The Travelers Companies, Inc. logo TRV - The Travelers Companies, Inc.

Price: -- -- | CONSENSUS: Hold DETAILS
STRONG
BUY 1
BUY 12
HOLD 27
SELL 3
STRONG
SELL 0
| PRICE TARGET: $313.00 DETAILS
HIGH: $317.00
LOW: $304.00
MEDIAN: $315.50
CONSENSUS: $313.00
UPSIDE: 2.13%
Annual Quarterly
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995 1994 1993
Revenue
Revenue 48,828 46,428 41,373 36,896 34,816 31,981 31,581 30,282 28,902 27,625 26,815 27,174 26,191 25,740 25,446 25,112 24,680 24,477 26,017 25,090 24,365 22,544 15,139 14,270 9,032 7,946 7,149 9,108.4 9,623.2 9,231.5 5,409.6 4,701.3 4,460.2
Cost of Revenue 27,221 34,032 32,441 28,369 25,341 23,896 23,734 22,672 21,633 19,055 17,608 17,752 17,128 18,586 20,152 17,012 16,221 16,873 16,103 15,583 18,179 18,417 11,102 12,949 9,181 5,309 5,041 7,529.9 5,054.2 5,001.1 3,721.3 3,215.6 732.1
Gross Profit 21,607 12,396 8,932 8,527 9,475 8,085 7,847 7,610 7,269 8,570 9,207 9,422 9,063 7,154 5,294 8,100 8,459 7,604 9,914 9,507 6,186 4,127 4,037 1,321 (149) 2,637 2,108 1,578.5 4,569.0 4,230.4 1,688.3 1,485.6 3,728.1
Operating Expenses
R&D Expenses 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
SG&A Expenses 6,120 5,819 5,176 4,810 4,677 4,509 4,365 4,297 4,170 4,154 4,094 3,964 3,757 3,610 3,556 3,406 3,366 3,518 3,352 3,458 3,229 2,945 1,641 1,424 1,282 1,236 1,157 1,624.8 1,208.1 1,091.3 0 0 0
Other Expenses 7,691 397 385 363 340 339 344 352 369 363 373 369 361 378 386 388 382 370 346 324 286 236 167 157 0 0 0 0 (3,345.2) (3,318.3) 1,032.1 922.1 0
Operating Expenses 13,811 6,216 5,561 5,173 5,017 4,848 4,709 4,649 4,539 4,517 4,467 4,333 4,118 3,988 3,942 3,794 3,748 3,888 3,698 3,782 3,515 3,181 1,808 1,581 1,282 1,236 1,157 1,624.8 (2,137.1) (2,227.0) 1,032.1 922.1 0
Operating Income
Operating Income 7,796 6,180 3,371 3,354 4,458 3,237 3,138 2,961 2,730 4,053 4,740 5,089 4,945 3,166 1,352 4,306 4,711 3,716 6,216 5,725 2,671 946 2,229 (260) (1,431) 1,401 951 (46.3) 6,706.1 6,457.4 656.2 563.6 3,728.1
Interest Expense 425 392 376 351 340 339 344 352 369 363 373 369 361 378 386 388 382 370 346 324 286 236 167 157 0 0 0 0 0 0 0 0 0
Interest Income 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Profitability
EBITDA 8,901 7,287 4,469 4,531 5,668 4,365 4,245 4,116 3,912 5,242 5,931 6,322 6,173 4,371 2,540 5,506 5,890 4,907 7,373 6,857 3,648 1,704 2,481 (61) (1,251) 1,506 1,069 86.6 6,814.1 6,555.4 683.6 587.5 3,748.3
EBIT 8,221 6,572 3,747 3,705 4,798 3,576 3,482 3,313 3,099 4,416 5,113 5,458 5,306 3,544 1,738 4,694 5,093 4,086 6,562 6,049 2,957 1,182 2,396 (103) (1,431) 1,401 951 (46.3) 6,706.1 6,457.4 656.2 563.6 3,728.1
Income Before Tax 7,796 6,180 3,371 3,354 4,458 3,237 3,138 2,961 2,730 4,053 4,740 5,089 4,945 3,166 1,352 4,306 4,711 3,716 6,216 5,725 2,671 946 2,229 (260) (1,431) 1,401 951 (46.3) 1,335.7 991.1 656.2 563.6 522.6
