Travelers Companies
Market Cap
US$37.0b
Last Updated
2019/10/22 00:01 UTC
Data Sources
Company Financials +
Executive Summary
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.
Snowflake
Fundamentals
Established dividend payer and fair value.
Similar Companies
Share Price & News
How has Travelers Companies's share price performed over time and what events caused price changes?
Latest Share Price and Events
Market Performance
7 Day Return
-1.0%
TRV
0.1%
US Insurance
0.5%
US Market
1 Year Return
14.6%
TRV
13.8%
US Insurance
6.8%
US Market
Return vs Industry: TRV matched the US Insurance industry which returned 13.8% over the past year.
Return vs Market: TRV exceeded the US Market which returned 6.8% over the past year.
Shareholder returns
| TRV | Industry | Market | |
|---|---|---|---|
| 7 Day | -1.0% | 0.1% | 0.5% |
| 30 Day | -3.0% | -1.8% | -0.8% |
| 90 Day | -4.7% | -1.6% | -0.9% |
| 1 Year | 17.3%14.6% | 16.6%13.8% | 9.2%6.8% |
| 3 Year | 39.4%30.2% | 44.6%33.5% | 45.6%36.2% |
| 5 Year | 59.4%42.3% | 69.6%49.4% | 63.2%45.4% |
Price Volatility Vs. Market
How volatile is Travelers Companies's share price compared to the market and industry in the last 5 years?
Simply Wall St News
1 week ago | Simply Wall St
Are You An Income Investor? Don't Miss Out On The Travelers Companies, Inc. (NYSE:TRV)3 weeks ago | Simply Wall St
What Kind Of Investor Owns Most Of The Travelers Companies, Inc. (NYSE:TRV)?1 month ago | Simply Wall St
The Travelers Companies, Inc. (NYSE:TRV) Delivered A Better ROE Than Its IndustryValuation
Is Travelers Companies undervalued compared to its fair value and its price relative to the market?
22.4%
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: TRV ($141.91) is trading below our estimate of fair value ($182.9)
Significantly Below Fair Value: TRV is trading below fair value, but not by a significant amount.
Price To Earnings Ratio
PE vs Industry: TRV is good value based on its PE Ratio (14x) compared to the Insurance industry average (15.6x).
PE vs Market: TRV is good value based on its PE Ratio (14x) compared to the US market (17.7x).
Price to Earnings Growth Ratio
PEG Ratio: TRV is poor value based on its PEG Ratio (5.5x)
Price to Book Ratio
PB vs Industry: TRV is overvalued based on its PB Ratio (1.5x) compared to the US Insurance industry average (1.2x).
Next Steps
Future Growth
How is Travelers Companies forecast to perform in the next 1 to 3 years based on estimates from 14 analysts?
2.6%
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: TRV's forecast earnings growth (2.6% per year) is below the savings rate (2.7%).
Earnings vs Market: TRV's earnings (2.6% per year) are forecast to grow slower than the US market (14.6% per year).
High Growth Earnings: TRV's earnings are forecast to grow, but not significantly.
Revenue vs Market: TRV's revenue (3% per year) is forecast to grow slower than the US market (7.2% per year).
High Growth Revenue: TRV's revenue (3% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: TRV's Return on Equity is forecast to be low in 3 years time (11.8%).
Next Steps
Past Performance
How has Travelers Companies performed over the past 5 years?
-10.5%
Historical annual earnings growth
Earnings and Revenue History
Past Earnings Growth Analysis
Earnings Trend: TRV's earnings have declined by -10.5% per year over the past 5 years.
Accelerating Growth: TRV's earnings growth over the past year (31.7%) exceeds its 5-year average (-10.5% per year).
Earnings vs Industry: TRV earnings growth over the past year (31.7%) exceeded the Insurance industry 1.4%.
Return on Equity
High ROE: TRV's Return on Equity (10.6%) is considered low.
Return on Assets
ROA vs Industry: TRV has a higher Return on Assets than the Insurance industry average last year.
Return on Capital Employed
ROCE Improving: TRV's Return on Capital Employed has declined over the past 3 years.
