TRAVELERS COS INC/THE (PA9.DE) Fundamental Analysis & Valuation

FRA:PA9 • US89417E1091

Current stock price

254.1 EUR
-1.8 (-0.7%)
Last:

This PA9.DE fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

7

1. PA9.DE Profitability Analysis

1.1 Basic Checks

  • PA9 had positive earnings in the past year.
  • In the past year PA9 had a positive cash flow from operations.
  • Each year in the past 5 years PA9 has been profitable.
  • Each year in the past 5 years PA9 had a positive operating cash flow.
PA9.DE Yearly Net Income VS EBIT VS OCF VS FCFPA9.DE Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B 8B 10B

1.2 Ratios

  • PA9 has a Return On Assets of 4.34%. This is amongst the best in the industry. PA9 outperforms 90.48% of its industry peers.
  • PA9 has a better Return On Equity (18.98%) than 64.29% of its industry peers.
  • PA9's Return On Invested Capital of 4.72% is amongst the best of the industry. PA9 outperforms 90.48% of its industry peers.
  • PA9 had an Average Return On Invested Capital over the past 3 years of 3.76%. This is in line with the industry average of 2.76%.
  • The 3 year average ROIC (3.76%) for PA9 is below the current ROIC(4.72%), indicating increased profibility in the last year.
Industry RankSector Rank
ROA 4.34%
ROE 18.98%
ROIC 4.72%
ROA(3y)3.48%
ROA(5y)3.18%
ROE(3y)16.23%
ROE(5y)14.87%
ROIC(3y)3.76%
ROIC(5y)3.46%
PA9.DE Yearly ROA, ROE, ROICPA9.DE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15

1.3 Margins

  • The Profit Margin of PA9 (12.78%) is better than 76.19% of its industry peers.
  • In the last couple of years the Profit Margin of PA9 has grown nicely.
  • PA9 has a better Operating Margin (16.84%) than 76.19% of its industry peers.
  • In the last couple of years the Operating Margin of PA9 has grown nicely.
Industry RankSector Rank
OM 16.84%
PM (TTM) 12.78%
GM N/A
OM growth 3Y18.43%
OM growth 5Y8.24%
PM growth 3Y18.7%
PM growth 5Y8.87%
GM growth 3YN/A
GM growth 5YN/A
PA9.DE Yearly Profit, Operating, Gross MarginsPA9.DE Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15

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ROAROEROICOperating and Profit MarginShow most profitable peers

4

2. PA9.DE Health Analysis

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so PA9 is destroying value.
  • PA9 has less shares outstanding than it did 1 year ago.
  • PA9 has less shares outstanding than it did 5 years ago.
  • Compared to 1 year ago, PA9 has a worse debt to assets ratio.
PA9.DE Yearly Shares OutstandingPA9.DE Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M 200M 250M
PA9.DE Yearly Total Debt VS Total AssetsPA9.DE Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50B 100B

2.2 Solvency

  • PA9 has a debt to FCF ratio of 0.87. This is a very positive value and a sign of high solvency as it would only need 0.87 years to pay back of all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 0.87, PA9 belongs to the top of the industry, outperforming 90.48% of the companies in the same industry.
  • PA9 has a Debt/Equity ratio of 0.28. This is a healthy value indicating a solid balance between debt and equity.
  • The Debt to Equity ratio of PA9 (0.28) is better than 80.95% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.28
Debt/FCF 0.87
Altman-Z N/A
ROIC/WACC0.57
WACC8.23%
PA9.DE Yearly LT Debt VS Equity VS FCFPA9.DE Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10B 20B 30B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
PA9.DE Yearly Current Assets VS Current LiabilitesPA9.DE Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B 4B 5B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. PA9.DE Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 28.25% over the past year.
  • PA9 shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 21.52% yearly.
  • PA9 shows a small growth in Revenue. In the last year, the Revenue has grown by 5.16%.
  • The Revenue has been growing by 8.79% on average over the past years. This is quite good.
EPS 1Y (TTM)28.25%
EPS 3Y30.74%
EPS 5Y21.52%
EPS Q2Q%21.64%
Revenue 1Y (TTM)5.16%
Revenue growth 3Y9.76%
Revenue growth 5Y8.79%
Sales Q2Q%-9.59%

