Travelers Companies
Market Cap
US$37.2b
Last Updated
2021/07/31 05:42 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. More Details
Rewards
Risk Analysis
Snowflake Analysis
Excellent balance sheet established dividend payer.
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
Stable Share Price: TRV is less volatile than 75% of US stocks over the past 3 months, typically moving +/- 3% a week.
Volatility Over Time: TRV's weekly volatility (3%) has been stable over the past year.
Market Performance
7 Day Return
0.7%
TRV
0.8%
US Insurance
-0.5%
US Market
1 Year Return
30.2%
TRV
30.9%
US Insurance
35.9%
US Market
Return vs Industry: TRV matched the US Insurance industry which returned 30.9% over the past year.
Return vs Market: TRV underperformed the US Market which returned 35.9% over the past year.
Shareholder returns
| TRV | Industry | Market | |
|---|---|---|---|
| 7 Day | 0.7% | 0.8% | -0.5% |
| 30 Day | -1.9% | -0.4% | 0.3% |
| 90 Day | -3.7% | -2.5% | 3.1% |
| 1 Year | 33.4%30.2% | 34.2%30.9% | 38.0%35.9% |
| 3 Year | 23.5%14.8% | 34.5%24.5% | 62.9%52.7% |
| 5 Year | 41.4%25.6% | 74.9%53.2% | 121.7%97.3% |
Long-Term 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
Travelers Companies (NYSE:TRV) Is Increasing Its Dividend To US$0.882 weeks ago | Simply Wall St
The Travelers Companies, Inc.'s (NYSE:TRV) Stock Has Shown A Decent Performance: Have Financials A Role To Play?1 month ago | Simply Wall St
With EPS Growth And More, Travelers Companies (NYSE:TRV) Is InterestingValuation
Is Travelers Companies undervalued compared to its fair value and its price relative to the market?
41.5%
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: TRV ($148.92) is trading below our estimate of fair value ($254.58)
Significantly Below Fair Value: TRV is trading below fair value by more than 20%.
Price To Earnings Ratio
PE vs Industry: TRV is good value based on its PE Ratio (10x) compared to the US Insurance industry average (10.7x).
PE vs Market: TRV is good value based on its PE Ratio (10x) compared to the US market (18x).
Price to Earnings Growth Ratio
PEG Ratio: TRV is poor value based on its PEG Ratio (17.6x)
Price to Book Ratio
PB vs Industry: TRV is overvalued based on its PB Ratio (1.3x) compared to the US Insurance industry average (1.1x).
Future Growth
How is Travelers Companies forecast to perform in the next 1 to 3 years based on estimates from 14 analysts?
0.6%
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: TRV's forecast earnings growth (0.6% per year) is below the savings rate (2%).
Earnings vs Market: TRV's earnings (0.6% per year) are forecast to grow slower than the US market (14.9% per year).
High Growth Earnings: TRV's earnings are forecast to grow, but not significantly.
Revenue vs Market: TRV's revenue (3.4% per year) is forecast to grow slower than the US market (9.2% per year).
High Growth Revenue: TRV's revenue (3.4% 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 (12%).
Past Performance
How has Travelers Companies performed over the past 5 years?
-0.7%
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: TRV has high quality earnings.
Growing Profit Margin: TRV's current net profit margins (11.2%) are higher than last year (5.8%).
Past Earnings Growth Analysis
Earnings Trend: TRV's earnings have declined by 0.7% per year over the past 5 years.
Accelerating Growth: TRV's earnings growth over the past year (107.8%) exceeds its 5-year average (-0.7% per year).
Earnings vs Industry: TRV earnings growth over the past year (107.8%) exceeded the Insurance industry 67%.
Return on Equity
High ROE: TRV's Return on Equity (13%) is considered low.
Financial Health
How is Travelers Companies's financial position?
Financial Position Analysis
Short Term Liabilities: TRV's short term assets ($27.8B) do not cover its short term liabilities ($72.9B).
Long Term Liabilities: TRV's short term assets ($27.8B) exceed its long term liabilities ($17.7B).
Debt to Equity History and Analysis
Debt Level: TRV's debt to equity ratio (23.8%) is considered satisfactory.
Reducing Debt: TRV's debt to equity ratio has reduced from 26% to 23.8% over the past 5 years.
Debt Coverage: TRV's debt is well covered by operating cash flow (104.9%).
Interest Coverage: TRV's interest payments on its debt are well covered by EBIT (14.7x coverage).
Balance Sheet
Dividend
What is Travelers Companies's current dividend yield, its reliability and sustainability?
2.36%
Current Dividend Yield
Upcoming Dividend Payment
Dividend Yield vs Market
Notable Dividend: TRV's dividend (2.36%) is higher than the bottom 25% of dividend payers in the US market (1.31%).
High Dividend: TRV's dividend (2.36%) is low compared to the top 25% of dividend payers in the US market (3.54%).
Stability and Growth of Payments
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 low payout ratio (22.9%), 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 (27.7% payout ratio).
Next Steps
Management
How experienced are the management team and are they aligned to shareholders interests?
3.9yrs
Average management tenure
CEO
Alan Schnitzer (55 yo)
5.58yrs
Tenure
US$18,990,270
Compensation
Mr. Alan David Schnitzer serves as Chairman of the Board of Travelers Companies, Inc. since August 1, 2017 and serves as its Chief Executive Officer and Director since December 2015. Mr. Schnitzer joined t...
CEO Compensation Analysis
Compensation vs Market: Alan's total compensation ($USD18.99M) is above average for companies of similar size in the US market ($USD11.17M).
Compensation vs Earnings: Alan's compensation has been consistent with company performance over the past year.
Leadership Team
Experienced Management: TRV's management team is considered experienced (3.9 years average tenure).
Board Members
Experienced Board: TRV's board of directors are considered experienced (7.3 years average tenure).
Ownership
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: TRV insiders have only sold shares in the past 3 months.
Recent Insider Transactions
Ownership Breakdown
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Top Shareholders
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$37.154b
- Shares outstanding: 249.49m
- Website: https://www.travelers.com
Number of Employees
Location
- The Travelers Companies, Inc.
- 485 Lexington Avenue
- New York
- New York
- 10017-2630
- United States
Listings
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 | 2021/07/31 05:42 |
| End of Day Share Price | 2021/07/30 00:00 |
| Earnings | 2021/06/30 |
| Annual Earnings | 2020/12/31 |
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.