Next Steps
Financial Health
How is Travelers Companies's financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Inventory Level: TRV has a low level of unsold assets or inventory.
Debt Coverage by Assets: TRV's debt is covered by short term assets (assets are 3.937930x debt).
Financial Institutions Analysis
Asset Level: TRV's level of assets compared to its equity is low.
Allowance for Bad Loans: Insufficient data to determine if TRV has a sufficient allowance for bad loans.
Low Risk Liabilities: TRV reports no customer deposits, loans are made up entirely of externally borrowed funds.
Loan Level: Insufficient data to determine if TRV has an acceptable proportion of non-loan assets held.
Low Risk Deposits: TRV has advanced significantly more loans than the customer deposits it holds.
Level of Bad Loans: Insufficient data to determine if TRV has an appropriate level of bad loans.
Next Steps
Dividend
What is Travelers Companies's current dividend yield, its reliability and sustainability?
2.31%
Current Dividend Yield
Dividend Yield vs Market
Current dividend yield vs market & industry
Stability and Growth of Payments
Notable Dividend: TRV's dividend (2.31%) is higher than the bottom 25% of dividend payers in the US market (1.45%).
High Dividend: TRV's dividend (2.31%) is low compared to the top 25% of dividend payers in the US market (3.73%).
Stable Dividend: TRV's dividends per share have been stable in the past 10 years.
Growing Dividend: TRV's dividend payments have increased over the past 10 years.
Current Payout to Shareholders
Dividend Coverage: With its reasonably low payout ratio (31%), TRV's dividend payments are well covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: TRV's dividends in 3 years are forecast to be well covered by earnings (30% payout ratio).
Next Steps
Management
What is the CEO of Travelers Companies's salary, the management and board of directors tenure and is there insider trading?
1.1yrs
Average management tenure
CEO
Alan Schnitzer (53yo)
3.8yrs
Tenure
US$14,648,213
Compensation
Mr. Alan David Schnitzer is Chairman of the Board of Travelers Companies, Inc. since August 2017 and Chief Executive Officer and Director since December 2015. Mr. Schnitzer joined the Travelers Companies i ...
CEO Compensation Analysis
Compensation vs. Market: Alan's total compensation ($USD14.65M) is about average for companies of similar size in the US market ($USD11.18M).
Compensation vs Earnings: Alan's compensation has been consistent with company performance over the past year.
Management Age and Tenure
1.1yrs
Average Tenure
53yo
Average Age
Experienced Management: TRV's management team is not considered experienced ( 1.1 years average tenure), which suggests a new team.
Board Age and Tenure
8.6yrs
Average Tenure
68.5yo
Average Age
Experienced Board: TRV's board of directors are considered experienced (8.6 years average tenure).
Insider Trading
Insider Buying: TRV insiders have sold more shares than they have bought in the past 3 months.
Recent Insider Transactions
| Entity | Individual |
| Role | Member of the Board of Directors Independent Director |
| Shares | 700 |
| Max Price | US$147.49 |
| Entity | Individual |
| Shares | 3,545.43 |
| Max Price | US$147.41 |
| Entity | Individual |
| Shares | 2,040 |
| Max Price | US$142.51 |
| Entity | Individual |
| Shares | 2,991 |
| Max Price | US$140.00 |
| Entity | Individual |
| Role | Senior Key Executive Executive VP & President of Business Insurance |
| Shares | 4,450 |
| Max Price | US$132.57 |
| Entity | Individual |
| Shares | 4,850 |
| Max Price | US$131.26 |
| Entity | Individual |
