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TRV 
The Travelers Companies Inc (TRV)
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Upturn Advisory Summary
12/01/2025: TRV (1-star) has a low Upturn Star Rating. Not recommended to BUY.
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 $296.1
1 Year Target Price $296.1
| 3 | Strong Buy |
| 6 | Buy |
| 11 | Hold |
| 3 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 11.15% | Avg. Invested days 45 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 12/01/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 65.40B USD | Price to earnings Ratio 11.43 | 1Y Target Price 296.1 |
Price to earnings Ratio 11.43 | 1Y Target Price 296.1 | ||
Volume (30-day avg) 23 | Beta 0.55 | 52 Weeks Range 227.43 - 296.85 | Updated Date 12/1/2025 |
52 Weeks Range 227.43 - 296.85 | Updated Date 12/1/2025 | ||
Dividends yield (FY) 1.47% | Basic EPS (TTM) 25.42 |
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 12.14% | Operating Margin (TTM) 19.69% |
Management Effectiveness
Return on Assets (TTM) 3.46% | Return on Equity (TTM) 19.81% |
Valuation
Trailing PE 11.43 | Forward PE 10.73 | Enterprise Value 74001352302 | Price to Sales(TTM) 1.35 |
Enterprise Value 74001352302 | Price to Sales(TTM) 1.35 | ||
Enterprise Value to Revenue 1.53 | Enterprise Value to EBITDA - | Shares Outstanding 223063417 | Shares Floating 221894565 |
Shares Outstanding 223063417 | Shares Floating 221894565 | ||
Percent Insiders 0.23 | Percent Institutions 87 |
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. In 2007, Travelers Property Casualty Corp. merged with St. Paul Companies, Inc., forming The Travelers Companies, Inc.
Core Business Areas
- Business Insurance: Provides a broad array of property and casualty insurance products and services to businesses, government entities, and organizations in the U.S., Canada, and the U.K.
- Bond & Specialty Insurance: Offers surety, fidelity, and management liability insurance products and services, primarily in the U.S., Canada, and the U.K.
- Personal Insurance: Provides a range of property and casualty insurance products and services to individuals, primarily in the U.S.
Leadership and Structure
Alan D. Schnitzer is the Chairman and Chief Executive Officer. The company operates with a hierarchical structure, with executive leadership overseeing each of the major business segments.
Top Products and Market Share
Key Offerings
- Commercial Auto Insurance: Provides coverage for vehicles used for business purposes. Market share data is dynamic, varies geographically and fluctuates according to market conditions. Competitors include Progressive, Liberty Mutual and GEICO.
- Workers' Compensation Insurance: Provides coverage for employees injured on the job. Market share data is dynamic, varies geographically and fluctuates according to market conditions. Competitors include Hartford, Liberty Mutual and Berkshire Hathaway Guard.
- Homeowners Insurance: Provides coverage for damages or losses to an individual's home and personal property. Market share data is dynamic, varies geographically and fluctuates according to market conditions. Competitors include State Farm, Allstate and Liberty Mutual.
- Surety Bonds: Guarantees contract performance, payment obligations, and other obligations. Market share data is dynamic, varies geographically and fluctuates according to market conditions. Competitors include Zurich and CNA.
Market Dynamics
Industry Overview
The property and casualty insurance industry is highly competitive and subject to economic cycles, regulatory changes, and catastrophic events.
Positioning
Travelers is a leading provider of property and casualty insurance, known for its strong underwriting expertise, risk management capabilities, and extensive distribution network.
Total Addressable Market (TAM)
The global property and casualty insurance market is estimated to be over $7 trillion annually. Travelers is positioned as a key player capturing a portion of this TAM.
Upturn SWOT Analysis
Strengths
- Strong brand reputation
- Extensive distribution network
- Solid underwriting performance
- Effective risk management
Weaknesses
- Exposure to catastrophic events
- Sensitivity to economic cycles
- Competition from larger players
- Dependence on independent agents
Opportunities
- Expansion into emerging markets
- Development of new insurance products
- Leveraging technology to improve efficiency
- Growth in cyber insurance demand
Threats
- Increasing competition
- Regulatory changes
- Climate change and extreme weather
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- Allstate (ALL)
- The Progressive Corporation (PGR)
- Hartford Financial Services Group (HIG)
- Chubb (CB)
Competitive Landscape
Travelers competes on price, product offerings, and service quality. It has a strong position in the commercial insurance market, but faces intense competition from larger and more diversified players.
Major Acquisitions
Simply Business
- Year: 2017
- Acquisition Price (USD millions): 490
- Strategic Rationale: Expand Travelersu2019 digital capabilities and reach in the small commercial insurance market.
Growth Trajectory and Initiatives
Historical Growth: Travelers' growth has been driven by organic growth, strategic acquisitions, and effective risk management.
Future Projections: Future growth projections are based on analyst estimates which are published on financial news websites. These estimates factor in market conditions, economic growth, and company-specific initiatives.
Recent Initiatives: Recent initiatives include investments in technology, expansion of product offerings, and focus on improving customer experience.
Summary
Travelers is a solid property and casualty insurer with a strong brand and distribution network. Its underwriting expertise and risk management are key strengths. Exposure to catastrophic events and increasing competition are factors to watch out for. Future growth depends on technological innovation and expansion in new markets.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company Financial Reports
- Industry Reports
- Analyst Estimates
- Market Research Data
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Market share data are estimates and may not be precise. Investment decisions should be based on individual research and consultation with a financial professional.
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.
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