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

FRA:PA9 • US89417E1091

Current stock price

257.4 EUR
+5.8 (+2.31%)
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

  • In the past year PA9 was profitable.
  • In the past year PA9 had a positive cash flow from operations.
  • PA9 had positive earnings in each of the past 5 years.
  • 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 5.30%. This is amongst the best in the industry. PA9 outperforms 84.44% of its industry peers.
  • With a decent Return On Equity value of 23.60%, PA9 is doing good in the industry, outperforming 73.33% of the companies in the same industry.
  • PA9 has a Return On Invested Capital of 5.74%. This is amongst the best in the industry. PA9 outperforms 88.89% of its industry peers.
  • The Average Return On Invested Capital over the past 3 years for PA9 is in line with the industry average of 3.90%.
  • The 3 year average ROIC (3.76%) for PA9 is below the current ROIC(5.74%), indicating increased profibility in the last year.
Industry RankSector Rank
ROA 5.3%
ROE 23.6%
ROIC 5.74%
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

  • PA9 has a better Profit Margin (15.42%) than 80.00% of its industry peers.
  • In the last couple of years the Profit Margin of PA9 has grown nicely.
  • PA9's Operating Margin of 20.21% is fine compared to the rest of the industry. PA9 outperforms 80.00% of its industry peers.
  • PA9's Operating Margin has improved in the last couple of years.
Industry RankSector Rank
OM 20.21%
PM (TTM) 15.42%
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

  • PA9 has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
  • Compared to 1 year ago, PA9 has less shares outstanding
  • The number of shares outstanding for PA9 has been reduced compared to 5 years ago.
  • The debt/assets ratio for PA9 is higher compared to a year ago.
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

  • The Debt to FCF ratio of PA9 is 0.81, which is an excellent value as it means it would take PA9, only 0.81 years of fcf income to pay off all of its debts.
  • PA9's Debt to FCF ratio of 0.81 is amongst the best of the industry. PA9 outperforms 88.89% of its industry peers.
  • PA9 has a Debt/Equity ratio of 0.29. This is a healthy value indicating a solid balance between debt and equity.
  • PA9 has a better Debt to Equity ratio (0.29) than 77.78% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.29
Debt/FCF 0.81
Altman-Z N/A
ROIC/WACC0.7
WACC8.19%
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 78.04% 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.
  • The Revenue has been growing slightly by 4.11% in the past year.
  • Measured over the past years, PA9 shows a quite strong growth in Revenue. The Revenue has been growing by 8.79% on average per year.
EPS 1Y (TTM)78.04%
EPS 3Y30.74%
EPS 5Y21.52%
EPS Q2Q%303.66%
Revenue 1Y (TTM)4.11%
Revenue growth 3Y9.76%
Revenue growth 5Y8.79%
Sales Q2Q%-12.48%

3.2 Future

  • Based on estimates for the next years, PA9 will show a decrease in Earnings Per Share. The EPS will decrease by -2.27% on average per year.
  • Based on estimates for the next years, PA9 will show a small growth in Revenue. The Revenue will grow by 3.05% on average per year.
EPS Next Y-0.73%
EPS Next 2Y1.65%
EPS Next 3Y1.33%
EPS Next 5Y-2.27%
Revenue Next Year1%
Revenue Next 2Y2.18%
Revenue Next 3Y2.77%
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.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
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

  • The Price/Earnings ratio is 9.07, which indicates a very decent valuation of PA9.
  • Based on the Price/Earnings ratio, PA9 is valued cheaply inside the industry as 91.11% of the companies are valued more expensively.
  • PA9's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.89.
  • PA9 is valuated reasonably with a Price/Forward Earnings ratio of 10.61.
  • 66.67% of the companies in the same industry are more expensive than PA9, based on the Price/Forward Earnings ratio.
  • The average S&P500 Price/Forward Earnings ratio is at 38.50. PA9 is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 9.07
Fwd PE 10.61
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

  • PA9's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. PA9 is cheaper than 88.89% of the companies in the same industry.
  • 68.89% of the companies in the same industry are more expensive than PA9, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 5.64
EV/EBITDA 4.09
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)0.42
EPS Next 2Y1.65%
EPS Next 3Y1.33%

