Wednesday 14 October 2026 Export TRV’s income statement to Excel — free account

The Travelers Companies, Inc.

TRV Financial Insurance Property & Casualty

The Travelers Companies, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $48.8 billion, up 5.18% from fiscal 2024. In the quarter to June 2026, revenue was flat, EPS grew 57.0%, free cash flow fell 18.1% and total debt rose 12.9%, each against the same quarter a year earlier. Member of the S&P 500 and Dow Jones; dividend growth for ten consecutive years, revenue growth for ten, operating cash flow growth for three.

377.28 4.00 +1.07%

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Market cap: $77.9B
P/E: 9.8×
Fwd P/E: 10.8×
Dividend yield: 1.26%
F-score: 6/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios Filings 10-Q 10-K

Insider Decisions trades per month

Total sells 101.28

Totals in millions of $.

	Dec 25			Mar 26			Jun 26			Sep 26
Buy	—	—	—	—	—	—	—	—	—	—	—	—
Sell	8	—	1	14	—	5	2	—	8	1	—	—

Insider Ownership 1.42%

Capital & Financial Ratios $m

Market Cap 77,860.00

Revenue 48,979.00

Net Income 8,303.00

Free Cash Flow 10,969.00

Net Debt 8,447.00

Current Ratio 0.27

Debt/Equity 0.27

P/E ratio 9.85

Fwd P/E 10.80

P/S ratio 1.60

P/B ratio 2.37

Past 5Y EPS Growth 21.13%

This Y EPS Growth 25.65%

Next Y EPS Growth (11.99%)

Next Y revenue growth (11.07%)

Next 5Y EPS Growth 4.05%

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 6.01%

10-year low 10-year high

P/S against its own 10 years 99.23%

10-year low 10-year high

P/B against its own 10 years 99.23%

10-year low 10-year high

Dividends

Payout Ratio 0.13

Annual Dividend Rate 4.70

Annual Dividend Yield 1.26%

	total	individual payouts
2028	Powerpack
2027	Powerpack
2026	4.83	1.10 1.25 1.25
2025	4.35	1.05 1.10 1.10 1.10
2024	4.15	1.00 1.05 1.05 1.05
2023	3.93	0.93 1.00 1.00 1.00
2022	3.67	0.88 0.93 0.93 0.93
2021	3.49	0.85 0.88 0.88 0.88
2020	3.37	0.82 0.85 0.85 0.85
2019	3.23	0.77 0.82 0.82 0.82
2018	3.03	0.72 0.77 0.77 0.77
2017	2.83	0.67 0.72 0.72 0.72
2016	2.62	0.61 0.67 0.67 0.67

predictions special payouts not included in total or ratios

Assets vs Liabilities $m

	2023	2024	2025	Q'26
Cash	650	699	842	621
Receivables	22,824	23,483	23,171	25,141
Inventory	—	—	—	—
Other	—	—	—	—
	23,474	24,182	24,013	25,762

	2023	2024	2025	Q'26
Payables	83,017	86,932	88,697	91,569
ST’ Debt	—	—	—	—
Other	3,269	3,189	3,026	3,089
	86,286	90,121	91,723	94,658

Compound Annual Growth %

	10y	5y	3y
Sales	6.18%	8.83%	9.80%
Cash Flow	11.94%	10.22%	17.94%
Earnings	6.22%	18.44%	30.29%
Book Value	3.38%	2.41%	15.12%

Revenue $m

	Mar	Jun	Sep	Dec	Year
’26	11,924	12,153	—	—	—
’25	11,810	12,116	12,470	12,432	48,828
’24	11,228	11,283	11,904	12,008	46,423
’23	9,704	10,098	10,635	10,927	41,364
’22	8,809	9,136	9,303	9,636	36,884
’21	8,313	8,687	8,805	9,011	34,816
’20	7,908	7,401	8,275	8,397	31,981

Fiscal quarters ending in the months shown.

Operating Cash Flow $m

	Mar	Jun	Sep	Dec	Year
’26	2,198	1,916	—	—	—
’25	1,360	2,334	4,227	2,685	10,606
’24	1,458	1,677	3,875	2,064	9,074
’23	1,012	1,549	3,046	2,104	7,711
’22	1,266	1,375	2,484	1,340	6,465
’21	1,190	1,849	2,543	1,692	7,274
’20	628	1,664	2,326	1,901	6,519

Fiscal quarters ending in the months shown.

