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Travelers Cos.
TRVFinancialsGenerated Jul 5, 2026, 08:10 PM UTC
TRV (Travelers Cos.) analytical snapshot. Revenue grew +12.1% YoY to $41.36B. 5-year revenue CAGR +5.5%; 10y CAGR +4.8%. Net margin at 7.23% (contracting ▼). Market cap $72.79B at $342.31 per share. Trailing P/E 26.76, P/S 1.76, P/B 2.28. EV/Operating income ≈ 31.97 (EV $78.04B). Risk: Moderate. Macro: Risk-on · Supportive. Composite analytical score 2 (data confidence 74%). Descriptive analytics from public filings — not investment advice.
Market cap
$72.79B
212.64M shares
Price
$342.31
NYQ
P/E (ttm)
26.76
Revenue (FY)
$41.36B
YoY +12.1%
Net margin
7.23%
▼ 1.20pp
Free cash flow
—
Risk level
Moderate
Free SEC analysis
— computed from SEC filings, free to readFree previewFundamentals Analyst
Fundamentals
Fundamentals Analyst
score 25Improving
60% conf
Revenue grew +12.1% YoY to $41.36B. 5-year revenue CAGR +5.5%; 10y CAGR +4.8%. Net margin at 7.23% (contracting ▼).
- Revenue grew +12.1% YoY to $41.36B.
- 5-year revenue CAGR +5.5%; 10y CAGR +4.8%.
- Net margin at 7.23% (contracting ▼).
- Return on equity 12.00%, ROA 2.25%, ROIC 0.00%.
- Gross margin 0.00%, operating margin 0.00%.
- Net income up ▲ +5.2% YoY.
- Debt/equity 0.18, current ratio —, net debt $5.25B.
- Asset turnover 0.29 — capital efficiency.
Revenue (FY)
$41.36B
YoY +12.1%
Net margin
7.23%
▼ 1.20pp
ROE
12.00%
ROA 2.25%
ROIC
0.00%
EPS (diluted)
$12.79
FY2025
Free cash flow
—
Debt / equity
0.18
Cash $615.0M
Current ratio
—
Equity $31.99B
Annual fundamentals — up to 10 years (SEC 10-K, US-GAAP)
| FY | Revenue | Rev YoY | Gross% | Op% | Net% | FCF | ROE% |
|---|---|---|---|---|---|---|---|
| 2016 | $27.17B | — | 0.00 | 0.00 | 13.59 | — | 14.87 |
| 2017 | $26.82B | -1.3% | 0.00 | 0.00 | 12.82 | — | 14.57 |
| 2018 | $27.63B | +3.0% | 0.00 | 0.00 | 10.91 | — | 12.98 |
| 2019 | $28.90B | +4.6% | 0.00 | 0.00 | 7.11 | — | 8.66 |
| 2020 | $30.28B | +4.8% | 0.00 | 0.00 | 8.33 | — | 11.02 |
| 2021 | $31.58B | +4.3% | 0.00 | 0.00 | 8.30 | — | 10.11 |
| 2022 | $31.98B | +1.3% | 0.00 | 0.00 | 8.43 | — | 9.24 |
| 2023 | $34.82B | +8.9% | 0.00 | 0.00 | 10.52 | — | 12.68 |
| 2024 | $36.88B | +5.9% | 0.00 | 0.00 | 7.71 | — | 13.18 |
| 2025 | $41.36B | +12.1% | 0.00 | 0.00 | 7.23 | — | 12.00 |
Quarterly revenue trend (last 6 quarters, SEC 10-Q)
| Quarter end | Revenue | YoY | QoQ | Net margin |
|---|---|---|---|---|
| Mar 31, 2025 | $11.81B | +5.2% | — | 3.34% |
| Jun 30, 2025 | $23.93B | +6.3% | +102.6% | 7.96% |
| Jun 30, 2025 | $12.12B | -46.2% | -49.4% | 15.71% |
| Sep 30, 2025 | $36.40B | +5.8% | +200.4% | 10.42% |
| Sep 30, 2025 | $12.47B | -63.8% | -65.7% | 30.41% |
| Mar 31, 2026 | $11.92B | +1.0% | -4.4% | 14.35% |
Revenue (annual, SEC 10-K)
2016: 27,174
2017: 26,815
2018: 27,625
2019: 28,902
2020: 30,282
2021: 31,581
2022: 31,981
2023: 34,816
2024: 36,884
2025: 41,364
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
Profitability trends (%)
GrossOperatingNet
Sources:SEC EDGAR — Company Facts (XBRL)
Free previewRegulatory Analyst
Filings & Ownership
Regulatory Analyst
score -10Stable
80% conf
Latest annual report (10-K) filed Feb 12, 2026. Latest quarterly report (10-Q) filed Apr 16, 2026. 6 recent 8-K material-event filings in the index.
