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Investment Highlights Market Valuation Price Chart Business Description Interactive Breakdown Latest Trefis Analyses Better Bets vs. TRV Recent Active Movers More From Trefis Peer Financials Peer Growth & Margins Peer Valuation Peer Returns Peer Analyses FDIC Bank Data Financials Segment Financials Price Behavior Short Interest Earnings Returns History SEC Filings Insider Activity Industry Resource Links External Quote Links

Travelers Companies (TRV)

Market Price (9/18/2025): $275.04 | Market Cap: $62.1 Bil
Sector: Financials | Industry: Property & Casualty Insurance

Travelers Companies (TRV)

Market Price (9/18/2025): $275.04
Market Cap: $62.1 Bil
Sector: Financials
Industry: Property & Casualty Insurance

Investment Highlights

0 Attractive yield
Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 9.2%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 4.8%, FCF Yield is 16%		 Trading close to highs
Dist 52W High is -1.6%, Dist 3Y High is -1.6%		 
1 Cash is significant % of market cap
Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -136%		  
2 Attractive cash flow generation
CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 20%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 20%, CFO LTM is 9.6 Bil, FCF LTM is 9.6 Bil		  
3 Low stock price volatility
Vol 12M is 25%		  
0 Attractive yield
Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 9.2%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 4.8%, FCF Yield is 16%
1 Cash is significant % of market cap
Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -136%
2 Attractive cash flow generation
CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 20%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 20%, CFO LTM is 9.6 Bil, FCF LTM is 9.6 Bil
3 Low stock price volatility
Vol 12M is 25%
4 Trading close to highs
Dist 52W High is -1.6%, Dist 3Y High is -1.6%

Market Valuation

 9/18/252024202320222021
Share Price CYE$275.04$237.96$184.81$177.82$145.26
Market Cap CYE ($ Bil)62.154.042.341.535.4
Total Debt ($ Bil)8.08.08.07.37.3
Total Cash ($ Bil)0.50.70.70.80.8
Enterprise Value ($ Bil)69.662.050.348.842.7
Valuation Ratios     
P/S TTM1.31.21.11.21.1
P/EBIT TTM9.08.411.712.08.1
P/E TTM11.811.014.615.610.6
Sector Ratios     
P/S TTM (Sector)3.23.12.82.83.4
P/EBIT TTM (Sector)6.86.87.17.17.0
P/E TTM (Sector)12.811.610.29.410.0
 9/18/2520242023
Share Price CYE$275.04$237.96$184.81
Market Cap CYE ($ Bil)62.154.042.3
Total Debt ($ Bil)8.08.08.0
Total Cash ($ Bil)0.50.70.7
Enterprise Value ($ Bil)69.662.050.3
Valuation Ratios   
P/S TTM1.31.21.1
P/EBIT TTM9.08.411.7
P/E TTM11.811.014.6
Sector Ratios   
P/S TTM (Sector)3.23.12.8
P/EBIT TTM (Sector)6.86.87.1
P/E TTM (Sector)12.811.610.2

Market Cap Chart

Business Description

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. Show more

Price Returns Compared

Expand for Detailed View

 202020212022202320242025Total [1]
Returns
TRV Return5%14%22%4%29%16%130%
Peers Return1%31%15%9%30%1%116%
S&P 500 Return16%27%-19%24%23%12%104%

[1] Cumulative total returns since the beginning of 2020
[2] Peers: MET, ALL, AIG, PRU, PGR. See TRV Returns vs. Peers.
[3] 2025 data is for the year up to 9/17/2025 (YTD)

Interactive Breakdown

Travelers Companies Interactive Breakdown Analysis

Better Bets than Travelers Companies (TRV)

 TRVBetter Performance than TRV
MetricValueIndustry (Property & Casualty Insurance)
Rev Chg LTM8.5%PGR (21.5%), ALL (9.8%), ACGL (23.5%), WRB (10.9%), CINF (9.6%)
Rev Chg 3Y Avg10.2%PGR (20.0%), CB (12.5%), ACGL (29.8%), WRB (10.7%), CINF (18.2%)
CFO/Rev LTM20.1%PGR (20.4%), CB (24.3%), HIG (21.4%), ACGL (33.3%), WRB (24.6%)
FCF/Rev LTM20.1%CB (24.3%), HIG (20.9%), ACGL (33.0%), WRB (24.1%), CINF (22.2%)
Total Yield9.2%PGR (9.3%), CB (9.8%), ALL (13.1%), HIG (10.3%), ACGL (11.5%)
 TRVBetter Performance than TRV
MetricValueAll Other Sectors
Rev Chg LTM8.5%NVDA (71.6%), MSFT (14.9%), GOOGL (13.1%), AMZN (10.9%), META (19.4%)
Rev Chg 3Y Avg10.2%NVDA (92.0%), MSFT (12.5%), AMZN (11.3%), META (13.0%), AVGO (24.0%)
CFO/Rev LTM20.1%NVDA (46.6%), MSFT (48.3%), AAPL (26.6%), GOOGL (36.0%), META (56.4%)
FCF/Rev LTM20.1%NVDA (43.6%), MSFT (25.4%), AAPL (23.5%), META (30.7%), AVGO (41.6%)
Total Yield9.2%XOM (9.7%), BABA (37.9%), UNH (9.4%), CVX (9.2%), TM (2077.1%)

