← Back to Screener
ScreenerNewsCompareWatchlist
VCP ScannerFree US Stock Screener & Financial AnalysisFree US Stock Screener
ScreenerThemesNewsCompareWatchlist
AnalyzeValuationTotal ReturnDCA CalculatorInsider Activity

TRV logoThe Travelers Companies, Inc.(TRV)Earnings, Financials & Key Ratios

TRV•NYSE•Insurance & Managed Care
$301.39
$65.17B mkt cap·11.0× P/E·Price updated May 6, 2026
SectorFinancial ServicesIndustryProperty & Casualty InsuranceSub-IndustryCommercial lines and surety insurers
AboutThe 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. This segment operates through select accounts, which serve small businesses; commercial accounts that serve mid-sized businesses; national accounts, which serve large companies; and national property and other 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 through independent agencies and brokers. The Travelers Companies, Inc. was founded in 1853 and is based in New York, New York.Show more
  • Revenue$48.83B+5.2%
  • Combined Ratio84.03%-3.1%
  • Net Income$6.29B+25.8%
  • Return on Equity20.7%+9.3%
  • Medical Cost Ratio55.75%-23.9%
  • Operating Margin15.97%+19.9%
  • Net Margin12.88%+19.6%
  • ROA4.54%+17.7%
  • Equity / Assets22.89%+9.4%
  • Book Value per Share144.53+19.9%
  • Tangible BV/Share125.18+24.3%
  • Debt/Equity0.28-2.3%
Analysis→Technical→

TRV Key Insights

The Travelers Companies, Inc. (TRV) fundamental analysis — strengths, weaknesses & financial health based on data analysis

✓Strengths

  • ✓Profitable underwriting: 84.0% combined ratio
  • ✓Strong 5Y profit CAGR of 18.4%
  • ✓Strong Piotroski F-Score: 7/9
  • ✓20 consecutive years of dividend growth
  • ✓Low loss ratio of 55.7%
  • ✓Good 3Y average ROE of 17.5%

✗Weaknesses

No significant weaknesses identified

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

TRV Price & Volume

The Travelers Companies, Inc. (TRV) stock price & volume — 10-year historical chart

Loading chart...

TRV Growth Metrics

The Travelers Companies, Inc. (TRV) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years6.18%
5 Years8.83%
3 Years9.79%
TTM5.17%

Profit CAGR

10 Years6.22%
5 Years18.45%
3 Years30.31%
TTM25.79%

EPS CAGR

10 Years9.69%
5 Years21.13%
3 Years32.58%
TTM28.17%

Return on Capital

10 Years3.93%
5 Years4.65%
3 Years5.47%
Last Year8.6%

TRV Recent Earnings

The Travelers Companies, Inc. (TRV) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 9/12 qtrs (75%)●Beat Revenue 9/12 qtrs (75%)
Q2 2026Latest
Apr 16, 2026
EPS
$7.71
Est $7.07
+9.1%
Revenue
$10.3B
Est $10.7B
-3.5%
Q1 2026
Jan 21, 2026
EPS
$11.13
Est $8.80
+26.5%
Revenue
$10.9B
Est $11.1B
-2.4%
Q4 2025
Oct 16, 2025
EPS
$8.14
Est $6.39
+27.4%
Revenue
$12.5B
Est $11.7B
+6.7%
Q3 2025
Jul 17, 2025
EPS
$6.51
Est $3.65
+78.4%
Revenue
$12.1B
Est $11.6B
+4.3%
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestApr 16, 2026
$7.71vs $7.07+9.1%
$10.3Bvs $10.7B-3.5%
Q1 2026Jan 21, 2026
$11.13vs $8.80+26.5%
$10.9Bvs $11.1B-2.4%
Q4 2025Oct 16, 2025
$8.14vs $6.39+27.4%
$12.5Bvs $11.7B+6.7%
Q3 2025Jul 17, 2025
$6.51vs $3.65+78.4%
$12.1Bvs $11.6B+4.3%
Based on last 12 quarters of dataView full earnings history →

TRV Peer Comparison

The Travelers Companies, Inc. (TRV) competitors in Commercial lines and surety insurers — business model, growth, and fundamentals comparison

