Travelers Companies Inc (TRV)
UndervaluedFundamental
75
Price
$398.28
Market Cap
$83.21B
Part 1 · What the company is worth
Overview
The 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, Canada, and internationally. It 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, commercial property and automobile, onshore and offshore energy, construction, terrorism, personal accident, and kidnap and ransom insurance products. This segment operates through select accounts, which serve small businesses; middle accounts that serve mid-sized businesses; national accounts, which serve large companies; and national property and others 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. The Travelers Companies, Inc. was founded in 1853 and is based in New York, New York.
No editorial profile for this company yet
Direct competitors
Who this company fights with for the same customers
No editorial profile for this company yet
No competitor list for this company yet.
Balance Sheet & Liquidity
Revenue
$48.92B
Trailing 12 months (through 9/30/2026)
Net Income
$8.33B
Trailing 12 months (through 9/30/2026)
Free Cash Flow
-
Total Equity
$32.89B
Total Liabilities
$110.81B
Current Ratio
0.89
Interest Coverage
-
Debt/EBITDA
0.85
Earnings Per Share
Revenue & Net Income
Free Cash Flow
Income Breakdown
Historical statement
Margins over time
Debt over time
How heavy the debt is
Growth grid
Growth — Revenue
Fair Value Estimation
Fair Value
$574.63
Current Price
$398.28
Margin of Safety
+30.7%
Fair Value Range
$373.51 - $775.75
Spread across the valuation methods used, not a statistically calibrated confidence interval.
Estimation Methods
Valuation Metrics
P/E Ratio
10.47
ROE
19.1%
P/B Ratio
2.82
P/FCF
-
Gross Margin
-
ROIC
-
Profitability Radar
Value Creation (Economic Moat)
ROIC
-
WACC
7.5%
ROIC − WACC
-
Fundamental Analysis Criteria
Passed (16)
- EPS shows upward trend
- EPS CAGR 8.01%
- Price CAGR 11.93%
- P/B ratio 2.82
- Debt/equity ratio
- Debt/EBITDA
- Return on tangible assets
- Low reliance on intangibles
- ROE 26.2%
- Revenue growth 5Y 8.8%
- Earnings surprise, average 34.6%
- PEG ratio 0.46
- Earnings quality (operating cash flow / net income) 1.28
- Share dilution -1.5%
- Net margin trend 17.0% vs 12.1%
- Piotroski F-Score 6/9
Failed (2)
- Price below Graham Number
- DCF valuation (Unknown)
Unavailable (9)
- ROIC –
- Gross margin –
- P/FCF –
- Dividend payout –
- Operating margin –
- Positive free cash flow
- CapEx intensity
- Current ratio
- Interest coverage
Piotroski F-Score
Mixed signals: some areas need attention
Earnings Quality
High quality: earnings backed by cash
Share Dilution
Buying back shares. Shareholder friendly
Institutional Holdings
No institutional filings reported for this company.
Governance
Executive Team
| Name | Title | Age |
|---|---|---|
| Mr. Alan David Schnitzer J.D. | Chairman & CEO | 59 |
| Mr. Daniel Stephen Frey CPA | Executive VP & CFO | 60 |
| Mr. Avrohom J. Kess | Vice Chairman & Chief Legal Officer | 56 |
| Mr. Michael Frederick Klein | Executive VP & President of Personal Insurance | 57 |
| Mr. Gregory Cheshire Toczydlowski | Executive VP & President of Business Insurance | 58 |
| Ms. Mojgan Mehdian Lefebvre | Executive VP, Chief Technology & Operations Officer | 59 |
| Mr. David Donnay Rowland CFA | Executive VP & Co-Chief Investment Officer | 59 |
| Mr. Daniel Tei-Hwa Yin | Executive VP & Co-Chief Investment Officer | 59 |
| Mr. Paul Edward Munson | Senior VP of Finance, Corporate Controller & Principal Accounting Officer | 59 |
| Mr. Andy Francis Bessette | Executive VP & Chief Administrative Officer | 71 |
Audit Risk
3
Board Risk
7
Compensation Risk
4
Shareholder Rights Risk
1
Documents
- View document
Annual Report (10-K)
A yearly overview of the business, its financial results, and the risks it faces.
Filed on 2026-02-12
- View document
Quarterly Report (10-Q)
A snapshot of financial performance for the most recent three-month period.
Filed on 2026-10-16
- View document
Current Report (8-K)
An announcement of a major event, such as a leadership change or big news.
Filed on 2026-10-16
via SEC EDGAR
Income History
via SEC EDGAR
Part 2 · The price and its context
This part shows how the price has behaved, not whether the company is worth owning. Inside: technical analysis, potential, historical drawdowns, gamma exposure.
Market Reaction Profile
How much TRV moves, measured on its daily prices.
More volatile than 21% of the tracked stocks (90-day volatility).
- Volatility 30d
- 19.3%
- Volatility 90d
- 25.2%
- Beta vs S&P 500 (1y)
- -0.18Correlation -0.11
- Max drawdown (12m)
- -10.2%
- ATR (14d, % of price)
- 1.98%
Earnings reactions
How TRV moved around its past quarterly results.
Next earnings release
No upcoming release on the calendar.
What usually happens
- Over the last 12 releases the stock moved a median of 3.5% the next day, up or down.
- Next-day moves: up 8, down 4 (out of 12).
