TRV

The Travelers Companies, Inc.

Fundamental data last updated:August 16, 2026

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company profile

SECTOR

Financial Services

industry

Insurance - Property & Casualty

Exchange

NYSE

County of HQ

US

Next Earnings Date

Pending Announcement

Business Summary

The Travelers Companies, Inc., through its network of subsidiaries, delivers a broad spectrum of commercial and personal property and casualty insurance products and services. These offerings cater to businesses, government entities, associations, and individual clients both within the United States and internationally. The company's operations are divided into three primary segments: Business Insurance, Bond & Specialty Insurance, and Personal Insurance. The Business Insurance segment provides a comprehensive portfolio of commercial coverages, ranging from foundational offerings like workers' compensation, commercial auto, property, general liability, multi-peril, and employers' liability, to more specialized policies. These specialized offerings include public and product liability, professional indemnity, marine, aviation, onshore and offshore energy, construction, terrorism, personal accident, and even kidnap and ransom insurance. This segment serves a diverse clientele, from small and mid-sized enterprises to large corporations, and also focuses on sectors like commercial trucking and agriculture. Its products are distributed through a robust network of independent brokers, wholesale agents, and program managers. The Bond & Specialty Insurance segment focuses on providing surety and fidelity bonds, as well as management and professional liability insurance. Additionally, it offers other property and casualty coverages paired with crucial risk management services. Distribution for this segment is handled via independent agencies and brokers. Lastly, the Personal Insurance segment addresses individual needs by offering property and casualty insurance for personal risks. Its primary focus areas are automobile and homeowners insurance, which are also made available to consumers through independent agencies and brokers. Founded in 1853, The Travelers Companies, Inc. maintains its headquarters in New York, New York.

 


VALUATION

P/E

9.60

Market Cap ($M USD)

$72.12B

Forward P/E

11.74

PEG

-0.64

PRICE TO SALES

1.47

PRICE TO BOOK

2.28

EV / EBITDA

7.64

5-Year Average P/E

Free Cash Flow Yield

15.87%

DCF Value

$1031.02

Graham Number

$343.76

Price to FCF

6.30

EV to FCF

7.06

Earnings Yield

10.42%

FCF Yield

15.87%

DIVIDEND

Yield

1.34%

Annual Payout

$4.55

Payout Ratio

12.84%

Consecutive Years of Dividend Growth

5-Year Dividend Growth Rate

Financial Health & Profitability

Earnings Per Share

$35.33

Next Year EPS Growth Estimate

$28.89

Next Year Revenue Growth Estimate

$48.07B

Return on Equity (ROE)

24.14%

FREE CASH FLOW

Operating Margin

19.30%

Debt-to-Equity

0.28

Piotroski F-Score

7

Altman Z-Score

1.77

Return on Invested Capital (ROIC)

19.63%

Current Ratio

1.31

Quick Ratio

1.31

Net Debt to EBITDA

0.82

Interest Coverage

21.37

Gross Profit margin

44.02%

FCF PER SHARE

$53.18

REVENUE PER SHARE

$227.43

Gainseekers Quantitative Analysis

Summary

The market appears to be significantly undervaluing The Travelers Companies, Inc. Based on the data at the time of this analysis, the stock traded well below its DCF Value and Graham Number, suggesting a deep value opportunity. The Forward P/E of 10.28 and an Earnings Yield of 11.93% indicate a potentially attractive entry point for value investors. However, the Altman Z-score of 1.72 raises concerns about financial distress, hinting at a need for caution. Despite these risks, the company’s valuation metrics suggest a mispricing relative to its intrinsic value.

AI Exposure / Tech Reliance

As a player in the insurance industry, Travelers is poised to leverage AI for risk assessment and claims processing, enhancing operational efficiency. The property and casualty sector can benefit from predictive analytics, allowing for better underwriting decisions. However, the traditional nature of the industry may slow the pace of tech adoption compared to more agile sectors.

The Bull Case

For the value or GARP investor, Travelers presents a compelling case. With a robust ROIC of 19.63% and a Piotroski F-Score of 7, the company demonstrates strong operational efficiency and financial health. The Free Cash Flow Yield of 18.17% underscores its ability to generate cash, while an operating margin of 19.30% highlights its pricing power. These metrics suggest a well-managed company capable of delivering shareholder value.

The Bear Case

Despite its strengths, Travelers faces structural risks. The Price/Book ratio of 1.99 and Price/Sales of 1.29 indicate potential overvaluation concerns. The stock's proximity to its 52-week high, just 5.69% away, suggests it may be technically overextended. Additionally, the low TTM Yield of 1.49% could deter income-focused investors, highlighting a potential weakness in its appeal.

Market Sentiment & Smart Money

Short Interest %

Analyst Consensus

Hold

Average Analyst Price Target

$308.75

Institutional Ownership %

1-Year Beta

0.47

Insider Buying % (6 Mo)

Distance to 52-Week High

1.26%

Distance to 52-Week Low

26.53%

EARNINGS SURPRISE %

9.05%

50-DAY SMA

$306.50

200-DAY SMA

$292.27

⚠️ Financial Disclaimer:
This content is for informational purposes only and is not financial advice. Information may be delayed or inaccurate. We may earn a commission from partner links.