The Travelers Cos., Inc. is a holding company, which engages in the provision of commercial and personal property and casualty insurance products and services. It operates through the following business segments: Business Insurance; Bond and Specialty Insurance; and Personal Insurance. The Business Insurance segment offers a broad array of property and casualty insurance, and insurance related services to its customers. The Bond and Specialty Insurance segment includes surety, fidelity, management liability, professional liability, and other property and casualty coverage and related risk management services. The Personal Insurance segment consists of products of automobile and homeowners insurance are complemented by a broad suite of related coverages. The company was founded in 1853 and is headquartered in New York, NY.
Highlights
The equity has grown by 7% from the previous quarter and by 6% YoY
The company's net income fell by 32% YoY and by 25% QoQ
The company's EPS fell by 30% YoY and by 24% QoQ
Key stats
What are the main financial stats of TRV
Market
Shares outstanding
253.19M
Market cap
$30.36B
Enterprise value
$36.79B
Valuations
Price to earnings (P/E)
16.99
Price to book (P/B)
1.13
Price to sales (P/S)
0.96
EV/EBIT
14.85
EV/EBITDA
14.85
EV/Sales
1.17
Earnings
Revenue
$31.39B
EBIT
$2.48B
EBITDA
$2.48B
Free cash flow
$5.71B
Per share
EPS
$7.06
Free cash flow per share
$22.67
Book value per share
$106.56
Revenue per share
$124.74
TBVPS
$433.6
Balance sheet
Total assets
$113.34B
Total liabilities
$86.39B
Debt
$7.05B
Equity
$26.94B
Working capital
N/A
Liquidity
Debt to equity
0.26
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
2.59
Margins
EBITDA margin
7.9%
Gross margin
37%
Net margin
5.8%
Operating margin
7.9%
Efficiency
Return on assets
1.7%
Return on equity
7.1%
Return on invested capital
2.2%
Return on capital employed
N/A
Return on sales
7.9%
Dividend
Dividend yield
2.76%
DPS
$3.31
Payout ratio
46.9%
TRV stock price
How has the Travelers Companies stock price performed over time
Financial performance
How have Travelers Companies's revenue and profit performed over time
Revenue
$31.39B
Gross profit
$11.62B
Operating income
$2.48B
Net income
$1.83B
Gross margin
37%
Net margin
5.8%
TRV's net margin is down by 33% YoY and by 24% QoQ
The company's net income fell by 32% YoY and by 25% QoQ
TRV's operating margin is down by 31% YoY and by 23% QoQ
The operating income has declined by 30% year-on-year and by 23% since the previous quarter
Valuation
What is Travelers Companies stock price valuation
P/E
16.99
P/B
1.13
P/S
0.96
EV/EBIT
14.85
EV/EBITDA
14.85
EV/Sales
1.17
The company's EPS fell by 30% YoY and by 24% QoQ
TRV's P/E is 27% above its 5-year quarterly average of 13.4 and 19% above its last 4 quarters average of 14.3
TRV's price to book (P/B) is 19% lower than its 5-year quarterly average of 1.4 and 6% lower than its last 4 quarters average of 1.2
The equity has grown by 7% from the previous quarter and by 6% YoY
TRV's price to sales (P/S) is 20% less than its 5-year quarterly average of 1.2 and 4% less than its last 4 quarters average of 1.0
Efficiency
How efficient is Travelers Companies business performance
Travelers Companies's ROE has decreased by 37% YoY and by 25% from the previous quarter
The ROIC has decreased by 33% YoY and by 24% from the previous quarter
Travelers Companies's return on assets has decreased by 32% YoY and by 23% QoQ
The company's return on sales fell by 31% YoY and by 23% QoQ
Dividends
What is TRV's dividend history
DPS
$3.31
Dividend yield
2.76%
Payout ratio
46.9%
Recent dividends
Financial health
How did Travelers Companies financials performed over time
The total assets is 31% more than the total liabilities
The total assets has increased by 4.4% YoY and by 3.6% from the previous quarter
TRV's total liabilities is up by 3.8% YoY and by 2.6% QoQ
TRV's debt is 74% lower than its equity
TRV's debt is up by 8% QoQ and by 8% YoY
The equity has grown by 7% from the previous quarter and by 6% YoY
All financial data is based on trailing twelve months (TTM) periods - updated
quarterly, unless otherwise specified.