Last 48 quarters of trend data · Financial Services · Insurance - Property & Casualty
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 13.14 | 8.04 | 9.37 | 6.56 | 8.47 | 10.24 | 38.89 | 6.72 | 10.80 | 22.20 | 11.96 | 6.82 | 23.46 | — | 10.38 | 13.63 | 20.05 | 18.46 | 10.93 | 7.28 | 14.50 |
| — | -21.5% | -75.9% | -2.5% | -21.6% | -53.9% | +225.1% | -1.5% | -54.0% | — | +15.3% | -49.9% | +17.0% | — | -5.1% | +87.1% | +38.2% | +80.6% | -16.6% | +5.8% | +73.2% | |
| P/S Ratio | 1.54 | 1.45 | 1.34 | 1.31 | 1.27 | 1.27 | 1.29 | 1.16 | 1.13 | 1.04 | 1.19 | 1.01 | 0.89 | 0.99 | 1.04 | 1.15 | 0.98 | 1.12 | 1.26 | 1.07 | 1.08 |
| — | +14.6% | +3.5% | +13.0% | +12.3% | +21.4% | +8.5% | +14.9% | +27.8% | +5.6% | +14.9% | -12.4% | -9.3% | -11.5% | -18.1% | +7.5% | -9.4% | +2.3% | +10.0% | +0.4% | +29.9% | |
| P/B Ratio | 2.49 | 2.13 | 1.99 | 1.98 | 2.01 | 2.08 | 2.16 | 1.99 | 1.95 | 1.89 | 2.13 | 1.77 | 1.89 | 1.83 | 1.74 | 2.05 | 1.83 | 1.78 | 1.74 | 1.33 | 1.34 |
| — | +2.4% | -7.9% | -1.0% | +3.1% | +9.8% | +1.3% | +12.9% | +3.2% | +3.7% | +22.4% | -14.0% | +3.2% | +2.4% | -0.1% | +54.0% | +37.1% | +37.2% | +29.0% | +8.9% | +35.1% | |
| P/FCF | 7.09 | 9.20 | 7.25 | 6.05 | 3.76 | 6.57 | 11.20 | 6.73 | 3.48 | 7.02 | 9.16 | 5.23 | 3.10 | 6.44 | 9.93 | 8.27 | 3.67 | 7.41 | 8.79 | 5.70 | 3.74 |
| — | +40.0% | -35.3% | -10.1% | +7.9% | -6.4% | +22.3% | +28.7% | +12.4% | +9.0% | -7.8% | -36.7% | -15.6% | -13.2% | +12.9% | +45.1% | -1.9% | +44.7% | +9.5% | +21.1% | +26.4% | |
| EV / EBITDA | 9.88 | 6.85 | 7.82 | 5.63 | 7.19 | 8.42 | 26.01 | 5.72 | 8.83 | 16.25 | 9.70 | 5.87 | 17.62 | 90.30 | 10.31 | 10.82 | 14.86 | 13.66 | 9.02 | 6.06 | 11.14 |
| — | -18.6% | -69.9% | -1.5% | -18.6% | -48.2% | +168.1% | -2.6% | -49.9% | -82.0% | -6.0% | -45.7% | +18.6% | +561.2% | +14.4% | +78.4% | +33.3% | +65.2% | -7.9% | +6.6% | +53.8% | |
| EV / EBIT | 10.74 | 6.85 | 8.09 | 5.71 | 7.35 | 8.69 | 30.09 | 5.85 | 9.24 | 18.06 | 10.35 | 6.07 | 19.82 | 268.84 | 11.49 | 11.81 | 17.44 | 15.89 | 10.06 | 6.48 | 12.74 |
| — | -21.2% | -73.1% | -2.5% | -20.4% | -51.9% | +190.8% | -3.6% | -53.4% | -93.3% | -10.0% | -48.6% | +13.6% | +1591.7% | +14.2% | +82.2% | +36.9% | +73.4% | -11.2% | +5.9% | +60.9% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 29.4% | 36.6% | 31.7% | 38.3% | 32.3% | 29.1% | 17.2% | 34.7% | 26.2% | 19.8% | 25.6% | 31.2% | 17.7% | 13.4% | 23.5% | 23.7% | 19.5% | 21.5% | 27.9% | 32.1% | 23.4% |
| — | +25.7% | +84.6% | +10.3% | +23.3% | +47.1% | -33.0% | +11.2% | +48.0% | +47.8% | +8.8% | +32.0% | -9.4% | -37.8% | -15.8% | -26.2% | -16.6% | -21.6% | +8.7% | -5.2% | -11.3% | |
| Operating Margin | 16.0% | 23.7% | 17.8% | 25.0% | 18.8% | 15.5% | 4.0% | 21.6% | 13.1% | 5.8% | 12.2% | 18.5% | 4.4% | -0.5% | 9.6% | 10.2% | 5.7% | 7.2% | 13.4% | 18.3% | 8.9% |
| — | +52.6% | +348.5% | +15.6% | +43.4% | +167.0% | -67.5% | +17.0% | +195.3% | +1323.2% | +27.6% | +80.3% | -21.7% | -106.6% | -28.7% | -44.1% | -36.5% | -44.8% | +25.2% | -4.9% | -25.1% | |
| Net Margin | 12.9% | 18.2% | 14.3% | 20.1% | 15.1% | 12.5% | 3.3% | 17.3% | 10.6% | 4.7% | 10.0% | 14.9% | 3.8% | -0.1% | 10.0% | 8.5% | 4.9% | 6.0% | 11.6% | 14.8% | 7.5% |
| — | +45.9% | +329.0% | +15.8% | +43.0% | +163.2% | -66.6% | +16.6% | +178.6% | +3514.7% | -0.5% | +75.0% | -22.1% | -102.3% | -13.1% | -42.6% | -35.2% | -43.9% | +31.1% | -5.2% | -24.8% |
