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The Travelers Companies (TRV) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

The Travelers Companies
NYSE•Financial Services•Insurance - Property & Casualty
$396.22-2.05(-0.01%)Market closed
Market Cap
$82.29B
P/E
9.9x
P/S
1.7x
P/B
2.8x

The Travelers Companies, Inc., through its subsidiaries, provides a range of commercial and personal property, and casualty insurance products and services to businesses, government units, associations, and individuals in the United States, Canada, and internationally. It operates through three segments: Business Insurance, Bond & Specialty Insurance, and Personal Insurance. The Business Insurance segment offers workers' compensation, commercial automobile and property, general liability, commercial multi-peril, employers' liability, public and product liability, professional indemnity, marine, aviation, commercial property and automobile, onshore and offshore energy, construction, terrorism, personal accident, and kidnap and ransom insurance products. This segment operates through select accounts, which serve small businesses; middle accounts that serve mid-sized businesses; national accounts, which serve large companies; and national property and others that serve large and mid-sized customers, commercial trucking industry, and agricultural businesses, as well as markets and distributes its products through brokers, wholesale agents, and program managers. The Bond & Specialty Insurance segment provides surety, fidelity, management and professional liability, and other property and casualty coverages and related risk management services through independent agencies and brokers. The Personal Insurance segment offers property and casualty insurance covering personal risks, primarily automobile and homeowners' insurance to individuals. The Travelers Companies, Inc. was founded in 1853 and is based in New York, New York.

B

How this company scores

GoodMetricSide Score: 79/100

Strongest: Cash & Earnings Quality (23/25); weakest: Balance Sheet & Red Flags (15/25).

Profitability22/25
Growth19/25
Balance Sheet & Red Flags15/25
Cash & Earnings Quality23/25
Strengths
Strong marginsHigh ROERising earningsInterest easily covered

No red flags in the last 8 quarters.

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 9.9x5y range 8.3x – 17.6x
P/E 9.9x · near its 20-quarter median

Currently near its 20-quarter median.

P/S · 1.7x5y range 0.9x – 1.7x
P/S 1.7x · above its 20-quarter median

Currently above its 20-quarter median.

P/B · 2.8x5y range 1.3x – 2.8x
Price & Volume
Market Cap $82.29B

Metrics at a Glance

as of September 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue
$48.92B
1%
Q. Revenue
$12.41B
2Q
TTM EBITDA
$9.01B
6Q
TTM Op. Income
$8.31B
6Q
Q. Op. Income
$1.95B
4%
TTM Net Income
$8.33B
6Q
Q. Net Income
$1.92B
2%
EPS
$9.2
10%
Shares Out.
$206.90M
7Q
$48.92B in TTM revenue grew 1.1% YoY, reaching $12.41B last quarter. TTM EBITDA of $9.01B and TTM operating income of $8.31B show growth is flowing through to the bottom line. TTM net income of $8.33B means revenue is converting into profit. Over the past year, TTM revenue is up 1% — a weakening trend.

Margins

Gross, EBITDA, operating, and net margin trends

EBITDA Margin
17.1%
5%
Op. Margin
15.7%
5%
Net Margin
15.4%
2%
Op. margin of 15.7% is up 0.7% YoY — cost efficiency is improving. Net margin at 15.4% Over the past year, operating margin is up 5% — a weakening trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio
9.9x
2Q
P/S Ratio
1.7x
2Q
P/B Ratio
2.8x
3Q
At 9.9x P/E, the stock trades below typical market levels. P/S of 1.7x and P/B of 2.8x provide additional context. Use the growth and margin sections to judge whether the multiple is justified. Across the last 8 quarters, P/E has risen for 2 consecutive quarters — a weakening trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets
$142.09B
1%
Cash
$766.00M
2Q
Long-Term Debt
N/A
Book Value
$29.00B
8%
D/E Ratio
N/A
Debt/EBITDA
0.0

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow
$3.88B
8%
TTM Free Cash Flow
$10.68B
2Q
FCF Margin
21.8%
2Q
FCF / Net Income
1.3
6Q
TTM FCF of $10.68B on $3.88B in operating cash flow. The FCF / Net Income ratio of 1.3x means free cash flow covers net income — earnings are backed by cash. Across the last 8 quarters, free cash flow has fallen for 2 consecutive quarters — a weakening trend.

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· above its 20-quarter median

Currently above its 20-quarter median.