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Earnings transcript
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TRV
The Travelers Companies, Inc.
$293.99
3.46
(1.19%)
| Exchange: | NYSE |
| Market Cap: | 65.578B |
| Shares Outstanding: | 168.148M |
About The Company
| Sector: | Financial Services | |||||
| Industry: | Insurance – Property & Casualty | |||||
| CEO: | Alan David Schnitzer | |||||
| Full Time Employees: | 34000 | |||||
| Address: |
| |||||
| Website: | https://www.travelers.com |
The Travelers Companies, Inc., through its subsidiaries, provides a range of commercial and personal property, and casualty insurance products and services to businesses, government units, associations, and individuals in the United states and internationally. The company operates through three segments: Business Insurance, Bond & Specialty Insurance, and Personal Insurance. The Business Insurance segment offers workers’ compensation, commercial automobile and property, general liability, commercial multi-peril, employers’ liability, public and product liability, professional indemnity, marine, aviation, onshore and offshore energy, construction, terrorism, personal accident, and kidnap and ransom insurance products. This segment operates through select accounts, which serve small businesses; commercial accounts that serve mid-sized businesses; national accounts, which serve large companies; and national property and other that serve large and mid-sized customers, commercial trucking industry, and agricultural businesses, as well as markets and distributes its products through brokers, wholesale agents, and program managers. The Bond & Specialty Insurance segment provides surety, fidelity, management and professional liability, and other property and casualty coverages and related risk management services through independent agencies and brokers. The Personal Insurance segment offers property and casualty insurance covering personal risks, primarily automobile and homeowners insurance to individuals through independent agencies and brokers. The Travelers Companies, Inc. was founded in 1853 and is based in New York, New York.
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Revenue Segmentation
EPS
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Earnings Call
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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 | 21,607,000 |
| 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 | Full Access | Full Access | Full Access | Full Access |
|---|---|---|---|---|---|
| Estimated Revenue (Low) | 47,927,061.848 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (High) | 48,390,518.885 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (Avg) | 48,158,790.367 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Low) | 10,401,758.307 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (High) | 10,502,343.819 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Avg) | 10,452,051.063 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Low) | 6,223,794.859 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (High) | 6,800,990.737 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Avg) | 6,512,392.798 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Low) | 6,139,252.840 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (High) | 6,198,619.716 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Avg) | 6,168,936.278 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Avg) | 28.860 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (High) | 29.880 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Low) | 27.350 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated Revenue) | 3 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated EPS) | 3 | Full Access | Full Access | Full Access | Full Access |
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Current Key Metrics
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Intrinsic Value Calculator
Based on current fundamentals and analyst forecasts, MARKETSnap estimates TRV intrinsic value between $432.24 – $577.75 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 TRV (TRV) overvalued or undervalued right now?
MARKETSnap estimates intrinsic value for TRV (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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1.19
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