Latest Trefis Analyses

TitleTopicDate
0DASHBOARDS  
1Why Travelers Companies Stock Moved: TRV Stock Has Gained 92% Since 2021 Fiscal End, Primarily Due To Favorable Change In Revenues  
2Travelers Companies (TRV) Valuation Ratios ComparisonFinancials 
3TRV Dip Buy Analysis  
4Travelers Companies Total Shareholder Return (TSR): 30.3% in 2024 and 19.8% 3-yr compounded annual returns (above peer average)  
5Travelers Companies (TRV) Operating Cash Flow ComparisonFinancials 
6Travelers Companies (TRV) Net Income ComparisonFinancials 
7TRV YTD Stock Return Of 29% Outperforms AIG by 19% and Underperforms TKOMY by -16%Return 
8Travelers Companies vs. S&P500 CorrelationCorrelation 
9Travelers Companies Price VolatilityVolatility 
10Will You Be Comfortable Buying Travelers Companies Stock?Return 
11ARTICLES  
12S&P 500 Stocks Trading At 52-Week High September 4th, 2025
13Large Cap Stocks Trading At 52-Week High September 4th, 2025
14Why Travelers Stock Is Up 30% Over The Last Year January 7th, 2025
15Travelers Stock Was Down 8% In A Day. Why? July 22nd, 2024
16Down 7% In A Day, Where Is Travelers Stock Headed? April 18th, 2024
Title
0DASHBOARDS
1S&P 500 Stocks Trading At 52-Week High
2Large Cap Stocks Trading At 52-Week High
3Why Travelers Stock Is Up 30% Over The Last Year
4Travelers Stock Was Down 8% In A Day. Why?
5Down 7% In A Day, Where Is Travelers Stock Headed?
6ARTICLES
7Why Travelers Companies Stock Moved: TRV Stock Has Gained 92% Since 2021 Fiscal End, Primarily Due To Favorable Change In Revenues
8Travelers Companies (TRV) Valuation Ratios Comparison
9TRV Dip Buy Analysis
10Travelers Companies Total Shareholder Return (TSR): 30.3% in 2024 and 19.8% 3-yr compounded annual returns (above peer average)
11Travelers Companies (TRV) Operating Cash Flow Comparison
12Travelers Companies (TRV) Net Income Comparison
13TRV YTD Stock Return Of 29% Outperforms AIG by 19% and Underperforms TKOMY by -16%
14Travelers Companies vs. S&P500 Correlation
15Travelers Companies Price Volatility
16Will You Be Comfortable Buying Travelers Companies Stock?

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#TickerCompany1W RtnYTD Rtn
1ECDAECD Automotive Design3347.2%307.9%
2BDSXBiodesix1090.6%-79.7%
3CLSDClearside Biomedical987.7%-74.7%
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2ATYRaTyr Pharma-80.4%-71.7%
3NAKAKindly MD-70.2% 
4BNGOBionano Genomics-64.0%-89.8%
5XAGELongevity Health-57.6%-86.1%
6FAASDigiAsia-55.4%-88.0%
7ASSTStrive-54.5%650.3%
8VCIGVCI Global-51.0%-98.9%
9REXREX American Resources-50.7%44.3%
10RBNERobin Energy-42.6% 

More From Trefis

Research & Analysis

Invest in Strategies

Wealth Management

Peer Comparisons for Travelers Companies

Financials

TRVMETALLAIGPRUPGRMedian
NameTraveler.MetLife Allstate American.Prudenti.Progress. 
Mkt Price275.0378.68197.2576.80103.01243.61150.13
Mkt Cap62.152.852.244.036.5142.852.5
Rev LTM47,84372,07866,21427,74360,62082,37663,417
Op Inc LTM-------
FCF LTM9,63315,2298,5383,15977516,4729,086
FCF 3Y Avg8,10113,7936,4174,7965,88812,3507,259
CFO LTM9,63315,2298,7433,15977516,8009,188
CFO 3Y Avg8,10113,7936,6714,7965,88812,6347,386

