Travelers Companies (TRV)

Financials · $81.0B market cap · SEC CIK 0000086312

Next reports on Jan 19, 2027, after the close, with analysts expecting $9.98 in earnings per share.

52-week range $268.00 to $418.00. 4% below its 52-week high and 50% above its low.

The case for TRV

• Cheap for its growth: 9.7× earnings, where 10%+ a year of growth plus a 2.3% dividend would justify about 26×.
• Earns 26% back on shareholder equity.
• Earnings per share up 50.0%.
• Moves less than the market (beta 0.40).
• Pays a modest 2.3% dividend.
• Up 41.2% over the past year.

The case against

• Revenue grew only 1.1%, roughly the pace of inflation.
• Weakest against its peers: net margin of 17% is thinner than 57% of Financials companies.

What the score is made of

Each factor is half a curve over reported figures and half a rank among the other Financials companies (momentum is judged against fixed thresholds only), and the five are blended by weight. The score is where that blend places it in the S&P 500. It describes the last filing and the current price. It is not a forecast.

• Its debt and cash flow are not scored, as for every company in the Financials sector: for banks, insurers and brokers, borrowing is the business.
• Each factor except momentum is half fixed thresholds, half rank among the 76 Financials companies.

The financials

The financials, five years deep

Pulled from Travelers Companies's XBRL filings on SEC EDGAR. Italic rows are worked out from the others.

What Travelers Companies says it does

The Travelers Companies, Inc. (together with its consolidated subsidiaries, the Company) is a holding company principally engaged, through its subsidiaries, in providing a wide range of commercial and personal property and casualty insurance products and services to businesses, government units, associations and individuals. The Company is incorporated as a general business corporation under the laws of the State of Minnesota and is one of the oldest insurance organizations in the United States, dating back to 1853. The principal executive offices of the Company are located at 485 Lexington Avenue, New York, New York 10017, and its telephone number is (917) 778-6000. The Company also maintains executive offices in Hartford, Connecticut and St. Paul, Minnesota. The term “TRV” in this document refers to The Travelers Companies, Inc., the parent holding company excluding subsidiaries. PROPERTY AND CASUALTY INSURANCE OPERATIONS The…

Risk factors TRV lists in its 10-K

• Our business could be harmed because of our continued exposure to asbestos claims and related litigation
• We are exposed to, and may face adverse developments involving, mass tort claims such as those relating to exposure to potentially harmful products or substances
• During or following a period of financial market disruption or an economic downturn, our business could be materially and adversely affected
• Our investment portfolio is subject to credit and interest rate risk, and may suffer reduced or low returns or material realized or unrealized losses
• We are exposed to credit risk in certain of our insurance operations and with respect to certain guarantee or indemnification arrangements that we have with third parties
• A downgrade in our claims-paying and financial strength ratings could adversely impact our business volumes, adversely impact our ability to access the capital markets and increase our borrowing costs
• The inability of our insurance subsidiaries to pay dividends to our holding company in sufficient amounts would harm our ability to meet our obligations, pay future shareholder dividends and/or make future share repurchases
• Disruptions to our relationships with our independent agents and brokers or our inability to manage effectively a changing distribution landscape could adversely affect us
• Our efforts to develop new products or services, expand in targeted markets, improve business processes and workflows or pursue acquisitions or dispositions may not be successful and may create enhanced risks
• We may be adversely affected if our pricing and capital models provide materially different indications than actual results
• We are subject to additional risks associated with our business outside the United States
• Intellectual property is important to our business, and we may be unable to protect and enforce our own intellectual property or we may be subject to claims for infringing the intellectual property of others
• We could be adversely affected if our controls designed to ensure compliance with guidelines, policies and legal and regulatory standards are not effective

Filings

Other Financials companies