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The Travelers Companies Inc (TRV)

Upturn stock ratingUpturn stock rating
$263.31
Last Close (24-hour delay)
Profit since last BUY-2.3%
upturn advisory
SELL
SELL since 3 days
  • BUY Advisory
  • SELL Advisory (Profit)​
  • SELL Advisory (Loss)​
  • Profit
  • Loss
  • Pass (Skip investing)
Upturn Stock infoUpturn Stock info Stock price based on last close
*as per simulation
(see disclosures)
Time period over
  • ALL
  • YEAR
  • MONTH
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Upturn Advisory Summary

06/27/2025: TRV (2-star) is a SELL. SELL since 3 days. Profits (-2.30%). Updated daily EoD!

Upturn Star Rating

ratingratingratingratingrating

Below Average Performance

These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.

Number of Analysts

rating

23 Analysts rated it

These Stocks/ETFs, based on Upturn Advisory, frequently surpass the market, reflecting reliable and trustworthy advice.

Year Target Price $280.37

Year Target Price $280.37

Analyst’s Price TargetsFor last 52 week
$280.37Target price
Low$197.08
Current$263.31
high$276.69

Analysis of Past Performance

Type Stock
Historic Profit 11.86%
Avg. Invested days 50
Today’s Advisory SELL
Upturn Star Rating Upturn stock ratingUpturn stock rating
Upturn Advisory Performance Upturn Advisory Performance 2.0
Stock Returns Performance Upturn Returns Performance 2.0
Upturn Profits based on simulationUpturn Profits based on simulation Profits based on simulation
Upturn Profits based on simulationUpturn Profits based on simulation Last Close 06/27/2025

Key Highlights

Company Size Large-Cap Stock
Market Capitalization 59.66B USD
Price to earnings Ratio 14.33
1Y Target Price 280.37
Price to earnings Ratio 14.33
1Y Target Price 280.37
Volume (30-day avg) -
Beta 0.54
52 Weeks Range 197.08 - 276.69
Updated Date 06/29/2025
52 Weeks Range 197.08 - 276.69
Updated Date 06/29/2025
Dividends yield (FY) 1.67%
Basic EPS (TTM) 18.38

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 14.33
Forward PE 15.04
Enterprise Value 66966827041
Price to Sales(TTM) 1.27
Enterprise Value 66966827041
Price to Sales(TTM) 1.27
Enterprise Value to Revenue 1.42
Enterprise Value to EBITDA -
Shares Outstanding 226568992
Shares Floating 225388363
Shares Outstanding 226568992
Shares Floating 225388363
Percent Insiders 0.24
Percent Institutions 85.07

Analyst Ratings

Rating 3.39
Target Price 280.37
Buy 6
Strong Buy 3
Buy 6
Strong Buy 3
Hold 11
Sell 3
Strong Sell -
Strong Sell -

ai summary icon Upturn AI SWOT

The Travelers Companies Inc

stock logo

Company Overview

overview logo 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.

business area logo 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 logo 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

overview logo 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 logo 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

competitor logo 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.

Upturn AI SummarizationUpturn AI Summarization AI Summarization is directionally correct and might not be accurate.

Upturn AI SummarizationUpturn AI Summarization Summarized information shown could be a few years old and not current.

Upturn AI SummarizationUpturn AI Summarization Fundamental Rating based on AI could be based on old data.

Upturn AI SummarizationUpturn AI Summarization 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
Full time employees 34000

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.