TRAVELERS COS INC/THE (PA9.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:PA9 - US89417E1091 - Common Stock
249.5 EUR
+0.1 (+0.04%)
Taking everything into account, PA9 scores 6 out of 10 in our fundamental rating. PA9 was compared to 47 industry peers in the Insurance industry. While PA9 has a great profitability rating, there are some minor concerns on its financial health. A decent growth rate in combination with a cheap valuation! Better keep an eye on PA9. These ratings could make PA9 a good candidate for value investing.
1. Profitability
1.1 Basic Checks
PA9 had positive earnings in the past year.
PA9 had a positive operating cash flow in the past year.
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.
1.2 Ratios
The Return On Assets of PA9 (4.06%) is better than 89.36% of its industry peers.
With a decent Return On Equity value of 18.45%, PA9 is doing good in the industry, outperforming 74.47% of the companies in the same industry.
PA9's Return On Invested Capital of 4.64% is amongst the best of the industry. PA9 outperforms 93.62% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for PA9 is in line with the industry average of 2.63%.
The last Return On Invested Capital (4.64%) for PA9 is above the 3 year average (3.24%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.06% | ||
| ROE | 18.45% | ||
| ROIC | 4.64% |
ROA(3y)2.84%
ROA(5y)2.77%
ROE(3y)14.27%
ROE(5y)12.91%
ROIC(3y)3.24%
ROIC(5y)3.19%
1.3 Margins
The Profit Margin of PA9 (12.05%) is better than 74.47% of its industry peers.
PA9's Profit Margin has improved in the last couple of years.
PA9's Operating Margin of 15.90% is fine compared to the rest of the industry. PA9 outperforms 78.72% of its industry peers.
In the last couple of years the Operating Margin of PA9 has grown nicely.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 15.9% | ||
| PM (TTM) | 12.05% | ||
| GM | N/A |
OM growth 3Y0.94%
OM growth 5Y5.14%
PM growth 3Y0.78%
PM growth 5Y5.33%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), 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.
PA9 has a better debt/assets ratio than last year.
2.2 Solvency
The Debt to FCF ratio of PA9 is 0.93, which is an excellent value as it means it would take PA9, only 0.93 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 0.93, PA9 belongs to the top of the industry, outperforming 93.62% of the companies in the same industry.
A Debt/Equity ratio of 0.29 indicates that PA9 is not too dependend on debt financing.
With an excellent Debt to Equity ratio value of 0.29, PA9 belongs to the best of the industry, outperforming 85.11% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.29 | ||
| Debt/FCF | 0.93 | ||
| Altman-Z | N/A |
ROIC/WACC0.56
WACC8.23%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 32.19% over the past year.
PA9 shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 17.60% yearly.
Looking at the last year, PA9 shows a small growth in Revenue. The Revenue has grown by 6.74% in the last year.
The Revenue has been growing by 8.01% on average over the past years. This is quite good.
EPS 1Y (TTM)32.19%
EPS 3Y15.59%
EPS 5Y17.6%
EPS Q2Q%55.34%
Revenue 1Y (TTM)6.74%
Revenue growth 3Y10.06%
Revenue growth 5Y8.01%
Sales Q2Q%-3.66%
3.2 Future
Based on estimates for the next years, PA9 will show a small growth in Earnings Per Share. The EPS will grow by 2.64% on average per year.
The Revenue is expected to grow by 3.60% on average over the next years.
EPS Next Y18.12%
EPS Next 2Y11.81%
EPS Next 3Y9.26%
EPS Next 5Y2.64%
Revenue Next Year2.65%
Revenue Next 2Y2.8%
Revenue Next 3Y3.1%
Revenue Next 5Y3.6%
3.3 Evolution
The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 11.40 indicates a reasonable valuation of PA9.
72.34% of the companies in the same industry are more expensive than PA9, based on the Price/Earnings ratio.
When comparing the Price/Earnings ratio of PA9 to the average of the S&P500 Index (26.51), we can say PA9 is valued rather cheaply.
PA9 is valuated reasonably with a Price/Forward Earnings ratio of 10.86.
Compared to the rest of the industry, the Price/Forward Earnings ratio of PA9 is on the same level as its industry peers.
PA9's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.13.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.4 | ||
| Fwd PE | 10.86 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, PA9 is valued cheaply inside the industry as 89.36% of the companies are valued more expensively.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of PA9 indicates a somewhat cheap valuation: PA9 is cheaper than 65.96% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.55 | ||
| EV/EBITDA | 4.72 |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
The decent profitability rating of PA9 may justify a higher PE ratio.
PEG (NY)0.63
PEG (5Y)0.65
EPS Next 2Y11.81%
EPS Next 3Y9.26%
5. Dividend
5.1 Amount
PA9 has a Yearly Dividend Yield of 1.50%.
With a Dividend Yield of 1.50, PA9 pays less dividend than the industry average, which is at 3.90. 87.23% of the companies listed in the same industry pay a better dividend than PA9!
Compared to the average S&P500 Dividend Yield of 2.00, PA9 is paying slightly less dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.5% |
5.2 History
The dividend of PA9 has a limited annual growth rate of 5.20%.
Dividend Growth(5Y)5.2%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
PA9 pays out 16.76% of its income as dividend. This is a sustainable payout ratio.
