TRV vs. WRB: A Head-to-Head Stock Comparison

Updated on October 11, 2025

Here’s a clear look at TRV and WRB, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.

Company Profile

Symbol	TRV	WRB
Company Name	The Travelers Companies, Inc.	W. R. Berkley Corporation
Country	United States	United States
GICS Sector	Financials	Financials
GICS Industry	Insurance	Insurance
Market Capitalization	63.66 billion USD	29.52 billion USD
Exchange	NYSE	NYSE
Listing Date	November 17, 1975	October 23, 1973
Security Type	Common Stock	Common Stock

Historical Performance

This chart compares the performance of TRV and WRB by tracking the growth of an initial $10,000 investment in each. Use the tabs to select the desired time period. Data is adjusted for dividends and splits.

TRV vs. WRB: Growth of a $10,000 investment over the past one year.

Historical Performance at a Glance

Symbol	TRV	WRB
5-Day Price Return	0.97%	2.18%
13-Week Price Return	10.75%	11.60%
26-Week Price Return	7.47%	10.74%
52-Week Price Return	25.13%	37.82%
Month-to-Date Return	1.27%	1.59%
Year-to-Date Return	17.38%	33.01%
10-Day Avg. Volume	0.87M	1.95M
3-Month Avg. Volume	1.19M	1.91M
3-Month Volatility	18.17%	15.94%
Beta	0.57	0.40

Profitability

Return on Equity (TTM)

TRV

18.53%

Insurance Industry

Max: 30.96%
Q3: 18.76%
Median: 14.22%
Q1: 10.34%
Min: 1.73%

TRV’s Return on Equity of 18.53% is on par with the norm for the Insurance industry, indicating its profitability relative to shareholder equity is typical for the sector.

WRB

20.10%

Insurance Industry

Max: 30.96%
Q3: 18.76%
Median: 14.22%
Q1: 10.34%
Min: 1.73%

In the upper quartile for the Insurance industry, WRB’s Return on Equity of 20.10% signals a highly effective use of shareholder capital to drive profitability compared to most of its peers.

TRV vs. WRB: A comparison of their Return on Equity (TTM) against the Insurance industry benchmark.

Net Profit Margin (TTM)

TRV

10.96%

Insurance Industry

Max: 26.78%
Q3: 14.69%
Median: 9.87%
Q1: 6.59%
Min: -3.51%

TRV’s Net Profit Margin of 10.96% is aligned with the median group of its peers in the Insurance industry. This indicates its ability to convert revenue into profit is typical for the sector.

WRB

12.32%

Insurance Industry

Max: 26.78%
Q3: 14.69%
Median: 9.87%
Q1: 6.59%
Min: -3.51%

WRB’s Net Profit Margin of 12.32% is aligned with the median group of its peers in the Insurance industry. This indicates its ability to convert revenue into profit is typical for the sector.

TRV vs. WRB: A comparison of their Net Profit Margin (TTM) against the Insurance industry benchmark.

Operating Profit Margin (TTM)

TRV

14.43%

Insurance Industry

Max: 34.52%
Q3: 20.17%
Median: 14.46%
Q1: 9.62%
Min: -2.51%

In the Insurance industry, Operating Profit Margin is often not the primary measure of operational efficiency.

WRB

16.84%

Insurance Industry

Max: 34.52%
Q3: 20.17%
Median: 14.46%
Q1: 9.62%
Min: -2.51%

In the Insurance industry, Operating Profit Margin is often not the primary measure of operational efficiency.

TRV vs. WRB: A comparison of their Operating Profit Margin (TTM) against the Insurance industry benchmark.

Profitability at a Glance

Symbol	TRV	WRB
Return on Equity (TTM)	18.53%	20.10%
Return on Assets (TTM)	3.87%	4.27%
Net Profit Margin (TTM)	10.96%	12.32%
Operating Profit Margin (TTM)	14.43%	16.84%
Gross Profit Margin (TTM)	--	--

Financial Strength

Current Ratio (MRQ)

TRV

1.00

Insurance Industry

Max: 2.97
Q3: 1.37
Median: 0.54
Q1: 0.15
Min: 0.00

For the Insurance industry, the Current Ratio is often not the most suitable measure of short-term liquidity.

WRB

0.92

Insurance Industry

Max: 2.97
Q3: 1.37
Median: 0.54
Q1: 0.15
Min: 0.00

For the Insurance industry, the Current Ratio is often not the most suitable measure of short-term liquidity.

TRV vs. WRB: A comparison of their Current Ratio (MRQ) against the Insurance industry benchmark.

Debt-to-Equity Ratio (MRQ)

TRV

0.27

Insurance Industry

Max: 1.25
Q3: 0.65
Median: 0.34
Q1: 0.23
Min: 0.00

The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Insurance industry.

WRB

0.31

Insurance Industry

Max: 1.25
Q3: 0.65
Median: 0.34
Q1: 0.23
Min: 0.00

The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Insurance industry.

TRV vs. WRB: A comparison of their Debt-to-Equity Ratio (MRQ) against the Insurance industry benchmark.

Interest Coverage Ratio (TTM)

TRV

16.77

Insurance Industry

Max: 43.68
Q3: 21.45
Median: 9.67
Q1: 3.55
Min: -5.73

The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Insurance industry.

WRB

18.84

Insurance Industry

Max: 43.68
Q3: 21.45
Median: 9.67
Q1: 3.55
Min: -5.73

The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Insurance industry.

