Stock Analysis
The Travelers Companies, Inc.TRV
P/E 9.79×· 5Y range 8.30–24.47×· bottom 11% of history
Sector: Financial Services · Industry: Fire, Marine & Casualty Insurance
AnalystsHold35 analystsP/E 9.8× sits at the 11th percentile of its 5.086926762491444-year history.
PMP Verdict
Mixed fundamentals, cheap valuation
Strengths
- Profitability90
- Quality65
Risks
- Financial Health47
Mixed business trading cheap — priced for skepticism.
Market context
+1.5% today· Z 1.3σ· RVOL 2.6×· TRV dropped 4.14% ahead of its Q3 earnings report, amid investor anxiety over catastrophe losses and pricing pressure.
Bull Case
- ✓ROE 25.2% — efficient capital deployment
- ✓Interest coverage 22.3× — debt well covered
- ✓P/E 9.8× at bottom 11% of 5-year history
What's happening with TRV
Profile
Strong profitability; moat and financial health lag behind.
How is each axis scored?
- Valuation70/100 · Moderate
- P/E vs own history (11th pct)25/25
- FCF yield (n/a)10/25
- P/S (1.7x)25/25
- EV/EBIT (n/a)10/25
- Growth52/100 · Moderate
- Revenue CAGR (8.8%)12/25
- Net income CAGR (14.5%)20/25
- EPS CAGR 5Y (17.3%)20/25
- Fwd implied growth (-15.5%)0/25
- Profitability90/100 · Strong
- ROIC (30.7%)25/25
- ROE (25.2%)25/25
- Net margin (17.0%)20/25
- Operating margin (21.6%)20/25
- Financial Health47/100 · Weak
- Altman Z (1.53)10/25
- Current ratio (1.00)12/25
- Interest coverage (22.3x)25/25
- Net cash / debt (n/a)0/25
- Quality65/100 · Moderate
- Piotroski F (6/9)15/25
- Beneish M (-2.61)25/25
- FCF conversion (n/a)0/25
- Margin stability (σ 3.5%)25/25
- Moat38/100 · Weak
- ROIC >12% years (7/10 yrs)20/25
- Median gross margin (n/a)0/25
- FCF-positive years (n/a)0/25
- Worst-year net margin (worst 7.1%)18/25
Risk Flags
- ⚠Altman Z 1.5 — distress-zone balance sheet
About The Travelers Companies, Inc.
Travelers offers a broad product range and participates in both commercial and personal insurance lines. Show more
Its commercial operations offer a variety of coverage types for companies of any size but concentrate on serving midsize businesses. Its personal lines are roughly evenly split between auto and homeowners insurance.
Headquarters: SAINT PAUL, MN · Employees: 34,000 · Website ↗
Price History
Weekly Candlestick Chart — up to 5Y
Key Metrics
Financial snapshot · Tap any metric for its definition and grade
TTM Snapshot
trailing twelve months · YoYValuation
70B+P/E (TTM)9.8xA
Grade A: CheapPrice / TTM EPS (own statements) — vs own 5Y history: 8.3x–24.5x · 11th pct
P/FCF7.2xA
Grade A: CheapPrice / Free Cash Flow per share (Finnhub). Inverse of FCF yield — negative when FCF is negative
FCF Yield13.8%A
Grade A: ValueInverse of Finnhub P/FCF (own TTM FCF unavailable)
P/S (TTM)1.66xA
Grade A: CheapPrice / TTM Revenue (own statements) — vs own 5Y history: 0.9x–1.7x · highest in history
EV/EBITDA7.7xA
Grade A: CheapEnterprise value / EBITDA (Finnhub) — capital-structure neutral
EV/Sales1.8xA
Grade A: CheapEnterprise Value / TTM Revenue (Finnhub) — capital-structure neutral sales multiple
Forward P/E11.6xA
Grade A: CheapPrice / next-year EPS estimate — shows whether the TTM multiple is rich or just front-loading growth
P/B Ratio2.47xA
Grade A: FairPrice to Book Value. Neg. equity = heavy buybacks