3.2 Future

  • The Earnings Per Share is expected to decrease by -2.27% on average over the next years.
  • The Revenue is expected to grow by 3.05% on average over the next years.
EPS Next Y-0.73%
EPS Next 2Y1.65%
EPS Next 3Y1.33%
EPS Next 5Y-2.27%
Revenue Next Year1.34%
Revenue Next 2Y2.2%
Revenue Next 3Y2.81%
Revenue Next 5Y3.05%

3.3 Evolution

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
PA9.DE Yearly Revenue VS EstimatesPA9.DE Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 10B 20B 30B 40B 50B
PA9.DE Yearly EPS VS EstimatesPA9.DE Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 5 10 15 20 25

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6

4. PA9.DE Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 10.75, the valuation of PA9 can be described as reasonable.
  • PA9's Price/Earnings ratio is a bit cheaper when compared to the industry. PA9 is cheaper than 73.81% of the companies in the same industry.
  • PA9 is valuated cheaply when we compare the Price/Earnings ratio to 26.86, which is the current average of the S&P500 Index.
  • Based on the Price/Forward Earnings ratio of 10.83, the valuation of PA9 can be described as reasonable.
  • PA9's Price/Forward Earnings ratio is in line with the industry average.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 37.39, PA9 is valued rather cheaply.
Industry RankSector Rank
PE 10.75
Fwd PE 10.83
PA9.DE Price Earnings VS Forward Price EarningsPA9.DE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • Based on the Enterprise Value to EBITDA ratio, PA9 is valued cheaply inside the industry as 88.10% of the companies are valued more expensively.
  • Based on the Price/Free Cash Flow ratio, PA9 is valued a bit cheaper than the industry average as 64.29% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 6.07
EV/EBITDA 4.49
PA9.DE Per share dataPA9.DE EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 50 100 150

4.3 Compensation for Growth

  • PA9 has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)0.5
EPS Next 2Y1.65%
EPS Next 3Y1.33%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

3

5. PA9.DE Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 1.45%, PA9 has a reasonable but not impressive dividend return.
  • Compared to an average industry Dividend Yield of 4.28, PA9's dividend is way lower than its industry peers. On top of this 85.71% of the companies listed in the same industry pay a better dividend than PA9!
  • Compared to the average S&P500 Dividend Yield of 1.82, PA9 is paying slightly less dividend.
Industry RankSector Rank
Dividend Yield 1.45%

5.2 History

  • The dividend of PA9 has a limited annual growth rate of 5.40%.
Dividend Growth(5Y)5.4%
Div Incr Years0
Div Non Decr Years0
PA9.DE Yearly Dividends per sharePA9.DE Yearly Dividends per shareYearly Dividends per share 2019 2020 2021 2022 2023 2025 2026 1 2 3

5.3 Sustainability

  • 15.68% of the earnings are spent on dividend by PA9. This is a low number and sustainable payout ratio.
DP15.68%
EPS Next 2Y1.65%
EPS Next 3Y1.33%
PA9.DE Yearly Income VS Free CF VS DividendPA9.DE Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B 8B 10B
PA9.DE Dividend Payout.PA9.DE Dividend Payout, showing the Payout Ratio.PA9.DE Dividend Payout.PayoutRetained Earnings

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PA9.DE Fundamentals: All Metrics, Ratios and Statistics

TRAVELERS COS INC/THE

FRA:PA9 (4/10/2026, 7:00:00 PM)