- Latest annual report (10-K) filed Feb 12, 2026.
- Latest quarterly report (10-Q) filed Apr 16, 2026.
- 6 recent 8-K material-event filings in the index.
- Recent insider Form 4s: 0 buy vs 5 sell transactions — net selling $6.5M.
- ~10,000+ recent 13F-HR filings reference Travelers Cos.; broad institutional reporting.
- Recent filers include Rosenbaum Jay D., Rosenbaum Jay D., Rosenbaum Jay D..
- 20 recent 13G passive institutional ownership notices.
Latest 10-K
Feb 12, 2026
Annual report
Latest 10-Q
Apr 16, 2026
8-K (recent)
6
Insider net
-$6.5M
0B/5S
13F filers
10k+
Activist 13D
0
Recent 13F institutional filers (SEC EDGAR full-text)
| Filer | Form | Filed |
|---|---|---|
| Rosenbaum Jay D. | 13F-HR | Oct 26, 2021 |
| Rosenbaum Jay D. | 13F-HR | Jul 14, 2021 |
| Rosenbaum Jay D. | 13F-HR | Apr 26, 2021 |
| Connolly Sarah T. | 13F-HR | Jul 14, 2021 |
| Connolly Sarah T. | 13F-HR | Apr 26, 2021 |
Recent insider Form 4 activity
| Insider | Date | Net | Buys/Sells |
|---|---|---|---|
| Klein Michael Frederick | May 27, 2026 | -$3.1M | 0/3 |
| BESSETTE ANDY F | May 26, 2026 | -$1.3M | 0/1 |
| Kess Avrohom J. | Apr 29, 2026 | -$2.1M | 0/1 |
Recent 8-K material events
| Date | Form | Description |
|---|---|---|
| May 22, 2026 | 8-K | FORM 8-K |
| May 21, 2026 | 8-K | FORM 8-K |
| Apr 16, 2026 | 8-K | 8-K |
| Feb 17, 2026 | 8-K | FORM 8-K |
| Feb 6, 2026 | 8-K | FORM 8-K |
| Jan 21, 2026 | 8-K | 8-K |
Insider Form 4 sentiment (transactions)
Buys: 0
Sells: 5
Buys
Sells
Free previewSEC Filing Analyst
SEC Filing Deep-Analysis
SEC Filing Analyst
score -61Deteriorating
62% conf
4 risk signal(s), 1 positive signal(s), 1 watch item(s) detected from XBRL filing diff analysis. 4 risk signal(s) detected versus 1 positive signal(s). The balance of evidence suggests elevated filing-specific risk that warrants monitoring in subsequent filings.
- Going concern doubt: The term "going concern" appears in 32 recent filing(s) (vs 2 in the prior period). This risk language is ongoing.
- Material weakness in internal controls: The term "material weakness" appears in 19 recent filing(s) (vs 2 in the prior period). This risk language is ongoing.
