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
- YEAR
- MONTH
- WEEK
Upturn Advisory Summary
08/28/2025: TRV (2-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Number of Analysts
23 Analysts rated it
Well-followed company, solid analyst reports, reliable data for confident investing.
1 Year Target Price $290.7
1 Year Target Price $290.7
| 3 | Strong Buy |
| 6 | Buy |
| 11 | Hold |
| 3 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 12.45% | Avg. Invested days 44 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 08/28/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 61.13B USD | Price to earnings Ratio 12 | 1Y Target Price 290.7 |
Price to earnings Ratio 12 | 1Y Target Price 290.7 | ||
Volume (30-day avg) 23 | Beta 0.53 | 52 Weeks Range 221.86 - 279.04 | Updated Date 08/29/2025 |
52 Weeks Range 221.86 - 279.04 | Updated Date 08/29/2025 | ||
Dividends yield (FY) 1.57% | Basic EPS (TTM) 22.62 |
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 - | When - | Estimate - | Actual - |
Profitability
Profit Margin 10.97% | Operating Margin (TTM) 16.34% |
Management Effectiveness
Return on Assets (TTM) 3.22% | Return on Equity (TTM) 19.29% |
Valuation
Trailing PE 12 | Forward PE 15.8 | Enterprise Value 68362174545 | Price to Sales(TTM) 1.28 |
Enterprise Value 68362174545 | Price to Sales(TTM) 1.28 | ||
Enterprise Value to Revenue 1.43 | Enterprise Value to EBITDA - | Shares Outstanding 225134000 | Shares Floating 223963145 |
Shares Outstanding 225134000 | Shares Floating 223963145 | ||
Percent Insiders 0.23 | Percent Institutions 86.47 |
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 Travelers Insurance Company was founded in 1864. Through mergers and acquisitions, it evolved into the modern Travelers, a leading provider of property and casualty insurance.
Core Business Areas
- Business Insurance: Provides a broad array of property and casualty coverages and risk management services to businesses of all sizes, primarily in the United States, Canada, and the United Kingdom. Key products include workers' compensation, commercial auto, and general liability insurance.
- Bond & Specialty Insurance: Offers surety, fidelity, management liability, professional liability, and other coverages, primarily in the United States, Canada, and the United Kingdom. Serves a variety of customers, including contractors, financial institutions, and public entities.
- Personal Insurance: Provides a range of property and casualty insurance products to individuals, primarily in the United States. Key products include homeowners, auto, and umbrella insurance.
Leadership and Structure
Alan D. Schnitzer is the Chairman and Chief Executive Officer. The company operates with a hierarchical structure, with various executive vice presidents leading different business segments and functional areas.
Top Products and Market Share
Key Offerings
- Commercial Auto Insurance: Provides coverage for vehicles used for business purposes. Travelers has a significant market share. Competitors include Progressive (PGR) and Liberty Mutual.
- Homeowners Insurance: Coverage for homeowners against losses. Travelers is a major player in this market. Competitors: State Farm, Allstate (ALL), Progressive (PGR)
- Workers' Compensation Insurance: Coverage for employees injured on the job. Travelers is among the leaders in this sector. Competitors: Hartford Financial Services (HIG), Berkshire Hathaway (BRK.A).
Market Dynamics
Industry Overview
The property and casualty insurance industry is highly competitive and cyclical, influenced by factors such as interest rates, catastrophe losses, and regulatory changes.
Positioning
Travelers is a well-established and diversified insurer with a strong brand reputation. Its competitive advantages include its broad distribution network, risk management expertise, and financial strength.
Total Addressable Market (TAM)
The global property and casualty insurance market is estimated to be in the trillions of dollars. Travelers is positioned to capture a significant share of this TAM through its diversified offerings and geographic reach.
Upturn SWOT Analysis
Strengths
- Strong Brand Reputation
- Extensive Distribution Network
- Diversified Product Portfolio
- Solid Financial Performance
- Experienced Management Team
Weaknesses
- Exposure to Catastrophe Losses
- Sensitivity to Interest Rate Fluctuations
- Reliance on Independent Agents
- High Expense Ratio compared to peers
Opportunities
- Expansion into Emerging Markets
- Development of New Insurance Products
- Increased Use of Technology and Data Analytics
- Acquisitions of Smaller Insurers
Threats
- Intense Competition
- Regulatory Changes
- Cybersecurity Risks
- Economic Downturns
- Climate Change
Competitors and Market Share
Key Competitors
- ALL
- PGR
- HIG
- CB
- WRB
Competitive Landscape
Travelers benefits from a solid reputation, while competitors use pricing or product specializations to stand out. Competitive pricing and a wide array of products are necessary to compete.
Major Acquisitions
Simply Business
- Year: 2017
- Acquisition Price (USD millions): 490
- Strategic Rationale: Expanded digital distribution capabilities and access to the small business insurance market.
Growth Trajectory and Initiatives
Historical Growth: Travelers' growth has been steady, driven by organic growth and strategic acquisitions.
Future Projections: Analyst estimates suggest continued growth for Travelers, driven by increasing demand for insurance products and services. Growth depends on economic outlook.
Recent Initiatives: Recent initiatives include investments in technology and data analytics, expansion into new markets, and the development of new insurance products.
Summary
The Travelers Companies Inc. is a strong, well-established player in the property and casualty insurance industry, benefiting from its brand reputation, diversified product offerings, and solid financial performance. However, it faces challenges from intense competition, catastrophe losses, and economic uncertainties. Recent initiatives in technology and expansion into new markets position it for future growth. The company must continue to innovate and adapt to changing market conditions to maintain its competitive edge and drive shareholder value. It's strengths outweigh its weaknesses.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company SEC Filings
- Industry Reports
- Analyst Estimates
- Travelers Investor Relations
Disclaimers:
The information provided is for informational purposes only and should not be construed as investment advice. Market data is subject to change. Consult with a financial advisor before making any investment decisions.
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.