The Travelers Companies, Inc. logo

The Travelers Companies, Inc.

TRV

NYSEFinancial ServicesInsurance - Property & Casualty

Previous close

$363.58

−$0.91 · -0.25%

Aug 21, 4:00 PM ET

TRV company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Buy

Favorable setup — positive multi-factor alignment

Valuation

91

Deep Value

Momentum

60

Neutral

Sentiment

60

Mixed

Risk resilience

87

Low Risk

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Company profile

Company website

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.

Industry
Insurance - Property & Casualty
Sector
Financial Services
Headquarters
US
CEO
Alan David Schnitzer
Listed since
Nov 17, 1975
Employees
34,000

Market position

Day range

Current $363.58

52-week range

Current $363.58

Open
$365.86
Previous close
$364.49
Volume
1.61M
0.89× average
Average volume
1.81M
Average daily volume
Market cap
75.83B USD
Beta
0.46
Market reference 1
50-day average
$351.39
+3.47% above average
200-day average
$308.09
+18.01% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

P/E (TTM)
9.59×
P/B (TTM)
2.31×
P/S (TTM)
1.55×
Dividend yield
1.25%

Profitability & efficiency

Gross margin
34.73%
Operating margin
21.33%
Net margin
16.95%

Financial health

Debt / equity
0.27×

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends32%23%14%5%Gross margin, FY2021: 27.21%Gross margin, FY2022: 23.11%Gross margin, FY2023: 21.59%Gross margin, FY2024: 26.70%Gross margin, FY2025: 29.37%Operating margin, FY2021: 12.80%Operating margin, FY2022: 9.09%Operating margin, FY2023: 8.15%Operating margin, FY2024: 13.31%Operating margin, FY2025: 15.97%Net margin, FY2021: 10.52%Net margin, FY2022: 7.70%Net margin, FY2023: 7.23%Net margin, FY2024: 10.77%Net margin, FY2025: 12.88%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 27.21%. Gross margin FY2022 23.11%. Gross margin FY2023 21.59%. Gross margin FY2024 26.70%. Gross margin FY2025 29.37%. Operating margin FY2021 12.80%. Operating margin FY2022 9.09%. Operating margin FY2023 8.15%. Operating margin FY2024 13.31%. Operating margin FY2025 15.97%. Net margin FY2021 10.52%. Net margin FY2022 7.70%. Net margin FY2023 7.23%. Net margin FY2024 10.77%. Net margin FY2025 12.88%.

Income trends

Revenue

48.83B USD+5.17%

Operating income

7.8B USD+26.15%

Net income

6.29B USD+25.79%
Income trends across reported periods53.43B USD35.03B USD16.64B USD−1.76B USDRevenue, FY2021: 34.82B USDRevenue, FY2022: 36.9B USDRevenue, FY2023: 41.37B USDRevenue, FY2024: 46.43B USDRevenue, FY2025: 48.83B USDOperating income, FY2021: 4.46B USDOperating income, FY2022: 3.35B USDOperating income, FY2023: 3.37B USDOperating income, FY2024: 6.18B USDOperating income, FY2025: 7.8B USDNet income, FY2021: 3.66B USDNet income, FY2022: 2.84B USDNet income, FY2023: 2.99B USDNet income, FY2024: 5B USDNet income, FY2025: 6.29B USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 34.82B USD. Revenue FY2022 36.9B USD. Revenue FY2023 41.37B USD. Revenue FY2024 46.43B USD. Revenue FY2025 48.83B USD. Operating income FY2021 4.46B USD. Operating income FY2022 3.35B USD. Operating income FY2023 3.37B USD. Operating income FY2024 6.18B USD. Operating income FY2025 7.8B USD. Net income FY2021 3.66B USD. Net income FY2022 2.84B USD. Net income FY2023 2.99B USD. Net income FY2024 5B USD. Net income FY2025 6.29B USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue48.83B USD46.43B USD41.37B USD36.9B USD34.82B USD
Cost of goods sold34.49B USD34.03B USD32.44B USD28.37B USD25.34B USD
Gross profit14.34B USD12.4B USD8.93B USD8.53B USD9.48B USD
Selling, general, and administrative6.12B USD5.82B USD5.18B USD4.81B USD4.68B USD
Operating expenses6.55B USD6.22B USD5.56B USD5.17B USD5.02B USD
Interest expense425M USD392M USD376M USD351M USD340M USD
Depreciation and amortization680M USD715M USD722M USD826M USD870M USD
Operating income7.8B USD6.18B USD3.37B USD3.35B USD4.46B USD
Net income6.29B USD5B USD2.99B USD2.84B USD3.66B USD

