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TRVThe Travelers Companies, Inc.
$343.73$73.1B
Overview & Verdict
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TRV logoThe Travelers Companies, Inc.(TRV)Earnings, Financials & Key Ratios

TRV•NYSE•Insurance & Managed Care
$343.73
12.5× P/E·Price updated Jul 7, 2026
SectorFinancial ServicesIndustryProperty & Casualty InsuranceSub-IndustryCommercial lines and surety insurers
AboutThe 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 and internationally. The company 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, onshore and offshore energy, construction, terrorism, personal accident, and kidnap and ransom insurance products. This segment operates through select accounts, which serve small businesses; commercial accounts that serve mid-sized businesses; national accounts, which serve large companies; and national property and other 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 through independent agencies and brokers. The Travelers Companies, Inc. was founded in 1853 and is based in New York, New York.Show more
  • Revenue$48.83B+5.2%
  • Combined Ratio84.03%-3.1%
  • Net Income$6.29B+25.8%
  • Return on Equity20.7%+9.3%
  • Medical Cost Ratio55.75%-23.9%
  • Operating Margin15.97%+19.9%
  • Net Margin12.88%+19.6%
  • ROA4.54%+17.7%
  • Equity / Assets22.89%+9.4%

TRV Price & Volume

The Travelers Companies, Inc. (TRV) stock price & volume — 10-year historical chart

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Resilient Underwriting Margins Offset Catastrophe Loss Volatility

Investment Thesis • Updated 2026Q1

VerdictNeutral
Growth:Decelerating
Profitability:Strong
Financial:Healthy
Cash Flow:Robust
Primary Risk:Severe convective storm frequency

Key Thesis Takeaways

  • Travelers demonstrates structural underwriting resilience, evidenced by a 75.0% combined ratio in 2025Q4, though investors should monitor the impact of social inflation on long-tail liability reserves.
  • While revenue growth has decelerated to 1.0% in 2026Q1, the company maintains a robust capital buffer with $32.0 billion in equity to support ongoing shareholder returns.
  • Future performance remains sensitive to severe convective storm frequency, which previously drove the loss ratio to a peak of 82.8% in 2025Q1.

Verdict Logic

while the company maintains a healthy balance sheet and a 1.3% dividend yield, the 0.56 PEG ratio and ongoing exposure to catastrophe-driven loss volatility suggest a cautious entry point until underwriting margins stabilize below the 80% threshold.

TRV Growth Metrics

The Travelers Companies, Inc. (TRV) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years6.18%
5 Years8.83%
3 Years9.79%
TTM4.11%

Profit CAGR

10 Years6.22%
5 Years18.45%
3 Years30.31%
TTM78.04%

EPS CAGR

10 Years9.69%
5 Years21.13%
3 Years32.58%
TTM82.96%

Return on Capital

10 Years6.99%
5 Years10.77%
3 Years13.13%
Last Year16.47%

TRV Recent Earnings

The Travelers Companies, Inc. (TRV) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 9/12 qtrs (75%)●Beat Revenue 9/12 qtrs (75%)
Q2 2026Latest
Apr 16, 2026
Metric
Actual
Est
EPS
$7.71+9.1%
$7.07
Rev
$10.3B-3.5%
$10.7B
Q1 2026
Jan 21, 2026
Metric
Actual
Est
EPS
$11.13+26.5%
$8.80
Rev
$10.9B-2.4%
$11.1B
Q4 2025
Oct 16, 2025
Metric
Actual
Est
EPS
$8.14+27.4%
$6.39
Rev
$12.5B+6.7%
$11.7B
Q3 2025
Jul 17, 2025
Metric
Actual
Est
EPS
$6.51+78.4%
$3.65
Rev
$12.1B+4.3%
$11.6B
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestApr 16, 2026
$7.71vs $7.07+9.1%
$10.3Bvs $10.7B-3.5%
Q1 2026Jan 21, 2026
$11.13vs $8.80+26.5%
$10.9Bvs $11.1B-2.4%
Q4 2025Oct 16, 2025
$8.14vs $6.39+27.4%
$12.5Bvs $11.7B+6.7%
Q3 2025Jul 17, 2025
$6.51vs $3.65+78.4%
$12.1Bvs $11.6B+4.3%
Based on last 12 quarters of dataView full earnings history →

Latest TRV News

Recent stock market news and headlines for The Travelers Companies, Inc. (TRV)

Business Wire·1 day ago
Travelers Publishes Its 2025 Sustainability Report

HARTFORD, Conn.--(BUSINESS WIRE)--The Travelers Companies, Inc. (NYSE: TRV) today announced the release of its 2025 Sustainability Report, which details the company's approach to long-term value creation. “Sustainability isn't a checkbox for us – it's core to our business and woven into the way we operate,” said Yafit Cohn, Chief Sustainability Officer at Travelers. “This report reflects our integrated approach to creating sustainable value by investing in our people and communities, managing r.

