The Travelers Companies, Inc.

BIT:1TRV Stock Report

Market Cap: €54.5b

Travelers Companies Valuation

Is 1TRV undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

4/6

Valuation Score 4/6

  • Below Fair Value

  • Significantly Below Fair Value

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Analyst Forecast

Share Price vs Fair Value

What is the Fair Price of 1TRV when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Discounted Cash Flow
Simply Wall St
€516.31
Fair Value
53.5% undervalued intrinsic discount
21
Number of Analysts

Below Fair Value: 1TRV (€240.2) is trading below our estimate of fair value (€516.31)

Significantly Below Fair Value: 1TRV is trading below fair value by more than 20%.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for 1TRV?

Key metric: As 1TRV is profitable we use its Price-To-Earnings Ratio for relative valuation analysis.

The above table shows the Price to Earnings ratio for 1TRV. This is calculated by dividing 1TRV's market cap by their current earnings.
What is 1TRV's PE Ratio?
PE Ratio11.9x
EarningsUS$4.96b
Market CapUS$58.82b

Price to Earnings Ratio vs Peers

How does 1TRV's PE Ratio compare to its peers?

The above table shows the PE ratio for 1TRV vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average14.6x
G Assicurazioni Generali
13.2x7.6%€49.7b
REVO REVO Insurance
24x28.4%€328.0m
PST Poste Italiane
10.7x5.2%€21.4b
UNI Unipol Assicurazioni
10.3x6.9%€11.1b
1TRV Travelers Companies
11.9x3.2%€58.8b

Price-To-Earnings vs Peers: 1TRV is good value based on its Price-To-Earnings Ratio (11.9x) compared to the peer average (14.6x).

Price to Earnings Ratio vs Industry

How does 1TRV's PE Ratio compare vs other companies in the European Insurance Industry?

1 CompanyPrice / EarningsEstimated GrowthMarket Cap
1TRV 11.9xIndustry Avg. 12.6xNo. of Companies14PE0816243240+
1 CompanyEstimated GrowthMarket Cap
No more companies

Price-To-Earnings vs Industry: 1TRV is good value based on its Price-To-Earnings Ratio (11.9x) compared to the European Insurance industry average (12.6x).

Price to Earnings Ratio vs Fair Ratio

What is 1TRV's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

1TRV PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio11.9x
Fair PE Ratio11.8x

Price-To-Earnings vs Fair Ratio: 1TRV is expensive based on its Price-To-Earnings Ratio (11.9x) compared to the estimated Fair Price-To-Earnings Ratio (11.8x).

Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

The above table shows the analyst 1TRV forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
Current€240.20
€248.25
+3.4%
9.9%€286.53€198.92n/a21
Mar ’26€245.50
€257.70
+5.0%
10.3%€297.38€205.29n/a21
Feb ’26€237.30
€255.89
+7.8%
10.2%€295.46€203.96n/a21
Jan ’26€228.20
€253.39
+11.0%
9.9%€297.10€205.10n/a21
Dec ’25€253.70
€252.41
-0.5%
8.9%€295.74€204.16n/a21
Nov ’25€227.40
€242.92
+6.8%
8.9%€286.69€197.91n/a21
Oct ’25€213.70
€204.89
-4.1%
8.6%€257.31€176.34n/a22
Sep ’25€205.30
€202.77
-1.2%
6.8%€225.53€176.81n/a21
Aug ’25€195.90
€207.12
+5.7%
6.9%€231.25€181.30n/a21
Jul ’25€189.15
€212.12
+12.1%
6.8%€235.24€186.70n/a22
Jun ’25€196.35
€210.53
+7.2%
6.3%€232.27€186.18n/a22
May ’25€198.45
€213.00
+7.3%
6.4%€235.42€188.71n/a22
Apr ’25€213.10
€202.51
-5.0%
9.6%€241.95€162.78n/a23
Mar ’25€202.80
€200.35
-1.2%
9.5%€240.85€162.04€245.5023
Feb ’25€193.25
€199.89
+3.4%
9.0%€228.60€162.52€237.3023
Jan ’25€171.00
€174.11
+1.8%
8.4%€207.12€150.38€228.2022
Dec ’24€165.65
€179.76
+8.5%
8.4%€215.69€156.61€253.7020
Nov ’24€159.10
€179.76
+13.0%
8.4%€215.69€156.61€227.4020
Oct ’24€156.00
€176.81
+13.3%
8.1%€210.82€153.99€213.7019
Sep ’24€150.45
€176.81
+17.5%
8.1%€210.82€153.99€205.3019
Aug ’24€156.75
€174.38
+11.2%
8.1%€207.92€151.87€195.9019
Jul ’24€158.50
€179.51
+13.3%
7.3%€210.77€157.62€189.1518
Jun ’24€158.90
€183.89
+15.7%
7.4%€215.21€160.94€196.3517
May ’24€164.55
€178.77
+8.6%
7.6%€209.67€150.41€198.4518
Apr ’24€157.42
€182.28
+15.8%
7.0%€212.04€161.33€213.1018
Mar ’24€171.68
€180.59
+5.2%
6.9%€209.37€159.30€202.8018
Analyst Price Target
Consensus Narrative from 21 Analysts
€248.65
Fair Value
3.4% undervalued intrinsic discount
21
Number of Analysts

Analyst Forecast: Target price is less than 20% higher than the current share price.

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2025/03/25 03:49
End of Day Share Price 2025/03/25 00:00
Earnings2024/12/31
Annual Earnings2024/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

The Travelers Companies, Inc. is covered by 48 analysts. 18 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Jacob KilsteinArgus Research Company
Ishan MajumdarBaptista Research
Alex ScottBarclays