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Travelers (TRV) Stock Analysis

This is a peer-relative look at Travelers (TRV): its performance, risk, profitability, growth, financial strength, dividend, and valuation are each measured against its Insurance peers, so every number reads in context rather than in isolation.

Company Profile

Company profile fields for Travelers (TRV)
Profile ItemTRV
NameThe Travelers Companies, Inc.
Country/RegionUnited States
GICS SectorFinancials
GICS Industry GroupInsurance
GICS IndustryInsurance
GICS Sub-IndustryProperty & Casualty Insurance
Market Capitalization81.61 billion USD
CurrencyUSD
ExchangeNYSE
Listing DateNovember 17, 1975
Security TypeCommon Stock

Price Performance

Cumulative Growth

TRV
GSPC
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Travelers (TRV) vs. S&P 500 (GSPC): Growth of a $10,000 investment over the past five years. Adjusted for dividends and splits.

Trailing Returns

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Trailing total returns for Travelers (TRV) and S&P 500 (GSPC). Returns over one year are annualized.

Calendar-Year Returns

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Calendar-year total returns for Travelers (TRV) and S&P 500 (GSPC). Each bar is that year's total return, measured year-end to year-end.

Performance Metrics

Travelers (TRV) metric values compared with Insurance industry-group medians
MetricCurrent stock: TRVIndustry group median
Total Return (1Y)50.27%14.94%
Total Return (3Y, Annualized)38.08%18.12%
Total Return (5Y, Annualized)21.95%9.96%

Risk Profile

Drawdown History

TRV
GSPC
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Travelers (TRV) vs. S&P 500 (GSPC): Drawdown from the running peak over the past five years. Each line shows the decline from its prior peak; 0% marks a new high.

Return Distribution

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Distribution of monthly total returns for Travelers (TRV) and S&P 500 (GSPC). Each bar is the share of months whose return fell in that 5% bucket.

Risk Metrics

Travelers (TRV) metric values compared with Insurance industry-group medians
MetricCurrent stock: TRVIndustry group median
Volatility (1Y, Annualized)20.68%28.33%
Beta (5Y)0.410.52
Max Drawdown (5Y)-18.90%-37.87%

Risk-Adjusted Performance

Risk-Return Positioning

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Each dot is a stock plotted by 1-year volatility (risk) and 1-year return. TRV is highlighted; the dashed line is the Capital Allocation Line from the risk-free rate through the industry median — dots above it are stronger on a risk-adjusted basis.

Risk-Adjusted Metrics

Travelers (TRV) metric values compared with Insurance industry-group medians
MetricCurrent stock: TRVIndustry group median
Sharpe Ratio (1Y)2.220.42
Sortino Ratio (1Y)3.830.62

Profitability

ROE (TTM)

Travelers (TRV) posts ROE of 27.50%, in the upper peer quartile. That suggests the company earns more from each dollar of shareholders’ equity than most industry peers, a useful capital-efficiency signal.

TRV

Insurance industry group

27.50%

Group distribution
Max
38.99%
TRV
27.50%
Q3
22.12%
Median
14.68%
Q1
10.07%
Min
-3.97%
Largest peers
AON
44.70%
PGR
33.24%
TRV
27.50%
MRSH
27.24%
CB
14.25%
MFC
13.31%
AJG
6.72%
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Where Travelers (TRV) stands on ROE within its Insurance peer group — the box is the group’s distribution and the dots its largest members.

Net Margin (TTM)

Travelers (TRV) keeps 17.03% of revenue as net profit, roughly in line with the peer group’s normal net margin range. Its full cost stack is taking a typical share of sales for the industry.

TRV

Insurance industry group

17.03%

Group distribution
Max
37.68%
Q3
18.79%
TRV
17.03%
Median
11.13%
Q1
5.69%
Min
-10.79%
Largest peers
AON
22.27%
MFC
20.31%
CB
18.12%
TRV
17.03%
MRSH
14.20%
PGR
12.67%
AJG
10.38%
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Where Travelers (TRV) stands on net margin within its Insurance peer group — the box is the group’s distribution and the dots its largest members.

Operating Margin (TTM)

operating margin is set aside for Travelers (TRV) in Insurance: the operating-income line is not a clean boundary for this business model, so net margin, ROE, FFO, or industry-specific measures may be more useful.

Profitability Metrics

Travelers (TRV) metric values compared with Insurance industry-group medians
MetricCurrent stock: TRVIndustry group median
ROE (TTM)27.50%14.68%
ROA (TTM)4.73%3.09%
Net Margin (TTM)17.03%11.13%
Operating Margin (TTM)----
Gross Margin (TTM)----

Growth

Revenue Growth

Travelers (TRV) grew revenue 5.17%, roughly around the peer group's normal range. Top-line momentum looks broadly typical for the industry.

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Travelers (TRV): Revenue Growth across different time periods, set against Insurance industry-group medians.

EPS Growth

Travelers (TRV) grew earnings per share 27.76%, roughly around the peer group's normal range. Bottom-line momentum looks broadly typical for the industry.

