TRAVELERS COS INC/THE (PA9.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:PA9 - US89417E1091 - Common Stock
249.4 EUR
+3.1 (+1.26%)
We assign a fundamental rating of 6 out of 10 to PA9. PA9 was compared to 47 industry peers in the Insurance industry. While PA9 belongs to the best of the industry regarding profitability, there are some minor concerns on its financial health. PA9 is valued quite cheap, while showing a decent growth score. This is a good combination! These ratings would make PA9 suitable for value investing!
1. Profitability
1.1 Basic Checks
PA9 had positive earnings in the past year.
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.
1.2 Ratios
With an excellent Return On Assets value of 4.06%, PA9 belongs to the best of the industry, outperforming 89.36% of the companies in the same industry.
PA9 has a Return On Equity of 18.45%. This is in the better half of the industry: PA9 outperforms 74.47% of its industry peers.
The Return On Invested Capital of PA9 (4.64%) is better than 93.62% 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 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 has a better Operating Margin (15.90%) than 78.72% of its industry peers.
PA9's Operating Margin has improved in the last couple of years.
| 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
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
Compared to 5 years ago, PA9 has less shares outstanding
PA9 has a better debt/assets ratio than last year.
2.2 Solvency
PA9 has a debt to FCF ratio of 0.93. This is a very positive value and a sign of high solvency as it would only need 0.93 years to pay back of all of its debts.
PA9 has a Debt to FCF ratio of 0.93. This is amongst the best in the industry. PA9 outperforms 93.62% of its industry peers.
A Debt/Equity ratio of 0.29 indicates that PA9 is not too dependend on debt financing.
PA9 has a better Debt to Equity ratio (0.29) than 85.11% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.29 | ||
| Debt/FCF | 0.93 | ||
| Altman-Z | N/A |
ROIC/WACC0.57
WACC8.19%
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.
The Earnings Per Share has been growing by 17.60% on average over the past years. This is quite good.
Looking at the last year, PA9 shows a small growth in Revenue. The Revenue has grown by 6.74% in the last year.
Measured over the past years, PA9 shows a quite strong growth in Revenue. The Revenue has been growing by 8.01% on average per year.
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
The Earnings Per Share is expected to grow by 2.64% on average over the next years.
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
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.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 11.44 indicates a reasonable valuation of PA9.
Compared to the rest of the industry, the Price/Earnings ratio of PA9 indicates a somewhat cheap valuation: PA9 is cheaper than 72.34% of the companies listed in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.84, PA9 is valued rather cheaply.
PA9 is valuated reasonably with a Price/Forward Earnings ratio of 10.89.
Compared to the rest of the industry, the Price/Forward Earnings ratio of PA9 is on the same level as its industry peers.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.40, PA9 is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.44 | ||
| Fwd PE | 10.89 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, PA9 is valued cheaper than 89.36% of the companies in the same industry.
Based on the Price/Free Cash Flow ratio, PA9 is valued a bit cheaper than the industry average as 65.96% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.57 | ||
| EV/EBITDA | 4.73 |
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.
PA9 has a very decent profitability rating, which 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%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.90, PA9's dividend is way lower than its industry peers. On top of this 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 (12/22/2025, 7:00:00 PM)
249.4
+3.1 (+1.26%)
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 Cap55.63B
Revenue(TTM)48.41B
Net Income(TTM)5.83B
Analysts68.67
Price Target261.42 (4.82%)
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 | 11.44 | ||
| Fwd PE | 10.89 | ||
| P/S | 1.35 | ||
| P/FCF | 6.57 | ||
| P/OCF | 6.57 | ||
| P/B | 2.07 | ||
| P/tB | 2.43 | ||
| EV/EBITDA | 4.73 |
EPS(TTM)21.81
EY8.74%
EPS(NY)22.9
Fwd EY9.18%
FCF(TTM)37.98
FCFY15.23%
OCF(TTM)37.98
OCFY15.23%
SpS184.1
BVpS120.22
TBVpS102.68
PEG (NY)0.63
PEG (5Y)0.65
Graham Number242.89
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
WACC8.19%
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)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.
Can you provide the valuation status for TRAVELERS COS INC/THE?
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 11.44 and the Price/Book (PB) ratio is 2.07.
How sustainable is the dividend of TRAVELERS COS INC/THE (PA9.DE) stock?
The dividend rating of TRAVELERS COS INC/THE (PA9.DE) is 3 / 10 and the dividend payout ratio is 16.76%.