Income Tax Expense 1,508 1,181 380 512 796 540 516 438 674 1,039 1,301 1,397 1,272 693 (74) 1,090 1,089 792 1,615 1,517 610 69 537 (477) (422) 431 219 (135.6) 338.7 150.6 135.0 120.8 95
Net Income 6,288 4,999 2,991 2,842 3,662 2,697 2,622 2,523 2,056 3,014 3,439 3,692 3,673 2,473 1,426 3,216 3,622 2,924 4,601 4,208 1,622 955 1,696 (27) (1,088) 993 834 89.3 929.2 732.7 521.2 442.8 427.6
Per Share Data
EPS (Basic) 27.84 21.76 12.93 11.91 14.63 10.56 10.01 9.44 7.39 10.39 10.99 10.82 9.84 6.35 3.40 6.69 6.38 4.87 7.00 6.12 2.39 1.56 3.91 0.97 -5.13 4.50 3.61 0.33 3.97 3.01 3.00 2.56 2.46
EPS (Diluted) 27.43 21.47 12.79 11.77 14.49 10.52 9.92 9.35 7.33 10.28 10.88 10.70 9.74 6.30 3.36 6.62 6.33 4.81 6.85 5.91 2.33 1.53 3.80 0.93 -5.13 4.24 3.41 0.32 3.97 2.84 2.84 2.47 2.39
Shares Outstanding 224.2 228 229.7 237 248.5 253.5 260 267.4 276 288.1 310.6 338.8 370.3 386.2 415.8 476.5 572.8 595.9 652 687.1 676.3 608.3 434.3 224 212 217 228 245.0 169.6 180.4 171.2 169.7 170.4
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2009 2008 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995 1994 1993
Current Assets
Cash & Cash Equivalents 710 568 650 799 761 721 494 373 344 307 255 350 262 352 315 151 52 165 119.8 22.7 37.2 34.4 46.7 0
Short-Term Investments 25,459 89,119 88,810 75,437 82,539 79,514 73,077 67,449 67,589 65,380 4,852 5,222 4,944 2,138 2,152 2,153 2,331 1,373 982.5 441.4 289.8 939.5 898.1 0
Net Receivables 22,765 23,033 10,970 21,214 21,042 20,421 20,743 20,661 20,228 19,618 11,268 12,185 11,830 7,211 3,176 3,630 3,395 2,922 2,630.4 2,213.9 1,559 2,249.0 2,271.2 2,093.6
Inventory 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Current Assets 132 131 15,848 0 0 (101,428) (95,003) (89,061) (88,712) (85,894) (16,375) (17,757) (17,036) (9,701) (5,643) (5,934) (5,778) (4,460) (3,732.7) (2,677.9) (1,886.0) (3,223.0) (3,216.0) (2,093.6)
Total Current Assets 50,349 114,053 116,278 98,474 105,244 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Non-Current Assets
Property, Plant & Equipment 0 0 0 0 0 0 0 0 0 0 0 0 0 343 459 486 492 507 518.5 602.4 281.1 478.3 477.6 455.9
Goodwill 4,066 4,233 3,976 3,952 4,008 3,976 3,961 3,937 3,951 3,580 3,365 3,366 3,564 2,412 874 3,630 510 509 592.1 0 0 314.5 279.3 0
Intangible Assets 3,854 3,854 277 3,123 2,848 317 330 345 342 268 588 688 1,062 422 139 0 0 0 0 618.5 167.3 0 0 284.3
Long-Term Investments 75,723 5,104 0 5,017 4,836 79,998 73,502 67,817 68,042 66,112 71,150 66,876 59,972 35,917 2,546 3,563 3,797 22,320 21,928.9 13,925.1 13,042.2 12,023.9 10,257.8 0
Other Non-Current Assets 8,829 4,183 3,943 3,274 3,530 (84,291) (77,793) (72,099) (72,335) (69,960) (75,103) (70,930) (64,598) (39,094) (4,018) (4,739) (4,799) (23,336) (23,039.5) (15,146.0) (13,490.6) (12,816.6) (11,014.7) (740.2)