Select Columns
Stock Universe
Valuation
Growth
Profitability
Financial Health
Dividends & Buybacks
Price Performance
Technical
Fundamentals ($)
Sector-Specific
CompanyMarket CapStock PriceP/E Ratio (TTM)Revenue Growth 1YNet MarginReturn on Equity (ROE)FCF YieldDebt / Equity
CB logoCBChubb LimitedDirect Competitor125.88B322.5712.546.47%17.25%13.62%11.55%0.28
HIG logoHIGThe Hartford Financial Services Group, Inc.Direct Competitor36.89B134.1510.077.1%14.13%22.01%15.59%0.23
CNA logoCNACNA Financial CorporationDirect Competitor12.05B44.539.495.1%8.69%11.65%19.96%0.27
WRB logoWRBW. R. Berkley CorporationDirect Competitor24.9B66.4914.947.82%12.1%18.86%13.93%0.29
MKL logoMKLMarkel CorporationDirect Competitor22.08B1764.8110.43-0.96%10.7%9.56%11.57%0.23
CINF logoCINFCincinnati Financial CorporationDirect Competitor24.96B160.3510.5711.41%21.34%17.98%12.39%0.06
ALL logoALLThe Allstate CorporationProduct Competitor56.25B218.515.724.64%18.09%42.74%17.57%0.24
PGR logoPGRThe Progressive CorporationProduct Competitor115.9B197.7413.7321.36%12.58%30.23%12.8%0.27

Compare TRV vs Peers

The Travelers Companies, Inc. (TRV) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs CB

Most directly comparable listed peer for TRV.

Scale Benchmark

vs PGR

Larger-name benchmark to compare TRV against a more recognizable public peer.

Peer Set

Compare Top 5

vs CB, HIG, CNA, WRB

TRV Income Statement

The Travelers Companies, Inc. (TRV) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily
Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Revenue28.9B30.28B31.58B31.98B34.82B36.9B41.37B46.43B48.83B
Revenue Growth %4.62%4.77%4.29%1.27%8.86%5.97%12.13%12.22%5.17%
Medical Costs & Claims21.63B22.67B23.73B23.9B25.34B28.37B32.44B34.03B27.22B
Medical Cost Ratio %74.85%74.87%75.15%74.72%72.79%76.89%78.41%73.3%55.75%
Gross Profit
7.27B▲ 0%
7.61B▲ 4.7%
7.85B▲ 3.1%
8.09B▲ 3.0%
9.47B▲ 17.2%
8.53B▼ 10.0%
8.93B▲ 4.7%
12.4B▲ 38.8%
21.61B▲ 74.3%
Gross Margin %25.15%25.13%24.85%25.28%27.21%23.11%21.59%26.7%44.25%
Gross Profit Growth %-15.18%4.69%3.11%3.03%17.19%-10.01%4.75%38.78%74.31%
Operating Expenses4.54B4.65B4.71B4.85B5.02B5.17B5.56B6.22B13.81B
OpEx / Revenue %15.7%15.35%14.91%15.16%14.41%14.02%13.44%13.39%28.29%
Depreciation & Amortization813M803M763M789M870M826M722M715M680M
Combined Ratio %90.55%90.22%90.06%89.88%87.2%90.91%91.85%86.69%84.03%
Operating Income
2.73B▲ 0%
2.96B▲ 8.5%
3.14B▲ 6.0%
3.24B▲ 3.2%
4.46B▲ 37.7%
3.35B▼ 24.8%
3.37B▲ 0.5%
6.18B▲ 83.3%
7.8B▲ 26.1%
Operating Margin %9.45%9.78%9.94%10.12%12.8%9.09%8.15%13.31%15.97%
Operating Income Growth %-32.64%8.46%5.98%3.15%37.72%-24.76%0.51%83.33%26.15%
EBITDA3.54B3.76B3.9B4.03B5.33B4.18B4.09B6.89B8.48B
EBITDA Margin %12.26%12.43%12.35%12.59%15.3%11.33%9.89%14.85%17.36%
Interest Expense369M352M344M339M340M351M376M392M425M
Non-Operating Income-369M-352M-344M-339M-340M-351M-376M-392M-425M
Pretax Income
2.73B▲ 0%
2.96B▲ 8.5%
3.14B▲ 6.0%
3.24B▲ 3.2%
4.46B▲ 37.7%
3.35B▼ 24.8%
3.37B▲ 0.5%
6.18B▲ 83.3%
7.8B▲ 26.1%
Pretax Margin %9.45%9.78%9.94%10.12%12.8%9.09%8.15%13.31%15.97%
Income Tax674M438M516M540M796M512M380M1.18B1.51B
Effective Tax Rate %24.69%14.79%16.44%16.68%17.86%15.27%11.27%19.11%19.34%
Net Income
2.06B▲ 0%
2.52B▲ 22.7%
2.62B▲ 3.9%
2.7B▲ 2.9%
3.66B▲ 35.8%
2.84B▼ 22.4%
2.99B▲ 5.2%
5B▲ 67.1%
6.29B▲ 25.8%
Net Margin %7.11%8.33%8.3%8.43%10.52%7.7%7.23%10.77%12.88%
Net Income Growth %-31.79%22.71%3.92%2.86%35.78%-22.39%5.24%67.13%25.79%
EPS (Diluted)
7.33▲ 0%
9.35▲ 27.6%
9.92▲ 6.1%
10.52▲ 6.0%
14.49▲ 37.7%
11.77▼ 18.8%
12.79▲ 8.7%
21.47▲ 67.9%
27.43▲ 27.8%
EPS Growth %-28.7%27.56%6.1%6.05%37.74%-18.77%8.67%67.87%27.76%
EPS (Basic)7.399.4410.0110.5614.6311.9112.9321.7627.84
Diluted Shares Outstanding278.6M269.8M262.3M254.6M250.8M239.7M232.2M231.1M227.6M

