(TRV) The Travelers Companies - Overview

Sector: Financial Services | Industry: Insurance - Property & Casualty | Exchange: NYSE (USA) | Market Cap: 65.578m USD | Total Return: 28.2% in 12m

Property, Casualty, Insurance, Bonds, Surety
Total Rating 64
Safety 27
Buy Signal 0.24
Insurance - Property & Casualty
Industry Rotation: -2.6
Market Cap: 65.6B
Avg Turnover: 385M USD
ATR: 2.01%
Peers RS (IBD): 77.2
Risk 5d forecast
Volatility19.8%
Rel. Tail Risk-7.72%
Reward TTM
Sharpe Ratio0.96
Alpha3.22
Character TTM
Beta0.323
Beta Downside0.625
Drawdowns 3y
Max DD13.02%
CAGR/Max DD1.67
EPS (Earnings per Share) EPS (Earnings per Share) of TRV over the last years for every Quarter: "2021-03": 2.73, "2021-06": 3.45, "2021-09": 2.6, "2021-12": 5.2, "2022-03": 4.22, "2022-06": 2.57, "2022-09": 2.2, "2022-12": 3.4, "2023-03": 3.21, "2023-06": 0.06, "2023-09": 1.95, "2023-12": 7.01, "2024-03": 4.69, "2024-06": 2.51, "2024-09": 5.24, "2024-12": 9.15, "2025-03": 1.91, "2025-06": 6.51, "2025-09": 8.14, "2025-12": 11.13,
EPS CAGR: 29.51%
EPS Trend: 38.6%
Last SUE: 2.49
Qual. Beats: 3
Revenue Revenue of TRV over the last years for every Quarter: 2021-03: 8313, 2021-06: 8687, 2021-09: 8805, 2021-12: 9011, 2022-03: 8809, 2022-06: 9136, 2022-09: 9303, 2022-12: 9639, 2023-03: 9704, 2023-06: 10098, 2023-09: 10635, 2023-12: 10936, 2024-03: 11228, 2024-06: 11283, 2024-09: 11904, 2024-12: 12013, 2025-03: 11810, 2025-06: 12116, 2025-09: 12470, 2025-12: 12432,
Rev. CAGR: 9.62%
Rev. Trend: 98.1%
Last SUE: 3.69
Qual. Beats: 2

Warnings

No concerns identified

Tailwinds

No distinct edge detected

Description: TRV The Travelers Companies

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.

Headlines to Watch Out For
  • Catastrophe losses significantly impact underwriting profitability
  • Investment income fluctuations affect overall earnings
  • Commercial lines pricing power drives revenue growth
  • Personal auto and home insurance market competition
  • Regulatory changes influence insurance product offerings
Piotroski VR‑10 (Strict) 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 (2.71b) to EBITDA (8.90b): 0.30 < 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 3.67k% > 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 April 08, 2026, the stock is trading at USD 295.05 with a total of 894,012 shares traded.
Over the past week, the price has changed by +1.16%, over one month by -2.33%, over three months by +4.57% and over the past year by +28.18%.
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?
Analysts Target Price 303.5 2.8%
The Travelers Companies (TRV) - Fundamental Data Overview as of 04 April 2026
P/E Trailing = 10.7178
P/E Forward = 10.4167
P/S = 1.343
P/B = 1.9099
P/EG = 2.3596
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 = 2.71b USD (recalculated: Debt 9.27b - CCE 6.56b)
Enterprise Value = 68.29b USD (65.58b + Debt 9.27b - CCE 6.56b)
Interest Coverage Ratio = 19.34 (Ebit TTM 8.22b / Interest Expense TTM 425.0m)
EV/FCF = 6.44x (Enterprise Value 68.29b / FCF TTM 10.61b)
FCF Yield = 15.53% (FCF TTM 10.61b / Enterprise Value 68.29b)
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 68.29b / 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 = 0.30 (Net Debt 2.71b / EBITDA 8.90b)
Debt / FCF = 0.26 (Net Debt 2.71b / 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 = 6.36% (E(65.58b)/V(74.85b) * Re(7.12%) + D(9.27b)/V(74.85b) * Rd(1.25%) * (1-Tc(0.20)))
Discount Rate = 7.12% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 7.92%
Shares Correlation 3-Years: -100.0 | Cagr: -1.55%
[DCF] Terminal Value 86.05% ; FCFF base≈9.99b ; Y1≈11.26b ; Y5≈15.16b
[DCF] Fair Price = 1.82k (EV 396.29b - Net Debt 2.71b = Equity 393.58b / Shares 216.2m; r=6.36% [WACC]; 5y FCF grow 14.69% → 3.0% )
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=4.87 | Chg7d=+0.002 | Chg30d=+0.009 | Revisions Net=-2 | Analysts=23
EPS current Year (2026-12-31): EPS=27.22 | Chg7d=+0.006 | Chg30d=-0.019 | Revisions Net=+1 | Growth EPS=-1.4% | Growth Revenue=+1.9%
EPS next Year (2027-12-31): EPS=28.32 | Chg7d=+0.007 | Chg30d=+0.046 | Revisions Net=+1 | Growth EPS=+4.1% | Growth Revenue=+2.7%
[Analyst] Revisions Ratio: -1.00 (0 Up / 2 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = -1.4% (Discount Rate 7.9% - Earnings Yield 9.3%)
[Growth] Growth Spread = +3.7% (Analyst 2.3% - Implied -1.4%)
External Resources
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