Travelers offers a broad product range and participates in both commercial and personal insurance lines. Its commercial operations offer a variety of coverage types for companies of any size but concentrate on serving midsize businesses.
It is a $76.9B financial services company. Revenue grew 2.4% over the last year, and it keeps 17¢ of every dollar of sales as profit. It trades at 9.3× earnings — near the lowest of its own history.
- Website
- travelers.com
- Location
- Saint Paul, MN
- Employees
- 34 000
- Sector
- Financial Services
- Founded
- 1853
- Next earnings
- Oct 16, 2026 · in 4d
Skills
Six independent scores, 0–100, built from reported numbers and valuation history. Click a row to see how it was scored.
Strong valuation and profitability; Health and Moat lag behind.
Valuation100
- P/E vs own history8th pct · 25/25
- FCF yield14.3% · 25/25
- P/S1.6x · 25/25
- EV/EBITDA7.4x · 25/25
Growth57
- Revenue CAGR8.8% · 12/25
- Net income CAGR14.5% · 20/25
- EPS CAGR ~5Y21.1% · 25/25
- Fwd implied growth-20.1% · 0/25
Profitability85
- ROIC24.4% · 20/25
- ROE25.6% · 25/25
- Net margin17.0% · 20/25
- Operating margin22.0% · 20/25
Health37
- Altman Zn/a · 0/25
- Current ratio1.00 · 12/25
- Interest coverage19.3x · 25/25
- Net cash / debtn/a · 0/25
Quality65
- Piotroski F6/9 · 15/25
- Beneish M-2.61 · 25/25
- FCF conversionn/a · 0/25
- Margin stabilityσ 3.5% · 25/25
Moat38
- ROIC >12% years7/10 yrs · 20/25
- Median gross marginn/a · 0/25
- FCF-positive yearsn/a · 0/25
- Worst-year net marginworst 7.1% · 18/25
Experience
The company's career so far — founding, the IPO, landmark products and acquisitions, plus revenue milestones and insider buying.
- FY2025FinancialBest year on record$6.29B net income
- FY2016FinancialProfitable every year on record10 consecutive profitable years in our data
- FY2016FinancialRevenue already above $10B$27.6B in first reported year
- FY2016FinancialPositive free cash flow every year since10-year streak
- 2015AcquisitionTravelers acquired a majority interest in the property casualty business of its J
- 2013AcquisitionTravelers announced the acquisition of Dominion of Canada General Insurance Company from E-L Financial…
- 2003AcquisitionTravelers bought renewal rights for Royal & SunAlliance Personal Insurance and Commercial businesses
- 2002MilestoneHowever, the synergies between the banking and insurance arms of the company did not work as well as planned, so…
- 1998AcquisitionIt acquired USF&G, known formerly as United States Fidelity and Guaranty Company, an insurance company based…
- 1997AcquisitionTravelers Group acquired investment bank Salomon Brothers
- 1995MilestoneIt became The Travelers Group
- 1993AcquisitionIt was bought by Primerica in December 1993, but the resulting company retained the Travelers name
- 1859MilestoneBatterson, a stone contractor who became aware for the first time of accident insurance for travelers (i.e., an…
- 1853FoundedSaint Paul Fire and Marine Insurance Co. was founded March 5, 1853, in Saint Paul, Minnesota, to serve local…
Achievements
Verifiable track record, straight from the reported numbers.
Strengths & watch-outs
What a bull and a bear would each point to. Both lists come from the reported numbers, not opinions.
Strengths
- Strong cash conversion — FCF is 22.5% of revenue
- Interest covered 19.3× by operating earnings
- High returns on invested capital (ROIC 24.4%)
Watch-outs
Nothing stands out as a concern in the available data.
Qualifications
The basics a company should meet before you research it further. Each check uses the reported numbers.
- Revenue growing — the company sells more than a year ago+2.4% YoY
- Profitable — makes more than it spends$8.30B TTM
- Profit growing — earnings are higher than last year+32.6% YoY
- Generates cash — cash left after running and investing$11.0B TTM
- Debt under control — could handle its obligationscurrent ratio 1.00
- Established company — not a micro-cap — lower blow-up risk$76.9B market cap
- Not printing shares — share count not ballooning — you keep your slice-10.6% shares over ~5y
- Proven track record — years of profitability behind it10/10 profitable years
- Financially stable — balance sheet not near distresshealth score 37/100
- Pays a dividend — returns cash to shareholdersyield 1.29%
- Valuation not extreme — price not wildly above earningsP/E 9.3
Peer comparisonThe Travelers Companies, Inc. vs 6 largest financial services peers — cap, P/E, growth and margin side by sideOpen ▾Close ▴
| Company | Market cap | P/E | Revenue growth | Net margin | Profile |
|---|---|---|---|---|---|
| TRV this company | $76.9B | 9.3 | +2.4% | 17.0% | Mixed |
| BRK.A Berkshire Hathaway Inc. | $1.1T | 11.6 | +3.9% | 22.3% | Mixed |
| BRK.B Berkshire Hathaway | $1.1T | 11.6 | +0.0% | 18.0% | Strong |
| JPM JPMorgan Chase & Co. | $886.2B | 13.6 | +13.5% | 32.6% | Strained |
| V VISA Inc. | $723.9B | 31.9 | +14.4% | 50.8% | Solid |
| MA Mastercard Incorporated | $516.4B | 31.7 | +16.0% | 46.3% | Mixed |
| BAC Bank of America Corporation | $380.4B | 11.3 | +15.9% | 27.8% | Mixed |
Head-to-head: TRV vs BRK.A · TRV vs BRK.B · TRV vs JPM
References
What covering analysts publish about the company — information only, not a recommendation.
Appendix · Financial records
The full statements behind this CV, FY2016–FY2025. For readers who want to check the numbers.
Live data and quarterly detail: stockcv.com/TRV
Want the live picture — intraday moves, valuation history and full analysis?
Deeper analysis of TRV on PreMarketPriceFigures are derived from company filings (quarterly values normalised from as-filed year-to-date data where applicable) and may be delayed, restated or incomplete. This page is information, not investment advice. Latest price $368.75 · market cap $76.9B.