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

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

Company Profile

SymbolTRVWTM
Company NameThe Travelers Companies, Inc.White Mountains Insurance Group, Ltd.
CountryUnited StatesBermuda
GICS SectorFinancialsFinancials
GICS IndustryInsuranceInsurance
Market Capitalization61.77 billion USD4.73 billion USD
ExchangeNYSENYSE
Listing DateNovember 17, 1975October 23, 1985
Security TypeCommon StockCommon Stock

Historical Performance

This chart compares the performance of TRV and WTM 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. WTM: Growth of a $10,000 investment over the past one year.

Historical Performance at a Glance

SymbolTRVWTM
5-Day Price Return2.16%-0.40%
13-Week Price Return-0.05%1.15%
26-Week Price Return12.91%0.15%
52-Week Price Return25.32%2.52%
Month-to-Date Return5.44%2.75%
Year-to-Date Return13.91%-5.56%
10-Day Avg. Volume1.19M0.03M
3-Month Avg. Volume1.25M0.02M
3-Month Volatility20.73%21.34%
Beta0.530.35

Profitability

Return on Equity (TTM)

TRV

18.53%

Insurance Industry

Max
29.03%
Q3
18.11%
Median
13.90%
Q1
10.42%
Min
-0.64%

In the upper quartile for the Insurance industry, TRV’s Return on Equity of 18.53% signals a highly effective use of shareholder capital to drive profitability compared to most of its peers.

WTM

0.62%

Insurance Industry

Max
29.03%
Q3
18.11%
Median
13.90%
Q1
10.42%
Min
-0.64%

WTM’s Return on Equity of 0.62% is in the lower quartile for the Insurance industry. This indicates a less efficient generation of profit from its equity base when compared to its competitors.

TRV vs. WTM: 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
14.06%
Median
9.15%
Q1
5.48%
Min
-7.05%

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.

WTM

1.22%

Insurance Industry

Max
26.78%
Q3
14.06%
Median
9.15%
Q1
5.48%
Min
-7.05%

Falling into the lower quartile for the Insurance industry, WTM’s Net Profit Margin of 1.22% indicates weaker profitability. This means the company retains a smaller portion of each dollar in sales as profit compared to its competitors.

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

Operating Profit Margin (TTM)

TRV

14.43%

Insurance Industry

Max
35.49%
Q3
19.49%
Median
14.35%
Q1
8.53%
Min
-5.25%

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

WTM

14.64%

Insurance Industry

Max
35.49%
Q3
19.49%
Median
14.35%
Q1
8.53%
Min
-5.25%

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

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

Profitability at a Glance

SymbolTRVWTM
Return on Equity (TTM)18.53%0.62%
Return on Assets (TTM)3.87%0.27%
Net Profit Margin (TTM)10.96%1.22%
Operating Profit Margin (TTM)14.43%14.64%
Gross Profit Margin (TTM)----

Financial Strength

Current Ratio (MRQ)

TRV

1.00

Insurance Industry

Max
2.97
Q3
1.33
Median
0.55
Q1
0.15
Min
0.00

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

WTM

0.01

Insurance Industry

Max
2.97
Q3
1.33
Median
0.55
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. WTM: 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
0.22
Min
0.00

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

WTM

0.15

Insurance Industry

Max
1.25
Q3
0.65
Median
0.34
Q1
0.22
Min
0.00

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

TRV vs. WTM: 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
20.84
Median
9.56
Q1
3.34
Min
-5.73

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

WTM

2.81

Insurance Industry

Max
43.68
Q3
20.84
Median
9.56
Q1
3.34
Min
-5.73

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

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

Financial Strength at a Glance

SymbolTRVWTM
Current Ratio (MRQ)1.000.01
Quick Ratio (MRQ)1.000.01
Debt-to-Equity Ratio (MRQ)0.270.15
Interest Coverage Ratio (TTM)16.772.81

Growth

Revenue Growth

TRV vs. WTM: 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. WTM: 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

1.58%

Insurance Industry

Max
8.23%
Q3
4.54%
Median
3.42%
Q1
1.97%
Min
0.00%

TRV’s Dividend Yield of 1.58% 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.

WTM

0.06%

Insurance Industry

Max
8.23%
Q3
4.54%
Median
3.42%
Q1
1.97%
Min
0.00%

WTM’s Dividend Yield of 0.06% 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. WTM: A comparison of their Dividend Yield (TTM) against the Insurance industry benchmark.

Dividend Payout Ratio (TTM)

TRV

18.45%

Insurance Industry

Max
168.02%
Q3
85.57%
Median
50.71%
Q1
22.04%
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.

WTM

7.67%

Insurance Industry

Max
168.02%
Q3
85.57%
Median
50.71%
Q1
22.04%
Min
0.00%

WTM’s Dividend Payout Ratio of 7.67% 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.

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

Dividend at a Glance

SymbolTRVWTM
Dividend Yield (TTM)1.58%0.06%
Dividend Payout Ratio (TTM)18.45%7.67%

Valuation

Price-to-Earnings Ratio (TTM)

TRV

11.71

Insurance Industry

Max
28.91
Q3
17.76
Median
13.63
Q1
10.02
Min
2.89

TRV’s P/E Ratio of 11.71 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.

WTM

163.73

Insurance Industry

Max
28.91
Q3
17.76
Median
13.63
Q1
10.02
Min
2.89

At 163.73, WTM’s P/E Ratio is exceptionally high, exceeding the typical maximum for the Insurance industry. This suggests the stock may be significantly overvalued compared to its peers and implies high market expectations that could be difficult to meet.

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

Price-to-Sales Ratio (TTM)

TRV

1.28

Insurance Industry

Max
3.72
Q3
1.98
Median
1.23
Q1
0.81
Min
0.23

TRV’s P/S Ratio of 1.28 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.

WTM

2.00

Insurance Industry

Max
3.72
Q3
1.98
Median
1.23
Q1
0.81
Min
0.23

WTM’s P/S Ratio of 2.00 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. WTM: 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
4.37
Q3
2.48
Median
1.68
Q1
1.19
Min
0.19

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.

WTM

1.10

Insurance Industry

Max
4.37
Q3
2.48
Median
1.68
Q1
1.19
Min
0.19

WTM’s P/B Ratio of 1.10 is in the lower quartile for the Insurance industry. From a value investing perspective, this is favorable, as it suggests the stock is trading at a discount to its net asset value and may offer a greater margin of safety.

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

Valuation at a Glance

SymbolTRVWTM
Price-to-Earnings Ratio (TTM)11.71163.73
Price-to-Sales Ratio (TTM)1.282.00
Price-to-Book Ratio (MRQ)2.041.10
Price-to-Free Cash Flow Ratio (TTM)6.387.78