Company facts updated Aug 24, 2026.

Earnings

EPS beat rate
91%
10 beats, 1 miss, 0 met estimates
Average EPS surprise
+46.78%
11 comparable reports
Latest EPS result
10.04
Estimate 5.41 · Beat by 85.58%

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly EPS actual values compared with estimates11.968.194.430.67Q1 '25BeatQ2 '25BeatQ3 '25BeatQ4 '25BeatQ1 '26BeatQ2 '26BeatQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Jan 22, 2025: actual 9.15, estimate 6.7, surprise +36.57%, Beat. Q2 2025, reported Apr 16, 2025: actual 1.91, estimate 0.785, surprise +143.31%, Beat. Q3 2025, reported Jul 17, 2025: actual 6.51, estimate 3.65, surprise +78.36%, Beat. Q4 2025, reported Oct 16, 2025: actual 8.14, estimate 6.39, surprise +27.39%, Beat. Q1 2026, reported Jan 21, 2026: actual 11.13, estimate 8.8, surprise +26.48%, Beat. Q2 2026, reported Apr 16, 2026: actual 7.71, estimate 7.07, surprise +9.05%, Beat. Q3 2026, reported Jul 17, 2026: actual 10.04, estimate 5.41, surprise +85.58%, Beat. Q4 2026, reported Oct 15, 2026: actual —, estimate 6.77, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly Revenue actual values compared with estimates12.97B11.93B10.88B9.84BQ1 '25BeatQ2 '25BeatQ3 '25BeatQ4 '25BeatQ1 '26MissQ2 '26MissQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Jan 22, 2025: actual 12.01B USD, estimate 10.75B USD, surprise +11.76%, Beat. Q2 2025, reported Apr 16, 2025: actual 11.81B USD, estimate 10.84B USD, surprise +8.94%, Beat. Q3 2025, reported Jul 17, 2025: actual 12.12B USD, estimate 11.62B USD, surprise +4.30%, Beat. Q4 2025, reported Oct 16, 2025: actual 12.47B USD, estimate 11.69B USD, surprise +6.69%, Beat. Q1 2026, reported Jan 21, 2026: actual 10.86B USD, estimate 11.12B USD, surprise -2.40%, Miss. Q2 2026, reported Apr 16, 2026: actual 10.34B USD, estimate 10.72B USD, surprise -3.52%, Miss. Q3 2026, reported Jul 17, 2026: actual 11.53B USD, estimate 11.26B USD, surprise +2.41%, Beat. Q4 2026, reported Oct 15, 2026: actual —, estimate 11.31B USD, surprise —, Comparison unavailable.

Analyst ratings

Third-party consensus; not a GoAI recommendation.

Analyst price target

Average target

$351.11

3.43% downside
Past 12 months12-month forecastHigh $430Average $351.11Low $290

Rating distribution

44 ratings
Strong buy12%
Buy1023%
Hold2966%
Sell49%
Strong sell00%

TRV news

Corporate actions

Corporate action history

Stock split

Effective May 12, 1998

2:1

Stock split

Effective Jun 7, 1994

2:1

Stock split

Effective Jun 9, 1986

2:1

TRV peers

ETFs holding TRV

Funds reporting this stock among their holdings, ordered by reported position size.

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