Total Non-Current Assets 93,359 19,136 9,700 17,243 15,222 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Total Assets 143,708 133,189 125,978 115,717 120,466 116,764 110,122 104,233 103,483 100,245 109,560 109,632 111,246 64,872 39,959 38,321 35,502 38,873 38,322.7 37,358.8 20,681 19,656.5 17,495.8 17,149.2
Current Liabilities
Account Payables 3,555 3,739 3,787 4,015 4,295 4,617 4,982 5,074 5,049 4,882 546 528 896 403 1,010 943 1,060 1,810 2,897.7 0 665.6 1,778.1 1,947.1 0
Short-Term Debt 300 100 100 100 100 100 600 600 600 550 373 242 0 0 0 0 0 0 0 0 0 0 0 0
Deferred Revenue 22,431 22,289 20,872 18,240 16,469 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Current Liabilities 65,737 64,093 57,659 58,649 57,196 (100) (5,582) 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Total Current Liabilities 92,023 90,221 82,499 81,004 78,060 4,617 0 5,674 5,649 5,432 919 770 896 1,438 1,973 1,979 2,091 1,810 2,897.7 0 665.6 1,778.1 1,947.1 0
Non-Current Liabilities
Long-Term Debt 8,967 7,933 7,931 7,192 7,190 6,450 5,958 5,964 5,971 5,887 6,154 5,939 6,313 2,675 2,713 2,130 1,647 1,466 1,260.4 1,304 689.1 704 622.6 639.7
Deferred Tax Liabilities 0 0 0 0 289 558 137 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Non-Current Liabilities 9,824 7,171 10,627 5,961 6,040 75,838 (6,095) 69,701 68,132 65,705 75,072 77,604 82,836 48,772 29,527 29,098 24,537 28,700 27,025.6 28,944 15,115.4 13,444.3 12,188.6 13,505.7
Total Non-Current Liabilities 18,791 15,104 18,558 13,153 13,519 82,946 0 75,665 74,103 71,592 81,226 83,543 89,149 51,447 32,240 31,228 26,184 30,166 28,286.0 30,248 15,804.5 14,148.3 12,811.2 14,145.4
Total Liabilities 110,814 105,325 101,057 94,157 91,579 87,563 84,179 81,339 79,752 77,024 82,145 84,313 90,045 52,885 34,213 33,207 28,275 31,976 31,183.6 30,248 16,470.1 15,926.4 14,758.4 14,145.4
Stockholders' Equity
Common Stock 25,910 25,452 24,906 24,565 24,154 23,743 23,469 23,144 22,886 22,614 0 0 0 0 0 0 0 2,079 2,127.7 512.2 475.7 460.5 445.2 0
Retained Earnings 54,931 49,630 45,591 43,516 41,555 38,771 36,977 35,204 33,462 32,196 16,315 13,314 2,744 2,290 2,473 2,500 4,243 3,827 3,480.1 3,720.1 2,935.9 2,704.1 2,362.3 2,082.8
Accumulated Other Comprehensive Income (2,500) (4,967) (4,471) (6,445) 1,193 2,502 640 (1,859) (343) (755) 1,219 (900) 952 1,086 602 364 697 542 1,013.1 655.7 596.5 587.0 (30.2) 0
Total Stockholders' Equity 32,894 27,864 24,921 21,560 28,887 29,201 25,943 22,894 23,731 23,221 27,415 25,319 21,201 11,987 5,746 5,114 7,227 6,472 6,636.4 6,608.1 4,003.9 3,730.1 2,732.9 3,003.8
Total Liabilities & Equity 143,708 133,189 125,978 115,717 120,466 116,764 110,122 104,233 103,483 100,245 109,560 109,632 111,246 64,872 39,959 38,321 35,839 38,873 38,322.7 37,358.8 20,681 19,656.5 17,491.3 17,149.2
Debt Metrics
Total Debt 9,267 8,033 8,031 7,292 7,290 6,550 6,558 6,564 6,571 6,437 6,527 6,181 6,313 2,675 2,713 2,130 1,647 1,466 1,260.4 1,304 689.1 704 622.6 639.7
