Score Your Stock

US stock · figures in US dollars · scored on full-year results

Travelers Companies The Travelers Companies, Inc. Common Stock

TRV · Financial Services · Insurance - Property & Casualty
Top 3% of scored stocks
OkayTop 3% of scored stocks
Limited Data

Travelers Companies scores 78/100 on fundamentals: in the top 3% of 503 scored S&P 500 stocks. Its strongest area is Financial Safety (100/100); its weakest is Cash & Dividends (67/100). It carries 1 warning flag: Limited Data.

Best
Financial 100
Weakest
Cash 67
Price 67
  • Carries a Limited Data flag

A financially strong, inexpensively priced stock, but cash & dividends needs attention.

Mkt capUS$ 81.2b#159 of 503 in the S&P 500EPSUS$ 38.03P/E9.9×✓ vs sector median 15.7×P/B2.9×✗ vs sector median 2.7×Div yield1%Bottom 46% in the S&P 50052w range · 92% of range264.25407.87
as of 31 Oct 2026

Nearby peers

Ranks #5 of 56 in Financial Services by score

One-Minute Summary

Why Travelers Companies scores 78

A financially strong, inexpensively priced stock, but cash & dividends needs attention.

Business Strength

90
Why 90?
Pillar score: (2 + 1 + 2 + 2 + 2) = 9 of 10 points → 90
Return on Equity (ROE)29%Strong4-Year Revenue Growth+6%/yrOkay4-Year Profit Growth+41%/yrStrongNet Profit Margin17%StrongQuarterly Momentum+2%Strong
Show 3 charts

Net Profit & Equity, with ROE

Net Profit ↑ +178.6%Equity ↑ +16.3%ROE % 28.7%
Net ProfitEquityROE %
3.0b5.0b6.3b8.3b24.9b27.9b32.9b29.0b202320242025TTM12%17.9%19.1%28.7%

Revenue & Net Profit, with Net Margin

Revenue ↑ +18.2%Net Profit ↑ +178.6%Net Margin % 17%
RevenueNet ProfitNet Margin %
41.4b46.4b48.8b48.9b3.0b5.0b6.3b8.3b202320242025TTM7.2%10.8%12.9%17%

Sales grew about 18.2% over 4 years: customers keep spending more with this company.

Profit climbed about 178.6% over 4 years: the business keeps more money as it grows.

Recent Quarters: Revenue & Net Profit (the last 8 quarters, scored)

Revenue → +2.1%Net Profit ↑ +76.6%Net Margin % 18.2%
RevenueNet ProfitNet Margin %
11.9b12.0b11.8b12.1b12.5b12.4b11.9b12.2b1.3b2.1b392m1.5b1.9b2.5b1.7b2.2bQ3'24Q4'24Q1'25Q2'25Q3'25Q4'25Q1'26Q2'2610.5%17.2%3.3%12.5%15.1%20.1%14.3%18.2%
▲▲▼▲▲▲▲▲

Sales have stayed roughly flat over the last 8 quarters.

Profit grew about 76.6% over the last 8 quarters: the business is keeping more of what it earns.

Why 100?
Pillar score: (2 + 2) = 4 of 4 points → 100 · 1 N/A skipped
Debt-to-Equity0.3×StrongInterest Coverage23.4×Strong

No data: Current Ratio

Show chart

Debt vs Equity, with D/E ratio

Total Debt ↑ +22.2%Equity ↑ +16.3%D/E 0.3×
Total DebtEquityD/E
8.0b8.0b9.3b9.8b24.9b27.9b32.9b29.0b202320242025TTM0.3×0.3×0.3×0.3×

Borrowings grew about 22.2% over 4 years: watch this; rising debt adds pressure in bad times.

Why 67?
Pillar score: (0 + 2 + 2) = 4 of 6 points → 67 · 1 N/A skipped
Dividend Quality1%Weak
Payout ratio: 12%
Operating Cash FlowPositive & growingStrongCash & Cash EquivalentsGrowing & covers near-term debtStrong

No data: Free Cash Flow

Show 2 charts

Cash vs Total Debt

Cash ↑ +23.8%Short-Term Debt → +0%Total Debt ↑ +22.2%
CashShort-Term DebtTotal Debt
500m568m710m619m100m100m300m100m8.0b8.0b9.3b9.8b202320242025TTM

Dividends per Share, with Yield

DPS (cents) ↑ +18.5%Yield % 1.2%
DPS (cents)Yield %
8893939310010010011011011036739341543520222023202420252.3%2.4%1.9%1.2%

Dividends per share have been maintained or raised: management shares the rewards with you.

Why 67?
Pillar score: (2 + 0 + 2) = 4 of 6 points → 67
P/E Ratio9.9×StrongP/B Ratio2.9×WeakPEG Ratio0.2Strong
Show chart

Share Price: Weekly Closes (not part of the score)

US$ 398.28US$ 331.43US$ 264.58Oct '25Feb '26Jun '26Oct '26

The share price is up about 49.8% over the past year.

Why 70?
Pillar score: (2 + 0 + 2 + 1 + 2) = 7 of 10 points → 70 · 1 N/A skipped
Earnings ConsistencySteadyStrongDebt Trend (4yr)RisingWeakShare Count Trend (4yr)-3%/yrStrongAsset Turnover Trend (4yr)+4.8%OkayQuarterly Consistency0 of 4 quarters downStrong

No data: Inventory vs Sales (4yr)

Ranks #5 of 56 in Financial Services by score

Full Financial History

Every reported figure behind the score, year by year. Download it, or check it against the company's own annual report.

Financial YearRevenueNet ProfitOperating Cash FlowCashTotal DebtShort-Term DebtEquityTotal AssetsTotal LiabilitiesDividendsReturn on Equity (ROE)Net Profit MarginDebt-to-EquityInterest CoverageDividend Payout RatioDiv yieldP/E RatioP/B RatioPEG Ratio
2026US$ 48.9bUS$ 8.3bUS$ 10.7bUS$ 619.0mUS$ 9.8bUS$ 100.0mUS$ 29.0bUS$ 142.1bUS$ 113.1b-29%17%0.3×23.4×12%----
2025US$ 48.8bUS$ 6.3bUS$ 10.6bUS$ 710.0mUS$ 9.3bUS$ 300.0mUS$ 32.9bUS$ 143.7bUS$ 110.8bUS$ 435.0m19%13%0.3×19.3×16%2%9.8×1.9×0.3
2024US$ 46.4bUS$ 5.0bUS$ 9.1bUS$ 568.0mUS$ 8.0bUS$ 100.0mUS$ 27.9bUS$ 133.2bUS$ 105.3bUS$ 415.0m18%11%0.3×16.8×19%2%10.7×1.9×1.0
2023US$ 41.4bUS$ 3.0bUS$ 7.7bUS$ 500.0mUS$ 8.0bUS$ 100.0mUS$ 24.9bUS$ 126.0bUS$ 101.1bUS$ 393.0m12%7%0.3×10.0×30%2%13.9×1.7×4.0