- NEW: Substantial doubt about ability to continue in latest filing: The term "substantial doubt" "ability to continue" appears in recent 10-K/10-Q filings but was NOT present in the prior 24-month period. This is a new risk disclosure that warrants attention. Found in 4 filing(s).
- NEW: Restatement of financial statements in latest filing: The term "restate" "financial statements" appears in recent 10-K/10-Q filings but was NOT present in the prior 24-month period. This is a new risk disclosure that warrants attention. Found in 8 filing(s).
- Operating cash flow exceeds net income: OCF is 2.58x net income, indicating high earnings quality — cash conversion is strong and accruals are not inflating reported profits.
- NEW: Impairment charge: Impairment charge appears in recent filings but not in the prior 24-month period. Monitor for materiality.
- Endogenous analysis: 4 risk signal(s) detected versus 1 positive signal(s). The balance of evidence suggests elevated filing-specific risk that warrants monitoring in subsequent filings.
- 4 new XBRL disclosure(s) in latest filing — expanding reporting scope.
- 20 disclosure(s) dropped from prior year — reduced reporting granularity.
- 3 new risk-language term(s) detected in filing text: Substantial doubt about ability to continue, Restatement of financial statements, Impairment charge.
- Ongoing high-severity risk language: Going concern doubt, Material weakness in internal controls.
Revenue
$41.36B
+12.1% YoY
Operating income
$2.44B
+75.6% YoY
Net income
$2.99B
+5.2% YoY
Operating cash flow
$7.71B
+19.3% YoY
Total assets
$133.19B
+5.7% YoY
Total liabilities
$105.33B
+4.2% YoY
Long-term debt
$6.26B
+8.7% YoY
Cash & equivalents
$799.0M
+5.0% YoY
Filing quality score
73/100
4 new disclosures
SEC XBRL metric changes (latest annual vs prior)
| Metric | Prior year | Latest year | Change | % Change |
|---|---|---|---|---|
| Revenue | $36.88B | $41.36B | $4.48B | +12.1% |
| Operating income | $1.39B | $2.44B | $1.05B | +75.6% |
| Net income | $2.84B | $2.99B | $149.0M | +5.2% |
| Operating cash flow | $6.46B | $7.71B | $1.25B | +19.3% |
| Total assets | $125.98B | $133.19B | $7.21B | +5.7% |
| Total liabilities | $101.06B | $105.33B | $4.27B | +4.2% |
| Long-term debt | $5.76B | $6.26B | $500.0M | +8.7% |
| Cash & equivalents | $761.0M | $799.0M | $38.0M | +5.0% |
| Stockholders equity | $21.56B | $24.92B | $3.36B | +15.6% |
| SG&A expense | $4.81B | $5.18B | $366.0M | +7.6% |
| Interest expense | $351.0M | $376.0M | $25.0M | +7.1% |
XBRL disclosure changes (new vs dropped concepts)
| Type | Concepts |
|---|---|
| Added | AlternativeInvestment, DisposalGroupIncludingDiscontinuedOperationInvestment, InvestmentsFairValueDisclosure, ProceedsFromDivestitureOfBusinesses |
| Removed | AccruedIncomeTaxesCurrent, AmortizationOfIntangibleAssets, AssetsHeldByInsuranceRegulators, AssumedPremiumsEarned, AssumedPremiumsWritten, AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost, AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue, AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost, AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue, AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost |
Risk language in filing text (EDGAR full-text search)
| Term | Severity | Recent | Prior | Status |
|---|---|---|---|---|
| Going concern doubt | high | 32 | 2 | Ongoing |
| Material weakness in internal controls | high | 19 | 2 | Ongoing |
| Substantial doubt about ability to continue | high | 4 | 0 | NEW |
| Restatement of financial statements | high | 8 | 0 | NEW |
| Impairment charge | medium | 27 | 0 | NEW |
| Restructuring | medium | 96 | 5 | Ongoing |
| Off-balance sheet arrangements | medium | 26 | 2 | Ongoing |
| Related party transactions | low | 9 | 0 | NEW |
Filing signal breakdown
Red flags: 4
Positive: 1
Watch: 1
Red flags
Positive
Watch
Unlock the rest
- ProValuationMarket cap $72.79B at $342.31 per share.