Net Debt 8,557 7,465 7,381 6,493 6,529 5,829 6,064 6,191 6,227 6,130 6,272 5,831 6,051 2,323 2,398 1,979 1,595 1,301 1,140.6 1,281.3 651.9 669.6 575.9 639.7
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995 1994 1993
Operating Activities
Net Income 6,288 4,999 2,991 2,842 3,662 2,697 2,622 2,523 2,056 3,014 2,061 867 1,696 (27) (1,009) 970 705 89.3 1,062 840.5 521.2 442.8 427.6
Depreciation & Amortization 680 715 722 826 870 789 763 803 813 826 691 522 85 42 180 105 118 132.9 108 98 27.4 23.9 20.2
Stock-Based Compensation 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Change in Working Capital (4,325) (3,753) (2,660) (2,445) (1,949) (1,708) (2,384) (2,835) (2,611) (3,166) (2,008) 1,407 (432) 1,594 1,740 (1,310) (580) 41.8 (30) (105.4) (209.5) (127.8) 50.7
Other Non-Cash Items 7,963 7,265 6,821 5,428 4,629 4,770 4,237 3,902 3,553 3,685 2,369 2,725 1,946 1,906 76 (708) (413) (195.4) (332) 478.1 633.8 596.4 284
Operating Cash Flow 10,606 9,074 7,711 6,465 7,274 6,519 5,205 4,380 4,148 4,469 3,613 5,241 3,834 2,926 987 (563) (50) 68.6 847 1,299.7 917.7 899.2 733.5
Investing Activities
Capital Expenditure 0 0 0 0 0 0 0 0 0 0 0 0 (48) (65) (70) (88) (153) (84.3) (142) (325.3) (54.9) (66.6) (47.2)
Acquisitions 0 (382) 0 (4) (38) 0 0 (4) (439) 0 0 148 0 0 154 (11) 251 (97.6) (169.1) (184.6) (51.7) 0 0
Purchases of Investments (20,236) (17,652) (18,037) (16,618) (19,099) (15,285) (12,259) (13,328) (13,323) (12,460) (16,745) (17,587) (15,616) (20,593) (7,289) (5,154) (5,044) (4,932.8) (5,537) (4,674.7) (2,868.6) (2,223.0) (2,484.7)
Sales/Maturities of Investments 12,973 11,162 11,745 13,310 14,217 10,836 9,789 11,321 11,837 11,050 12,037 13,831 16,040 15,682 6,281 6,489 5,472 5,008.3 5,153 4,188.9 1,991.4 1,465.7 2,144.9
Other Investing Activities (389) (392) (529) (416) (276) (443) (432) (318) (277) (317) (747) (1,178) (2,851) 2,705 (370) (554) (827) 35.1 (102.9) 182.8 (29.5) 68.3 (303.5)
Investing Cash Flow (7,652) (7,264) (6,821) (3,728) (5,196) (4,892) (2,902) (2,329) (2,202) (1,727) (5,455) (4,786) (2,475) (2,271) (1,294) 682 (301) (71.4) (798) (812.9) (1,013.4) (755.6) (690.5)
Financing Activities
Net Debt Issuance 1,233 0 738 0 739 (10) (8) (9) 132 91 (415) 75 169 (4,626) 454 135 198 14.1 37 (96.3) 92.6 (6.5) 25.5
Stock Repurchased (3,131) (1,117) (1,022) (2,061) (2,200) (672) (1,548) (1,321) (1,440) (2,472) (33) (23) (58) (4) (801) (587) (471) (135.1) (199) (226.5) (41.7) (34.1) (0.2)
Dividends Paid (979) (951) (908) (875) (869) (861) (844) (814) (785) (757) (628) (642) (287) (159) (245) (241) (246) (226.4) (199) (199.9) (144.7) (136.1) (129.2)
Other Financing Activities 0 321 141 267 293 127 213 132 173 332 1 (61) (923) (97) 427 521 880 331.5 318 4 (29.9) 53.5 61.3
Financing Cash Flow (2,663) (1,747) (1,051) (2,669) (2,037) (1,416) (2,187) (2,012) (1,920) (2,806) (469) (540) (1,099) (800) 410 (172) 361 9.4 (19) (521.1) 83.2 (123.2) (42.6)