TRV vs. WRB: A comparison of their Interest Coverage Ratio (TTM) against the Insurance industry benchmark.

Financial Strength at a Glance

Symbol	TRV	WRB
Current Ratio (MRQ)	1.00	0.92
Quick Ratio (MRQ)	1.00	0.92
Debt-to-Equity Ratio (MRQ)	0.27	0.31
Interest Coverage Ratio (TTM)	16.77	18.84

Growth

Revenue Growth

TRV vs. WRB: A side-by-side comparison of their Revenue Growth for the MRQ (YoY), TTM (YoY), 3-Year CAGR, and 5-Year CAGR periods.

EPS Growth

TRV vs. WRB: A side-by-side comparison of their EPS Growth for the MRQ (YoY), TTM (YoY), 3-Year CAGR, and 5-Year CAGR periods.

Dividend

Dividend Yield (TTM)

TRV

1.51%

Insurance Industry

Max: 9.80%
Q3: 5.18%
Median: 3.58%
Q1: 2.07%
Min: 0.00%

TRV’s Dividend Yield of 1.51% is in the lower quartile for the Insurance industry. This suggests the company’s strategy likely favors retaining earnings for growth over providing a high dividend income.

WRB

2.04%

Insurance Industry

Max: 9.80%
Q3: 5.18%
Median: 3.58%
Q1: 2.07%
Min: 0.00%

WRB’s Dividend Yield of 2.04% is in the lower quartile for the Insurance industry. This suggests the company’s strategy likely favors retaining earnings for growth over providing a high dividend income.

TRV vs. WRB: A comparison of their Dividend Yield (TTM) against the Insurance industry benchmark.

Dividend Payout Ratio (TTM)

TRV

18.45%

Insurance Industry

Max: 169.40%
Q3: 85.57%
Median: 53.26%
Q1: 23.68%
Min: 0.00%

TRV’s Dividend Payout Ratio of 18.45% is in the lower quartile for the Insurance industry. This suggests a conservative dividend policy, with a strategic focus on reinvesting profits for future growth.

WRB

34.10%

Insurance Industry

Max: 169.40%
Q3: 85.57%
Median: 53.26%
Q1: 23.68%
Min: 0.00%

WRB’s Dividend Payout Ratio of 34.10% is within the typical range for the Insurance industry, suggesting a balanced approach between shareholder payouts and company reinvestment.

TRV vs. WRB: A comparison of their Dividend Payout Ratio (TTM) against the Insurance industry benchmark.

Dividend at a Glance

Symbol	TRV	WRB
Dividend Yield (TTM)	1.51%	2.04%
Dividend Payout Ratio (TTM)	18.45%	34.10%

Valuation

Price-to-Earnings Ratio (TTM)

TRV

12.25

Insurance Industry

Max: 30.75
Q3: 18.11
Median: 12.67
Q1: 9.66
Min: 2.87

TRV’s P/E Ratio of 12.25 is within the middle range for the Insurance industry. This suggests its valuation is in line with the sector average, representing neither a significant premium nor a discount compared to its peers.

WRB

16.73

Insurance Industry

Max: 30.75
Q3: 18.11
Median: 12.67
Q1: 9.66
Min: 2.87

WRB’s P/E Ratio of 16.73 is within the middle range for the Insurance industry. This suggests its valuation is in line with the sector average, representing neither a significant premium nor a discount compared to its peers.

TRV vs. WRB: A comparison of their Price-to-Earnings Ratio (TTM) against the Insurance industry benchmark.

Price-to-Sales Ratio (TTM)

TRV

1.34

Insurance Industry

Max: 3.41
Q3: 1.88
Median: 1.22
Q1: 0.80
Min: 0.23

TRV’s P/S Ratio of 1.34 aligns with the market consensus for the Insurance industry. This suggests its valuation, based on sales, is seen as standard and is on par with its competitors.

WRB

2.06

Insurance Industry

Max: 3.41
Q3: 1.88
Median: 1.22
Q1: 0.80
Min: 0.23

WRB’s P/S Ratio of 2.06 is in the upper echelon for the Insurance industry. This means the company is valued richly on its revenue stream compared to its peers, suggesting the stock is priced for a high level of future performance.

TRV vs. WRB: A comparison of their Price-to-Sales Ratio (TTM) against the Insurance industry benchmark.

Price-to-Book Ratio (MRQ)

TRV

2.04

Insurance Industry

Max: 4.57
Q3: 2.56
Median: 1.88
Q1: 1.20
Min: 0.17

TRV’s P/B Ratio of 2.04 is within the conventional range for the Insurance industry. This shows a balanced market view, where the stock’s price is neither at a significant premium nor a discount to the book value of its peers.

WRB

3.00

Insurance Industry

Max: 4.57
Q3: 2.56
Median: 1.88
Q1: 1.20
Min: 0.17

WRB’s P/B Ratio of 3.00 is in the upper tier for the Insurance industry. This indicates that investors are paying a premium relative to the company’s net assets, a valuation that hinges on its ability to generate superior profits.

TRV vs. WRB: A comparison of their Price-to-Book Ratio (MRQ) against the Insurance industry benchmark.

Valuation at a Glance

Symbol	TRV	WRB
Price-to-Earnings Ratio (TTM)	12.25	16.73
Price-to-Sales Ratio (TTM)	1.34	2.06
Price-to-Book Ratio (MRQ)	2.04	3.00
Price-to-Free Cash Flow Ratio (TTM)	6.67	8.67