TRV Balance Sheet

The Travelers Companies, Inc. (TRV) balance sheet — assets, liabilities & shareholders' equity

Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Total Assets103.48B104.23B110.12B116.76B120.47B115.72B125.98B133.19B143.71B
Asset Growth %3.23%0.72%5.65%6.03%3.17%-3.94%8.87%5.72%7.9%
Total Investment Assets72.5B72.28B77.88B84.42B87.38B80.45B88.81B94.22B101.18B
Long-Term Investments68.04B67.82B73.5B80B82.54B75.44B83.55B89.12B95.47B
Short-Term Investments67.59B67.45B73.08B79.51B82.54B75.44B83.55B24.79B5.72B
Total Current Assets0000000021.44B
Cash & Equivalents344M373M494M721M761M799M500M568M842M
Receivables20.23B20.66B20.74B20.42B20.43B20.56B21.67B22.28B14.88B
Other Current Assets-88.71B-89.06B-95B-101.43B-104.63B-97.82B-106.88B-48.84B0
Goodwill & Intangibles4.29B4.28B4.29B4.29B4.31B4.24B4.25B4.59B4.4B
Goodwill3.95B3.94B3.96B3.98B4.01B3.95B3.98B4.23B4.07B
Intangible Assets342M345M330M317M306M287M277M360M336M
PP&E (Net)000000000
Other Assets-72.33B-72.1B-77.79B-84.29B-86.85B-79.68B-87.81B-93.71B21.52B
Total Liabilities79.75B81.34B84.18B87.56B91.58B94.16B101.06B105.33B110.81B
Total Debt6.57B6.56B6.56B6.55B7.29B7.29B8.03B8.03B9.27B
Net Debt6.23B6.19B6.06B5.83B6.53B6.49B7.53B7.46B8.43B
Long-Term Debt5.97B5.96B5.96B6.55B7.19B7.19B7.93B7.93B9.27B
Short-Term Debt600M600M600M0100M100M100M100M0
Total Current Liabilities5.65B5.67B04.62B4.39B4.12B3.89B3.84B91.72B
Accounts Payable5.05B5.07B4.98B4.62B4.29B4.01B3.79B3.74B3.56B
Deferred Revenue000000000
Other Current Liabilities00-5.58B000000
Deferred Taxes001000K1000K1000K0000
Other Liabilities68.13B69.7B-6.09B75.84B79.7B82.85B89.24B93.55B9.82B
Total Equity
23.73B▲ 0%
22.89B▼ 3.5%
25.94B▲ 13.3%
29.2B▲ 12.6%
28.89B▼ 1.1%
21.56B▼ 25.4%
24.92B▲ 15.6%
27.86B▲ 11.8%
32.89B▲ 18.1%
Equity Growth %2.2%-3.53%13.32%12.56%-1.08%-25.36%15.59%11.81%18.05%
Shareholders Equity23.73B22.89B25.94B29.2B28.89B21.56B24.92B27.86B32.89B
Minority Interest000000000
Retained Earnings33.46B35.2B36.98B38.77B41.55B43.52B45.59B49.63B54.93B
Common Stock22.89B23.14B23.47B23.74B24.15B24.57B24.91B25.45B25.91B
Accumulated OCI-343M-1.86B640M2.5B1.19B-6.45B-4.47B-4.97B-2.5B
Return on Equity (ROE)8.76%10.82%10.74%9.78%12.61%11.27%12.87%18.94%20.7%
Return on Assets (ROA)2.02%2.43%2.45%2.38%3.09%2.41%2.48%3.86%4.54%
Equity / Assets22.93%21.96%23.56%25.01%23.98%18.63%19.78%20.92%22.89%
Debt / Equity0.28x0.29x0.25x0.22x0.25x0.34x0.32x0.29x0.28x
Book Value per Share85.1884.8698.91114.69115.1889.95107.33120.57144.53
Tangible BV per Share69.7768.9882.5597.8397.9872.2689.01100.70125.18

