.28 (Debt 8.33b / last Quarter total Stockholder Equity 29.52b)
Debt / EBITDA = 1.10 (Net Debt 7.51b / EBITDA 7.59b)
Debt / FCF = 0.87 (Debt 8.33b / FCF TTM 9.63b)
Total Stockholder Equity = 28.32b (last 4 quarters mean)
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 / (Equity 28.32b + L.T.Debt 8.03b))
RoIC = 15.35% (NOPAT 5.58b / Invested Capital 36.35b)
WACC = 7.87% (E(62.91b)/V(71.24b) * Re(8.78%)) + (D(8.33b)/V(71.24b) * Rd(1.19%) * (1-Tc(0.19)))
Shares Correlation 3-Years: -62.60 | Cagr: -0.33%
Discount Rate = 8.78% (= CAPM, Blume Beta Adj.)
[DCF Debug] Terminal Value 77.11% ; FCFE base≈9.09b ; Y1≈10.01b ; Y5≈12.88b
Fair Price DCF = 867.7 (DCF Value 195.36b / Shares Outstanding 225.1m; 5y FCF grow 11.58% → 3.0% )
Revenue Correlation: 97.51 | Revenue CAGR: 10.08%
Rev Growth-of-Growth: -4.61
EPS Correlation: 38.85 | EPS CAGR: 0.0%
EPS Growth-of-Growth: -7.16
Additional Sources for TRV Stock
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