Travelers Companies, Inc. (TRV)
Financials · Property & Casualty Insurance · US stock · S&P 500 component
$389.54
▲ +5.65 (1.47%)
Fair valueOvervalued
$272 −30.3% to fair value
$136fair band $163–$380$408
Day's range
$368.63 – $390.91
52-week range
$248.46 – $397.34
About Travelers Companies, Inc.
Travelers is a property and casualty insurer that sells commercial and personal coverage in the United States and in some other markets. Products include business insurance, bonds, auto, homeowners and specialty lines, sold largely through independent agents and brokers. Revenue comes from premiums paid by policyholders and from investment income earned on the premiums it holds before claims are paid, with results affected by weather and claim costs.
Revenue over the last twelve months came to $48.9 billion. Across three years, revenue grew 9.8% a year. It posts an operating margin of 22.1%, with return on invested capital of 31%. The dividend yield is 1.2%. Overall, the X-Ray Score comes to 56 out of 100. These figures describe past results as reported and are a factual snapshot, not a forecast. Some measures, such as margins for real estate trusts and banks, are defined differently from those of industrial firms, so comparisons should be made with care.
Written with AI from public information and the filing figures on this page, then checked automatically for unsupported numbers. It can contain mistakes: read the company's own filings below before relying on it.
Price chart
52-wk range $248.46 – $397.34Volume 3,194,800Daily, split-adjusted
Vitals
Market cap$82.0B
52-week range$248.46 – $397.34
Volume (last day)3,194,800
P/E (TTM)10.2
EBIT / EV yield13.3%
Free-cash-flow yield–
Dividend yield1.2%
Revenue (TTM)$48.9B
Net income (TTM)$8.3B
Operating margin22.1%
Return on capital30.8%
Debt incl. leasesData missing
Cash & securities$766M
Debt = borrowings plus lease liabilities. Cash & securities = cash, equivalents and short-term marketable securities (long-term securities are not counted, so net cash can be understated for companies like Apple). Net debt = debt minus cash & securities. Source: latest SEC 10-Q/10-K. EBIT / EV yield = operating profit divided by market cap plus net debt.
Fair value estimate
$272
Overvalued
−30.3% to fair value
Equal blend of three models: peer multiples, a fundamentals-adjusted multiple (growth, ROIC and margin) and a 10-year DCF scaled to the market's average. Earnings-power value (no growth) is a floor and not part of the blend. Model uncertainty is High, so the safety margin is 40%.
Peak-cycle earnings: the current operating margin is more than 1.5x its 7-year average, so the fair value range is widened
Price $390
Undervalued < $163Fair $163 – $380Overvalued > $380
Excess-return (bank)
$210
A model estimate, not a price target or recommendation. Inputs: risk-free 5.09%, equity risk premium 4.23% (Damodaran). How it works.
What this means
Average business, priced high
Our models put fair value below today's price, so a lot of good news may already be in the price. A high score does not guarantee a good outcome; it shifts the odds a little. Use the checklist as a prompt for your own research.
Before you invest · decision checklist
Ticked boxes are filled in from our data; the rest are yours to answer.
The five-lens scan
Every score explained in one sentence, ranked against Financials peers. Open a lens to see the numbers behind it.
Valuation
Weak
50/100
Expensive against its sector on earnings and cash flow.
See the numbers →
EBIT / EV yield13.3%
Fair value vs price0.7×
Growth
Fair
55/100
Growing at a typical pace for its sector.
See the numbers →
Revenue growth (3y)9.8%
EPS growth (3y)32.6%
Growth consistency90%
Profitability
Fair
65/100
Returns on capital are typical for its sector.
See the numbers →
Return on invested capital30.8%
Operating margin22.1%
Financial health
Weak
49/100
Balance sheet is more stretched than most peers.
See the numbers →
Piotroski F-Score7 / 9
Interest cover23.4×
Dividends
Weak
44/100
Dividend is modest or less certain than peers.
See the numbers →
Dividend yield1.2%
Dividend growth3.8%
Quarterly results: last 6 quarters
+7.4%
Jun '25
+4.8%
Sep '25
+3.5%
Dec '25
+1.0%
Mar '26
+0.3%
Jun '26
-0.5%
Sep '26
Revenue against the same quarter a year earlier. Latest quarter revenue $12.4B, diluted EPS $9.04.
Compare with peers
ACGL Arch Capital Group Ltd...67 HIG Hartford Insurance Gro...66 PGR Progressive Corp65 CINF Cincinnati Financial C...64Other Property & Casualty Insurance companies by X-Ray Score.