TRV Cash Flow Statement

The Travelers Companies, Inc. (TRV) cash flow — operating, investing & free cash flow history

Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash from Operations4.15B4.38B5.21B6.52B7.27B6.46B7.71B9.07B10.61B
Operating CF Growth %-7.18%5.59%18.84%25.25%11.58%-11.12%19.27%17.68%16.88%
Operating CF / Revenue %14.35%14.46%16.48%20.38%20.89%17.52%18.64%19.54%21.72%
Net Income2.06B2.52B2.62B2.7B3.66B2.84B2.99B5B6.29B
Depreciation & Amortization813M803M763M789M870M826M722M715M680M
Stock-Based Compensation000000000
Deferred Taxes337M-13M-33M-29M62M-186M-163M-152M0
Other Non-Cash Items3.55B3.9B4.24B4.77B4.63B5.43B6.82B7.26B-75M
Working Capital Changes-2.61B-2.83B-2.38B-1.71B-1.95B-2.44B-2.66B-3.75B3.71B
Cash from Investing-2.2B-2.33B-2.9B-4.89B-5.2B-3.73B-6.82B-7.26B-7.65B
Capital Expenditures000000000
Acquisitions-439M-4M00-38M-4M0-382M0
Purchase of Investments-13.32B-13.33B-12.26B-15.29B-19.1B-16.62B-18.04B-17.65B-20.24B
Sale/Maturity of Investments1000K1000K1000K1000K1000K1000K1000K1000K1000K
Other Investing-277M-318M-432M-443M-276M-416M-529M-392M-389M
Cash from Financing-1.92B-2.01B-2.19B-1.42B-2.04B-2.67B-1.05B-1.75B-2.66B
Dividends Paid-785M-814M-844M-861M-869M-875M-908M-951M-979M
Share Repurchases-1.44B-1.32B-1.55B-672M-2.2B-2.06B-1.02B-1.12B-3.13B
Stock Issued00000000214M
Debt Issuance (Net)1000K-1000K-1000K-1000K1000K01000K01000K
Other Financing173M132M213M127M293M267M141M321M0
Net Change in Cash
37M▲ 0%
29M▼ 21.6%
121M▲ 317.2%
227M▲ 87.6%
40M▼ 82.4%
38M▼ 5.0%
-149M▼ 492.1%
49M▲ 132.9%
143M▲ 191.8%
Exchange Rate Effect1000K-1000K1000K1000K-1000K-1000K1000K-1000K-1000K
Cash at Beginning307M344M373M494M721M761M799M650M699M
Cash at End344M373M494M721M761M799M650M699M842M
Free Cash Flow
4.15B▲ 0%
4.38B▲ 5.6%
5.21B▲ 18.8%
6.52B▲ 25.2%
7.27B▲ 11.6%
6.46B▼ 11.1%
7.71B▲ 19.3%
9.07B▲ 17.7%
0▼ 100.0%
FCF Growth %-7.18%5.59%18.84%25.25%11.58%-11.12%19.27%17.68%-100%
FCF Margin %14.35%14.46%16.48%20.38%20.89%17.52%18.64%19.54%0%
FCF per Share14.8916.2319.8425.62926.9733.2139.26-