254.1

-1.8 (-0.7%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)01-21
Earnings (Next)04-16
Inst Owners88.48%
Inst Owner ChangeN/A
Ins Owners0.41%
Ins Owner ChangeN/A
Market Cap54.95B
Revenue(TTM)48.83B
Net Income(TTM)6.24B
Analysts67.5
Price Target262.43 (3.28%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 1.45%
Yearly Dividend3.76
Dividend Growth(5Y)5.4%
DP15.68%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)25.78%
Min EPS beat(2)24.55%
Max EPS beat(2)27.01%
EPS beat(4)4
Avg EPS beat(4)67.6%
Min EPS beat(4)24.55%
Max EPS beat(4)142.66%
EPS beat(8)7
Avg EPS beat(8)46.71%
EPS beat(12)8
Avg EPS beat(12)22.2%
EPS beat(16)11
Avg EPS beat(16)21.87%
Revenue beat(2)0
Avg Revenue beat(2)-2.95%
Min Revenue beat(2)-3.81%
Max Revenue beat(2)-2.08%
Revenue beat(4)1
Avg Revenue beat(4)-0.17%
Min Revenue beat(4)-3.81%
Max Revenue beat(4)8.02%
Revenue beat(8)4
Avg Revenue beat(8)2.1%
Revenue beat(12)7
Avg Revenue beat(12)2.63%
Revenue beat(16)11
Avg Revenue beat(16)3.5%
PT rev (1m)0.39%
PT rev (3m)0.39%
EPS NQ rev (1m)-1.18%
EPS NQ rev (3m)-3.45%
EPS NY rev (1m)-0.07%
EPS NY rev (3m)1.84%
Revenue NQ rev (1m)0.21%
Revenue NQ rev (3m)-1.23%
Revenue NY rev (1m)0.07%
Revenue NY rev (3m)-1.57%
Valuation
Industry RankSector Rank
PE 10.75
Fwd PE 10.83
P/S 1.32
P/FCF 6.07
P/OCF 6.07
P/B 1.96
P/tB 2.26
EV/EBITDA 4.49
EPS(TTM)23.64
EY9.3%
EPS(NY)23.47
Fwd EY9.24%
FCF(TTM)41.88
FCFY16.48%
OCF(TTM)41.88
OCFY16.48%
SpS192.82
BVpS129.89
TBVpS112.51
PEG (NY)N/A
PEG (5Y)0.5
Graham Number262.85
Profitability
Industry RankSector Rank
ROA 4.34%
ROE 18.98%
ROCE 5.85%
ROIC 4.72%
ROICexc 4.75%
ROICexgc 5.43%
OM 16.84%
PM (TTM) 12.78%
GM N/A
FCFM 21.72%
ROA(3y)3.48%
ROA(5y)3.18%
ROE(3y)16.23%
ROE(5y)14.87%
ROIC(3y)3.76%
ROIC(5y)3.46%
ROICexc(3y)3.79%
ROICexc(5y)3.48%
ROICexgc(3y)4.36%
ROICexgc(5y)4.04%
ROCE(3y)4.66%
ROCE(5y)4.29%
ROICexgc growth 3Y19.57%
ROICexgc growth 5Y12.06%
ROICexc growth 3Y20.54%
ROICexc growth 5Y12.64%
OM growth 3Y18.43%
OM growth 5Y8.24%
PM growth 3Y18.7%
PM growth 5Y8.87%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.34
Health
Industry RankSector Rank
Debt/Equity 0.28
Debt/FCF 0.87
Debt/EBITDA 0.57
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 20.92
Cash Conversion 65.59%
Profit Quality 169.91%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC8.23%
ROIC/WACC0.57
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)204.18%
Profit Quality(5y)208.35%
High Growth Momentum
Growth
EPS 1Y (TTM)28.25%
EPS 3Y30.74%
EPS 5Y21.52%
EPS Q2Q%21.64%
EPS Next Y-0.73%
EPS Next 2Y1.65%
EPS Next 3Y1.33%
EPS Next 5Y-2.27%
Revenue 1Y (TTM)5.16%
Revenue growth 3Y9.76%
Revenue growth 5Y8.79%
Sales Q2Q%-9.59%
Revenue Next Year1.34%
Revenue Next 2Y2.2%
Revenue Next 3Y2.81%
Revenue Next 5Y3.05%
EBIT growth 1Y24.93%
EBIT growth 3Y30%
EBIT growth 5Y17.76%
EBIT Next Year18.21%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y16.88%
FCF growth 3Y17.94%
FCF growth 5Y10.22%
OCF growth 1Y16.88%
OCF growth 3Y17.94%
OCF growth 5Y10.22%

TRAVELERS COS INC/THE / PA9.DE Fundamental Analysis FAQ

What is the ChartMill fundamental rating of TRAVELERS COS INC/THE (PA9.DE) stock?

ChartMill assigns a fundamental rating of 5 / 10 to PA9.DE.


What is the valuation status of TRAVELERS COS INC/THE (PA9.DE) stock?

ChartMill assigns a valuation rating of 6 / 10 to TRAVELERS COS INC/THE (PA9.DE). This can be considered as Fairly Valued.


What is the profitability of PA9 stock?

TRAVELERS COS INC/THE (PA9.DE) has a profitability rating of 7 / 10.


Can you provide the financial health for PA9 stock?

The financial health rating of TRAVELERS COS INC/THE (PA9.DE) is 4 / 10.


Can you provide the dividend sustainability for PA9 stock?

The dividend rating of TRAVELERS COS INC/THE (PA9.DE) is 3 / 10 and the dividend payout ratio is 15.68%.