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TRV
The Travelers Companies, Inc.
$389.54
5.65
(1.47%)
| Exchange: | NYSE |
| Market Cap: | 81.248B |
| Shares Outstanding: | 168.148M |
Delayed data
About The Company
| Sector: | Financial ServicesView sector performance | |||||
| Industry: | Insurance – Property & CasualtyView industry performance | |||||
| CEO: | Alan D. Schnitzer | |||||
| Full Time Employees: | 34000 | |||||
| Address: |
| |||||
| Website: | https://www.travelers.com |
The Travelers Companies, Inc., through its network of subsidiaries, delivers a broad spectrum of commercial and personal property and casualty insurance products and services. These offerings cater to businesses, government entities, associations, and individual clients both within the United States and internationally. The company’s operations are divided into three primary segments: Business Insurance, Bond & Specialty Insurance, and Personal Insurance. The Business Insurance segment provides a comprehensive portfolio of commercial coverages, ranging from foundational offerings like workers’ compensation, commercial auto, property, general liability, multi-peril, and employers’ liability, to more specialized policies. These specialized offerings include public and product liability, professional indemnity, marine, aviation, onshore and offshore energy, construction, terrorism, personal accident, and even kidnap and ransom insurance. This segment serves a diverse clientele, from small and mid-sized enterprises to large corporations, and also focuses on sectors like commercial trucking and agriculture. Its products are distributed through a robust network of independent brokers, wholesale agents, and program managers. The Bond & Specialty Insurance segment focuses on providing surety and fidelity bonds, as well as management and professional liability insurance. Additionally, it offers other property and casualty coverages paired with crucial risk management services. Distribution for this segment is handled via independent agencies and brokers. Lastly, the Personal Insurance segment addresses individual needs by offering property and casualty insurance for personal risks. Its primary focus areas are automobile and homeowners insurance, which are also made available to consumers through independent agencies and brokers. Founded in 1853, The Travelers Companies, Inc. maintains its headquarters in New York, New York.
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Revenue Segmentation
TRV full analysis
Hey everyone, welcome back to MarketSnap. Travelers just posted its best quarter in years, the stock ripped ten percent in a day, and yet the CEO of the company's own risk officer just sold over two million dollars worth of shares. So which signal do you trust? Today we're stress-testing TRV with MarketSnap's valuation model—not the hype, just the math. Let's set the stage. Travelers is up over thirty-three percent in the past year, it's up a hundred and thirty…
Industry Peers
| TICKER | COMPANY | MKT CAP | P/E | FWD P/E | ROIC |
|---|---|---|---|---|---|
| TRV | The Travelers Companies, Inc. | 81.2B | 9.7 | 11.2 | 19.9% |
 ALL | The Allstate Corporation | 62.7B | 4.5 | 6.9 | 31.3% |
 PGR | The Progressive Corporation | 127.0B | 10.9 | 13.6 | 21.7% |
 WRB | W. R. Berkley Corporation | 28.0B | 14.7 | 15.3 | 11.0% |
 CINF | Cincinnati Financial Corporation | 26.3B | 7.7 | 20.1 | 15.1% |
 CB | Chubb Limited | 138.8B | 12.0 | 12.8 | 3.5% |
EPS
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Earnings Call
AI summary
Key takeaways
Short, structured highlights from the call so you can focus on what matters.