TRV Key Ratios

The Travelers Companies, Inc. (TRV) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios

Metric2016201720182019202020212022202320242025
Combined Ratio85.33%90.55%90.22%90.06%89.88%87.2%90.91%91.85%86.69%84.03%
Medical Cost Ratio68.98%74.85%74.87%75.15%74.72%72.79%76.89%78.41%73.3%55.75%
Return on Equity (ROE)12.88%8.76%10.82%10.74%9.78%12.61%11.27%12.87%18.94%20.7%
Return on Assets (ROA)3.01%2.02%2.43%2.45%2.38%3.09%2.41%2.48%3.86%4.54%
Equity / Assets23.16%22.93%21.96%23.56%25.01%23.98%18.63%19.78%20.92%22.89%
Book Value / Share79.885.1884.8698.91114.69115.1889.95107.33120.57144.53
Debt / Equity0.28x0.28x0.29x0.25x0.22x0.25x0.34x0.32x0.29x0.28x
Revenue Growth3.02%4.62%4.77%4.29%1.27%8.86%5.97%12.13%12.22%5.17%

TRV SEC Filings & Documents

The Travelers Companies, Inc. (TRV) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Apr 16, 2026·SEC

Material company update

Feb 17, 2026·SEC

Material company update

Feb 6, 2026·SEC

10-K Annual Reports

2
FY 2026

Feb 12, 2026·SEC

FY 2025

Feb 13, 2025·SEC

10-Q Quarterly Reports

5
FY 2026

Apr 16, 2026·SEC

FY 2025

Oct 16, 2025·SEC

FY 2025

Jul 17, 2025·SEC

TRV Frequently Asked Questions

The Travelers Companies, Inc. (TRV) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

The Travelers Companies, Inc. (TRV) grew revenue by 5.2% over the past year. This is steady growth.

Yes, The Travelers Companies, Inc. (TRV) is profitable, generating $6.29B in net income for fiscal year 2025 (12.9% net margin).

Dividend & Returns

Yes, The Travelers Companies, Inc. (TRV) pays a dividend with a yield of 1.43%. This makes it attractive for income-focused investors.

The Travelers Companies, Inc. (TRV) has a return on equity (ROE) of 20.7%. This is excellent, indicating efficient use of shareholder capital.

Industry Metrics

The Travelers Companies, Inc. (TRV) has a combined ratio of 84.0%. A ratio below 100% indicates underwriting profitability.

Explore More TRV

The Travelers Companies, Inc. (TRV) financial analysis — history, returns, DCA and operating performance tools

Full TRV Stock Analysis

Analyst verdict, bull/bear case, risk factors and peer comparison

→

Total Return Calculator

Historical returns with dividends reinvested

→

DCA Calculator

Dollar cost averaging vs lump sum

→

Dividend History

Yield, growth, payout safety & DRIP

→

Earnings History

EPS trends, net income & profitability

→

Price History

Long-term charts & historical price data

→

Revenue History

Sales growth patterns & revenue breakdown

→

Financial Ratios

30 years of market, efficiency and balance-sheet ratios

→

Valuation

DCF intrinsic value, peer multiples & estimates

→
VCP ScannerFree US Stock Screener & Financial Analysis

Find stocks. Verify deeply. Act with conviction.

Patterns find ideas. Fundamentals build conviction.

Data updated daily

Quick Links

  • Home
  • Screener
  • Themes
  • Market Valuation
  • Valuation
  • Compare
  • Total Return
  • DCA Calculator
  • News
  • Insights
  • Methodology
  • How It Works
  • Profile

Popular Screens

  • VCP Hot
  • VCP Warm
  • Value Screens
  • Growth Screens
  • Momentum Screens
  • Technical Screens
  • Quality Screens

Community

  • Follow @VCPScanner on X

Get weekly stock ideas — free

© 2026 VCP Scanner. All rights reserved.
About·Privacy Policy·Terms of Service
Not financial advice. Do your own research.