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Travelers Companies (The)

NYSE: TRV

Stock price

365.66 USD

(+130.35%) 5 years

Property & Casualty InsuranceInsurance - Property & Casualty

Financial Performance

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5Y price score: 186

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The price score is a basic measure of the stock's performance against the S&P 500 Index over a five-year period.

A score of 100 indicates that the stock did as well as the S&P 500 Index.

A score below 100 means the stock underperformed the index, while a score above 100 means it outperformed the S&P 500.

10Y return: 242.5%

DATE RANGE:

US$ Per
Share

365.66

158.74

  • Earnings per share

  • Free cash flow per share

  • Stock price

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252.2

52-week range

398.7

365.66

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Required return / cost of capital
%
FCFF terminal growth rate
%

Your fair value & Margin of safety

To calculate fair value based on cost of capital and terminal growth assumptions above, please select free cash flow forecast.

Forecast:

Valuation

Free Cash Flow Yield

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FCF Yield TTM = Trailing Twelve Months free cash flow per share / current market price per shareLearn more

13.6 %

Dividend Yield TTM

1.2 %

Market cap $

$ 76,268

Price / Earnings TTM

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P/E TTM = current market price per share / Trailing Twelve Months diluted earnings per shareLearn more

9.8

Price / Book TTM

2.3

PEG TTM

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Price/Earnings-to-Growth ratio = P/E TTM divided by most recent annual diluted earnings per share growth rateLearn more

0.2

Earnings growth and return

LTM

5YR

10YR

Total return (price & dividends)

34.8 %

142.7 %

242.5 %

Free cash flow per share growth

(11.9) %

82 %

326 %

Earnings per share growth

57.1 %

160.7 %

152.1 %

Founded: 1,853

Employees: 34,000

Business Summary:The Travelers Companies, Inc., through its network of subsidiaries, delivers a broad spectrum of commercial and personal property and casualty insurance products and services. These offerings cater to businesses, government entities, associations, and individual clients both within the United States and internationally. The company's operations are divided into three primary segments: Business Insurance, Bond & Specialty Insurance, and Personal Insurance. The Business Insurance segment provides a comprehensive portfolio of commercial coverages, ranging from foundational offerings like workers' compensation, commercial auto, property, general liability, multi-peril, and employers' liability, to more specialized policies. These specialized offerings include public and product liability, professional indemnity, marine, aviation, onshore and offshore energy, construction, terrorism, personal accident, and even kidnap and ransom insurance. This segment serves a diverse clientele, from small and mid-sized enterprises to large corporations, and also focuses on sectors like commercial trucking and agriculture. Its products are distributed through a robust network of independent brokers, wholesale agents, and program managers. The Bond & Specialty Insurance segment focuses on providing surety and fidelity bonds, as well as management and professional liability insurance. Additionally, it offers other property and casualty coverages paired with crucial risk management services. Distribution for this segment is handled via independent agencies and brokers. Lastly, the Personal Insurance segment addresses individual needs by offering property and casualty insurance for personal risks. Its primary focus areas are automobile and homeowners insurance, which are also made available to consumers through independent agencies and brokers. Founded in 1853, The Travelers Companies, Inc. maintains its headquarters in New York, New York.

Fair Value Reference Estimate

Latest Earnings Call Takeaways

2026 Q2 (Jul 17, 2026)

1) Strong Financial Performance - Core income for Q2 2026 reached $2.2 billion, or $10.04 per diluted share, with a core return on equity (ROE) of 24.9%. - Underwriting income was $1.7 billion pre-tax, with a combined ratio improving to 83.6% and an underlying combined ratio of 84.1%. - Net written premiums totaled $11.5 billion, with Business Insurance segment growing by 5% to $6 billion.

2) Segment Highlights - Business Insurance: Achieved segment income of $1.2 billion with a record net written premium of $6 billion. Renewal premium change was 4.8%, and new business reached a record $805 million. - Bond & Specialty Insurance: Grew net written premiums by 14% to $1.2 billion, with segment income of $234 million and retention improving to 88%. - Personal Insurance: Generated segment income of $827 million with net written premiums of $4.3 billion. The combined ratio was an impressive 79.5%.

3) Investment and Capital Management - After-tax net investment income increased by 14% to $883 million, driven by a strong fixed income portfolio. - Returned over $1.5 billion to shareholders, including $1.3 billion in share repurchases, while maintaining a robust balance sheet. - Adjusted book value per share rose 16% year-over-year to $168.20.

4) Operational Strategies and Innovations - Continued focus on innovation, including advancements in AI for claims processing and underwriting efficiency. - Strong retention rates across segments, with 86% in Business Insurance and 88% in Bond & Specialty Insurance, indicating effective customer engagement and service. - Ongoing investments in technology and product enhancements to sustain competitive advantages and improve operational efficiency.

5) Guidance and Market Outlook - Travelers expects to maintain strong premium levels and attractive underlying margins, with confidence in the durability of their earnings engine. - The company remains committed to disciplined underwriting and capital management, emphasizing the importance of franchise value over aggressive pricing strategies. - Future guidance on fixed income net investment income suggests continued growth, with expectations of $840 million in Q3 and $870 million in Q4.

Bottom line: Travelers' strong Q2 2026 results reflect robust underwriting performance, effective capital management, and strategic investments in innovation, positioning the company well for sustained growth and shareholder value.

Annual Reports, Presentations And IR Contacts

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Travelers Companies (The) — Financial Overview, Stock Price, Market Cap

Travelers Companies (The) is a company. Founded in 1853. As of September 9, 2026, the company's market capitalization is $76267542545 with a current stock price of $365.66.