Fundamentals checklist
● 3 Good · ● 5 Average · ● 2 BadCash quality
Earnings backed by cashAverage
Risk models
Piotroski F-ScoreAverage
Growth
EPS growth (3y)Good
Revenue growth (3y)Average
Growth consistencyAverage
Balance sheet
Interest coverAverage
Valuation
Fair value vs priceBad
EBIT / EV yieldGood
Profitability
Return on invested capitalGood
Operating marginBad
Each check is graded against the company's sector, not a fixed number. Checklist score 57/100.
Financials
| FY21 | FY22 | FY23 | FY24 | FY25 | |
|---|---|---|---|---|---|
| Revenue | $34.8B | $36.9B | $41.4B | $46.4B | $48.8B |
| Operating income | $4.8B | $3.7B | $3.7B | $6.6B | $8.2B |
| Net income | $3.7B | $2.8B | $3.0B | $5.0B | $6.3B |
| Operating cash flow | $7.3B | $6.5B | $7.7B | $9.1B | $10.6B |
| Operating margin | 13.8% | 10.0% | 9.1% | 14.2% | 16.8% |
| Free cash flow | – | – | – | – | – |
| Diluted EPS | $14.49 | $11.77 | $12.79 | $21.47 | $27.43 |
Fiscal years, from SEC filings.
Technical summary
Daily
Bullish
12 bullish · 0 neutral · 4 bearish
Weekly
Strongly bullish
11 bullish · 1 neutral · 0 bearish
Monthly
Strongly bullish
7 bullish · 0 neutral · 1 bearish
Moving averages (daily)
| SMA 10 | 371.7 | Bullish |
| EMA 10 | 375.0 | Bullish |
| SMA 20 | 367.1 | Bullish |
| EMA 20 | 371.1 | Bullish |
| SMA 50 | 368.7 | Bullish |
| EMA 50 | 365.8 | Bullish |
| SMA 100 | 351.2 | Bullish |
| EMA 100 | 352.6 | Bullish |
| SMA 200 | 322.3 | Bullish |
| EMA 200 | 330.4 | Bullish |
Oscillators (daily)
| RSI (14) | 72.71 | Bearish |
| MACD (12, 26) | 3.64 | Bullish |
| Momentum (12) | 9.26 | Bullish |
| Stochastic %K (14) | 96.31 | Bearish |
| Williams %R (14) | -3.69 | Bearish |
| CCI (20) | 183.3 | Bearish |
Pivot points (classic, last session)
S3 352.9 | S2 360.7 | S1 375.1 | Pivot 383.0 | R1 397.4 | R2 405.3 | R3 419.7 |
Signals describe what the chart is doing, not what to do. Moving averages: price above the average is bullish. Oscillators use the usual thresholds (RSI 30/70, Stochastic 20/80, CCI ±100, Williams %R −80/−20; MACD and momentum above zero are bullish). Weekly and monthly views use closing prices only.
Dividends
Paid, last 12 months
4.70 USD
Yield on today's price
1.21%
Frequency
Quarterly
Next ex-dividend date
10 Dec 2026
| Ex-dividend date | Amount per share |
|---|---|
| 10 Dec 2026 (upcoming) | 1.2500 |
| 10 Sep 2026 | 1.2500 |
| 10 Jun 2026 | 1.2500 |
| 10 Mar 2026 | 1.1000 |
| 10 Dec 2025 | 1.1000 |
| 10 Sep 2025 | 1.1000 |
| 10 Jun 2025 | 1.1000 |
| 10 Mar 2025 | 1.0500 |
| 10 Dec 2024 | 1.0500 |
| 10 Sep 2024 | 1.0500 |
| 10 Jun 2024 | 1.0500 |
| 7 Mar 2024 | 1.0000 |
Ex-dividend dates and amounts from EODHD. Shown as declared, before tax.
TRV SEC filings
16 Oct 2026
10-QSEC EDGAR
Quarterly report
16 Oct 2026
8-KSEC EDGAR
Results of operations
7 Aug 2026
8-KSEC EDGAR
Director or officer change
24 Jul 2026
8-KSEC EDGAR
Other events
17 Jul 2026
10-QSEC EDGAR
Quarterly report
17 Jul 2026
8-KSEC EDGAR
Results of operations
22 May 2026
8-KSEC EDGAR
Director or officer change; Shareholder vote results
21 May 2026
8-KSEC EDGAR
Other events
Where the numbers come from
Statements SEC EDGAR filings (10-K, 10-Q), quarters derived from year-to-date figures.
Prices end-of-day closes, split-adjusted.
Industry inputs beta, multiples and equity risk premium from Damodaran Online (NYU Stern).
StocksXray is for education only and is not financial advice. Scores and fair values are model estimates from public filings and carry uncertainty.