Growth & Margins

TRVMETALLAIGPRUPGRMedian
NameTraveler.MetLife Allstate American.Prudenti.Progress. 
Rev Chg LTM8.5%5.9%9.8%2.2%-0.2%21.5%7.2%
Rev Chg 3Y Avg10.2%6.0%9.7%-8.5%-2.8%20.0%7.8%
Rev Chg Q7.4%-1.8%5.7%7.2%-42.5%21.3%6.4%
QoQ Delta Rev Chg LTM1.8%-0.4%1.4%1.7%-14.2%4.9%1.5%
Op Mgn LTM-------
Op Mgn 3Y Avg-------
QoQ Delta Op Mgn LTM-------
CFO/Rev LTM20.1%21.1%13.2%11.4%1.3%20.4%16.7%
CFO/Rev 3Y Avg18.5%19.7%10.9%19.7%9.7%18.0%18.2%
FCF/Rev LTM20.1%21.1%12.9%11.4%1.3%20.0%16.4%
FCF/Rev 3Y Avg18.5%19.7%10.5%19.7%9.7%17.6%18.0%

Valuation

TRVMETALLAIGPRUPGRMedian
NameTraveler.MetLife Allstate American.Prudenti.Progress. 
Mkt Cap62.152.852.244.036.5142.852.5
P/S1.30.70.81.60.61.71.0
P/EBIT9.07.86.88.6-10.68.6
P/E11.812.39.013.815.913.713.0
P/CFO6.43.56.013.947.18.57.5
Total Yield9.2%11.0%13.1%9.5%11.5%9.3%10.3%
Dividend Yield0.8%2.9%1.9%2.2%5.2%2.0%2.1%
FCF Yield 3Y Avg16.6%28.1%15.5%10.3%15.6%10.3%15.5%
D/E0.10.40.20.20.60.00.2
Net D/E-1.4-1.8-0.0-0.6-1.3-0.0-1.0

Returns

TRVMETALLAIGPRUPGRMedian
NameTraveler.MetLife Allstate American.Prudenti.Progress. 
1M Rtn4.2%1.2%-4.3%-3.9%-3.4%-1.4%-2.4%
3M Rtn4.2%0.9%1.3%-8.3%0.2%-6.4%0.6%
6M Rtn6.1%-3.8%-2.8%-7.2%-4.5%-10.8%-4.1%
12M Rtn15.7%3.4%5.7%6.6%-9.0%-3.3%4.5%
3Y Rtn79.5%32.6%63.8%53.0%29.8%100.9%58.4%
1M Excs Rtn1.9%-1.1%-6.6%-6.2%-5.7%-3.8%-4.7%
3M Excs Rtn-5.9%-8.5%-10.3%-18.6%-9.4%-18.7%-9.9%
6M Excs Rtn-11.1%-19.7%-20.6%-25.1%-21.3%-31.5%-20.9%
12M Excs Rtn0.2%-11.1%-10.5%-9.4%-24.4%-20.0%-10.8%
3Y Excs Rtn15.7%-34.6%6.2%-14.5%-40.9%33.8%-4.2%

Comparison Analyses

Financials

$ Mil | FY: 12/312025Q22025Q12024Q42024Q32024Q22024Q12023Q42023Q32023Q22023Q12022Q42022Q3
Period End6/30/20253/31/202512/31/20249/30/20246/30/20243/31/202412/31/20239/30/20236/30/20233/31/202312/31/20229/30/2022
Filing Date7/17/20254/16/20252/13/202510/17/20247/19/20244/17/20242/15/202410/18/20237/20/20234/19/20232/16/202310/19/2022
Key Financials Quarterly            
Total Revenue12,11611,81012,01311,90411,28311,22810,93610,63510,0989,7049,6399,312
Net Income1,5093952,0821,2605341,1231,626404-14975819454
EPS6.631.739.115.502.324.877.071.75-0.074.183.491.91
Key Financials TTM            
Total Revenue TTM47,84347,01046,42845,35144,08242,89741,37340,07638,75337,79136,89636,268
Net Income TTM5,2464,2714,9994,5433,6873,1392,9912,1842,2342,7992,8423,356
Growth Rates Quarterly            
Total Revenue Growth7.4%5.2%9.8%11.9%11.7%15.7%13.5%14.2%10.5%10.2%7.0%5.8%
Net Income Growth182.6%-64.8%28.0%211.9%3914.3%15.2%98.5%-11.0%-102.5%-4.2%-38.6%-31.4%
Margins Quarterly            
Net Income Margin12.5%3.3%17.3%10.6%4.7%10.0%14.9%3.8%-0.1%10.0%8.5%4.9%
Cash & Debt            
Total Cash92,83890,67489,13190,23984,27083,34083,59477,66577,70976,92475,42973,150
Total Debt8,0348,0338,0338,0338,0328,0328,0318,0318,0317,2927,2927,291
Net Debt / (Cash)-84,804-82,641-81,098-82,206-76,238-75,308-75,563-69,634-69,678-69,632-68,137-65,859
Cash Flows Quarterly            
FCF from Operations2,3341,3602,0643,8751,6771,4582,1043,0461,5491,0121,3402,484
Cash Flows TTM            
FCF from Operations TTM9,6338,9769,0749,1148,2858,1577,7116,9476,3856,2116,4656,817
Returns to Shareholders Quarterly            
Dividends250240240238244229232229232215219220
Share Repurchases52235225824925036065101396460501501
Return on Invested Capital (ROIC) Quarterly            
ROIC------------
Return on Invested Capital (ROIC) TTM            
ROIC TTM------------