PEG Ratio14.83D
Grade D: ExpensiveFinnhub PEG — their P/E basis ÷ expected EPS growth. Suppressed when their P/E diverges >2× from our TTM P/E (different basis)
Dividend Yield1.24%A
Grade A: PaysTTM dividend yield (Finnhub) — annual dividends / price. None = no dividend; very high yield can signal distress
Payout Ratio11.9%A
Grade A: SafeDividends / Net Income (Finnhub) — share of earnings paid out; >90% or negative = unsustainable
Profitability
90A+ROIC30.7%A
Grade A: MoatNOPAT (EBIT less ~21% tax) / invested capital (equity + debt − cash). Flagship quality metric — durable >15% signals a moat
ROE25.2%A
Grade A: StrongReturn on Equity. Neg. equity = heavy buybacks
ROA5.8%C
Grade C: AverageReturn on Assets (Finnhub) — Net Income / Total Assets; how efficiently assets produce profit
Net Margin17.0%A
Grade A: HighNet Income / Revenue
Operating Margin21.6%C
Grade C: AverageTTM EBIT / TTM Revenue
Gross Margin—
Gross Profit / Revenue
FCF Margin—
FCF / Revenue
True FCF Margin—
TTM (OCF − CapEx − SBC) / TTM Revenue — SBC treated as a real cost
Growth
52CRevenue CAGR8.8%C
Grade C: OkCompound annual revenue growth (up to 5Y depending on data availability)
Net Income CAGR14.5%C
Grade C: OkCompound annual net income growth (up to 5Y depending on data availability)
EPS CAGR (5Y)17.3%A
Grade A: HighCompound annual EPS growth over up to 5Y of per-share earnings (own statements). Null when either endpoint EPS ≤ 0
Implied EPS Growth-15.5%D
Grade D: Decl.Analyst forward EPS (normalized basis) vs our GAAP TTM EPS — different bases, so extreme values usually mark cyclically depressed TTM earnings, not real growth
Dilution (5Y)-17.8%A
Grade A: BuybacksShare count change over 5Y
SBC / Net Income—
Stock-based comp/Net income. >30% = dilution risk
SBC / Revenue—
TTM stock-based comp / TTM Revenue
Financial Health
47D+Altman Z-Score1.53D
Grade D: DistressBankruptcy risk. >3 Safe, <1.8 Distress
Current Ratio1.00xD
Grade D: LowCurrent Assets/Liabilities
Quick Ratio1.00xC
Grade C: Ok(Current Assets − Inventory) / Current Liabilities (Finnhub) — stricter liquidity test, excludes inventory
Interest Coverage22.3xA
Grade A: StrongEBIT/Interest. >10 Strong
Debt Repayment—
Years to repay net debt via FCF
Net Debt/EBIT—
Leverage. <2x Low, >4x High
Debt/Equity0.27xA
Grade A: LowDebt / Equity: <1 Conservative, >2 Risky. Not meaningful with non-positive equity; shown as unavailable rather than low debt.
Cash / Debt—
Cash covers how much of total debt. >1 = could repay all debt from cash
Quality
65BPiotroski F-Score6/9C
Grade C: AverageFinancial strength 0–9. >7 Strong
Beneish M-Score-2.61A
Grade A: SafeEarnings manipulation risk. < -2.22 Safe
FCF Conversion—
FCF / Net Income
Margin Stability3.5%A
Grade A: StableEBIT margin std deviation. Lower = stable
Capex / Revenue—
TTM CapEx / TTM Revenue — high % = capital-hungry business
Asset Turnover0.34xD
Grade D: LowRevenue / Total Assets (Finnhub) — how efficiently the asset base generates sales
Insider Transactions
SEC Form 4 · 8 recordsP/S codes are the directional signal; grants, option exercises and tax withholding carry none. Form 4 doesn't flag 10b5-1 plans — scheduled sales may appear within open-market sells.
