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Travelers Cos.
TRVFinancialsGenerated Sep 5, 2026, 01:36 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 $77.04B at $369.35 per share. Trailing P/E 13.47, P/S 1.58, P/B 2.33. EV/Operating income ≈ 22.60 (EV $82.28B). Risk: Moderate. Macro: Risk-on · Supportive. Composite analytical score 7 (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 Jul 17, 2026. 8 recent 8-K material-event filings in the index.
- Latest annual report (10-K) filed Feb 12, 2026.
- Latest quarterly report (10-Q) filed Jul 17, 2026.
- 8 recent 8-K material-event filings in the index.
- Recent insider Form 4s: 0 buy vs 5 sell transactions — net selling $9.0M.
- ~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 |
|---|---|---|---|
| OLIVO MARIA | Aug 31, 2026 | -$2.2M | 0/1 |
| Yin Daniel Tei-Hwa | Jul 27, 2026 | -$2.8M | 0/1 |
| Kurtzman Diane | Jul 27, 2026 | -$1.6M | 0/1 |
| Rowland David Donnay | Jul 24, 2026 | -$1.9M | 0/1 |
| Munson Paul E. | Jul 24, 2026 | -$564.1K | 0/1 |
| Date | Form | Description |
|---|---|---|
| Aug 7, 2026 | 8-K | FORM 8-K |
| Jul 24, 2026 | 8-K | 8-K |
| Jul 17, 2026 | 8-K | 8-K |
| 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 |
SEC Filing Deep-Analysis
3 risk signal(s), 1 positive signal(s), 1 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).
- Restatement of financial statements: The term "restatement of" "previously issued" appears in 5 recent filing(s) (vs 1 in the prior period). This risk language is ongoing.
- 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.
- 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.
- 5 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: Going concern doubt, Substantial doubt about ability to continue, Impairment charge.
- Ongoing high-severity risk language: Restatement of financial statements.
| 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, RepaymentsOfDebt |
| 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 | 1 | Ongoing |
| Impairment charge | medium | 5 | 0 | NEW |
| Restructuring | medium | 5 | 3 | Ongoing |
| Off-balance sheet arrangements | medium | 5 | 2 | Ongoing |
| Related party transactions | low | 5 | 0 | NEW |
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 $5.24B.
- 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 |
|---|---|---|---|---|
| Sep 30, 2024 | $11.90B | +11.9% | — | 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% |
| Jun 30, 2026 | $12.15B | +0.3% | +1.9% | 18.17% |
Pro analysis — preview
— score, signals & key metrics shown; full reasoning lockedValuation
Market cap $77.04B at $369.35 per share. Trailing P/E 13.47, P/S 1.58, P/B 2.33. EV/Operating income ≈ 22.60 (EV $82.28B).
- Market cap $77.04B at $369.35 per share.
Price & Technicals
Price $369.35 — uptrend (above 200-DMA); 1-month momentum negative. RSI(14) 55.33.
- Price $369.35 — uptrend (above 200-DMA); 1-month momentum negative.
Macro & Rates
Risk-on · Supportive. Real GDP growth 1.50% (quarterly, as of Apr 1, 2026). CPI inflation +3.3% YoY. Fed funds rate 3.63%, 10Y Treasury 4.77%.
- 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 |
|---|---|---|
| CME Group Inc. CME | 32 | Neutral |
| Allstate Corp. ALL | 28 | Neutral |
| Mastercard Inc. MA | 27 | Neutral |
| Visa Inc. V | 24 | Neutral |
| Charles Schwab Corp. SCHW | 19 | Neutral |
| Capital One Financial COF | 19 | Neutral |
| Digital Realty Trust DLR | 11 | Neutral |
| U.S. Bancorp USB | 10 | Neutral |
| Simon Property Group SPG | 10 | Neutral |
| Chubb Ltd. CB | 8 | Neutral |
| Dominion Energy D | 8 | Neutral |
| Travelers Cos. TRV● you | 7 | Neutral |
| MetLife Inc. MET | 7 | Neutral |
| American Express Co. AXP | 5 | Neutral |
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