The Travelers Companies, Inc.
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 segm…
What to know about TRV
The Travelers Companies, Inc. is a large Financial Services company with a mixed financial profile. It scores well on risk and valuation, but sentiment is worth keeping an eye on.
Should you consider TRV?
Based on 31 financial metrics and sector comparison. Not financial advice.
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The Travelers Companies, Inc. is a large-cap Financial Services company with a mixed overall financial profile — it is in the lower half of its Financial Services peers (38 of 70).
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Profitability is roughly average for the S&P 500 — not a standout in either direction.
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Valuation looks attractive — the stock is priced reasonably relative to its earnings and sales compared to most peers. You're not overpaying for the business.
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The company is growing at a reasonable pace — not the fastest, but consistently moving in the right direction.
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There is a small dividend (0.02%), but income-focused investors will likely find better yields elsewhere in the market.
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Risk is relatively low — the stock tends to be less volatile than the broader market, which typically means a smoother ride during uncertain periods.
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Analyst sentiment is cautious and short interest is relatively elevated — meaning some professional investors are actively betting the price will fall. Worth understanding why.
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This is a mixed picture — real strengths in some areas, but areas that need watching too. Do your homework on the sector before deciding.
At a glance
How it scores
We look at 31 different financial metrics and group them into categories. Here's how TRV compares to the other S&P 500 stocks.
Dive deeper — all 31 metrics 9 categories · valuation, growth, health, dividends & more Show all Hide
Valuation
Is the stock cheap or expensive relative to its earnings, sales, and assets? Lower multiples often mean better value.
| Metric | Value | vs S&P 500 |
|---|---|---|
| P/E Ratio (Trailing) | 9.16 | Top 25% |
| Forward P/E | 10.78 | Top 25% |
| PEG Ratio | 2.36 | Average |
| Price to Sales | 1.34 | Top 25% |
| Price to Book | 2.05 | Above avg |
| EV/EBITDA | 6.38 | Top 25% |
| Earnings Yield | 10.92% | Top 25% |
Profitability
How efficiently does the company turn revenue into profit? Higher margins mean more money kept from each dollar earned.
| Metric | Value | vs S&P 500 |
|---|---|---|
| Gross Margin | 32.88% | Average |
| Operating Margin | 18.74% | Average |
| Net Profit Margin | 15.54% | Above avg |
| Return on Equity | 25.27% | Above avg |
| Return on Invested Capital | 4.44% | Average |
Growth
How fast is the business expanding? Strong growth in revenue and earnings signals increasing market demand.
| Metric | Value | vs S&P 500 |
|---|---|---|
| Revenue Growth (YoY) | 1.00% | Below avg |
| Revenue Growth (3Y CAGR) | 9.79% | Above avg |
| EPS Growth (YoY) | 357.60% | Top 25% |
| Free Cash Flow Growth | 16.88% | Above avg |
Health
Can the company cover its debts and obligations? A healthy balance sheet reduces the risk of financial trouble.
| Metric | Value | vs S&P 500 |
|---|---|---|
| Current Ratio | 0.34 | Below avg |
| Debt to Equity | 0.29 | Top 25% |
| Interest Coverage | 19.34 | Top 25% |
| Altman Z-Score | — | N/A |
Dividends
Does the company pay shareholders, and is that payment growing and sustainable?
| Metric | Value | vs S&P 500 |
|---|---|---|
| Dividend Yield | 1.63% | Average |
| Payout Ratio | 13.13% | Above avg |
| Dividend Growth (5Y) | -7.60% | Average |
Cash Flow
Is real cash flowing into the business — not just accounting profits? Strong cash flow funds growth and dividends.
| Metric | Value | vs S&P 500 |
|---|---|---|
| Free Cash Flow Yield | 17.48% | Top 25% |
| OCF to Sales | 23.38% | Above avg |
Risk
How volatile is the stock compared to the broader market? Lower beta and volatility mean a smoother ride.
| Metric | Value | vs S&P 500 |
|---|---|---|
| Beta (1-Year) | 0.49 | Top 25% |
| Volatility (30-Day) | 18.56% | Top 25% |
Sentiment
What do analysts and short-sellers think? High analyst ratings and low short interest signal broad confidence.
| Metric | Value | vs S&P 500 |
|---|---|---|
| Short % of Float | 3.18% | Above avg |
| Avg. Analyst Rating | 2.61 | Below avg |
| Target Upside % | 1.66% | Below avg |
Size
How large is the company by market value? Size affects stability, growth potential, and index inclusion.
| Metric | Value | vs S&P 500 |
|---|---|---|
| Market Capitalization | 65.45B | Above avg |
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