- Of the 5 releases that beat estimates, the stock fell the next day after 2.
Release history
| Date | When | EPS est. | EPS actual | Surprise | Gap | 1 day | 5 days |
|---|---|---|---|---|---|---|---|
| Oct 16, 2026 | Before the open | 7.43 | 9.18 | +23.5% | -3.6% | +1.5% | +5.6% |
| Jul 17, 2026 | Before the open | 5.47 | 10.04 | +83.4% | +1.4% | +9.2% | +11.4% |
| Apr 16, 2026 | Before the open | 7.15 | 7.71 | +7.9% | -1.1% | -0.2% | +0.8% |
| Jan 21, 2026 | Before the open | 8.94 | 11.13 | +24.6% | +1.8% | +1.1% | +4.3% |
| Oct 16, 2025 | Before the open | 6.41 | 8.14 | +27.0% | -6.3% | -2.9% | -0.4% |
| Jul 17, 2025 | Before the open | n/a | n/a | n/a | -0.2% | +3.8% | +5.0% |
| Apr 16, 2025 | Before the open | n/a | n/a | n/a | +2.5% | +1.1% | +3.8% |
| Jan 22, 2025 | Before the open | n/a | n/a | n/a | +4.7% | +3.2% | +3.9% |
| Oct 17, 2024 | Before the open | n/a | n/a | n/a | +4.1% | +9.0% | +5.9% |
| Jul 19, 2024 | Before the open | n/a | n/a | n/a | -2.8% | -7.8% | -5.2% |
| Apr 17, 2024 | Before the open | n/a | n/a | n/a | -7.6% | -7.4% | -3.9% |
| Jan 19, 2024 | Before the open | n/a | n/a | n/a | +6.0% | +6.7% | +6.6% |
Release dates from SEC 8-K filings.
Updated 10/24/2026
Historical statistics for educational purposes only. They are not forecasts and not investment advice.
Price reaction to the news
Latest news on TRV and what the price did next.
- 7/24/2026NegativeTravelers Draws Wave of Bears as Stock Eyes Best Year Since 2000
- +1 day
- +2.8%
- +3 days
- +5.2%
- 4/16/2026NegativePersonal Insurance Weakness Overshadows Travelers Profit Growth
Published while the US market was open: the move of that day cannot be split into before and after the news, so no figure is shown.
Return of the stock minus return of SPY over the same days. A news item close to a price move did not necessarily cause it. Historical data for educational purposes only, not investment advice.
Latest News
Recent headlines for TRV.
- 7/24/2026NEGATIVETravelers Draws Wave of Bears as Stock Eyes Best Year Since 2000
Travelers Companies Inc. (TRV) shares are facing increased bearish sentiment despite a strong year, with Wall Street analysts issuing a wave of downgrades. This comes as many believe the stock's significant gains, its best performance in over 25 years, may have reached their peak. The market's reaction suggests a potential shift in investor outlook, with analysts anticipating that the recent rally might not be sustainable, prompting a re-evaluation of the stock's future prospects.
- 4/16/2026NEGATIVEPersonal Insurance Weakness Overshadows Travelers Profit Growth
Travelers Companies Inc. reported Q1 earnings that surpassed analyst expectations, with EPS coming in above estimates and core income surging by an impressive 283%. However, this positive financial performance was overshadowed by a decline in premiums, a key metric for insurance revenue. The weakness in the personal insurance segment, despite the overall profit growth, has led to a slip in the company's stock price, signaling investor concern over the sustainability of future revenue streams.
- 4/15/2026NEUTRALWhy insurance giant Travelers’ CTO is placing fewer, bigger bets on AI
Travelers Companies' CTO, Mojgan Lefebvre, indicated a strategic shift towards fewer, larger-scale AI implementations rather than numerous small projects. This approach prioritizes maximizing the impact and efficiency of AI investments. While not directly impacting current financials, this strategic focus on AI scalability suggests a long-term vision for operational enhancement and competitive positioning within the insurance sector. Investors may view this as a prudent, albeit measured, approach to technological adoption, aiming for substantial returns on AI initiatives.
- 4/15/2026NEUTRALTravelers Gears Up For Q1 Print; Here Are The Recent Forecast Changes From Wall Street's Most Accurate Analysts
Travelers Companies is scheduled to report its first-quarter earnings on April 16th. Wall Street analysts are forecasting earnings per share of $6.99 and revenue of $11.11 billion. The stock experienced a slight decline of 0.6% on Tuesday, closing at $299.59. Recent analyst ratings show a mixed sentiment, with Morgan Stanley maintaining an Equal-Weight rating in February 2022 and Barclays downgrading to Equal-Weight from Overweight in January 2022. Investors will be closely watching the earnings report for any deviations from these expectations and for management's outlook on the insurance sector.
- 3/5/2026NEUTRALPeering Into The Travelers Companies Inc's Recent Short Interest
Analysis of recent short interest in The Travelers Companies Inc. (TRV) reveals a complex picture. While specific data on the extent of short interest is not detailed in the provided excerpt, the discussion suggests investors are closely monitoring the stock's position. Short interest, representing bets on a price decrease, can offer insights into market sentiment regarding the insurance company's future prospects. An increase in short interest might signal concerns, while a decrease could indicate growing confidence. Without precise figures, the trading impact remains speculative.