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Travelers (TRV): EPS Growth across different time periods, set against Insurance industry-group medians.

Growth Metrics

Travelers (TRV) metric values compared with Insurance industry-group medians
MetricCurrent stock: TRVIndustry group median
Revenue Growth (YoY)5.17%8.02%
Revenue Growth (3Y CAGR)9.79%11.40%
EPS Growth (YoY)27.76%23.05%
EPS Growth (3Y CAGR)32.58%18.46%

Financial Strength

Current Ratio (MRQ)

current ratio is set aside for Travelers (TRV) in Insurance: these balance sheets are not best read through a current/non-current split, so regulatory, funding, or liquidity-coverage measures usually matter more.

Debt / Equity (MRQ)

debt-to-equity ratio is set aside for Travelers (TRV) in Insurance: leverage is part of the business model itself, so capital adequacy, funding mix, and regulatory measures are usually better risk gauges.

Financial Strength Metrics

Travelers (TRV) metric values compared with Insurance industry-group medians
MetricCurrent stock: TRVIndustry group median
Current Ratio (MRQ)----
Debt / Equity (MRQ)----
Net Debt / EBITDA----

Dividends

Dividend Yield (TTM)

Travelers (TRV) has dividend yield of 1.16%, in the industry’s normal income range. It provides a meaningful dividend without the red flag of an unusually high headline yield.

TRV

Insurance industry group

1.16%

Group distribution
Max
5.12%
Q3
2.25%
TRV
1.16%
Median
1.14%
Q1
0.00%
Min
0.00%
Largest peers
MFC
4.06%
MRSH
1.90%
TRV
1.16%
CB
1.09%
AJG
1.00%
AON
1.00%
PGR
0.04%
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Where Travelers (TRV) stands on dividend yield within its Insurance peer group — the box is the group’s distribution and the dots its largest members.

Dividend Payout Ratio (TTM)

Travelers (TRV) has payout ratio of 12.36%, within the industry’s typical payout band. The dividend shares profits with investors while leaving earnings coverage that looks normal for the peer group.

TRV

Insurance industry group

12.36%

Group distribution
Max
78.97%
Q3
35.81%
Median
16.14%
TRV
12.36%
Q1
0.00%
Min
0.00%
Largest peers
PGR
69.71%
MFC
50.14%
AJG
44.78%
MRSH
44.14%
AON
16.84%
CB
13.92%
TRV
12.36%
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Where Travelers (TRV) stands on payout ratio within its Insurance peer group — the box is the group’s distribution and the dots its largest members.

Dividend Metrics

Travelers (TRV) metric values compared with Insurance industry-group medians
MetricCurrent stock: TRVIndustry group median
Dividend Yield (TTM)1.16%1.14%
Dividend Payout Ratio (TTM)12.36%16.14%

Valuation

P/E Ratio (TTM)

Travelers (TRV) trades at P/E ratio of 10.47, near the industry’s usual earnings multiple. The stock is not showing a clear peer discount or premium on trailing earnings.

TRV

Insurance industry group

10.47

Group distribution
Max
30.74
Q3
18.50
Median
11.83
TRV
10.47
Q1
8.70
Min
2.58
Largest peers
AJG
44.45
MRSH
23.62
AON
16.73
MFC
16.58
CB
12.45
PGR
11.49
TRV
10.47
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Where Travelers (TRV) stands on P/E ratio within its Insurance peer group — the box is the group’s distribution and the dots its largest members.

P/S Ratio (TTM)

Travelers (TRV) trades at 1.67 on P/S ratio, roughly in the peer group’s normal range. The market is not making a strong cheap-or-rich statement about its revenue base.

TRV

Insurance industry group

1.67

Group distribution
Max
4.55
Q3
2.41
TRV
1.67
Median
1.30
Q1
0.87
Min
0.07
Largest peers
AJG
4.55
AON
3.66
MRSH
3.30
MFC
2.21
CB
2.21
TRV
1.67
PGR
1.44
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Where Travelers (TRV) stands on P/S ratio within its Insurance peer group — the box is the group’s distribution and the dots its largest members.

P/B Ratio (MRQ)

Travelers (TRV) trades at 2.81 on P/B ratio, roughly in line with the industry’s normal price-to-book range. Its balance sheet is not being priced at a clear discount or premium versus peers.

TRV

Insurance industry group

2.81

Group distribution
Max
5.37
Q3
2.90
TRV
2.81
Median
1.86
Q1
1.22
Min
0.38
Largest peers
AON
6.70
MRSH
6.40
PGR
3.83
AJG
2.90
TRV
2.81
MFC
2.04
CB
1.86
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Where Travelers (TRV) stands on P/B ratio within its Insurance peer group — the box is the group’s distribution and the dots its largest members.

Valuation Metrics

Travelers (TRV) metric values compared with Insurance industry-group medians
MetricCurrent stock: TRVIndustry group median
P/E Ratio (TTM)10.4711.83
P/S Ratio (TTM)1.671.30
P/B Ratio (MRQ)2.811.86
Free Cash Flow Yield (TTM)----