Travelers Companies
Market Cap
US$31.9b
Last Updated
2020/10/26 05:28 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
TRV passed our risk checks.
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 has not had significant price volatility in the past 3 months.
Market Performance
7 Day Return
12.6%
TRV
3.0%
US Insurance
0.4%
US Market
1 Year Return
-2.6%
TRV
-9.5%
US Insurance
17.8%
US Market
Return vs Industry: TRV exceeded the US Insurance industry which returned -9.5% over the past year.
Return vs Market: TRV underperformed the US Market which returned 17.8% over the past year.
Shareholder returns
| TRV | Industry | Market | |
|---|---|---|---|
| 7 Day | 12.6% | 3.0% | 0.4% |
| 30 Day | 16.5% | 8.2% | 6.1% |
| 90 Day | 9.5% | 3.4% | 8.9% |
| 1 Year | 0.07%-2.6% | -7.0%-9.5% | 20.5%17.8% |
| 3 Year | 2.1%-5.0% | 3.0%-4.4% | 42.3%32.9% |
| 5 Year | 24.5%10.6% | 39.5%21.9% | 84.2%63.4% |
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
5 days ago | Simply Wall St
Travelers Companies' (NYSE:TRV) Stock Price Has Reduced 11% In The Past Three Years2 weeks ago | Simply Wall St
A Quick Analysis On Travelers Companies' (NYSE:TRV) CEO Salary1 month ago | Simply Wall St
Is The Travelers Companies, Inc. (NYSE:TRV) Popular Amongst Institutions?Valuation
Is Travelers Companies undervalued compared to its fair value and its price relative to the market?
21.7%
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: TRV ($125.97) is trading below our estimate of fair value ($160.92)
Significantly Below Fair Value: TRV is trading below fair value by more than 20%.
Price To Earnings Ratio
PE vs Industry: TRV's PE Ratio (14.3x) is in line with the US Insurance industry average.
PE vs Market: TRV is good value based on its PE Ratio (14.3x) compared to the US market (19.1x).
Price to Earnings Growth Ratio
PEG Ratio: TRV is poor value based on its PEG Ratio (1.2x)
Price to Book Ratio
PB vs Industry: TRV is overvalued based on its PB Ratio (1.1x) compared to the US Insurance industry average (0.9x).
Next Steps
Future Growth
How is Travelers Companies forecast to perform in the next 1 to 3 years based on estimates from 14 analysts?
12.3%
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: TRV's forecast earnings growth (12.3% per year) is above the savings rate (2.2%).
Earnings vs Market: TRV's earnings (12.3% per year) are forecast to grow slower than the US market (22.1% per year).
High Growth Earnings: TRV's earnings are forecast to grow, but not significantly.
Revenue vs Market: TRV's revenue (5% per year) is forecast to grow slower than the US market (9.9% per year).
High Growth Revenue: TRV's revenue (5% 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 (13%).
Next Steps
Past Performance
How has Travelers Companies performed over the past 5 years?
-9.0%
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: TRV has high quality earnings.
Growing Profit Margin: TRV's current net profit margins (7.1%) are lower than last year (7.5%).
Past Earnings Growth Analysis
Earnings Trend: TRV's earnings have declined by 9% per year over the past 5 years.
Accelerating Growth: TRV's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: TRV had negative earnings growth (-4.7%) over the past year, making it difficult to compare to the Insurance industry average (-3.2%).
Return on Equity
High ROE: TRV's Return on Equity (8.1%) is considered low.
Next Steps
Financial Health
How is Travelers Companies's financial position?
Financial Position Analysis
Short Term Liabilities: TRV's short term assets ($28.4B) do not cover its short term liabilities ($70.6B).
Long Term Liabilities: TRV's short term assets ($28.4B) exceed its long term liabilities ($17.9B).
Debt to Equity History and Analysis
Debt Level: TRV's debt to equity ratio (25.3%) is considered satisfactory.
Reducing Debt: TRV's debt to equity ratio has reduced from 28% to 25.3% over the past 5 years.
Debt Coverage: TRV's debt is well covered by operating cash flow (85.5%).
Interest Coverage: TRV's interest payments on its debt are well covered by EBIT (8.9x coverage).
Balance Sheet
Next Steps
Dividend
What is Travelers Companies's current dividend yield, its reliability and sustainability?
