TRV$287.89
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Powered by LiveAIOverall Analysis
BuyThe Travelers Companies shows strong financial fundamentals with consistent profitability and a solid balance sheet, supported by a stable insurance market. While recent technical indicators suggest a slight pause, the long-term outlook remains positive, especially with consistent dividend payouts. It is well-positioned within its sector, though it may not benefit from high-growth thematic tailwinds.
Thematic
The Travelers Companies operates in the stable, yet mature, insurance sector. While not directly benefiting from high-growth technological themes like AI or cloud computing, it plays a critical role in risk management, a fundamental aspect of all economic activities. Its business lines are essential but lack the transformative growth potential of tech-focused industries.
Fundamental
The Travelers Companies demonstrates robust financial health with consistent revenue growth, strong profitability metrics, and a well-managed balance sheet. Its solid dividend yield and manageable debt levels contribute to its attractiveness as a stable investment.
Technical
The Travelers Companies is exhibiting a generally bullish technical profile, trading above key moving averages. However, current momentum indicators suggest potential overbought conditions, indicating a possible short-term consolidation phase.
| Factor | Score |
|---|---|
| Insurance Market Stability | 70 |
| Digital Transformation in Insurance | 60 |
| Impact of Climate Change and Catastrophic Events | 40 |
| Interest Rate Sensitivity | 65 |
| Regulatory Landscape | 50 |
| Factor | Score |
|---|---|
| Valuation | 80 |
| Profitability | 85 |
| Growth | 75 |
| Balance Sheet Health | 80 |
| Cash Flow | 95 |
| Dividend Yield | 70 |
| Factor | Score |
|---|---|
| Trend Analysis | 80 |
| Momentum | 50 |
| Support and Resistance | 65 |
| Volume | 75 |
| Short-Term Trend | 40 |
AI Investing Checklist
Powered by LiveAIBullish Points (7)
Attractive Valuation Metrics
Trailing P/E ratio of 11.2 and P/S ratio of 1.2 suggest potential undervaluation compared to historical and industry averages. Annual Net Income for 2024 was $4.999 billion on Revenue of $46.428 billion, with a Net Margin of 10.8%.
Positive Recent Performance
Year-to-date (YTD) performance is 9.65%, and 1-year performance is 24.58%, indicating strong recent market acceptance and growth.
Bearish Points (7)
Missed Earnings Estimates
Reported EPS of $4.69 in Q2 2024 missed the estimate of $4.90 by 4.24%. Multiple past quarters also show significant negative surprises (e.g., Q3 2023 at -97.12%).
Volatile Quarterly P/E Ratios
Quarterly P/E ratios are highly variable, with Q2 2025 showing 39.9 and Q1 2025 at 150.1, suggesting potential earnings instability or future uncertainty impacting valuation.
Calendar
September 2025
10
Ex-Dividend Date
September 2025
30
Next Dividend Date
October 2025
16
Next Earnings Date
H: $6.97
A: $5.50
L: $4.69
H: 11.37B
A: 11.15B
L: 11.08B
Profile
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. This segment operates through select accounts, which serve small businesses; commercial accounts that serve mid-sized businesses; national accounts, which serve large companies; and national property and other that serve large and mid-sized customers, commercial trucking industry, and agricultural businesses, as well as markets and distributes its products through brokers, wholesale agents, and program managers. The Bond & Specialty Insurance segment provides surety, fidelity, management and professional liability, and other property and casualty coverages and related risk management services through independent agencies and brokers. The Personal Insurance segment offers property and casualty insurance covering personal risks, primarily automobile and homeowners' insurance to individuals through independent agencies and brokers. The Travelers Companies, Inc. was founded in 1853 and is based in New York, New York.
Seasonals
Price Target
286.32 USD
The 39 analysts offering 1 year price forecasts for TRV have a max estimate of 320.00 and a min estimate of 225.11.
Debt Level and Coverage
Financial Position Analysis
Ownership
Capital Structure
Valuation - Summary
Valuation - Ratios
Revenue to Profit Conversion
Balance Sheet
Income Statement
Cash Flow
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