TRV Stock Analysis: The Travelers Companies | NYSE
Insurance - Property & Casualty | NYSE, USA | Market Cap: 78.501m USD | 12M Return: 55.6% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 659M
EPS Trend: 97.6%
Qual. Beats: 1
Rev. Trend: 95.8%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
Seasonality 10.5 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
The Travelers Companies, Inc. (NYSE: TRV) is a major U.S.-based property and casualty (P&C) insurer headquartered in New York and founded in 1853. It offers commercial and personal insurance products and services in the United States, Canada, and internationally, and is organized into three reporting segments: Business Insurance, Bond & Specialty Insurance, and Personal Insurance.
The Business Insurance segment distributes workers compensation, commercial auto and property, general liability, multi-peril, marine, aviation, energy, construction, and other commercial coverages through brokers, wholesale agents, and program managers, serving small, mid-sized, and large customers. The Bond & Specialty Insurance segment provides surety, fidelity, and management and professional liability coverages through independent agencies and brokers. The Personal Insurance segment primarily writes auto and homeowners coverage for individuals.
As a P&C carrier, Travelers operates in a sector characterized by state-level insurance regulation in the U.S. and a distribution model in which independent agents and brokers account for the majority of premium placement. In addition to underwriting profit, P&C insurers generate a significant share of earnings by investing premiums collected before claims are paid, a model often referred to as the insurance float. Travelers has been publicly traded on the NYSE since 1996 and is classified within the Financials sector under the Property & Casualty Insurance sub-industry.
- Catastrophe losses pressure combined ratio above guidance
- Net investment income surges on higher fixed-income yields
- Commercial renewal rate momentum moderates as market softens
| Net Income: 8.30b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.08 > 0.02 and ΔFCF/TA 0.74 > 1.0 |
| NWC/Revenue: -164.8% < 20% (prev 51.57%; Δ -216.4% < -1%) |
| CFO/TA 0.08 > 3% & CFO 11.0b > Net Income 8.30b |
| Net Debt (3.87b) to EBITDA (11.1b): 0.35 < 3 |
| Current Ratio: 0.20 > 1.5 & < 3 |
| Outstanding Shares: last quarter (213.6m) vs 12m ago -6.85% < -2% |
| Gross Margin: 34.73% > 18% (prev 26.84%; Δ 7.89% > 0.5%) |
| Asset Turnover: 34.68% > 50% (prev 34.45%; Δ 0.23% > 0%) |
| Interest Coverage Ratio: 22.91 > 6 (EBIT TTM 10.4b / Interest Expense TTM 456.0m) |
| A: -0.56 (Total Current Assets 20.7b - Total Current Liabilities 101b) / Total Assets 144b |
| B: 0.41 (Retained Earnings 58.3b / Total Assets 144b) |
| C: 0.07 (EBIT TTM 10.4b / Avg Total Assets 141b) |
| D: 0.30 (Book Value of Equity 33.1b / Total Liabilities 110b) |
| Altman-Z'' = -1.55 = D |
| DSRI: 0.63 (Receivables 15.5b/24.0b, Revenue 49.0b/47.8b) |
| GMI: 0.77 (GM 26.84% / 34.73%) |
| AQI: 6.32 (AQ_t 0.85 / AQ_t-1 0.13) |
| SGI: 1.02 (Revenue 49.0b / 47.8b) |
| TATA: -0.02 (NI 8.30b - CFO 11.0b) / TA 144b) |
| Beneish M = -0.37 (Cap -4..+1) = D |
As of July 28, 2026, the stock is trading at USD 390.35 with a total of 1,127,540 shares traded. Over the past week, the price has changed by +5.93%, over one month by +17.62%, over three months by +29.05% and over the past year by +55.57%.
Current recommended Stop Loss: 378.70 (which is 3% or 1.3 ATR below the current price).
The Travelers Companies has received a consensus analysts rating of 3.43. Therefore, it is recommended to hold TRV.
