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The Travelers Companies, Inc. TRV

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Price alert · TRV

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402.89 USD -6.36 (-1.55%)

At closeNov 5, 2026, 6:32 PM EST

400.04 -2.85 -0.71%

After hours · Nov 5, 6:32 PM ET

401.66 Day range 418.00
269.42 52-week range 409.25
YTD
+38.90%
1 year
+45.63%

Financial health

Altman Z-Score

1.89 Grey zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

7 / 9 Strong

Nine pass/fail tests of profitability, leverage and efficiency.

Rating

A4 / 5 overall

  • DCF 5
  • Return on Equity 5
  • Return on Assets 5
  • Debt / Equity 3
  • P/E 3
  • P/B 1

Valuation

P/E 10.4×
FY 2016: 11.8×FY 2017: 18.4×FY 2018: 12.7×FY 2019: 13.7×FY 2020: 13.3×FY 2021: 10.7×FY 2022: 15.7×FY 2023: 14.7×FY 2024: 11.1×FY 2025: 10.4×
FY 2016 5y median 11.1× FY 2025
P/S 1.3×
FY 2016: 1.3×FY 2017: 1.3×FY 2018: 1.1×FY 2019: 1.1×FY 2020: 1.1×FY 2021: 1.1×FY 2022: 1.2×FY 2023: 1.1×FY 2024: 1.2×FY 2025: 1.3×
FY 2016 5y median 1.2× FY 2025
P/B 2.0×
FY 2016: 1.5×FY 2017: 1.6×FY 2018: 1.4×FY 2019: 1.4×FY 2020: 1.2×FY 2021: 1.3×FY 2022: 2.1×FY 2023: 1.8×FY 2024: 2.0×FY 2025: 2.0×
FY 2016 5y median 2.0× FY 2025
P/FCF 6.1×
FY 2016: 7.9×FY 2017: 9.0×FY 2018: 7.3×FY 2019: 6.8×FY 2020: 5.5×FY 2021: 5.3×FY 2022: 6.9×FY 2023: 5.7×FY 2024: 6.1×FY 2025: 6.1×
FY 2016 5y median 6.1× FY 2025
EV/EBITDA 8.3×
FY 2016: 7.9×FY 2017: 11.2×FY 2018: 9.3×FY 2019: 9.8×FY 2020: 9.5×FY 2021: 8.0×FY 2022: 11.2×FY 2023: 11.4×FY 2024: 8.6×FY 2025: 8.3×
FY 2016 5y median 8.6× FY 2025
EV/Sales 1.5×
FY 2016: 1.5×FY 2017: 1.5×FY 2018: 1.3×FY 2019: 1.3×FY 2020: 1.3×FY 2021: 1.3×FY 2022: 1.4×FY 2023: 1.2×FY 2024: 1.3×FY 2025: 1.5×
FY 2016 5y median 1.3× FY 2025
FCF Yield 16.3%
FY 2016: 12.7%FY 2017: 11.1%FY 2018: 13.7%FY 2019: 14.6%FY 2020: 18.3%FY 2021: 18.7%FY 2022: 14.5%FY 2023: 17.6%FY 2024: 16.5%FY 2025: 16.3%
FY 2016 5y median 16.5% FY 2025

Profitability

Gross Margin 29.4%
FY 2016: 31.0%FY 2017: 25.2%FY 2018: 25.1%FY 2019: 24.8%FY 2020: 25.3%FY 2021: 27.2%FY 2022: 23.1%FY 2023: 21.6%FY 2024: 26.7%FY 2025: 29.4%
FY 2016 5y median 26.7% FY 2025
Operating Margin 16.0%
FY 2016: 14.7%FY 2017: 9.4%FY 2018: 9.8%FY 2019: 9.9%FY 2020: 10.1%FY 2021: 12.8%FY 2022: 9.1%FY 2023: 8.1%FY 2024: 13.3%FY 2025: 16.0%
FY 2016 5y median 12.8% FY 2025
Net Margin 12.9%
FY 2016: 10.9%FY 2017: 7.1%FY 2018: 8.3%FY 2019: 8.3%FY 2020: 8.4%FY 2021: 10.5%FY 2022: 7.7%FY 2023: 7.2%FY 2024: 10.8%FY 2025: 12.9%
FY 2016 5y median 10.5% FY 2025
ROE 19.1%
FY 2016: 13.0%FY 2017: 8.7%FY 2018: 11.0%FY 2019: 10.1%FY 2020: 9.2%FY 2021: 12.7%FY 2022: 13.2%FY 2023: 12.0%FY 2024: 17.9%FY 2025: 19.1%
FY 2016 5y median 13.2% FY 2025
ROIC 12.1%
FY 2016: -61.7%FY 2017: -40.7%FY 2018: -49.7%FY 2019: 437.0%FY 2020: -59.7%FY 2021: 8.6%FY 2022: 8.2%FY 2023: 6.9%FY 2024: 11.6%FY 2025: 12.1%
FY 2016 5y median 8.6% FY 2025
ROA 4.4%
FY 2016: 3.0%FY 2017: 2.0%FY 2018: 2.4%FY 2019: 2.4%FY 2020: 2.3%FY 2021: 3.0%FY 2022: 2.5%FY 2023: 2.4%FY 2024: 3.8%FY 2025: 4.4%
FY 2016 5y median 3.0% FY 2025