| Trade date | Insider | Transaction | Shares | Filed |
|---|---|---|---|---|
Golden Russell G. Filed | Golden Russell G. | Grant / award | +130 | |
Robinson Elizabeth Filed | Robinson Elizabeth | Grant / award | +123 | |
Jabbour Anthony M Filed | Jabbour Anthony M | Grant / award | +65 | |
OLIVO MARIA Filed | OLIVO MARIA | SellOpen market sale | -6000 | |
Jabbour Anthony M Filed | Jabbour Anthony M | Grant / award | +446 |
Show 3 more filingsShow fewer filings
| Trade date | Insider | Transaction | Shares | Filed |
|---|---|---|---|---|
Yin Daniel Tei-Hwa Filed | Yin Daniel Tei-Hwa | Option exercise | -7153 | |
Yin Daniel Tei-Hwa Filed | Yin Daniel Tei-Hwa | SellOpen market sale | -7153 | |
Yin Daniel Tei-Hwa Filed | Yin Daniel Tei-Hwa | Option exercise | +7.2K |
Option exercise (M) rows report a derivative leg, not an open-market sale — a paired negative entry is the option position being consumed.
More metrics — Moat, Per Share, Balance Sheet, MarketHide additional metrics
Moat
38DROIC >12% Years7/10 yrsA
Grade A: DurableShare of completed fiscal years with ROIC > 12% — measures multi-year capital-return durability
Gross Margin (Med.)—
Median annual gross margin across available fiscal years — pricing-power durability
FCF-Positive Years—
Share of completed fiscal years with positive free cash flow
Net Margin Floor7.1%A
Grade A: DurableWeakest annual net margin across completed fiscal years — recession/downcycle resilience
Per Share
EPS (TTM)$39.81
Own TTM net income / shares — same earnings basis as P/E
Cash / Share$2.60
Cash & short-term investments per share (Finnhub)
Book Value / Share$158.78
Shareholders' equity per share (Finnhub). Negative = accumulated losses / heavy buybacks
Balance Sheet
Total Debt—
Total debt obligations (short + long term)
Cash & Equiv.$5.72B
Cash and short-term investments
Net Debt—
Total Debt minus Cash. Negative = Net Cash position
Total Equity$32.89B
Shareholders' equity (book value)
Asset / Liability1.30xC
Grade C: AdequateTotal Assets / Total Liabilities
Market
Market Cap$81.34B
Current Market Capitalization
Beta0.42B
Grade B: DefensivePrice sensitivity vs the market (Finnhub) — 1.0 moves with market, >1.2 amplifies swings
How grades work: each metric is graded A–D against fixed thresholds (tap a row for the meaning). Card grades map the pillar score to A+–E — a card grade is that pillar's own score, not an average of the rows shown.
Financials as of Jun 2026 · Ratio snapshot Oct 17, 2026
Key Insights: The Travelers Companies, Inc. (TRV)
TRV is up 1.47% at the last close — TRV dropped 4.14% ahead of its Q3 earnings report, amid investor anxiety over catastrophe losses and pricing pressure.. Piotroski F-Score of 6/9 indicates mixed fundamentals for The Travelers Companies, Inc.. Altman Z-Score of 1.53 is below the 1.81 distress threshold — an elevated financial-risk flag.
- Beneish M-Score of -2.61 suggests a low likelihood of earnings manipulation.
- At a valuation score of 70/100, TRV trades near the cheapest end of its own historical range (P/E 9.8).
- Return on equity of 25.2% is well above the market average.
See how TRV ranks on the Capex Tracker — top 50 capital spenders compared.