- StrongBuy: 6
- Buy: 2
- Hold: 18
- Sell: 2
- StrongSell: 0
| Analysts Target Price | 354.7 | -9.1% |
P/E Trailing = 9.9992
P/E Forward = 13.1406
P/S = 1.6028
P/B = 2.3431
P/EG = 2.3596
Revenue TTM = 49.0b USD
EBIT TTM = 10.4b USD
EBITDA TTM = 11.1b USD
Long Term Debt = 8.97b USD (from longTermDebt, last quarter)
Short Term Debt = 100.0m USD (from shortLongTermDebt, last quarter)
Debt = 9.07b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 3.87b USD (calculated: Debt 9.07b - CCE 5.20b)
Enterprise Value = 82.4b USD (78.5b + Debt 9.07b - CCE 5.20b)
Interest Coverage Ratio = 22.91 (Ebit TTM 10.4b / Interest Expense TTM 456.0m)
EV/FCF = 7.47x (Enterprise Value 82.4b / FCF TTM 11.0b)
FCF Yield = 13.39% (FCF TTM 11.0b / Enterprise Value 82.4b)
FCF Margin = 22.51% (FCF TTM 11.0b / Revenue TTM 49.0b)
Net Margin = 16.95% (Net Income TTM 8.30b / Revenue TTM 49.0b)
Gross Margin = 34.73% ((Revenue TTM 49.0b - Cost of Revenue TTM 32.0b) / Revenue TTM)
Gross Margin QoQ = 36.58% (prev 31.67%)
Tobins Q-Ratio = 0.57 (Enterprise Value 82.4b / Total Assets 144b)
Interest Expense / Debt = 5.03% (Interest Expense 456.0m / Debt 9.07b)
Taxrate = 19.65% (2.03b / 10.3b)
NOPAT = 8.39b (EBIT 10.4b * (1 - 19.65%))
Current Ratio = 0.20 (Total Current Assets 20.7b / Total Current Liabilities 101b)
Debt / Equity = 0.27 (Debt 9.07b / totalStockholderEquity, last quarter 33.1b)
Debt / EBITDA = 0.35 (Net Debt 3.87b / EBITDA 11.1b)
Debt / FCF = 0.35 (Net Debt 3.87b / FCF TTM 11.0b)
Total Stockholder Equity = 32.4b (last 4 quarters mean from totalStockholderEquity)
RoA = 5.88% (Net Income 8.30b / Total Assets 144b)
RoE = 25.62% (Net Income TTM 8.30b / Total Stockholder Equity 32.4b)
RoCE = 25.25% (EBIT 10.4b / Capital Employed (Equity 32.4b + L.T.Debt 8.97b))
RoIC = 20.96% (NOPAT 8.39b / Invested Capital 40.0b)
WACC = 5.93% (E(78.5b)/V(87.6b) * Re(6.15%) + D(9.07b)/V(87.6b) * Rd(5.03%) * (1-Tc(0.20)))
Discount Rate = 6.15% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -88.43 | Cagr: -3.61%
[DCF] Terminal Value 77.89% ; FCFF base≈10.5b ; Y1≈11.9b ; Y5≈17.4b
[DCF] Fair Price = 1.24k (EV 262b - Net Debt 3.87b = Equity 258b / Shares 208.6m; r=8.35% [WACC [floored]]; 5y FCF grow 14.46% → 2.50% )
EPS Correlation: 97.55 | EPS CAGR: 54.03% | SUE: 4.0 | # QB: 1
Revenue Correlation: 95.80 | Revenue CAGR: 7.64% | SUE: 0.64 | # QB: 0
EPS current Quarter (2026-09-30): EPS=6.80 | Chg30d=+6.77% | Revisions=+17% | Analysts=23
EPS current Year (2026-12-31): EPS=33.97 | Chg30d=+20.67% | Revisions=+40% | GrowthEPS=+23.1% | GrowthRev=-1.1%
EPS next Year (2027-12-31): EPS=29.83 | Chg30d=+4.47% | Revisions=+17% | GrowthEPS=-12.2% | GrowthRev=+2.8%
[Analyst] Revisions Ratio: +36% (up=6, down=2)