Stock · TRV · Financial Services
United States · Large Cap · listed since 1996 · Revenue 12 mo. $48.9B
Price as of 11/06/2026
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, Canada, and internationally.
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, Canada, and internationally. It 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, commercial property and automobile, onshore and offshore energy, construction, terrorism, personal accident, and kidnap and ransom insurance products. This segment operates through select accounts, which serve small businesses; middle accounts that serve mid-sized businesses; national accounts, which serve large companies; and national property and others 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. The Travelers Companies, Inc. was founded in 1853 and is based in New York, New York.
Original text from the data provider
Summary
66.6 of 100
Mean of the six area values. Each area value is the mean of the stock's ranks among the companies in its sector. 50 is the middle of the sector, not a share of companies beaten.
Analysis
What the price requires
Book value €26.4B, market value €72.2B (P/B 2.7). At a 9% discount rate, the premium over book value only pays off with a lasting 24.6% return on equity.
Required return on equity per year
24.6%
no perpetual growth
Price to book 2.73×, above its usual range.
Middle half of 20 quarters: 1.81× to 2.06×, median 1.96×.
Measures only against its own past, not against what the company is worth. Price as of 11/06/2026.
with respect to the priced-in expectation
No indication in the stored figures.
with respect to the priced-in expectation
Since the last quarter
Q2 → Q3 2026
2 more unchanged: Revenue, 12 mo., EBIT margin
Derivation
Each area value is the average of its metrics' ranks within the sector (0 to 100, 50 is the middle). For metrics where lower is better, the rank is mirrored. The overall value is the average of the area values.
Price as of 11/06/2026.
| Metric | Stock | Sector median | Position in sector |
|---|---|---|---|
| Return on equity | 19.12% | 12.46% | Rank 80 |
| Return on capital (Greenblatt) | 866.22% | 59.04% | Rank 97 |
| EBIT margin | 15.97% | 23.06% | Rank 28 |
| FCF margin | 21.72% | 19.82% | Rank 55 |
| Gross margin | 29.37% | 65.53% | Rank 7 |
| Metric | Stock | Sector median | Position in sector |
|---|---|---|---|
| Revenue growth, 1 year | 5.17% | 7.39% | Rank 41 |
| Earnings growth, 3 years per year | 32.57% | 15.20% | Rank 77 |
| Earnings growth, 5 years per year | 21.13% | 15.17% | Rank 65 |
| Sustainable growth (ROE × retained earnings) | 0.00% | 1.25% | Rank 6 |
| Metric | Stock | Sector median | Position in sector |
|---|---|---|---|
| Earnings yield | 6.99% | 6.47% | Rank 55 |
| FCF yield | 13.18% | 7.16% | Rank 73 |
| EV/saleslower is better | 1.30 | 2.82 | Rank 71 |
| EV/EBITlower is better | 8.15 | 14.24 | Rank 77 |
| Metric | Stock | Sector median | Position in sector |
|---|---|---|---|
| Share price, 1 year | 33.45% | 7.80% | Rank 89 |
| Share price, 6 months | 33.08% | 8.71% | Rank 97 |
| Share price, 3 months | 7.97% | 0.45% | Rank 75 |
| Distance from 52-week high | −3.43% | −10.68% | Rank 83 |
| Metric | Stock | Sector median | Position in sector |
|---|---|---|---|
| Accruals (Sloan)lower is better | 2.41% | 1.23% | Rank 37 |
| Change in share countlower is better | −1.51% | −0.60% | Rank 64 |
| Dividend streak in years | 20 | 5 | Rank 93 |
| Price reaction to results, market-adjusted | 2.32% | 0.00% | Rank 81 |
| Metric | Stock | Sector median | Position in sector |
|---|---|---|---|
| Equity ratio | 22.89% | 9.21% | Rank 74 |
| Net debt/EBITDAlower is better | −1.90 | 0.12 | Rank 67 |
| Debt to equitylower is better | 0.28 | 0.90 | Rank 81 |
| Volatility, 1 yearlower is better | 20.66% | 25.95% | Rank 82 |
Ten years in figures
| Year | Revenue, $B | Net income, $B | Return on equity | Shares |
|---|---|---|---|---|
| 2016 | 27.6 | 3.0 | 13.0% | 291M |
| 2017 | 28.9 | 2.1 | 8.7% | 279M |
| 2018 | 30.3 | 2.5 | 11.0% | 270M |
| 2019 | 31.6 | 2.6 | 10.1% | 262M |
| 2020 | 32.0 | 2.7 | 9.2% | 255M |
| 2021 | 34.8 | 3.7 | 12.7% | 251M |
| 2022 | 36.9 | 2.8 | 13.2% | 240M |
| 2023 | 41.4 | 3.0 | 12.0% | 232M |
| 2024 | 46.4 | 5.0 | 17.9% | 231M |
| 2025 | 48.8 | 6.3 | 19.1% | 228M |
6 of 7 StockScorer Score rules met · How the score is built
The Travelers Companies Inc mainly meets criteria in the Profitability category. Result from 18 strategies checked.
This is how the StockScorer Score strategy, the flagship rule set, calculates the points for The Travelers Companies Inc. It compares return and cash-flow metrics with the median of the company's own sector and checks growth and price trend.
6 of 7 rules met
9 of 11 points
The rule “Exclusion: financial and real estate stocks” applies. The stock is therefore not rated regardless of the points scored.
Detail data
Excerpt from 18 strategies checked. The full evaluation is visible after a free sign-up.
With a free account, you can see the match across all strategies checked in one complete overview.
Selected fundamental metrics for The Travelers Companies Inc.
| Metric | Stock | Sector |
|---|---|---|
| P/E ratio | 14.3 | 15.2 |
| P/B ratio | 2.7 | 1.8 |
| Return on equity (ROE) | 19.1% | 12.5% |
| Equity ratio | 22.9% | 9.2% |
| Debt-to-equity (D/E) | 0.28 | 0.90 |
| Dividend yield | 1.2% | 3.3% |
How comparable stocks in the same sector score in the StockScorer model.
| Symbol | Company | Rating |
|---|---|---|
| TRV | The Travelers Companies Incthis page | |
| ALL | The Allstate Corporation | Low4.5 |
| PGR | Progressive Corp | Low7.3 |
| CINF | Cincinnati Financial Corporation | Low4.5 |
| WRB | W. R. Berkley Corp | locked |
| MKL | Markel Corporation | locked |
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Learn more about the metrics in the metrics glossary or all rated stocks in the stock overview.
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