2.70%
Current Dividend Yield
Upcoming Dividend Payment
Dividend Yield vs Market
Notable Dividend: TRV's dividend (2.7%) is higher than the bottom 25% of dividend payers in the US market (1.63%).
High Dividend: TRV's dividend (2.7%) is low compared to the top 25% of dividend payers in the US market (4.56%).
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 reasonably low payout ratio (37.9%), 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 (26.5% payout ratio).
Next Steps
Management
How experienced are the management team and are they aligned to shareholders interests?
3.1yrs
Average management tenure
CEO
Alan Schnitzer (54 yo)
4.83yrs
Tenure
US$16,778,809
Compensation
Mr. Alan David Schnitzer is Chairman of the Board of Travelers Companies, Inc. since August 2017 and Chief Executive Officer and Director since December 2015. Mr. Schnitzer joined the Travelers Companies i ...
CEO Compensation Analysis
Compensation vs Market: Alan's total compensation ($USD16.78M) is above average for companies of similar size in the US market ($USD11.16M).
Compensation vs Earnings: Alan's compensation has been consistent with company performance over the past year.
Leadership Team
| Name | Position | Tenure | Compensation | Ownership |
|---|---|---|---|---|
| Chairman & CEO | 4.83yrs | US$16.78m | 0.069% $ 21.9m | |
| Executive VP & CFO | 2.08yrs | US$4.23m | 0.00059% $ 188.3k | |
| Vice Chairman & Chief Legal Officer | 3.83yrs | US$6.30m | 0.0076% $ 2.4m | |
| Vice Chairman | 16.5yrs | US$6.12m | 0.096% $ 30.7m | |
| Executive VP & President of Business Insurance | 11.25yrs | US$5.26m | 0.0053% $ 1.7m | |
| Executive VP | 1.42yrs | no data | no data | |
| Executive VP & Co-Chief Investment Officer | 1.17yrs | no data | no data | |
| Executive VP & Co-Chief Investment Officer | 1.17yrs | no data | no data | |
| Executive VP & Chief Administrative Officer | 18.75yrs | no data | 0.0056% $ 1.8m | |
| Senior Vice President of Investor Relations | 2.42yrs | no data | no data | |
| Executive Vice President of Marketing | 3.83yrs | no data | no data | |
| Executive VP & Chief Human Resources Officer | 0.75yr | no data | 0.00018% $ 57.4k |
3.1yrs
Average Tenure
54.5yo
Average Age
Experienced Management: TRV's management team is considered experienced (3.1 years average tenure).
Board Members
| Name | Position | Tenure | Compensation | Ownership |
|---|---|---|---|---|
| Chairman & CEO | 4.83yrs | US$16.78m | 0.069% $ 21.9m | |
| Independent Director | 16.5yrs | US$305.01k | 0.00098% $ 312.7k | |
| Independent Director | 10.83yrs | US$330.01k | no data | |
| Independent Lead Director | 1.75yrs | US$351.36k | no data | |
| Independent Director | 19.42yrs | US$325.01k | no data | |
| Independent Director | 3.17yrs | US$305.01k | no data | |
| Independent Director | 13.42yrs | US$305.01k | 0.000050% $ 16.0k | |
| Independent Director | 6.67yrs | US$317.21k | 0.0092% $ 2.9m | |
| Independent Director | 13.42yrs | US$305.01k | no data | |
| Independent Director | 0.42yr | no data | 0% $ 0 | |
| Independent Director | 8.42yrs | US$330.01k | 0.00031% $ 98.9k |
8.4yrs
Average Tenure
69yo
Average Age
Experienced Board: TRV's board of directors are considered experienced (8.4 years average tenure).
Ownership
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: TRV insiders have bought more shares than they have sold 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$31.909b
- Shares outstanding: 253.31m
- 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 |
| PA9 | XTRA (XETRA Trading Platform) | 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 |
| PA9 | ETLX (Eurotlx) | Yes | Common Shares | IT | EUR | Jan 1997 |
| TRVV | BASE (Buenos Aires Stock Exchange) | CEDEAR EACH 6 REP 1 | 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 | 2020/10/26 05:28 |
| End of Day Share Price | 2020/10/23 00:00 |
| Earnings | 2020/09/30 |
| Annual Earnings | 2019/12/31 |
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.