Segment Financials

Revenue by Segment

$ Mil20242023202220212020
Business Insurance21,86119,58918,60917,50817,708
Personal Insurance15,60013,80312,62811,40810,935
Bond & Specialty Insurance4,0083,6963,4083,0632,824
Net realized investment gains (losses)  1712113
Other revenues    1
Total41,46937,08834,81631,98131,581


Assets by Segment
$ Mil20242023202220212020
Business Insurance93,565  88,42283,896
Personal Insurance20,072  18,32817,015
Bond & Specialty Insurance11,478  9,4208,599
Other assets863  594612
Total125,978  116,764110,122


Price Behavior

TRV Betas & Captures as of 8/31/2025

 1M2M3M6M1Y3Y
Beta0.350.310.430.500.490.49
Up Beta0.600.540.840.500.490.55
Down Beta0.15-0.060.030.510.480.50
Up Capture55%31%22%42%45%19%
Bmk +ve Days10223571142415
Stock +ve Days10193064125404
Down Capture-7%29%57%53%55%67%
Bmk -ve Days11192754106334
Stock -ve Days11223261122342

[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively

Short Interest

Short Interest: As Of Date8292025
Short Interest: Shares Quantity3,414,787
Short Interest: % Change Since 81520257.7%
Average Daily Volume1,180,078
Days-to-Cover Short Interest2.89
Basic Shares Quantity225,900,000
Short % of Basic Shares1.5%

Returns Analyses

Earnings Returns History

Expand for More

 Forward Returns
Earnings Date1D Returns5D Returns21D Returns
7/17/20253.8%5.0%6.5%
4/16/20251.1%3.8%8.5%
1/22/20253.2%3.9%0.9%
10/17/20249.0%5.9%5.6%
7/19/2024-7.8%-5.2%-1.8%
4/17/2024-7.4%-3.9%-3.9%
1/19/20246.7%6.6%9.7%
10/18/2023-0.7%-6.8%0.1%
...
SUMMARY STATS   
# Positive151516
# Negative10109
Median Positive3.2%4.0%5.6%
Median Negative-4.7%-4.5%-4.2%
Max Positive9.0%8.7%20.7%
Max Negative-8.3%-8.9%-8.4%

SEC Filings

Expand for More

Report DateFiling DateFiling
6302025717202510-Q 6/30/2025
3312025416202510-Q 3/31/2025
12312024213202510-K 12/31/2024
93020241017202410-Q 9/30/2024
6302024719202410-Q 6/30/2024
3312024417202410-Q 3/31/2024
12312023215202410-K 12/31/2023
93020231018202310-Q 9/30/2023
6302023720202310-Q 6/30/2023
3312023419202310-Q 3/31/2023
12312022216202310-K 12/31/2022
93020221019202210-Q 9/30/2022
6302022721202210-Q 6/30/2022
3312022419202210-Q 3/31/2022
12312021217202210-K 12/31/2021
93020211019202110-Q 9/30/2021

Insider Activity

Expand for More

 OwnerTitleFiling DateActionPriceSharesTransacted
Value		Value of
Held Shares		Form
0Toczydlowski Gregory CEVP & President, Business Ins.7222025Sell266.1211,5053,061,7524,900,982Form
1Lefebvre Mojgan MEVP & Chief Tech & Ops Officer5302025Sell273.716,1491,682,954 Form
2Klenk Jeffrey P.EVP & Pres., Bond & Spec. Ins.5302025Sell272.726,6801,821,7701,656,857Form
3Kurtzman DianeEVP & Chief HR Officer5302025Sell273.001,000273,0001,042,464Form
4Kurtzman DianeEVP & Chief HR Officer10222024Sell260.37500130,184446,505Form

Industry Resources

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