Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
Help & Tutorial 
Cancel anytime
- Chart
- Upturn Summary
- Highlights
- Revenue
- Valuation
Upturn AI SWOT - About
TRV 
The Travelers Companies Inc (TRV)
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- Pass (Skip investing)
Stock price based on last close (see disclosures)
- ALL
- 1Y
- 1M
- 1W
Upturn Advisory Summary
10/31/2025: TRV (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
23 Analysts rated it
Well-followed company, solid analyst reports, reliable data for confident investing.
1 Year Target Price $295
1 Year Target Price $295
| 3 | Strong Buy |
| 6 | Buy |
| 11 | Hold |
| 3 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 9.44% | Avg. Invested days 49 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 10/31/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 59.92B USD | Price to earnings Ratio 10.57 | 1Y Target Price 295 |
Price to earnings Ratio 10.57 | 1Y Target Price 295 | ||
Volume (30-day avg) 23 | Beta 0.52 | 52 Weeks Range 227.43 - 287.95 | Updated Date 11/2/2025 |
52 Weeks Range 227.43 - 287.95 | Updated Date 11/2/2025 | ||
Dividends yield (FY) 1.59% | Basic EPS (TTM) 25.41 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Revenue by Geography
Geography revenue - Year on Year
Earnings Date
Report Date 2025-10-16 | When Before Market | Estimate 5.58 | Actual 8.14 |
Profitability
Profit Margin 12.14% | Operating Margin (TTM) 19.69% |
Management Effectiveness
Return on Assets (TTM) 3.46% | Return on Equity (TTM) 19.81% |
Valuation
Trailing PE 10.57 | Forward PE 10.8 | Enterprise Value 70559480833 | Price to Sales(TTM) 1.24 |
Enterprise Value 70559480833 | Price to Sales(TTM) 1.24 | ||
Enterprise Value to Revenue 1.47 | Enterprise Value to EBITDA - | Shares Outstanding 223063417 | Shares Floating 221892334 |
Shares Outstanding 223063417 | Shares Floating 221892334 | ||
Percent Insiders 0.23 | Percent Institutions 87.53 |
Upturn AI SWOT
The Travelers Companies Inc
Company Overview
History and Background
The Travelers Companies, Inc. traces its roots back to 1853 with the founding of St. Paul Fire and Marine Insurance Company. The modern Travelers was formed in 2007 through the merger of The St. Paul Companies and Travelers Property Casualty Corp.
Core Business Areas
- Business Insurance: Provides a broad array of property and casualty insurance products and services to businesses of all sizes.
- Bond & Specialty Insurance: Offers surety, fidelity, and management and professional liability coverages.
- Personal Insurance: Provides a range of property and casualty insurance products and services to individuals, including auto, homeowners, and umbrella policies.
Leadership and Structure
Alan D. Schnitzer is the Chairman and Chief Executive Officer. The company operates with a functional structure, dividing operations into the aforementioned core business segments.
Top Products and Market Share
Key Offerings
- Commercial Auto Insurance: Provides coverage for vehicles used for business purposes. Travelers is a major player in this market, competing with companies such as Progressive (PGR) and The Hartford (HIG). Market share data is highly fragmented and varies by segment size and geography, making a precise overall percentage difficult to obtain.
- Workers' Compensation Insurance: Provides coverage for employee injuries and illnesses sustained on the job. Competitors include Liberty Mutual and AIG (AIG). Similar to commercial auto, market share is fragmented and precise figures are difficult to obtain.
- Homeowners Insurance: Provides coverage for damage or loss to a home and its contents. Competitors include State Farm, Allstate (ALL) and Progressive (PGR). Market share is subject to geographic variations.
Market Dynamics
Industry Overview
The property and casualty insurance industry is highly competitive and regulated. It is subject to economic cycles, natural disasters, and changing legal and regulatory environments.
Positioning
Travelers is a leading provider of property and casualty insurance, known for its strong distribution network and risk management expertise. Its competitive advantage lies in its established brand, strong relationships with independent agents, and diverse product offerings.
Total Addressable Market (TAM)
The global property and casualty insurance market is estimated at over $800 billion. Travelers is well-positioned within this TAM, leveraging its diversified product portfolio and extensive distribution network.
Upturn SWOT Analysis
Strengths
- Strong brand reputation
- Extensive distribution network
- Diversified product offerings
- Strong financial position
- Effective risk management
Weaknesses
- Exposure to catastrophic events
- Dependence on independent agents
- Susceptibility to economic cycles
- Complexity of insurance products
Opportunities
- Expansion into emerging markets
- Development of new insurance products
- Leveraging technology for improved efficiency
- Growing demand for cyber insurance
- Partnerships and acquisitions
Threats
- Increasing competition
- Changing regulatory environment
- Economic downturns
- Natural disasters
- Rising claims costs
- Disruptive technologies (e.g., Insurtech)
Competitors and Market Share
Key Competitors
- ALL
- PGR
- HIG
- AIG
Competitive Landscape
Travelers benefits from its diversified product offerings and strong distribution network, but faces intense competition from larger and more specialized players. The companyu2019s strengths are balanced by the inherent risks of the insurance industry, like large claim payouts and regulatory pressures.
Growth Trajectory and Initiatives
Historical Growth: Travelers' growth has been driven by organic expansion, strategic acquisitions, and effective risk management.
Future Projections: Analyst estimates vary, but generally project moderate growth for Travelers, driven by increased demand for insurance products and services.
Recent Initiatives: Recent strategic initiatives may include investments in technology, expansion into new markets, and product development.
Summary
The Travelers Companies Inc. is a reputable P&C insurance provider with a strong brand and established distribution. While they face industry competition and regulatory challenges, the company maintains a solid financial position. Growth is expected to be steady, driven by organic expansion and strategic initiatives. Potential risks, such as increasing claim costs, should be monitored.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company Filings (10-K, 10-Q)
- Industry Reports
- Financial News Articles
- Analyst Reports
Disclaimers:
This analysis is based on publicly available information and is for informational purposes only. It should not be considered financial advice. Market share figures are estimates and may vary based on data sources.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About The Travelers Companies Inc
Exchange NYSE | Headquaters New York, NY, United States | ||
IPO Launch date 1996-04-22 | Chairman & CEO Mr. Alan David Schnitzer J.D. | ||
Sector Financial Services | Industry Insurance - Property & Casualty | Full time employees 34000 | Website https://www.travelers.com |
Full time employees 34000 | Website https://www.travelers.com | ||
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 and internationally. The company 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, onshore and offshore energy, construction, terrorism, personal accident, and kidnap and ransom insurance products. This segment operates through select accounts, which serve small businesses; commercial accounts that serve mid-sized businesses; national accounts, which serve large companies; and national property and other 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 through independent agencies and brokers. The Travelers Companies, Inc. was founded in 1853 and is based in New York, New York.
Note: This website is maintained by Upturn Corporation, which is an investment adviser registered with the U.S. Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. Investing in securities has risks. Past performance is no guarantee of future returns. No assurance is provided as to any particular investment return, and you may lose money using our services. You are strongly advised to consult appropriate counsel before making any investments in companies you learn about through our services. You should obtain appropriate legal, tax, investment, accounting, and other advice that takes into account your investment portfolio and overall financial situation. You are solely responsible for conducting due diligence on a potential investment. We do not affect trades for you. You will select your own broker through which to transact. Investments are not FDIC insured, they are not guaranteed, and they may lose value. Please see the Privacy Policy, Terms of Use, and Disclosure for more information.