| Role | Senior Key Executive Vice Chairman |
| Shares | 8,138 |
| Max Price | US$130.57 |
| Entity | Individual |
| Role | Senior Key Executive Vice Chairman |
| Shares | 8,323 |
| Max Price | US$125.54 |
| Entity | Individual |
| Shares | 1,666 |
| Max Price | US$126.17 |
Ownership Breakdown
Management Team
Bill Heyman (70yo)
Vice Chairman
- Tenure: 15.5yrs
- Compensation: US$6.62m
Alan Schnitzer (53yo)
Chairman & CEO
- Tenure: 3.8yrs
- Compensation: US$14.65m
Jay Benet (66yo)
Vice Chairman
- Tenure: 1.1yrs
- Compensation: US$5.90m
Mojgan Lefebvre (53yo)
Executive VP
- Tenure: 0.5yrs
Avrohom Kess (50yo)
Vice Chairman & Chief Legal Officer
- Tenure: 2.8yrs
- Compensation: US$6.01m
Greg Toczydlowski (52yo)
Executive VP & President of Business Insurance
- Tenure: 10.3yrs
- Compensation: US$4.86m
David Rowland
Executive VP & Co-Chief Investment Officer
- Tenure: 0.2yrs
Daniel Yin
Executive VP & Co-Chief Investment Officer
- Tenure: 0.2yrs
Wendy Skjerven
VP, Corporate Secretary & Group General Counsel
- Tenure: 0yrs
Dan Frey (54yo)
Executive VP & CFO
- Tenure: 1.1yrs
- Compensation: US$1.81m
Board Members
Laurie Thomsen (62yo)
Independent Director
- Tenure: 15.5yrs
- Compensation: US$304.94k
Don Shepard (72yo)
Independent Director
- Tenure: 9.8yrs
- Compensation: US$329.94k
Todd Schermerhorn (58yo)
Lead Director
- Tenure: 0.8yrs
- Compensation: US$329.94k
Janet Dolan (69yo)
Independent Director
- Tenure: 18.4yrs
- Compensation: US$324.94k
Clarence Otis (63yo)
Independent Director
- Tenure: 2.2yrs
- Compensation: US$304.94k
Patricia Higgins (69yo)
Director
- Tenure: 12.4yrs
- Compensation: US$304.94k
Pete Ruegger (69yo)
Independent Director
- Tenure: 5.7yrs
- Compensation: US$304.94k
Alan Schnitzer (53yo)
Chairman & CEO
- Tenure: 3.8yrs
- Compensation: US$14.65m
Alan Beller (69yo)
Independent Director
- Tenure: 12.4yrs
- Compensation: US$304.94k
William Kane (68yo)
Independent Director
- Tenure: 7.4yrs
- Compensation: US$329.94k
Company Information
The Travelers Companies, Inc.'s company bio, employee growth, exchange listings and data sources
Key Information
- Name: The Travelers Companies, Inc.
- Ticker: TRV
- Exchange: NYSE
- Founded: 1853
- Industry: Property and Casualty Insurance
- Sector: Insurance
- Market Cap: US$36.951b
- Shares outstanding: 260.39m
- Website: https://www.travelers.com
Number of Employees
Location
- The Travelers Companies, Inc.
- 485 Lexington Avenue
- New York
- New York
- 10017
- United States
Listings
| Ticker | Exchange | Primary Security | Security Type | Country | Currency | Listed on |
|---|---|---|---|---|---|---|
| PA9 | DB (Deutsche Boerse AG) | Yes | Common Shares | DE | EUR | Jan 1997 |
| TRV | NYSE (New York Stock Exchange) | Yes | Common Shares | US | USD | Jan 1997 |
| TRV * | BMV (Bolsa Mexicana de Valores) | Yes | Common Shares | MX | MXN | Jan 1997 |
| TRV | SNSE (Santiago Stock Exchange) | Yes | Common Shares | CL | USD | Jan 1997 |
| 0R03 | LSE (London Stock Exchange) | Yes | Common Shares | GB | USD | Jan 1997 |
| TRV | WBAG (Wiener Boerse AG) | Yes | Common Shares | AT | EUR | Jan 1997 |
| TRVV | BASE (Buenos Aires Stock Exchange) | CEDEAR EACH REP 0.33 SHS | AR | ARS | Feb 2012 | |
| TRVC34 | BOVESPA (Bolsa de Valores de Sao Paulo) | BDR EA REPR 1/2 COM USD0.00 | BR | BRL | Apr 2016 |
Biography
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, an ...
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2019/10/22 00:01 |
| End of Day Share Price | 2019/10/21 00:00 |
| Earnings | 2019/06/30 |
| Annual Earnings | 2018/12/31 |
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 here.