Travelers Companies (NYSE:TRV) Stock Price & Quote Analysis

TRV fundamental analysis
Snowflake Score
Valuation	5/6
Future Growth	1/6
Past Performance	2/6
Financial Health	4/6
Dividends	5/6

TRV Stock Overview

Rewards

Trading at 51.3% below our estimate of its fair value

Earnings are forecast to grow 8.07% per year

Pays a reliable dividend of 2.2%

Risk Analysis

No risks detected for TRV from our risk checks.

The Travelers Companies, Inc. Competitors

Allstate

NYSE:ALL

US$34.3b

Progressive

NYSE:PGR

US$70.5b

Chubb

NYSE:CB

US$78.7b

W. R. Berkley

NYSE:WRB

US$17.3b

Price History & Performance

Summary of all time highs, changes and price drops for Travelers Companies
Historical stock prices
Current Share Price	US$168.81
52 Week High	US$187.98
52 Week Low	US$145.40
Beta	0.64
1 Month Change	2.14%
3 Month Change	-2.30%
1 Year Change	7.87%
3 Year Change	15.95%
5 Year Change	31.69%
Change since IPO	406.31%

Recent News & Updates

Jul 26

Travelers Companies (NYSE:TRV) Will Pay A Larger Dividend Than Last Year At $0.93

The Travelers Companies, Inc. ( NYSE:TRV ) has announced that it will be increasing its dividend from last year's...

Jul 20

The Travelers Companies Q2 2022 Earnings Preview

The Travelers Companies (NYSE:TRV) is scheduled to announce Q2 earnings results on Thursday, July 21st, before market open. The consensus EPS Estimate is $1.97 (-42.9% Y/Y) and the consensus Revenue Estimate is $8.29B (+8.8% Y/Y). Over the last 2 years, TRV has beaten EPS estimates 100% of the time and has beaten revenue estimates 63% of the time. Over the last 3 months, EPS estimates have seen 2 upward revisions and 13 downward. Revenue estimates have seen 7 upward revisions and 0 downward.

Jul 03

Travelers: A 2022 Outperformer With A Big Total Shareholder Yield

Amid the carnage that is this year's stock market return, one industry emerges with massive relative strength. Seen as having an umbrella of safety, P&C insurance companies are higher in 2022. Travelers sports future earnings growth and a significant dividend plus repurchase yield, along with share price outperformance vs. its industry. The S&P 500 was down 24% for 2022 at the June low. After the worst start to a year since 1970 for the U.S. large-cap index, investors are left searching for any kind of relative strength. S&P 500 Returns And Drawdown By Year: The 2022 Bear J.P. Morgan Asset Management One niche that has steadily and stealthily outperformed are insurance stocks. The Invesco KBW Property & Casualty Insurance ETF (KBWP) is red-hot when compared to the S&P 500 this year. KBWP P&C Insurance ETF Vs. SPY: An Industry With Momentum Stockcharts.com Within the fund’s portfolio, you will find a household insurance company: Travelers (TRV). The stock is an 8% holding in KBWP as of July 1. So far this year, TRV has returned more than 10% – that is a whopping total return considering the S&P 500 SPDR Trust ETF (SPY) is down 19% while the Select Financials Sector SPDR ETF (XLF) is down 18%. Moreover, Travelers has beaten KBWP by more than 6% YTD. Talk about momentum. TRV Is Outperforming The Industry, Sector, And Market ETFs Stockcharts.com But what does Travelers do? Is it a decent fundamental investment? Let’s review the details. According to Bank of America Global Research, TRV is a large, diversified property & casualty insurer deriving a mix of business from commercial and personal lines, particularly in the U.S., largely sourced through independent agents. Its commercial business tends to be tilted toward small business and middle market risks, while its personal lines business aims to sell bundled home/auto policies. The company has a long track record of returning to shareholders almost all the capital it generates through dividends and repurchases. The $41 billion market cap New York-based Financials sector company trades at a low 11.6x forward P/E ratio. According to The Wall Street Journal, its dividend yield of 2.17% is solidly above that of the S&P 500. S&P 500 Forward P/E Multiple Heat Map: Travelers A Compelling Value Stock Finviz BofA analysts expect TRV earnings to grow at a fast clip next year and in 2024 after a speed bump this year. Based on figures from last December, the stock’s P/E ratio should decline based on that earnings growth while a steady dividend yield is seen. Within the April 19 first-quarter earnings report, the company raised its dividend by 3.5% and announced a $5 billion share repurchase program. TRV Earnings, P/E, Dividend Yield Forecasts BofA Global Research According to Koyfin Charts, Travelers’ buyback yield now exceeds 5%. Coupled with a dividend rate above 2%, total shareholder yield is an impressive 7.2%. TRV Buyback Yield > 5% Koyfin Charts

Shareholder Returns

	TRV	US Insurance	US Market
7D	7.0%	5.7%	1.3%
1Y	7.9%	3.0%	-11.7%

Return vs Industry: TRV exceeded the US Insurance industry which returned 1.4% over the past year.

Return vs Market: TRV exceeded the US Market which returned -11.6% over the past year.

Price Volatility

Is TRV's price volatile compared to industry and market?
TRV volatility
TRV Average Weekly Movement	3.5%
Insurance Industry Average Movement	5.0%
Market Average Movement	7.8%
10% most volatile stocks in US Market	16.9%
10% least volatile stocks in US Market	3.2%

Stable Share Price: TRV is less volatile than 75% of US stocks over the past 3 months, typically moving +/- 4% a week.

Volatility Over Time: TRV's weekly volatility (4%) has been stable over the past year.

About the Company

Founded	Employees	CEO	Website
1853	30,492	Alan Schnitzer	https://www.travelers.com

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.

The Travelers Companies, Inc. Fundamentals Summary

How do Travelers Companies's earnings and revenue compare to its market cap?
TRV fundamental statistics
Market Cap	US$40.06b
Earnings (TTM)	US$3.54b
Revenue (TTM)	US$35.76b

11.3x

P/E Ratio

1.1x

P/S Ratio

Is TRV overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report
TRV income statement (TTM)
Revenue	US$35.76b
Cost of Revenue	US$26.38b
Gross Profit	US$9.38b
Other Expenses	US$5.84b
Earnings	US$3.54b

Last Reported Earnings

Jun 30, 2022

Next Earnings Date

n/a

Earnings per share (EPS)	14.91
Gross Margin	26.23%
Net Profit Margin	9.89%
Debt/Equity Ratio	31.9%

How did TRV perform over the long term?

See historical performance and comparison

Dividends

2.2%

Current Dividend Yield

24%

Payout Ratio

Does TRV pay a reliable dividends?

See TRV dividend history and benchmarks

When do you need to buy TRV by to receive an upcoming dividend?
Travelers Companies dividend dates
Ex Dividend Date	Sep 08 2022
Dividend Pay Date	Sep 30 2022
Days until Ex dividend	26 days
Days until Dividend pay date	48 days