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

3

5. PA9.DE Dividend Analysis

5.1 Amount

  • PA9 has a Yearly Dividend Yield of 1.67%. Purely for dividend investing, there may be better candidates out there.
  • PA9's Dividend Yield is slightly below the industry average, which is at 3.89.
  • Compared to an average S&P500 Dividend Yield of 1.82, PA9 has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 1.67%

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

  • 12.93% of the earnings are spent on dividend by PA9. This is a low number and sustainable payout ratio.
DP12.93%
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 (4/17/2026, 7:00:00 PM)

257.4

+5.8 (+2.31%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)04-16
Earnings (Next)07-15
Inst Owners88.48%
Inst Owner ChangeN/A
Ins Owners0.41%
Ins Owner ChangeN/A
Market Cap54.73B
Revenue(TTM)48.95B
Net Income(TTM)7.55B
Analysts67.5
Price Target263.12 (2.22%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 1.67%
Yearly Dividend3.74
Dividend Growth(5Y)5.4%
DP12.93%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)16.2%
Min EPS beat(2)7.85%
Max EPS beat(2)24.55%
EPS beat(4)4
Avg EPS beat(4)33.89%
Min EPS beat(4)7.85%
Max EPS beat(4)76.17%
EPS beat(8)8
Avg EPS beat(8)48.34%
EPS beat(12)9
Avg EPS beat(12)23.74%
EPS beat(16)11
Avg EPS beat(16)21.36%
Revenue beat(2)0
Avg Revenue beat(2)-2.92%
Min Revenue beat(2)-3.75%
Max Revenue beat(2)-2.08%
Revenue beat(4)0
Avg Revenue beat(4)-3.11%
Min Revenue beat(4)-3.81%
Max Revenue beat(4)-2.08%
Revenue beat(8)3
Avg Revenue beat(8)0.91%
Revenue beat(12)6
Avg Revenue beat(12)1.94%
Revenue beat(16)10
Avg Revenue beat(16)2.72%
PT rev (1m)0.65%
PT rev (3m)0.65%
EPS NQ rev (1m)0.22%
EPS NQ rev (3m)1.62%
EPS NY rev (1m)-0.07%
EPS NY rev (3m)1.84%
Revenue NQ rev (1m)0.02%
Revenue NQ rev (3m)-1.29%
Revenue NY rev (1m)-0.24%
Revenue NY rev (3m)-1.83%
Valuation
Industry RankSector Rank
PE 9.07
Fwd PE 10.61
P/S 1.32
P/FCF 5.64
P/OCF 5.64
P/B 2.02
P/tB 2.34
EV/EBITDA 4.09
EPS(TTM)28.39
EY11.03%
EPS(NY)24.25
Fwd EY9.42%
FCF(TTM)45.62
FCFY17.72%
OCF(TTM)45.62
OCFY17.72%
SpS195.12
BVpS127.51
TBVpS110.01
PEG (NY)N/A
PEG (5Y)0.42
Graham Number285.395 (10.88%)
Profitability
Industry RankSector Rank
ROA 5.3%
ROE 23.6%
ROCE 7.12%
ROIC 5.74%
ROICexc 5.76%
ROICexgc 6.61%
OM 20.21%
PM (TTM) 15.42%
GM N/A
FCFM 23.38%
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 0.29
Debt/FCF 0.81
Debt/EBITDA 0.52
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 23.22
Cash Conversion 64.18%
Profit Quality 151.6%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC8.19%
ROIC/WACC0.7
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)78.04%
EPS 3Y30.74%
EPS 5Y21.52%
EPS Q2Q%303.66%
EPS Next Y-0.73%
EPS Next 2Y1.65%
EPS Next 3Y1.33%
EPS Next 5Y-2.27%
Revenue 1Y (TTM)4.11%
Revenue growth 3Y9.76%
Revenue growth 5Y8.79%
Sales Q2Q%-12.48%
Revenue Next Year1%
Revenue Next 2Y2.18%
Revenue Next 3Y2.77%
Revenue Next 5Y3.05%
EBIT growth 1Y74.15%
EBIT growth 3Y30%
EBIT growth 5Y17.76%
EBIT Next Year18.21%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y40.3%
FCF growth 3Y17.94%
FCF growth 5Y10.22%
OCF growth 1Y40.3%
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 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.


What is the profitability of PA9 stock?

TRAVELERS COS INC/THE (PA9.DE) has a profitability rating of 8 / 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 12.93%.