PA9's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP16.76%
EPS Next 2Y11.81%
EPS Next 3Y9.26%
FRA:PA9 (12/30/2025, 7:00:00 PM)
249.5
+0.1 (+0.04%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners86.95%
Inst Owner ChangeN/A
Ins Owners0.36%
Ins Owner ChangeN/A
Market Cap55.65B
Revenue(TTM)48.41B
Net Income(TTM)5.83B
Analysts68.67
Price Target261.42 (4.78%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.5% |
Yearly Dividend3.55
Dividend Growth(5Y)5.2%
DP16.76%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)51.59%
Min EPS beat(2)27.01%
Max EPS beat(2)76.17%
EPS beat(4)4
Avg EPS beat(4)70.63%
Min EPS beat(4)27.01%
Max EPS beat(4)142.66%
EPS beat(8)7
Avg EPS beat(8)48.17%
EPS beat(12)7
Avg EPS beat(12)20.07%
EPS beat(16)11
Avg EPS beat(16)22.42%
Revenue beat(2)0
Avg Revenue beat(2)-3.31%
Min Revenue beat(2)-3.81%
Max Revenue beat(2)-2.8%
Revenue beat(4)2
Avg Revenue beat(4)2.99%
Min Revenue beat(4)-3.81%
Max Revenue beat(4)10.55%
Revenue beat(8)5
Avg Revenue beat(8)3.4%
Revenue beat(12)8
Avg Revenue beat(12)3.59%
Revenue beat(16)12
Avg Revenue beat(16)4.61%
PT rev (1m)44.86%
PT rev (3m)44.86%
EPS NQ rev (1m)0.48%
EPS NQ rev (3m)21.69%
EPS NY rev (1m)0.18%
EPS NY rev (3m)26.66%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-8.42%
Revenue NY rev (1m)-0.12%
Revenue NY rev (3m)-4.7%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.4 | ||
| Fwd PE | 10.86 | ||
| P/S | 1.35 | ||
| P/FCF | 6.55 | ||
| P/OCF | 6.55 | ||
| P/B | 2.07 | ||
| P/tB | 2.42 | ||
| EV/EBITDA | 4.72 |
EPS(TTM)21.88
EY8.77%
EPS(NY)22.97
Fwd EY9.21%
FCF(TTM)38.1
FCFY15.27%
OCF(TTM)38.1
OCFY15.27%
SpS184.68
BVpS120.6
TBVpS103
PEG (NY)0.63
PEG (5Y)0.65
Graham Number243.66
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.06% | ||
| ROE | 18.45% | ||
| ROCE | 5.49% | ||
| ROIC | 4.64% | ||
| ROICexc | 4.67% | ||
| ROICexgc | 5.36% | ||
| OM | 15.9% | ||
| PM (TTM) | 12.05% | ||
| GM | N/A | ||
| FCFM | 20.63% |
ROA(3y)2.84%
ROA(5y)2.77%
ROE(3y)14.27%
ROE(5y)12.91%
ROIC(3y)3.24%
ROIC(5y)3.19%
ROICexc(3y)3.26%
ROICexc(5y)3.21%
ROICexgc(3y)3.79%
ROICexgc(5y)3.74%
ROCE(3y)3.82%
ROCE(5y)3.77%
ROICexgc growth 3Y6.65%
ROICexgc growth 5Y8.29%
ROICexc growth 3Y7.09%
ROICexc growth 5Y8.8%
OM growth 3Y0.94%
OM growth 5Y5.14%
PM growth 3Y0.78%
PM growth 5Y5.33%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.34
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.29 | ||
| Debt/FCF | 0.93 | ||
| Debt/EBITDA | 0.59 | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 19.64 | ||
| Cash Conversion | 63.94% | ||
| Profit Quality | 171.24% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score7
WACC8.23%
ROIC/WACC0.56
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)223.91%
Profit Quality(5y)223.05%
High Growth Momentum
Growth
EPS 1Y (TTM)32.19%
EPS 3Y15.59%
EPS 5Y17.6%
EPS Q2Q%55.34%
EPS Next Y18.12%
EPS Next 2Y11.81%
EPS Next 3Y9.26%
EPS Next 5Y2.64%
Revenue 1Y (TTM)6.74%
Revenue growth 3Y10.06%
Revenue growth 5Y8.01%
Sales Q2Q%-3.66%
Revenue Next Year2.65%
Revenue Next 2Y2.8%
Revenue Next 3Y3.1%
Revenue Next 5Y3.6%
EBIT growth 1Y27.98%
EBIT growth 3Y11.1%
EBIT growth 5Y13.56%
EBIT Next Year39.11%
EBIT Next 3Y9.96%
EBIT Next 5YN/A
FCF growth 1Y43.73%
FCF growth 3Y7.65%
FCF growth 5Y11.76%
OCF growth 1Y43.73%
OCF growth 3Y7.65%
OCF growth 5Y11.76%
TRAVELERS COS INC/THE / PA9.DE FAQ
What is the ChartMill fundamental rating of TRAVELERS COS INC/THE (PA9.DE) stock?
ChartMill assigns a fundamental rating of 6 / 10 to PA9.DE.
What is the valuation status of TRAVELERS COS INC/THE (PA9.DE) stock?
ChartMill assigns a valuation rating of 7 / 10 to TRAVELERS COS INC/THE (PA9.DE). This can be considered as Undervalued.
Can you provide the profitability details for TRAVELERS COS INC/THE?
TRAVELERS COS INC/THE (PA9.DE) has a profitability rating of 7 / 10.
What is the valuation of TRAVELERS COS INC/THE based on its PE and PB ratios?
The Price/Earnings (PE) ratio for TRAVELERS COS INC/THE (PA9.DE) is 11.4 and the Price/Book (PB) ratio is 2.07.
What is the expected EPS growth for TRAVELERS COS INC/THE (PA9.DE) stock?
The Earnings per Share (EPS) of TRAVELERS COS INC/THE (PA9.DE) is expected to grow by 18.12% in the next year.