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Travelers Cos.
TRVFinancialsGenerated Jul 6, 2026, 10:02 PM UTC
TRV (Travelers Cos.) analytical snapshot. Revenue grew +5.2% YoY to $48.83B. 5-year revenue CAGR +7.0%; 10y CAGR +6.5%. Net margin at 12.88% (expanding ▲). Market cap $72.12B at $339.17 per share. Trailing P/E 12.36, P/S 1.48, P/B 2.25. EV/Operating income ≈ 21.25 (EV $77.37B). Risk: Moderate. Macro: Risk-on · Supportive. Composite analytical score 9 (data confidence 74%). Descriptive analytics from public filings — not investment advice.
Free SEC analysis
— computed from SEC filings, free to readFilings & Ownership
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.
| 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 |
| 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 |
| 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 |
SEC Filing Deep-Analysis
3 risk signal(s), 1 positive signal(s), 2 watch item(s) detected from XBRL filing diff analysis. 3 risk signal(s) detected versus 1 positive signal(s). The balance of evidence suggests elevated filing-specific risk that warrants monitoring in subsequent filings.
- NEW: Going concern doubt in latest filing: The term "going concern" "substantial doubt" 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: 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 "restatement of" "previously issued" 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 5 filing(s).
- Operating cash flow exceeds net income: OCF is 1.69x 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.
- NEW: Restructuring: Restructuring appears in recent filings but not in the prior 24-month period. Monitor for materiality.
- Endogenous analysis: 3 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.
- 5 new risk-language term(s) detected in filing text: Going concern doubt, Substantial doubt about ability to continue, Restatement of financial statements, Impairment charge, Restructuring.
| Metric | Prior year | Latest year | Change | % Change |
|---|---|---|---|---|
| Revenue | $46.42B | $48.83B | $2.40B | +5.2% |
| Operating income | $3.57B | $3.64B | $74.0M | +2.1% |
| Net income | $5.00B | $6.29B | $1.29B | +25.8% |
| Operating cash flow | $9.07B | $10.61B | $1.53B | +16.9% |
| Total assets | $133.19B | $143.71B | $10.52B | +7.9% |
| Total liabilities | $105.33B | $110.81B | $5.49B | +5.2% |
| Long-term debt | $6.26B | $5.86B | $-400.0M | -6.4% |
| Cash & equivalents | $699.0M | $842.0M | $143.0M | +20.5% |
| Stockholders equity | $27.86B | $32.89B | $5.03B | +18.1% |
| SG&A expense | $5.82B | $6.12B | $301.0M | +5.2% |
| Interest expense | $392.0M | $425.0M | $33.0M | +8.4% |
| Type | Concepts |
|---|---|
| Added | AlternativeInvestment, DisposalGroupIncludingDiscontinuedOperationInvestment, InvestmentsFairValueDisclosure, ProceedsFromDivestitureOfBusinesses |
| Removed | AccruedIncomeTaxesCurrent, AmortizationOfIntangibleAssets, AssetsHeldByInsuranceRegulators, AssumedPremiumsEarned, AssumedPremiumsWritten, AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost, AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue, AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost, AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue, AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost |
| Term | Severity | Recent | Prior | Status |
|---|---|---|---|---|
| Going concern doubt | high | 4 | 0 | NEW |
| Substantial doubt about ability to continue | high | 4 | 0 | NEW |
| Restatement of financial statements | high | 5 | 0 | NEW |
| Impairment charge | medium | 5 | 0 | NEW |
| Restructuring | medium | 5 | 0 | NEW |
| Off-balance sheet arrangements | medium | 5 | 2 | Ongoing |
Fundamentals
Revenue grew +5.2% YoY to $48.83B. 5-year revenue CAGR +7.0%; 10y CAGR +6.5%. Net margin at 12.88% (expanding ▲).
- Revenue grew +5.2% YoY to $48.83B.
- 5-year revenue CAGR +7.0%; 10y CAGR +6.5%.
- Net margin at 12.88% (expanding ▲).
- Return on equity 19.12%, ROA 4.38%, ROIC 0.00%.
- Gross margin 0.00%, operating margin 0.00%.
- Net income up ▲ +25.8% YoY.
- Debt/equity 0.18, current ratio —, net debt $5.25B.
- Asset turnover 0.34 — capital efficiency.
| FY | Revenue | Rev YoY | Gross% | Op% | Net% | FCF | ROE% |
|---|---|---|---|---|---|---|---|
| 2024 | $46.42B | +12.2% | 0.00 | 0.00 | 10.77 | — | 17.94 |
| 2025 | $48.83B | +5.2% | 0.00 | 0.00 | 12.88 | — | 19.12 |
| Quarter end | Revenue | YoY | QoQ | Net margin |
|---|---|---|---|---|
| Jun 30, 2024 | $11.28B | +11.7% | — | 4.73% |
| Sep 30, 2024 | $11.90B | +11.9% | +5.5% | 10.58% |
| Mar 31, 2025 | $11.81B | +5.2% | -0.8% | 3.34% |
| Jun 30, 2025 | $12.12B | +7.4% | +2.6% | 12.45% |
| Sep 30, 2025 | $12.47B | +4.8% | +2.9% | 15.14% |
| Mar 31, 2026 | $11.92B | +1.0% | -4.4% | 14.35% |
Pro analysis — preview
— score, signals & key metrics shown; full reasoning lockedValuation
Market cap $72.12B at $339.17 per share. Trailing P/E 12.36, P/S 1.48, P/B 2.25. EV/Operating income ≈ 21.25 (EV $77.37B).
- Market cap $72.12B at $339.17 per share.
Price & Technicals
Price $339.17 — uptrend (above 200-DMA); 1-month momentum positive. RSI(14) 83.19 (overbought).
- Price $339.17 — uptrend (above 200-DMA); 1-month momentum positive.
Macro & Rates
Risk-on · Supportive. Real GDP growth 2.10% (quarterly, as of Jan 1, 2026). CPI inflation +4.2% YoY (above the Fed's long-run ~2% target). Fed funds rate 3.63%, 10Y Treasury 4.49%.
- Market regime: Risk-on · Supportive.
Risk Scorecard
Composite risk Moderate. Leverage debt/equity 0.18 (low). Earnings stability: net-margin stdev 2.70pp over 18y.
- Composite 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.
Analytical read
deterministic previewRevenue grew **+5.2%** YoY to $48.83B..
Peer comparison
Rate-sensitive groupHow TRV stacks up against tracked peers with similar macro sensitivity — by analytical score and macro exposure.
| Company | Score | Macro |
|---|---|---|
| Allstate Corp. ALL | 30 | Neutral |
| Capital One Financial COF | 23 | Neutral |
| Chubb Ltd. CB | 20 | Neutral |
| American Express Co. AXP | 16 | Neutral |
| U.S. Bancorp USB | 14 | Neutral |
| Simon Property Group SPG | 13 | Neutral |
| Dominion Energy D | 12 | Neutral |
| Travelers Cos. TRV● you | 9 | Neutral |
| Mastercard Inc. MA | 8 | Neutral |
| Visa Inc. V | 7 | Neutral |
| Charles Schwab Corp. SCHW | 6 | Neutral |
| CME Group Inc. CME | 6 | Neutral |
| JPMorgan Chase & Co. JPM | 6 | Neutral |
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| Moody's Corp. MCO | 5 | Neutral |
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