Profitability
Weight: 25%
B
73
Scored using loss ratio — insurer-archetype substitution.
- Loss Ratio 62.0%
- Loss Ratio Trend -2.58 pp/yr
TRV
The Travelers Companies, Inc.
AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.
Capital Efficiency
Weight: 15%
A-
83
- 5yr Avg ROE 15.0%
- 5yr Share-Count CAGR -2.2%
Growth Quality
Weight: 10%
A
88
Scored using premium growth cross-checked against loss-ratio trend — insurer-archetype substitution.
- 5yr Premium CAGR 8.6%
- Loss Ratio Trend (growth quality check) -2.58 pp/yr
- Revenue-Growth Years (5) 5/5
Cash Generation
Weight: 15%
B+
78
Scored using reserve development and loss-ratio stability — insurer-archetype substitution.
- Reserve Development 2.1%
- Loss Ratio Stability (σ) 0.32
Balance Sheet
Weight: 25%
A+
98
Scored using premiums-to-surplus — insurer-archetype substitution.
- Premiums / Surplus 1.34x
- Interest Coverage (EBIT/Int) 19.34x
Stability
Weight: 10%
C+
62
- EPS Volatility (σ/μ) 0.45
- Negative-Revenue Years (5) 0/5
- Piotroski F-Score 6
Guru Flow
Curated superinvestor sentiment — not part of the AlphaQuality grade.4 of 4 gurus held; 3 added; 1 trimmed.
- Holders
- 4 +1
- Avg Δ position
- +226.4%
- New buys
- 0
- Full exits
- 0
- Wood increased +650%
- Dalio increased +42%
- Greenblatt decreased -12%