Growth (YoY)

Revenue 5.2%
FY 2016: 3.0%FY 2017: 4.6%FY 2018: 4.8%FY 2019: 4.3%FY 2020: 1.3%FY 2021: 8.9%FY 2022: 6.0%FY 2023: 12.1%FY 2024: 12.2%FY 2025: 5.2%
FY 2016 FY 2025
Operating Income 26.1%
FY 2016: -14.5%FY 2017: -32.6%FY 2018: 8.5%FY 2019: 6.0%FY 2020: 3.2%FY 2021: 37.7%FY 2022: -24.8%FY 2023: 0.5%FY 2024: 83.3%FY 2025: 26.1%
FY 2016 FY 2025
EPS (diluted) 27.8%
FY 2016: -5.5%FY 2017: -28.7%FY 2018: 27.6%FY 2019: 6.1%FY 2020: 6.0%FY 2021: 37.7%FY 2022: -18.8%FY 2023: 8.7%FY 2024: 67.9%FY 2025: 27.8%
FY 2016 FY 2025
Free Cash Flow 16.9%
FY 2016: 30.1%FY 2017: -7.2%FY 2018: 5.6%FY 2019: 18.8%FY 2020: 25.2%FY 2021: 11.6%FY 2022: -11.1%FY 2023: 19.3%FY 2024: 17.7%FY 2025: 16.9%
FY 2016 FY 2025

Financial Health

Current Ratio 0.5×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: 0.0×FY 2019: 0.0×FY 2020: 0.0×FY 2021: 1.3×FY 2022: 1.2×FY 2023: 1.4×FY 2024: 1.3×FY 2025: 0.5×
FY 2016 5y median 1.3× FY 2025
Quick Ratio 0.5×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: 0.0×FY 2019: 0.0×FY 2020: 0.0×FY 2021: 1.3×FY 2022: 1.2×FY 2023: 1.4×FY 2024: 1.3×FY 2025: 0.5×
FY 2016 5y median 1.3× FY 2025
Debt / Equity 0.3×
FY 2016: 0.3×FY 2017: 0.3×FY 2018: 0.3×FY 2019: 0.3×FY 2020: 0.2×FY 2021: 0.3×FY 2022: 0.3×FY 2023: 0.3×FY 2024: 0.3×FY 2025: 0.3×
FY 2016 5y median 0.3× FY 2025
Net Debt / EBITDA 1.0×
FY 2016: 1.2×FY 2017: 1.6×FY 2018: 1.5×FY 2019: 1.4×FY 2020: 1.3×FY 2021: 1.2×FY 2022: 1.4×FY 2023: 1.7×FY 2024: 1.0×FY 2025: 1.0×
FY 2016 5y median 1.2× FY 2025
Interest Coverage 18.3×
FY 2016: 11.2×FY 2017: 7.4×FY 2018: 8.4×FY 2019: 9.1×FY 2020: 9.5×FY 2021: 13.1×FY 2022: 9.6×FY 2023: 9.0×FY 2024: 15.8×FY 2025: 18.3×
FY 2016 5y median 13.1× FY 2025

Dividends

Dividend Yield 1.5%
FY 2016: 2.1%FY 2017: 2.1%FY 2018: 2.5%FY 2019: 2.4%FY 2020: 2.4%FY 2021: 2.2%FY 2022: 2.0%FY 2023: 2.1%FY 2024: 1.7%FY 2025: 1.5%
FY 2016 5y median 2.0% FY 2025
Payout Ratio 15.6%
FY 2016: 25.1%FY 2017: 38.2%FY 2018: 32.3%FY 2019: 32.2%FY 2020: 31.9%FY 2021: 23.7%FY 2022: 30.8%FY 2023: 30.4%FY 2024: 19.0%FY 2025: 15.6%
FY 2016 5y median 23.7% FY 2025

Annual · latest fiscal year ends 2025-12-31