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Upturn AI SWOT - About
TRV 
The Travelers Companies Inc (TRV)
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Stock price based on last close (see disclosures)
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Upturn Advisory Summary
07/03/2025: TRV (2-star) is currently NOT-A-BUY. Pass it for now.
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 $280.37
1 Year Target Price $280.37
| 3 | Strong Buy |
| 6 | Buy |
| 11 | Hold |
| 3 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 11.86% | Avg. Invested days 50 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 07/03/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 59.84B USD | Price to earnings Ratio 14.39 | 1Y Target Price 280.37 |
Price to earnings Ratio 14.39 | 1Y Target Price 280.37 | ||
Volume (30-day avg) 23 | Beta 0.54 | 52 Weeks Range 199.33 - 276.69 | Updated Date 07/4/2025 |
52 Weeks Range 199.33 - 276.69 | Updated Date 07/4/2025 | ||
Dividends yield (FY) 1.64% | Basic EPS (TTM) 18.36 |
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 9.09% | Operating Margin (TTM) 4.8% |
Management Effectiveness
Return on Assets (TTM) 2.69% | Return on Equity (TTM) 16.05% |
Valuation
Trailing PE 14.39 | Forward PE 15.08 | Enterprise Value 67152613446 | Price to Sales(TTM) 1.27 |
Enterprise Value 67152613446 | Price to Sales(TTM) 1.27 | ||
Enterprise Value to Revenue 1.43 | Enterprise Value to EBITDA - | Shares Outstanding 226568992 | Shares Floating 225388363 |
Shares Outstanding 226568992 | Shares Floating 225388363 | ||
Percent Insiders 0.24 | Percent Institutions 84.97 |
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 and 1864 with the establishment of The Travelers Insurance Company. Through numerous mergers and acquisitions, it evolved into a leading provider of property casualty insurance products and services.
Core Business Areas
- Business Insurance: Offers a broad array of property and casualty coverages and a variety of risk management services to businesses in the United States, Canada, and the United Kingdom.
- Bond & Specialty Insurance: Provides surety, fidelity, and management and professional liability insurance products and services primarily in the United States, Canada, and the United Kingdom.
- Personal Insurance: Offers a broad range of property and casualty insurance products and services to individuals in the United States.
Leadership and Structure
Alan D. Schnitzer is the Chairman and Chief Executive Officer. The company operates with a decentralized structure, with business segments having significant autonomy.
Top Products and Market Share
Key Offerings
- Commercial Auto Insurance: Provides coverage for vehicles used for business purposes. Market share varies regionally, but Travelers is a major player in this segment. Competitors include Progressive (PGR), Liberty Mutual, and Hartford Financial (HIG).
- Workers' Compensation Insurance: Covers medical expenses and lost wages for employees injured on the job. Travelers holds a significant position in this market. Competitors include AIG, Hartford Financial (HIG), and Zurich.
- Homeowners Insurance: Offers coverage for homeowners against property damage and liability claims. Travelers is a major player in the personal insurance market. Competitors include State Farm, Allstate (ALL), and Progressive (PGR).
Market Dynamics
Industry Overview
The property and casualty insurance industry is highly competitive and heavily regulated. It is influenced by factors such as interest rates, weather patterns, and regulatory changes.
Positioning
Travelers is a leading property and casualty insurer, known for its strong financial position and extensive distribution network. Its competitive advantages include its size, brand recognition, and risk management expertise.
Total Addressable Market (TAM)
The total addressable market for property and casualty insurance is estimated to be in the hundreds of billions of dollars. Travelers is positioned to capture a significant portion of this market through its diverse product offerings and geographic reach.
Upturn SWOT Analysis
Strengths
- Strong Brand Recognition
- Extensive Distribution Network
- Diversified Product Portfolio
- Strong Financial Position
- Effective Risk Management
Weaknesses
- Exposure to Catastrophic Events
- Sensitivity to Interest Rate Changes
- Complex Regulatory Environment
- Dependence on Agency Distribution
- Potential for Reserve Deficiencies
Opportunities
- Expansion into Emerging Markets
- Development of New Products and Services
- Leveraging Technology to Improve Efficiency
- Increasing Penetration of Existing Markets
- Capitalizing on Demographic Trends
Threats
- Increased Competition
- Economic Downturn
- Regulatory Changes
- Climate Change
- Cybersecurity Risks
Competitors and Market Share
Key Competitors
- CB
- ALL
- PGR
- HIG
Competitive Landscape
Travelers competes effectively against its peers based on its product offerings, distribution network, and financial strength.
Major Acquisitions
Simply Business
- Year: 2017
- Acquisition Price (USD millions): 490
- Strategic Rationale: Expanded Travelers' digital capabilities and access to small business insurance market.
Growth Trajectory and Initiatives
Historical Growth: Travelers has experienced moderate growth in recent years, driven by premium increases and expense management.
Future Projections: Analysts expect Travelers to continue to grow at a moderate pace, driven by demand for its insurance products and services.
Recent Initiatives: Recent initiatives include investments in technology, expansion into new markets, and development of new products.
Summary
The Travelers Companies is a strong player in the property casualty insurance industry, known for its financial stability and brand recognition. It benefits from a diversified product portfolio and extensive distribution network. However, it faces risks from catastrophic events and regulatory changes and could increase tech investments. Travelers' consistent dividend payments contribute to long-term shareholder value.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Filings (10-K, 10-Q)
- Earnings Call Transcripts
- Industry Reports (e.g., from NAIC)
- Financial News Outlets (e.g., WSJ, Bloomberg)
Disclaimers:
This analysis is based on publicly available information and should not be considered financial advice. Market conditions and company performance can change rapidly.
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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