- ProPrice & TechnicalsPrice $342.31 — uptrend (above 200-DMA); 1-month momentum positive.
- ProMacro & RatesMarket regime: Risk-on · Supportive.
- ProRisk ScorecardComposite risk: Moderate.
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Macro exposure
Rate-sensitive · High sensitivityMacro regime: Risk-on · Supportive. Travelers Cos. is a rate-sensitive name (high macro sensitivity) — a supportive backdrop, though defensives lag risk-on tapes.
Macro regime
Risk-on · Supportive
Yield curve
Normal
VIX
16.59
Fed funds
3.63%
CPI YoY
+4.2%
Analytical read
deterministic previewRevenue grew **+12.1%** YoY to $41.36B..
Risk
Moderate
Macro regime
Risk-on · Supportive
Macro exposure
Neutral
Descriptive analytics from public filings and macro data — not investment advice.
Peer comparison
Rate-sensitive groupHow TRV stacks up against tracked peers with similar macro sensitivity — by analytical score and macro exposure.
| Company | Score | Macro |
|---|---|---|
| Capital One Financial COF | 23 | Neutral |
| Chubb Ltd. CB | 23 | Neutral |
| U.S. Bancorp USB | 17 | Neutral |
| JPMorgan Chase & Co. JPM | 16 | Neutral |
| Prologis Inc. PLD | 14 | Neutral |
| Simon Property Group SPG | 13 | Neutral |
| American Express Co. AXP | 11 | Neutral |
| Bank of America Corp. BAC | 11 | Neutral |
| Visa Inc. V | 8 | Neutral |
| Mastercard Inc. MA | 8 | Neutral |
| Public Storage PSA | 8 | Neutral |
| Dominion Energy D | 6 | Neutral |
| Charles Schwab Corp. SCHW | 6 | Neutral |
| CME Group Inc. CME | 6 | Neutral |
| PNC Financial Services PNC | 4 | Neutral |
| Realty Income Corp. O | 4 | Neutral |
| Travelers Cos. TRV● you | 2 | Neutral |
| Duke Energy Corp. DUK | 0 | Neutral |
| Bank of New York Mellon BK | 0 | Neutral |
| Marsh & McLennan MMC | 0 | Neutral |
| Equity Residential EQR | 0 | Neutral |
| Wells Fargo & Co. WFC | -1 | Neutral |
| Welltower Inc. WELL | -1 | Neutral |
| Exelon Corp. EXC | -3 | Neutral |
| NextEra Energy NEE | -4 | Neutral |
| Xcel Energy XEL | -5 | Neutral |
| American International Group AIG | -5 | Neutral |
| Truist Financial TFC | -5 | Neutral |
| Digital Realty Trust DLR | -6 | Neutral |
| Allstate Corp. ALL | -7 | Neutral |
| S&P Global SPGI | -8 | Neutral |
| American Water Works AWK | -9 | Neutral |
| Goldman Sachs Group GS | -10 | Neutral |
| Citigroup Inc. C | -11 | Neutral |
| Moody's Corp. MCO | -13 | Neutral |
| Morgan Stanley MS | -13 | Neutral |
| MetLife Inc. MET | -13 | Neutral |
| Southern Company SO | -15 | Neutral |
| BlackRock Inc. BLK | -15 | Neutral |
| Equinix Inc. EQIX | -16 | Neutral |
| American Electric Power AEP | -18 | Neutral |
| Crown Castle Inc. CCI | -18 | Neutral |
| American Tower Corp. AMT | -39 | Neutral |