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TRV
The Travelers Companies, Inc.
Summary
Business
Earnings Call
Valuation
Profitability
Financial Health
Intel
Yearly Return 10Y annualized return is very good at 11.0% per year
Earnings Expectations TRV has met or exceeded earnings expectations in some recent quarters (5/10)
Positive Attractive P/E Ratio
Positive Reasonable Price to Sales Ratio
Negative Higher P/B Ratio
Negative Low Operating Profit Margin

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Overall, Travelers Companies exhibits strong business quality through solid financial performance and effective capital management while positioning itself for future growth via strategic technology investments and strong retention rates. However, the impacts of catastrophe losses and an uncertain economic outlook remain areas to monitor.

Analysis Date: April 16, 2025
Last Updated: May 29, 2025

+183%
+11.0% per year

Past performance does not guarantee future results. The data presented is indicative and may not be updated in real-time.

Country US
Exchange NYSE
Industry Insurance - Property & Casualty
Sector Financial Services
Market Cap $54.91B
CEO Mr. Alan David Schnitzer J.D.

The Travelers Companies, Inc. is an insurance company that helps protect people and businesses from unexpected events. They offer different types of insurance, like car and home insurance for individuals, and various types of coverage for businesses, including protection against accidents and damages. Essentially, if something goes wrong, Travelers helps cover the costs, giving customers peace of mind. Founded in 1853 and based in New York, they have been in the insurance business for a long time, serving customers across the U.S. and beyond.

Streams of revenue

Business Insurance: 53%
Personal Insurance: 37%
Bond & Specialty Insurance: 9%

Geographic Distribution

United States: 67%
Europe: 16%
Canada: 11%
Asia: 4%
Other: 2%

Estimations for reference only

Core Products

🏢
Business Insurance Commercial coverage
🏠
Personal Insurance Home & auto coverage
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Bond & Specialty Insurance Surety & fidelity bonds

Business Type

B2B Business to Business

Competitive Advantages

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Key Business Risks

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Trailing Twelve Months (TTM) values provide a view of the company's performance over the last year.

Graham Value Metrics

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ROE: 15.729240514487216

ROA: None

Gross Profit Margin: 100.22335673261009

Net Profit Margin: 9.085300999787279

Trailing Twelve Months (TTM) values provide a view of the company's performance over the last year.

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About Profitability Metrics

Profitability metrics measure a company's ability to generate earnings relative to its revenue, operating costs, and other relevant metrics. Higher values generally indicate better performance.

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About Financial Health Metrics

Financial health metrics assess a company's ability to meet its financial obligations and its overall financial stability.

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Meeting Expectations

5 /10

Higher values indicate better execution and credibility

Recent Results

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EPS

0.79
Estimated
1.91
Actual
+143.31%
Difference

Revenue

$10840641956
Estimated
$11810000000
Actual
+8.94%
Difference
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Insider trading data shows purchase and sale activities by company executives and board members.

Insider Sentiment Analysis

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TRV Stock Analysis: The Travelers Companies, Inc. Investment Guide

TRV (The Travelers Companies, Inc.) is a Financial Services company listed on New York Stock Exchange. The stock has generated 11.0% annual returns with an overall investment score of None/100.

Overall, Travelers Companies exhibits strong business quality through solid financial performance and effective capital management while positioning itself for future growth via strategic technology investments and strong retention rates. However, the impacts of catastrophe losses and an uncertain economic outlook remain areas to monitor.

TRV Key Financial Metrics

TRV financial analysis includes comprehensive valuation ratios, profitability metrics, and financial health indicators. The company has a valuation score of 5.0/100 and profitability score of 5.0/100 with financial health rated 7.4/100.

About The Travelers Companies, Inc.

The Travelers Companies, Inc. is an insurance company that helps protect people and businesses from unexpected events. They offer different types of insurance, like car and home insurance for individuals, and various types of coverage for businesses, including protection against accidents and damages. Essentially, if something goes wrong, Travelers helps cover the costs, giving customers peace of mind. Founded in 1853 and based in New York, they have been in the insurance business for a long time, serving customers across the U.S. and beyond.

TRV Investment Recommendation

Based on our comprehensive analysis of TRV, investors should consider the company's strong performance track record, earnings consistency (5/10 quarters beat expectations), and current valuation metrics when making investment decisions.

Financial Services Sector Analysis

TRV operates in the Insurance - Property & Casualty industry within the Financial Services sector. This analysis compares The Travelers Companies, Inc. performance against industry and sector benchmarks to provide context for investment decisions.

Frequently Asked Questions about TRV Stock

Is TRV a good investment?

TRV (The Travelers Companies, Inc.) has generated 11.0% annual returns with an overall score of None/100. Overall, Travelers Companies exhibits strong business quality through solid financial performance and effective capital management while positioning itself for future growth via strategic technology investments and strong retention rates. However, … Investors should consider their risk tolerance and investment goals when evaluating TRV.

What is TRV P/E ratio and valuation?

TRV valuation metrics including P/E ratio, price-to-book ratio, and price-to-sales ratio are analyzed on this page with comparisons to Insurance - Property & Casualty industry and Financial Services sector benchmarks. The company currently has a valuation score of 5.0/100.

Should I buy TRV stock now?

The decision to buy TRV stock should be based on comprehensive analysis of financial metrics, market conditions, and individual investment goals. Our analysis provides profitability score of 5.0/100, financial health score of 7.4/100, and detailed performance metrics to help inform your investment decision.

What are TRV financial health indicators?

TRV financial health analysis includes liquidity ratios, debt levels, cash flow metrics, and profitability indicators. The company has a financial health score of 7.4/100 based on comprehensive analysis of balance sheet strength and operational efficiency.

How does TRV compare to competitors?

TRV performance is benchmarked against Insurance - Property & Casualty industry peers and Financial Services sector averages. Our analysis includes comparative valuation ratios, profitability metrics, and growth indicators to provide context for The Travelers Companies, Inc.'s market position.

What are TRV historical returns?

TRV has generated 11.0% annual returns over the 10Y. Historical performance analysis includes price appreciation, dividend yields, and total shareholder returns compared to market benchmarks.

TRV Key Investment Metrics Summary

  • Annual Return: 11.0%
  • Valuation Score: 5.0/100
  • Profitability Score: 5.0/100
  • Financial Health Score: 7.4/100
  • Growth Score: 9.988910537119827/100
  • Earnings Beat Rate: 5/10 quarters
  • Sector: Financial Services
  • Industry: Insurance - Property & Casualty
  • Exchange: New York Stock Exchange
  • Market Cap: 54911355720

TRV Investment Thesis

The Travelers Companies, Inc. (TRV) represents a strong investment opportunity in the Financial Services sector. With an overall score of None/100, the company demonstrates areas for financial improvement.

Investment Strengths

  • Attractive P/E Ratio
  • Reasonable Price to Sales Ratio
  • Strong Return on Equity
  • Healthy Net Profit Margin
  • Excellent Liquidity Ratios
  • Low Debt Levels
  • Strong Financial Performance
  • Improved Underwriting Ratios
  • Robust Capital Management
  • Strategic Investments in Technology
  • Positive Growth Trajectory
  • Strong Retention Rates

Investment Risks

  • Higher P/B Ratio
  • Low Operating Profit Margin
  • Low Cash Ratio
  • Impact of Catastrophe Losses
  • Uncertain Macroeconomic Environment
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