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 20.7% | 6.8% | 5.3% | 7.7% | 6.2% | 5.2% | 1.4% | 7.5% | 4.8% | 2.1% | 4.5% | 7.2% | 1.9% | -0.1% | 4.4% | 4.0% | 2.1% | 2.3% | 3.7% | 4.6% | 2.3% |
| — | +29.7% | +274.3% | +3.3% | +28.8% | +144.3% | -68.7% | +3.5% | +148.2% | +3531.1% | +2.9% | +83.4% | -9.0% | -102.7% | +16.8% | -15.0% | -7.6% | -30.0% | +46.7% | +1.2% | -23.9% | |
| ROA | 4.5% | 1.5% | 1.2% | 1.7% | 1.3% | 1.1% | 0.3% | 1.6% | 1.0% | 0.4% | 0.9% | 1.3% | 0.3% | -0.0% | 0.8% | 0.7% | 0.4% | 0.5% | 0.9% | 1.1% | 0.6% |
| — | +40.7% | +307.6% | +11.7% | +40.0% | +164.0% | -66.9% | +18.3% | +186.0% | +3655.6% | +6.4% | +84.6% | -15.1% | -102.5% | -2.2% | -35.6% | -28.6% | -40.6% | +35.8% | -1.6% | -23.5% | |
| ROIC | 15.2% | 5.3% | 3.9% | 5.7% | 4.5% | 3.9% | 1.0% | 5.5% | 3.5% | 1.5% | 3.2% | 5.1% | 1.2% | -0.1% | 2.4% | 2.7% | 1.4% | 1.6% | 2.6% | 3.5% | 1.7% |
| — | +35.1% | +290.7% | +2.9% | +30.6% | +155.6% | -68.8% | +9.2% | +178.8% | +1344.5% | +31.5% | +86.6% | -11.9% | -107.6% | -8.1% | -22.7% | -15.0% | -34.0% | +36.0% | +0.6% | -23.7% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.28 | 0.27 | 0.29 | 0.28 | 0.29 | 0.27 | 0.28 | 0.29 | 0.29 | 0.33 | 0.32 | 0.32 | 0.40 | 0.37 | 0.32 | 0.34 | 0.37 | 0.32 | 0.29 | 0.25 | 0.26 |
| — | +0.6% | +1.7% | -2.3% | +1.1% | -16.8% | -11.2% | -10.5% | -27.8% | -11.0% | +1.5% | -4.7% | +9.8% | +15.3% | +10.8% | +34.0% | +43.1% | +27.5% | +23.3% | +12.5% | +1.1% | |
| Debt / EBITDA | 1.09 | 3.15 | 4.01 | 2.84 | 3.69 | 3.93 | 12.25 | 2.91 | 4.63 | 9.70 | 5.13 | 3.67 | 12.53 | 61.31 | 6.44 | 6.21 | 10.08 | 8.41 | 5.15 | 3.92 | 7.30 |
| — | -19.9% | -67.3% | -2.6% | -20.3% | -59.5% | +138.7% | -20.6% | -63.0% | -84.2% | -20.4% | -40.9% | +24.2% | +629.0% | +25.1% | +58.3% | +38.1% | +55.3% | -11.5% | +9.5% | +21.4% | |
| Current Ratio | 0.55 | 0.20 | 1.31 | 0.55 | 1.30 | 1.26 | 1.25 | 1.26 | 1.26 | 1.38 | 1.40 | 1.41 | 1.34 | 1.37 | 1.39 | 1.22 | 1.13 | 1.09 | 1.33 | 1.35 | 1.38 |
| — | -83.8% | +4.3% | -56.7% | +3.5% | -8.8% | -10.3% | -10.3% | -6.0% | +0.9% | +0.3% | +15.9% | +19.1% | +25.9% | +5.1% | -9.8% | -18.6% | -22.3% | -3.9% | — | — | |
| Quick Ratio | 0.55 | 0.20 | 1.31 | 0.55 | 1.30 | 1.26 | 1.25 | 1.26 | 1.26 | 1.38 | 1.40 | 1.41 | 1.34 | 1.37 | 1.39 | 1.22 | 1.13 | 1.09 | 1.33 | 1.35 | 1.38 |
| — | -83.8% | +4.3% | -56.7% | +3.5% | -8.8% | -10.3% | -10.3% | -6.0% | +0.9% | +0.3% | +15.9% | +19.1% | +25.9% | +5.1% | -9.8% | -18.6% | -22.3% | -3.9% | — | — | |
| Interest Coverage | 19.34 | 25.49 | 19.27 | 27.75 | 22.12 | 20.00 | 5.73 | 27.47 | 16.92 | 7.69 | 14.98 | 21.60 | 5.82 | 0.48 | 11.55 | 12.22 | 7.00 | 8.47 | 14.59 | 19.75 | 10.03 |
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Includes 30+ ratios · 48 years · Updated daily
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Quick answers to the most common questions about buying TRV stock.
The Travelers Companies, Inc.'s current P/E is 13.1x. The average P/E over the last 4 quarters is 8.1x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
The Travelers Companies, Inc.'s current operating margin is 16.0%. Margins have been expanding over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking The Travelers Companies, Inc.'s business trajectory between earnings reports.