TRAVELERS COS INC/THE (TRV) Fundamental Analysis & Valuation

NYSE:TRV • US89417E1091

Current stock price

307.33 USD
+5.65 (+1.87%)
At close:
306 USD
-1.33 (-0.43%)
After Hours:

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

7

1. TRV Profitability Analysis

1.1 Basic Checks

  • In the past year TRV was profitable.
  • TRV had a positive operating cash flow in the past year.
  • Each year in the past 5 years TRV has been profitable.
  • Each year in the past 5 years TRV had a positive operating cash flow.
TRV Yearly Net Income VS EBIT VS OCF VS FCFTRV 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

  • TRV has a Return On Assets of 5.30%. This is in the better half of the industry: TRV outperforms 78.23% of its industry peers.
  • TRV's Return On Equity of 23.60% is amongst the best of the industry. TRV outperforms 87.76% of its industry peers.
  • With a decent Return On Invested Capital value of 5.74%, TRV is doing good in the industry, outperforming 76.19% of the companies in the same industry.
  • The Average Return On Invested Capital over the past 3 years for TRV is significantly below the industry average of 9.51%.
  • The last Return On Invested Capital (5.74%) for TRV is above the 3 year average (3.76%), which is a sign of increasing profitability.
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%
TRV Yearly ROA, ROE, ROICTRV Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15

1.3 Margins

  • TRV has a Profit Margin of 15.42%. This is in the better half of the industry: TRV outperforms 75.51% of its industry peers.
  • In the last couple of years the Profit Margin of TRV has grown nicely.
  • TRV has a better Operating Margin (20.21%) than 74.83% of its industry peers.
  • TRV'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
TRV Yearly Profit, Operating, Gross MarginsTRV 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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3

2. TRV Health Analysis

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), TRV is destroying value.
  • Compared to 1 year ago, TRV has less shares outstanding
  • The number of shares outstanding for TRV has been reduced compared to 5 years ago.
  • The debt/assets ratio for TRV is higher compared to a year ago.
TRV Yearly Shares OutstandingTRV Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M 200M 250M
TRV Yearly Total Debt VS Total AssetsTRV 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 TRV is 0.81, which is an excellent value as it means it would take TRV, only 0.81 years of fcf income to pay off all of its debts.
  • TRV's Debt to FCF ratio of 0.81 is fine compared to the rest of the industry. TRV outperforms 69.39% of its industry peers.
  • TRV has a Debt/Equity ratio of 0.29. This is a healthy value indicating a solid balance between debt and equity.
  • TRV has a Debt to Equity ratio (0.29) which is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 0.29
Debt/FCF 0.81
Altman-Z N/A
ROIC/WACC0.69
WACC8.32%
TRV Yearly LT Debt VS Equity VS FCFTRV 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
TRV Yearly Current Assets VS Current LiabilitesTRV 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. TRV Growth Analysis

3.1 Past

  • TRV shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 78.04%, which is quite impressive.
  • TRV shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 21.52% yearly.
  • TRV shows a small growth in Revenue. In the last year, the Revenue has grown by 4.11%.
  • The Revenue has been growing by 8.79% on average over the past years. This is quite good.
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%-1.68%

3.2 Future

  • The Earnings Per Share is expected to decrease by -1.66% on average over the next years.
  • The Revenue is expected to grow by 2.40% on average over the next years.
EPS Next Y-0.73%
EPS Next 2Y1.65%
EPS Next 3Y1.33%
EPS Next 5Y-1.66%
Revenue Next Year1%
Revenue Next 2Y2.18%
Revenue Next 3Y2.77%
Revenue Next 5Y2.4%

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.
TRV Yearly Revenue VS EstimatesTRV Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 10B 20B 30B 40B 50B
TRV Yearly EPS VS EstimatesTRV Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 5 10 15 20 25

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6

4. TRV Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 9.18, the valuation of TRV can be described as reasonable.
  • Based on the Price/Earnings ratio, TRV is valued a bit cheaper than the industry average as 63.95% of the companies are valued more expensively.
  • Compared to an average S&P500 Price/Earnings ratio of 27.50, TRV is valued rather cheaply.
  • TRV is valuated reasonably with a Price/Forward Earnings ratio of 10.74.
  • TRV's Price/Forward Earnings is on the same level as the industry average.
  • TRV is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.62, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 9.18
Fwd PE 10.74
TRV Price Earnings VS Forward Price EarningsTRV Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of TRV indicates a rather cheap valuation: TRV is cheaper than 80.95% of the companies listed in the same industry.
  • Based on the Price/Free Cash Flow ratio, TRV is valued a bit cheaper than the industry average as 62.59% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 5.71
EV/EBITDA 4.07
TRV Per share dataTRV EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 50 100 150 200