Free Cash Flow $m

	Mar	Jun	Sep	Dec	Year
’26	2,186	1,906	—	—	—
’25	1,353	2,328	4,217	2,660	10,558
’24	1,445	1,666	3,929	2,050	9,090
’23	998	1,537	3,026	2,083	7,644
’22	1,257	1,368	2,472	1,337	6,434
’21	1,185	1,840	2,535	1,686	7,246
’20	612	1,656	2,501	1,637	6,406

Fiscal quarters ending in the months shown.

EPS $

	Mar	Jun	Sep	Dec	Year
’26	7.78	10.26	—	—	—
’25	1.70	6.53	8.24	11.06	27.43
’24	4.80	2.29	5.42	8.96	21.47
’23	4.13	(0.07)	1.74	6.99	12.79
’22	4.15	2.27	1.89	3.44	11.77
’21	2.87	3.66	2.62	5.37	14.49
’20	2.33	(0.16)	3.23	5.10	10.52

Fiscal quarters ending in the months shown.

Group	Line	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026e
Price, $
Price, $	Low	101.23	113.76	111.08	115.06	76.99	133.12	149.65	157.33	189.87	230.23	Analyst estimates 2026–2028 Powerpack
	High	123.09	137.95	150.55	155.09	141.87	163.29	191.22	194.51	269.56	296.85
People
People	Employees	30,900	30,800	30,400	30,800	30,600	30,800	32,500	33,300	34,000	34,000
	Revenue/emp, $m	0.89	0.94	1.00	1.03	1.05	1.13	1.13	1.24	1.37	1.44
Income, $m
Income, $m	Revenue	27,625	28,902	30,282	31,581	31,981	34,816	36,884	41,364	46,423	48,828
	Gross margin, %	45.45	39.56	39.60	39.42	40.21	41.70	38.04	36.62	41.71	44.25
	EBT	4,053	2,730	2,961	3,138	3,237	4,458	3,354	3,371	6,180	7,796
	EBT margin, %	14.67	9.45	9.78	9.94	10.12	12.80	9.09	8.15	13.31	15.97
	Net income	3,014	2,056	2,523	2,622	2,697	3,662	2,842	2,991	4,999	6,288
	Depreciation	4,811	4,979	5,184	5,364	5,562	5,913	6,341	6,948	7,688	7,946
Per share, $
Per share, $	Revenue	95.89	104.72	113.25	121.47	126.16	140.10	155.63	180.08	203.61	217.79
	Earnings	10.39	7.39	9.37	10.01	10.56	14.63	11.91	12.93	21.76	27.83
	Cash flow	15.51	15.03	16.38	20.02	25.72	29.27	27.28	33.57	39.80	47.31
	Capex	(0.17)	(0.21)	(0.28)	(0.41)	(0.45)	(0.11)	(0.13)	(0.29)	0.07	(0.21)
	Free cash flow	15.35	14.82	16.10	19.61	25.27	29.16	27.15	33.28	39.87	47.09
	Book value	80.60	85.98	85.62	99.78	115.19	116.25	90.97	108.49	122.21	146.72
	Shares, m	288	276	267	260	254	249	237	230	228	224
Valuation, ×
Valuation, ×	P/E	11.63	17.88	12.79	13.68	13.31	10.66	15.74	14.80	11.05	10.37
	P/S	1.26	1.26	1.06	1.13	1.11	1.12	1.20	1.06	1.18	1.33
	P/B	1.50	1.54	1.40	1.37	1.22	1.35	2.06	1.76	1.97	1.98
	EV/Sales	1.48	1.48	1.26	1.32	1.29	1.30	1.38	1.24	1.34	1.50
	EV/FCF	9.27	10.43	8.87	8.17	6.46	6.27	7.90	6.72	6.85	6.96
Cash, $m
Cash, $m	Operating cash flow	4,469	4,148	4,380	5,205	6,519	7,274	6,465	7,711	9,074	10,606
	Capex	(48)	(59)	(74)	(107)	(113)	(28)	(31)	(67)	16	(48)
	Free cash flow	4,421	4,089	4,306	5,098	6,406	7,246	6,434	7,644	9,090	10,558
Balance, $m
Balance, $m	Working capital	(44,646)	(46,491)	(47,685)	(49,509)	(52,446)	(55,581)	(58,517)	(62,812)	(65,939)	(67,710)
	Total debt	6,437	6,571	6,564	6,558	6,550	7,290	7,292	8,031	8,033	9,267
	Net debt	6,130	6,227	6,191	6,064	5,829	6,529	6,493	7,381	7,334	8,425
	Shareholders’ equity	23,221	23,731	22,894	25,943	29,201	28,887	21,560	24,921	27,864	32,894
Returns, %
Returns, %	ROA	2.99	2.00	2.41	2.43	2.36	3.06	2.39	2.46	3.83	4.51
	ROIC	9.40	6.47	7.12	6.80	6.38	8.47	8.25	7.25	11.67	12.44
	ROE	12.78	8.69	10.74	10.66	9.71	12.52	11.19	12.78	18.80	20.55

Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

Company	Market cap	P/E	Fwd P/E	Revenue growth (Q)	EPS growth (Q)	FCF growth (Q)	Gross margin (Q)	EBIT margin (Q)	Compare
CB Chubb Limited	$133.1B	12.1×	12.5×	+6.61% (above 0%: growing)	−0.67% (below 0%: shrinking)	+5.04% (above 0%: growing)	30.84%	24.23%	Compare
PGR The Progressive Corporation	$128.0B	11.2×	12.6×	+7.29% (above 0%: growing)	+4.80% (above 0%: growing)	−12.25% (below 0%: shrinking)	18.90%	18.90%	Compare
TRV The Travelers Companies, Inc.	$77.5B	9.8×	10.8×	+0.31% (above 0%: growing)	+57.01% (above 0%: growing)	−18.13% (below 0%: shrinking)	51.27%	23.70%
ALL The Allstate Corporation	$58.8B	4.7×	8.0×	+11.80% (above 0%: growing)	+61.07% (above 0%: growing)	+38.26% (above 0%: growing)	46.58%	22.83%	Compare
WRB W.R. Berkley Corporation	$27.1B	15.0×	14.2×	+1.23% (above 0%: growing)	+14.85% (above 0%: growing)	+6.14% (above 0%: growing)	47.24%	16.33%	Compare
CINF Cincinnati Financial Corporation	$25.4B	7.7×	19.7×	+31.59% (above 0%: growing)	+85.84% (above 0%: growing)	−5.29% (below 0%: shrinking)	37.46%	37.20%	Compare
MKL Markel Group Inc.	$22.2B	9.8×	12.8×	+12.67% (above 0%: growing)	+86.91% (above 0%: growing)	−15.25% (below 0%: shrinking)	62.92%	30.09%	Compare
L Loews Corporation	$22.0B	13.3×	16.0×	+3.93% (above 0%: growing)	+15.51% (above 0%: growing)	−18.81% (below 0%: shrinking)	54.18%	15.10%	Compare
AIZ Assurant, Inc.	$13.3B	12.8×	12.9×	+9.37% (above 0%: growing)	+30.00% (above 0%: growing)	+99.03% (above 0%: growing)	78.34%	11.73%	Compare
Median of peers	$26.2B	11.6×	12.9×	+8.33%	+22.75%	−0.13%	46.91%	20.87%

All 45 Insurance Property & Casualty stocks →

The Travelers Companies, Inc. (TRV) key facts

Strength: The Travelers Companies, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $48.8 billion, up 5.18% from fiscal 2024.
Strength: Net income was $6.3 billion, or $27.83 per share (basic), a net margin of 12.8%.
The Travelers Companies, Inc. (TRV) is an Insurance Property & Casualty company in the Financial sector, listed on the New York Stock Exchange.
As of October 13, 2026, TRV traded at $373.28, a market capitalization of $77.9 billion.
At that price the stock trades at 9.8× trailing-twelve-month earnings and 1.6× sales; its P/E is higher than 6% of its own readings over the past ten years.
The Travelers Companies, Inc. pays an annual dividend of $4.70 per share, a yield of 1.26%, with a payout ratio of 12.6%.
Return on equity was 20.6% and debt-to-equity 0.27.
Its Piotroski F-score is 6 out of 9 for fiscal 2025.