TRAVELERS COS INC/THE (TRV) Stock Fundamental Analysis

USA • New York Stock Exchange • NYSE:TRV • US89417E1091

301.49 USD
+1.18 (+0.39%)
At close: Feb 6, 2026
301.49 USD
0 (0%)
After Hours: 2/6/2026, 8:09:11 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

5

Overall TRV gets a fundamental rating of 5 out of 10. We evaluated TRV against 147 industry peers in the Insurance industry. While TRV has a great profitability rating, there are quite some concerns on its financial health. TRV is not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

7

1. Profitability

1.1 Basic Checks

  • TRV had positive earnings in the past year.
  • In the past year TRV had a positive cash flow from operations.
  • TRV had positive earnings in each of the past 5 years.
  • TRV had a positive operating cash flow in each of the past 5 years.
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 better Return On Assets (4.34%) than 78.91% of its industry peers.
  • The Return On Equity of TRV (18.98%) is better than 82.99% of its industry peers.
  • TRV has a better Return On Invested Capital (4.72%) than 75.51% of its industry peers.
  • The Average Return On Invested Capital over the past 3 years for TRV is significantly below the industry average of 14.93%.
  • The 3 year average ROIC (3.76%) for TRV 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%
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

  • The Profit Margin of TRV (12.78%) is better than 70.07% of its industry peers.
  • TRV's Profit Margin has improved in the last couple of years.
  • TRV's Operating Margin of 16.84% is fine compared to the rest of the industry. TRV outperforms 65.99% of its industry peers.
  • TRV's Operating Margin has improved in the last couple of years.
Industry RankSector Rank
OM 16.84%
PM (TTM) 12.78%
GM N/A
OM growth 3Y18.42%
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

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

3

2. Health

2.1 Basic Checks

  • TRV 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, TRV has less shares outstanding
  • TRV has less shares outstanding than it did 5 years ago.
  • TRV has a worse debt/assets ratio than last year.
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

  • TRV 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, TRV is in the better half of the industry, outperforming 72.79% of the companies in the same industry.
  • TRV has a Debt/Equity ratio of 0.28. This is a healthy value indicating a solid balance between debt and equity.
  • TRV's Debt to Equity ratio of 0.28 is in line compared to the rest of the industry. TRV outperforms 57.82% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.28
Debt/FCF 0.87
Altman-Z N/A
ROIC/WACC0.57
WACC8.26%
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

More info and screens

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

5

3. Growth

3.1 Past

  • TRV shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 28.25%, which is quite impressive.
  • The Earnings Per Share has been growing by 21.52% on average over the past years. This is a very strong growth
  • Looking at the last year, TRV shows a small growth in Revenue. The Revenue has grown by 5.16% in the last year.
  • Measured over the past years, TRV shows a quite strong growth in Revenue. The Revenue has been growing by 8.79% on average per year.
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%1.06%

3.2 Future

  • The Earnings Per Share is expected to decrease by -2.92% on average over the next years.
  • TRV is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.84% yearly.
EPS Next Y-2.09%
EPS Next 2Y1.05%
EPS Next 3Y-8.33%
EPS Next 5Y-2.92%
Revenue Next Year1.9%
Revenue Next 2Y2.75%
Revenue Next 3Y4.57%
Revenue Next 5Y3.84%

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 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 5 10 15 20 25

More info and screens

Find the best growth stocksShow best growing peers

5

4. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 10.89, which indicates a very decent valuation of TRV.
  • TRV's Price/Earnings is on the same level as the industry average.
  • When comparing the Price/Earnings ratio of TRV to the average of the S&P500 Index (27.92), we can say TRV is valued rather cheaply.
  • Based on the Price/Forward Earnings ratio of 11.12, the valuation of TRV can be described as reasonable.
  • TRV's Price/Forward Earnings ratio is in line with the industry average.
  • When comparing the Price/Forward Earnings ratio of TRV to the average of the S&P500 Index (27.78), we can say TRV is valued rather cheaply.
Industry RankSector Rank
PE 10.89
Fwd PE 11.12
TRV Price Earnings VS Forward Price EarningsTRV 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, TRV is valued a bit cheaper than the industry average as 78.91% of the companies are valued more expensively.
  • Based on the Price/Free Cash Flow ratio, TRV is valued a bit cheaper than 65.31% of the companies in the same industry.
Industry RankSector Rank
P/FCF 6.34
EV/EBITDA 4.66
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.
  • A cheap valuation may be justified as TRV's earnings are expected to decrease with -8.33% in the coming years.
PEG (NY)N/A
PEG (5Y)0.51
EPS Next 2Y1.05%
EPS Next 3Y-8.33%