4.3 Compensation for Growth

  • TRV has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)0.43
EPS Next 2Y1.65%
EPS Next 3Y1.33%

More info and screens

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

5

5. TRV Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 1.66%, TRV has a reasonable but not impressive dividend return.
  • TRV's Dividend Yield is comparable with the industry average which is at 2.37.
  • Compared to an average S&P500 Dividend Yield of 1.81, TRV has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 1.66%

5.2 History

  • The dividend of TRV has a limited annual growth rate of 5.40%.
  • TRV has been paying a dividend for at least 10 years, so it has a reliable track record.
  • TRV has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)5.4%
Div Incr Years20
Div Non Decr Years20
TRV Yearly Dividends per shareTRV Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 1 2 3 4

5.3 Sustainability

  • 12.93% of the earnings are spent on dividend by TRV. This is a low number and sustainable payout ratio.
DP12.93%
EPS Next 2Y1.65%
EPS Next 3Y1.33%
TRV Yearly Income VS Free CF VS DividendTRV 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
TRV Dividend Payout.TRV Dividend Payout, showing the Payout Ratio.TRV Dividend Payout.PayoutRetained Earnings

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TRV Fundamentals: All Metrics, Ratios and Statistics

TRAVELERS COS INC/THE

NYSE:TRV (4/23/2026, 4:15:58 PM)

After market: 306 -1.33 (-0.43%)

307.33

+5.65 (+1.87%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)04-16
Earnings (Next)07-15
Inst Owners88.48%
Inst Owner Change0.03%
Ins Owners0.41%
Ins Owner Change4.85%
Market Cap65.35B
Revenue(TTM)48.95B
Net Income(TTM)7.55B
Analysts67.5
Price Target311.52 (1.36%)
Short Float %2.05%
Short Ratio2.87
Dividend
Industry RankSector Rank
Dividend Yield 1.66%
Yearly Dividend4.41
Dividend Growth(5Y)5.4%
DP12.93%
Div Incr Years20
Div Non Decr Years20
Ex-Date06-10
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)0
Avg Revenue beat(8)-2.86%
Revenue beat(12)2
Avg Revenue beat(12)-2.1%
Revenue beat(16)6
Avg Revenue beat(16)-0.31%
PT rev (1m)1.39%
PT rev (3m)2.18%
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 9.18
Fwd PE 10.74
P/S 1.34
P/FCF 5.71
P/OCF 5.71
P/B 2.04
P/tB 2.37
EV/EBITDA 4.07
EPS(TTM)33.49
EY10.9%
EPS(NY)28.61
Fwd EY9.31%
FCF(TTM)53.82
FCFY17.51%
OCF(TTM)53.82
OCFY17.51%
SpS230.18
BVpS150.42
TBVpS129.77
PEG (NY)N/A
PEG (5Y)0.43
Graham Number336.671 (9.55%)
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
WACC8.32%
ROIC/WACC0.69
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-1.66%
Revenue 1Y (TTM)4.11%
Revenue growth 3Y9.76%
Revenue growth 5Y8.79%
Sales Q2Q%-1.68%
Revenue Next Year1%
Revenue Next 2Y2.18%
Revenue Next 3Y2.77%
Revenue Next 5Y2.4%
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 / TRV Fundamental Analysis FAQ

What is the fundamental rating for TRV stock?

ChartMill assigns a fundamental rating of 5 / 10 to TRV.


What is the valuation status for TRV stock?

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


What is the profitability of TRV stock?

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


What are the PE and PB ratios of TRAVELERS COS INC/THE (TRV) stock?

The Price/Earnings (PE) ratio for TRAVELERS COS INC/THE (TRV) is 9.18 and the Price/Book (PB) ratio is 2.04.


Can you provide the expected EPS growth for TRV stock?

The Earnings per Share (EPS) of TRAVELERS COS INC/THE (TRV) is expected to decline by -0.73% in the next year.