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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%
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% (at or above 15%: strong)
This Y EPS Growth 25.65% (at or above 15%: strong)
Next Y EPS Growth (11.99%) (below 0%: weak)
Next Y revenue growth (11.07%) (below 0%: weak)
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.

Target Price Range

Analyst price targets

Recommendation Rating

2.9
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Trend 2026e 2027e 2028e
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

The Travelers Companies, Inc. vs peers in Insurance Property & Casualty (Q) = latest quarter vs a year earlier

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 →

TRV metrics, ten years each

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.

Source: company filings (standardised) and stockrow calculations.

The Travelers Companies, Inc. (TRV) Latest News

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stockrow.com/TRV · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com