More info and screens

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

5

5. Dividend

5.1 Amount

  • TRV has a Yearly Dividend Yield of 1.55%. Purely for dividend investing, there may be better candidates out there.
  • Compared to an average industry Dividend Yield of 2.21, TRV has a dividend in line with its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.83, TRV has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 1.55%

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 Years19
Div Non Decr Years19
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

  • TRV pays out 15.68% of its income as dividend. This is a sustainable payout ratio.
DP15.68%
EPS Next 2Y1.05%
EPS Next 3Y-8.33%
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

More info and screens

Find the best dividend stocksShow peers with best dividend

TRAVELERS COS INC/THE

NYSE:TRV (2/6/2026, 8:09:11 PM)

After market: 301.49 0 (0%)

301.49

+1.18 (+0.39%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)01-21
Earnings (Next)04-14
Inst Owners86.94%
Inst Owner Change-1.93%
Ins Owners0.36%
Ins Owner Change-0.01%
Market Cap67.25B
Revenue(TTM)48.83B
Net Income(TTM)6.24B
Analysts68.39
Price Target304.86 (1.12%)
Short Float %1.57%
Short Ratio2.25
Dividend
Industry RankSector Rank
Dividend Yield 1.55%
Yearly Dividend4.41
Dividend Growth(5Y)5.4%
DP15.68%
Div Incr Years19
Div Non Decr Years19
Ex-Date03-10
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)0
Avg Revenue beat(4)-3.13%
Min Revenue beat(4)-3.83%
Max Revenue beat(4)-2.08%
Revenue beat(8)0
Avg Revenue beat(8)-2.89%
Revenue beat(12)3
Avg Revenue beat(12)-1.41%
Revenue beat(16)7
Avg Revenue beat(16)0.47%
PT rev (1m)0.38%
PT rev (3m)0.95%
EPS NQ rev (1m)-0.76%
EPS NQ rev (3m)-0.34%
EPS NY rev (1m)0.44%
EPS NY rev (3m)2.36%
Revenue NQ rev (1m)-1.68%
Revenue NQ rev (3m)-0.66%
Revenue NY rev (1m)-1.02%
Revenue NY rev (3m)-2.41%
Valuation
Industry RankSector Rank
PE 10.89
Fwd PE 11.12
P/S 1.38
P/FCF 6.34
P/OCF 6.34
P/B 2.04
P/tB 2.36
EV/EBITDA 4.66
EPS(TTM)27.69
EY9.18%
EPS(NY)27.11
Fwd EY8.99%
FCF(TTM)47.55
FCFY15.77%
OCF(TTM)47.55
OCFY15.77%
SpS218.91
BVpS147.47
TBVpS127.73
PEG (NY)N/A
PEG (5Y)0.51
Graham Number303.11
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)3.78%
ROICexc(5y)3.48%
ROICexgc(3y)4.36%
ROICexgc(5y)4.03%
ROCE(3y)4.66%
ROCE(5y)4.29%
ROICexgc growth 3Y19.5%
ROICexgc growth 5Y12.02%
ROICexc growth 3Y20.47%
ROICexc growth 5Y12.6%
OM growth 3Y18.42%
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
WACC8.26%
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-2.09%
EPS Next 2Y1.05%
EPS Next 3Y-8.33%
EPS Next 5Y-2.92%
Revenue 1Y (TTM)5.16%
Revenue growth 3Y9.76%
Revenue growth 5Y8.79%
Sales Q2Q%1.06%
Revenue Next Year1.9%
Revenue Next 2Y2.75%
Revenue Next 3Y4.57%
Revenue Next 5Y3.84%
EBIT growth 1Y24.93%
EBIT growth 3Y29.99%
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 / TRV FAQ

What is the fundamental rating for TRV stock?

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


What is the valuation status of TRAVELERS COS INC/THE (TRV) stock?

ChartMill assigns a valuation rating of 5 / 10 to TRAVELERS COS INC/THE (TRV). This can be considered as Fairly Valued.


Can you provide the profitability details for TRAVELERS COS INC/THE?

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


How financially healthy is TRAVELERS COS INC/THE?

The financial health rating of TRAVELERS COS INC/THE (TRV) is 3 / 10.


What is the earnings growth outlook for TRAVELERS COS INC/THE?

The Earnings per Share (EPS) of TRAVELERS COS INC/THE (TRV) is expected to decline by -2.09% in the next year.