A Business at a Glance
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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.
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 48.8B | 48.8B | 46.4B | 41.4B | 36.9B | 34.8B |
| Net Income | 6.3B | 6.3B | 5.0B | 3.0B | 2.8B | 3.7B |
| EPS | $27.43 | $27.43 | $21.47 | $12.79 | $11.77 | $14.49 |
| Free Cash Flow | 10.6B | 10.6B | 9.0B | 7.6B | 6.4B | 7.2B |
| ROIC | 15.1% | 20.7% | 17.9% | 12.0% | 13.2% | 12.7% |
| Gross Margin | 16.0% | 16.0% | 13.3% | 8.1% | 9.1% | 12.8% |
| Debt/Equity | 0.29 | 0.29 | 0.29 | 0.33 | 0.34 | 0.26 |
| Dividends/Share | $4.27 | $4.27 | $4.08 | $3.88 | $3.62 | $3.44 |
| Operating Income | 7.8B | 7.8B | 6.2B | 3.4B | 3.4B | 4.5B |
| Operating Margin | 16.0% | 16.0% | 13.3% | 8.1% | 9.1% | 12.8% |
| ROE | 19.1% | 20.7% | 17.9% | 12.0% | 13.2% | 12.7% |
| Shares Outstanding | 229M | 229M | 233M | 234M | 241M | 253M |
TRAVELERS COMPANIES, INC. passes 5 of 9 quality checks, suggesting mixed fundamentals.
TRAVELERS COMPANIES, INC. trades at 11.0x trailing earnings, compared to its 15-year median P/E of 11.5x, suggesting it is currently Fair relative to its historical range. On a free-cash-flow basis, the stock trades at 6.2x vs a median of 6.3x. The company's 5-year average ROIC is 15.3% with a gross margin of 11.9%. Total shareholder yield (dividends + buybacks) is 5.8%. At current prices, the estimated annualized return to fair value is +14.3%.
TRAVELERS COMPANIES, INC. (TRV) has a current P/E ratio of 11.0, compared to its historical median P/E of 11.5. The stock is currently considered Fair based on its historical valuation range.
TRAVELERS COMPANIES, INC. (TRV) has a 5-year average return on invested capital (ROIC) of 15.3%. This indicates strong capital allocation and a potential competitive advantage.
TRAVELERS COMPANIES, INC. (TRV) has a market capitalization of $69.1B. It is classified as a large-cap stock.
Yes, TRAVELERS COMPANIES, INC. (TRV) pays a dividend with a trailing twelve-month yield of 1.42%. The company also returns capital through share buybacks, with a buyback yield of 4.35%.
Based on historical P/E analysis, TRAVELERS COMPANIES, INC. (TRV) appears fair. The current P/E of 11.0 is 5% below its historical median of 11.5. The estimated fair value CAGR (P/E method) is 11.7%.
TRAVELERS COMPANIES, INC. (TRV) operates in the Fire, Marine & Casualty Insurance industry, within the Financials sector.
TRAVELERS COMPANIES, INC. (TRV) reported annual revenue of $48.8 billion in its most recent fiscal year, based on SEC EDGAR filings.
TRAVELERS COMPANIES, INC. (TRV) has a net profit margin of 12.9%. This is a healthy margin.
TRAVELERS COMPANIES, INC. (TRV) generated $10.6 billion in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
TRAVELERS COMPANIES, INC. (TRV) has a debt-to-equity ratio of 0.29. This indicates a conservatively financed balance sheet.
TRAVELERS COMPANIES, INC. (TRV) reported earnings per share (EPS) of $27.43 in its most recent fiscal year.
TRAVELERS COMPANIES, INC. (TRV) has a return on equity (ROE) of 20.7%. This indicates the company generates strong returns for shareholders.
TRAVELERS COMPANIES, INC. (TRV) has a 5-year average gross margin of 11.9%. This lower margin is typical of capital-intensive or commodity businesses.
The Ledger Terminal provides 19 years of financial data for TRAVELERS COMPANIES, INC. (TRV), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
TRAVELERS COMPANIES, INC. (TRV) has a book value per share of $143.49, based on its most recent annual SEC filing.