Earnings
View earnings calendar →Recent Earnings Results
| Date | Time | EPS Est. | EPS Actual | Surprise | Rev Est. | Rev Actual |
|---|---|---|---|---|---|---|
| Oct 16, 2026 | Pre-Mkt | $6.84 | — | — | $11.5B | — |
Recent Market Moves
See all TRV moves →| Date | Session | Price | Move | Z-Score |
|---|---|---|---|---|
| Oct 16 | Pre-market | 371.59 | -3.20% | -2.96 |
| Oct 8 | Regular | 371.13 | +2.92% | 2.93 |
| Oct 8 | After-hours | 370.27 | +2.68% | 2.70 |
| Sep 30 | After-hours | 355.00 | -2.26% | -2.10 |
| Sep 22 | Regular | 362.44 | -2.34% | -2.47 |
Frequently Asked Questions about TRV
What is the current The Travelers Companies, Inc. (TRV) stock price?
TRV is trading at $389.54 at the last market close, up 1.47% on the session. PreMarketPrice tracks TRV pre-market, intraday and after-hours prices.
Is TRV stock a buy right now?
PreMarketPrice's quantitative model rates The Travelers Companies, Inc.'s financial health at 47/100. This is a data-driven snapshot of fundamentals, not investment advice.
Is TRV stock overvalued?
The Travelers Companies, Inc. trades at a trailing P/E of 9.8 and our valuation score rates it 70/100 (higher = cheaper vs. its own history). See the Valuation History and Key Metrics sections for forward P/E, EV/EBITDA and PEG context.
When does The Travelers Companies, Inc. report earnings?
No confirmed earnings date is currently scheduled for TRV. The Earnings section lists recent reports and updates as dates are announced.
What sector does The Travelers Companies, Inc. operate in?
The Travelers Companies, Inc. operates in the Financial Services sector, within the Fire, Marine & Casualty Insurance industry. The Related Stocks section lists sector peers for comparison.
What does The Travelers Companies, Inc. do?
Travelers offers a broad product range and participates in both commercial and personal insurance lines.
About The Travelers Companies, Inc. (TRV) Stock
The Travelers Companies, Inc. (TRV) is a US-listed stock operating in the Financial Services sector, specifically the Fire, Marine & Casualty Insurance industry. As of the latest update, The Travelers Companies, Inc. is trading at $389.54, up 1.47% on the day with a market capitalization of $81.3 billion. The financial health score for TRV is 47/100, which indicates moderate financial strength based on profitability, leverage, liquidity, and growth metrics. This page provides real-time pre-market pricing, earnings calendar, financial health analysis, and valuation metrics for TRV stock.
TRV Stock Analysis & Key Metrics
On PreMarketPrice, you can track The Travelers Companies, Inc. (TRV) across multiple dimensions:
- Pre-market price & movement: Real-time TRV stock price with percentage change, updated continuously during pre-market and regular trading hours.
- Earnings calendar: Upcoming and past earnings reports for TRV, including EPS estimates, actual results, and surprise percentages.
- Valuation & P/E history: Historical P/E, P/S, and P/B ratios for TRV with trend analysis and normalized valuation multiples.
- Financial statements: Revenue, net income, assets, liabilities, and equity for The Travelers Companies, Inc. across multiple reporting periods.
- Financial health score: A composite score of 47/100 based on Altman Z-Score, Piotroski F-Score, profitability, and leverage metrics for TRV.
- Sector peers: Compare TRV against 6 other financial services stocks on key financial metrics.
Is TRV a Good Stock to Buy?
This page provides data-driven analysis to help you evaluate The Travelers Companies, Inc. (TRV) as an investment. The financial health score of 47/100 suggests moderate financial fundamentals. Valuation metrics show whether the stock is trading above or below its historical average. Earnings data reveals whether the company is meeting or beating analyst expectations.However, this is not financial advice — always do your own research before investing.
Data on this page is sourced from real-time market feeds, Polygon.io, and Finnhub.The Travelers Companies, Inc. (TRV) trades on NYSE. Pre-market trading occurs 4:00 AM – 9:30 AM ET. Regular market hours are 9:30 AM – 4:00 PM ET.