Cash Position
Net Change in Cash 143 49 (149) 38 40 227 121 29 37 (73) 75 (90) 260 (145) 99 (53) 10 6.7 30 (34.4) (12.2) 21.2 (26.6)
Cash at Beginning 699 650 799 761 721 494 373 344 307 380 262 352 92 237 52 105 95 113.2 106 144.3 46.7 25.4 26.6
Cash at End 842 699 650 799 761 721 494 373 344 307 337 262 352 92 151 52 105 119.8 136 109.9 34.4 46.7 0
Free Cash Flow 10,606 9,074 7,711 6,465 7,274 6,519 5,205 4,380 4,148 4,469 3,613 5,241 3,834 2,926 917 (651) (203) (15.7) 705 974.4 862.9 832.7 686.3
Key Metrics 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995 1994 1993
Income Statement
Revenue 48,828 46,428 41,373 36,896 34,816 31,981 31,581 30,282 28,902 27,625 26,815 27,174 26,191 25,740 25,446 25,112 24,680 24,477 26,017 25,090 24,365 22,544 15,139 14,270 9,032 7,946 7,149 9,108.4 9,623.2 9,231.5 5,409.6 4,701.3 4,460.2
Gross Profit 21,607 12,396 8,932 8,527 9,475 8,085 7,847 7,610 7,269 8,570 9,207 9,422 9,063 7,154 5,294 8,100 8,459 7,604 9,914 9,507 6,186 4,127 4,037 1,321 (149) 2,637 2,108 1,578.5 4,569.0 4,230.4 1,688.3 1,485.6 3,728.1
Operating Income 7,796 6,180 3,371 3,354 4,458 3,237 3,138 2,961 2,730 4,053 4,740 5,089 4,945 3,166 1,352 4,306 4,711 3,716 6,216 5,725 2,671 946 2,229 (260) (1,431) 1,401 951 (46.3) 6,706.1 6,457.4 656.2 563.6 3,728.1
Net Income 6,288 4,999 2,991 2,842 3,662 2,697 2,622 2,523 2,056 3,014 3,439 3,692 3,673 2,473 1,426 3,216 3,622 2,924 4,601 4,208 1,622 955 1,696 (27) (1,088) 993 834 89.3 929.2 732.7 521.2 442.8 427.6
EPS (Diluted) 27.43 21.47 12.79 11.77 14.49 10.52 9.92 9.35 7.33 10.28 10.88 10.70 9.74 6.30 3.36 6.62 6.33 4.81 6.85 5.91 2.33 1.53 3.80 0.93 -5.13 4.24 3.41 0.32 3.97 2.84 2.84 2.47 2.39
Balance Sheet
Cash & Equivalents 710 568 650 799 761 721 494 373 344 307 255 350 262 352 315 151 52 165 119.8 22.7 37.2 34.4 46.7 0
Total Assets 143,708 133,189 125,978 115,717 120,466 116,764 110,122 104,233 103,483 100,245 109,560 109,632 111,246 64,872 39,959 38,321 35,502 38,873 38,322.7 37,358.8 20,681 19,656.5 17,495.8 17,149.2
Total Debt 9,267 8,033 8,031 7,292 7,290 6,550 6,558 6,564 6,571 6,437 6,527 6,181 6,313 2,675 2,713 2,130 1,647 1,466 1,260.4 1,304 689.1 704 622.6 639.7
Stockholders' Equity 32,894 27,864 24,921 21,560 28,887 29,201 25,943 22,894 23,731 23,221 27,415 25,319 21,201 11,987 5,746 5,114 7,227 6,472 6,636.4 6,608.1 4,003.9 3,730.1 2,732.9 3,003.8
Cash Flow
Operating Cash Flow 10,606 9,074 7,711 6,465 7,274 6,519 5,205 4,380 4,148 4,469 3,613 5,241 3,834 2,926 987 (563) (50) 68.6 847 1,299.7 917.7 899.2 733.5
Capital Expenditure 0 0 0 0 0 0 0 0 0 0 0 0 (48) (65) (70) (88) (153) (84.3) (142) (325.3) (54.9) (66.6) (47.2)
Free Cash Flow 10,606 9,074 7,711 6,465 7,274 6,519 5,205 4,380 4,148 4,469 3,613 5,241 3,834 2,926 917 (651) (203) (15.7) 705 974.4 862.9 832.7 686.3