The Motley Fool·3 days ago
Chubb vs. Travelers Companies: What Their Revenue Trends Tell Investors

Chubb currently generates consistently higher revenue than Travelers Companies. Over the past eight quarters, Chubb exhibited noticeable quarter-over-quarter volatility, whereas Travelers Companies maintained a highly stable trend.

Fool - Investing News·4 days ago
Travelers Is Quietly Trading Near a Record High While Tech Grabs the Headlines. Can the Rally Last?

The insurance stock is quietly charging higher in 2026.

GuruFocus·Jun 30, 2026
Travelers Advances AI Strategy with Award-Winning Insurance-Specific Large Language Model

The Travelers Companies, Inc. (NYSE: [url="]TRV[/url]) today announced that it has developed TravelersLLM, a proprietary large language model tailored to its p

Business Wire·Jun 30, 2026
Travelers Advances AI Strategy with Award-Winning Insurance-Specific Large Language Model

HARTFORD, Conn.--(BUSINESS WIRE)--The Travelers Companies, Inc. (NYSE: TRV) today announced that it has developed TravelersLLM, a proprietary large language model tailored to its property casualty business. Built by Travelers engineers and data scientists, TravelersLLM was trained on millions of company documents and amplifies Travelers' leading domain expertise by, among other things, enhancing underwriting analysis, accelerating research and model development, facilitating access to decades o.

Peers Comparison

Key metrics vs top competitors for The Travelers Companies, Inc. (TRV)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
TRV logoTRVThe Travelers Companies, Inc.Current
$343.73$73.09B12.535.17%12.88%20.7%1.25%
CB logoCBChubb Limited
$359.30$139.36B13.966.47%18.48%14.49%—
HIG logoHIGThe Hartford Financial Services Group, Inc.
$139.64$38.4B10.487.1%14.13%22.01%—
CNA logoCNACNA Financial Corporation
$51.80$14.01B11.045.1%8.95%11.94%—
WRB logoWRBW. R. Berkley Corporation
$71.54$26.63B16.087.82%12.64%19.47%—
MKL logoMKLMarkel Corporation
$1969.34$24.64B11.64-0.96%10.7%9.56%—

Compare TRV vs Peers

The Travelers Companies, Inc. (TRV) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs CB

Most directly comparable listed peer for TRV.

Scale Benchmark

vs PGR

Larger-name benchmark to compare TRV against a more recognizable public peer.

Peer Set

Compare Top 5

vs CB, HIG, CNA, WRB

TRV SEC Filings & Documents

The Travelers Companies, Inc. (TRV) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

May 22, 2026·SEC

Material company update

May 21, 2026·SEC

Material company update

Apr 16, 2026·SEC

10-K Annual Reports

2
FY 2026

Feb 12, 2026·SEC

FY 2025

Feb 13, 2025·SEC

10-Q Quarterly Reports

5
FY 2026

Apr 16, 2026·SEC

FY 2025

Oct 16, 2025·SEC

FY 2025

Jul 17, 2025·SEC

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TRV Frequently Asked Questions

The Travelers Companies, Inc. (TRV) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials
How fast is The Travelers Companies, Inc. growing?

The Travelers Companies, Inc. (TRV) grew revenue by 5.2% over the past year. This is steady growth.

Is TRV profitable?

Yes, The Travelers Companies, Inc. (TRV) is profitable, generating $7.60B in net income for fiscal year 2025 (12.9% net margin).

Dividend & Returns
Does TRV pay dividends?

Yes, The Travelers Companies, Inc. (TRV) pays a dividend with a yield of 1.25%. This makes it attractive for income-focused investors.

What is TRV's return on equity?

The Travelers Companies, Inc. (TRV) has a return on equity (ROE) of 20.7%. This is excellent, indicating efficient use of shareholder capital.

Industry Metrics
What is The Travelers Companies, Inc.'s combined ratio?

The Travelers Companies, Inc. (TRV) has a combined ratio of 84.0%. A ratio below 100% indicates underwriting profitability.

What if you invested $1,000 in TRV back in 1996?

Total return calculator · dividends reinvested · 30+ years of data

See returns →