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Login — it's freeIncome Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Revenue | 41,373,000 | 46,428,000 | 48,828,000 |
| Gross Profit | 8,932,000 | 12,396,000 | 14,341,000 |
| EBITDA | 4,469,000 | 7,287,000 | 8,901,000 |
| Operating Income | 3,371,000 | 6,180,000 | 7,796,000 |
| Net Income | 2,991,000 | 4,999,000 | 6,288,000 |
(* All numbers are in thousands)
Balance Sheet
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Total Assets | 125,978,000 | 133,189,000 | 143,708,000 |
| Total Liabilities | 101,057,000 | 105,325,000 | 110,814,000 |
| Total Stockholders Equity | 24,921,000 | 27,864,000 | 32,894,000 |
| Total Debt | 8,031,000 | 8,033,000 | 9,267,000 |
| Cash and Cash Equivalents | 650,000 | 699,000 | 842,000 |
(* All numbers are in thousands)
Cash Flow Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Operating Cash Flow | 7,711,000 | 9,074,000 | 10,606,000 |
| Capital Expenditure | 0 | 0 | -10,606,000 |
| Free Cash Flow | 7,711,000 | 9,074,000 | 0 |
| Net Income | 2,991,000 | 4,999,000 | 6,288,000 |
| Net Change in Cash | -149,000 | 49,000 | 143,000 |
(* All numbers are in thousands)
Analyst Estimates
| Fiscal Year | 2028 | Research Access | Research Access | Research Access | Research Access |
|---|---|---|---|---|---|
| Estimated Revenue (Low) | 45,307,861.388 | Research Access | Research Access | Research Access | Research Access |
| Estimated Revenue (High) | 47,973,866.736 | Research Access | Research Access | Research Access | Research Access |
| Estimated Revenue (Avg) | 46,709,310.421 | Research Access | Research Access | Research Access | Research Access |
| Estimated Ebitda (Low) | 7,349,478.434 | Research Access | Research Access | Research Access | Research Access |
| Estimated Ebitda (High) | 9,776,331.103 | Research Access | Research Access | Research Access | Research Access |
| Estimated Ebitda (Avg) | 7,851,100.672 | Research Access | Research Access | Research Access | Research Access |
| Estimated Net Income (Low) | 5,841,244.777 | Research Access | Research Access | Research Access | Research Access |
| Estimated Net Income (High) | 7,865,983.490 | Research Access | Research Access | Research Access | Research Access |
| Estimated Net Income (Avg) | 6,259,751.420 | Research Access | Research Access | Research Access | Research Access |
| Estimated SGA Expense (Low) | 5,803,744.398 | Research Access | Research Access | Research Access | Research Access |
| Estimated SGA Expense (High) | 6,145,248.347 | Research Access | Research Access | Research Access | Research Access |
| Estimated SGA Expense (Avg) | 5,983,264.060 | Research Access | Research Access | Research Access | Research Access |
| Estimated EPS (Avg) | 31.160 | Research Access | Research Access | Research Access | Research Access |
| Estimated EPS (High) | 34.560 | Research Access | Research Access | Research Access | Research Access |
| Estimated EPS (Low) | 25.660 | Research Access | Research Access | Research Access | Research Access |
| Number of Analysts (Estimated Revenue) | 7 | Research Access | Research Access | Research Access | Research Access |
| Number of Analysts (Estimated EPS) | 7 | Research Access | Research Access | Research Access | Research Access |
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Current Key Metrics
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Login — it's freeSWOT Analysis
Strengths (preview)
- Solid Financial Performance: TRV demonstrates consistent revenue and net income growth as reflected in recent income statements. Strong operating cash flow and free cash flow figures indicate robust financial health, supporting operational stability and dividend sustainability (evidenced by dividendYieldTTM and netDividendsPaid).
- Favorable Valuation Metrics: The current price-to-earnings ratio (priceToEarningsRatioTTM) and forward P/E ratios (forward_pe_avg) suggest that TRV is reasonably valued compared to industry averages (industry_avg_priceToEarningsRatioTTM), potentially indicating an attractive investment relative to peers in the insurance sector.
- Strong Balance Sheet: High levels of cash and cash equivalents (from Balance Sheet data) and a manageable debt-to-equity ratio (debtToEquityRatioTTM) provide TRV with financial flexibility to weather economic downturns and invest in growth initiatives.
- Sector and Industry Positioning: TRV benefits from stable performance within the insurance industry and broader financial sector, as indicated by sector_perf and industry_perf metrics over multiple timeframes (1w, 1m, 3m, 6m, 1y, 5y), showcasing resilience compared to sector trends.
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At what price to buy it? -
Intrinsic Value Calculator
Based on current fundamentals and analyst forecasts, MarketSnap estimates TRV intrinsic value between $600.88 – $609.62 per share. This depends on revenue growth, margins, and discount rate.
This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.
Common questions about TRV valuation
Is The Travelers Companies, Inc. (TRV) overvalued or undervalued right now?
MarketSnap estimates intrinsic value for The Travelers Companies, Inc. (TRV) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.
Is TRV a buy, hold, or sell for long-term investors?
MarketSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether TRV trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.
What is TRV’s P/E ratio?
You can see TRV’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.
How is intrinsic value calculated for TRV?
MarketSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MarketSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.
Is TRV a good long-term investment?
Whether TRV fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MarketSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.
TRV
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Daily snapshot
1.47
Trading Metrics:
| Open: | 370 | Previous Close: | 383.89 | |
| Day Low: | 368.63 | Day High: | 390.91 | |
| Year Low: | 261.87 | Year High: | 398.7 | |
| Price Avg 50: | 369.22 | Price Avg 200: | 323.63 | |
| Volume: | 3.12M | Average Volume: | 1.771M |
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