Is Travelers Companies (TRV) overvalued or fairly valued?

MarketChacha shows Travelers Companies's valuation in context — a trailing P/E of about 11.3, a forward P/E of about 12.3, a price-to-book of about 2.3 — alongside its revenue and profit growth and whether reported profit converts into operating cash, so you can judge value for yourself. MarketChacha does not issue ratings, price targets, or buy/sell advice.

Does Travelers Companies's reported profit turn into cash?

Over 3 years, operating cash flow fully covered reported profit — earnings are backed by real cash. MarketChacha computes this cash-conversion check (1.92×) from reported figures — education, not a rating.

What is Travelers Companies's revenue?

Travelers Companies reported revenue of $48.8B for FY2025, with net profit of $6.3B, per official filings.

What is the share price of Travelers Companies (TRV)?

Travelers Companies last traded at $370.80 (-0.9% on the day), as of 9/4/2026 — a delayed quote shown for education, not investment advice.

Travelers Companies

TRV · NYSE · Financials · United States

Snapshot

TickerTRV

ExchangeNYSE

SectorFinancials

IndustryInsurance - Property & Casualty

CountryUnited States

Employees34,000

HeadquartersNew York, United States

Websitewww.travelers.com

Filings tracked14

About Travelers Companies

The Travelers Companies, Inc., through its subsidiaries, provides a range of commercial and personal property, and casualty insurance products and services to businesses, government units, associations, and individuals in the United States, Canada, and internationally. It operates through three segments: Business Insurance, Bond & Specialty Insurance, and Personal Insurance. The Business Insurance segment offers workers' compensation, commercial automobile and property, general liability, commercial multi-peril, employers' liability, public and product liability, professional indemnity, marine, aviation, commercial property and automobile, onshore and offshore energy, construction, terrorism, personal accident, and kidnap and ransom insurance products. This segment operates through select accounts, which serve small businesses; middle accounts that serve mid-sized businesses; national accounts, which serve large companies; and national property and others that serve large and mid-sized customers, commercial trucking industry, and agricultural businesses, as well as markets and distributes its products through brokers, wholesale agents, and program managers. The Bond & Specialty Insurance segment provides surety, fidelity, management and professional liability, and other property and casualty coverages and related risk management services through independent agencies and brokers. The Personal Insurance segment offers property and casualty insurance covering personal risks, primarily automobile and homeowners' insurance to individuals. The Travelers Companies, Inc. was founded in 1853 and is based in New York, New York.

Who owns it

Insiders0.3%
Institutions91.5%
Public & other8.2%

2,392 institutional holders

Ownership breakdown from public market data.

Top holders

Blackrock Inc.10.04%
State Street Corporation7.53%
Vanguard Capital Management LLC6.66%
FMR, LLC4.93%
Vanguard Portfolio Management LLC3.99%
Geode Capital Management, LLC3.03%
Massachusetts Financial Services Co.2.03%
Morgan Stanley1.83%

Largest institutional holders — last updated 6/30/2026.

Forensic scorecard

No major accounting red flags in the fundamentals we have — profit is backed by cash and returns look healthy.

Cash conversion1.92×

Over 3 years, operating cash flow fully covered reported profit — earnings are backed by real cash.

Net margin trend7.2% → 12.9%

Margin has expanded by about 5.6 points — the business is getting more profitable.

Return on equity19.1%

Latest ROE of 19.1% — capital is generating a healthy return.

Growth qualityrev 9% · PAT 45%

Profit growth is broadly tracking revenue growth — the earnings trend looks operational rather than one-off.

Computed by MarketChacha from reported figures (SEC XBRL). Education, not a rating or recommendation.

What's expected next

Next quarter

Rev $11.0B · EPS 9.62

Est. earnings growth -13.5%

Next fiscal year

Rev $44.7B · EPS 30.21

Est. earnings growth -11.3%

Analyst consensus estimates — not the company's own guidance.

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P/E ROE ROCE Margins Market cap

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Financials at a glance

Source: SEC XBRL

Annual

Quarterly · last 8

Revenue (FY2025)

$48.8B

Net margin

12.9%

ROE

19.1%

Revenue CAGR (2y)

+8.6%

Profit CAGR (2y)

+45.0%

EPS (FY2025)

27.43

Net profit (FY2025)

$6.3B

Ask MarketChacha about TRV

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Financials

Yearly

Period	Revenue	Net profit	EPS	Net margin	ROE
FY2025	$48.8B	$6.3B	27.43	12.9%	19.1%
FY2024	$46.4B	$5.0B	21.47	10.8%	17.9%
FY2023	$41.4B	$3.0B	12.79	7.2%	12.0%

Quarterly

Period	Revenue	Net profit	EPS	Net margin
2026Q2	$12.2B	$2.2B	10.26	18.2%
2026Q1	$11.9B	$1.7B	7.78	14.3%
2025Q3	$12.5B	$1.9B	8.24	15.1%
2025Q2	$12.1B	$1.5B	6.53	12.5%
2025Q1	$11.8B	$395.0M	1.70	3.3%
2024Q3	$11.9B	$1.3B	5.42	10.6%
2024Q2	$11.3B	$534.0M	2.29	4.7%
2024Q1	$11.2B	$1.1B	4.80	10.0%
2023Q3	$10.6B	$404.0M	1.74	3.8%
2023Q2	$10.1B	$-14.0M	-0.07	-0.1%
2023Q1	$9.7B	$975.0M	4.13	10.0%

Figures as reported, in reporting currency. Source: SEC XBRL.

Filings & announcements

2026

8-K — Executive/director change
SEC8/7/2026material
8-K — Other events, Exhibits
SEC7/24/2026material
8-K — Results of operations, Exhibits
SEC7/17/2026material
10-Q filing
SEC7/17/2026
8-K — Executive/director change, Shareholder vote results, Exhibits
SEC5/22/2026material
8-K — Other events, Exhibits
SEC5/21/2026material
8-K — Results of operations, Exhibits
SEC4/16/2026material
10-Q filing
SEC4/16/2026
8-K — Executive/director change, Reg FD disclosure, Exhibits
SEC2/17/2026material
10-K filing
SEC2/12/2026
8-K — Executive/director change
SEC2/6/2026material
8-K — Results of operations, Exhibits
SEC1/21/2026material

2025

8-K — Results of operations, Exhibits
SEC10/16/2025material
10-Q filing
SEC10/16/2025

In the news

Education and discussion only — not investment advice. Financials from official filings (SEC/BSE) and reported company statements; market figures (delayed market data) are delayed and shown for reference only. Verify with the linked sources before acting.