Travelers is a large U.S. property and casualty insurer. It sells commercial insurance (liability, property, workers' comp, and related coverages) primarily to midsize businesses, and personal insurance split roughly evenly between auto and homeowners policies. It makes money by collecting premiums and investing the float, aiming to underwrite profitably across both segments.
Employees34,000IPOFeb 18, 1975SIC6331HQ485 Lexington Avenue, New York, NY, USA, 10017
to
Financials
Profitability
Metric
Current
Margins
Gross Margin
—
Operating Margin
—
EBITDA Margin
23.4%
Net Margin
17.0%
OCF Margin
22.5%
FCF Margin
22.5%
Returns on Capital
ROE
26.1%
ROA
5.8%
ROIC
6.3%
ROCE
0.0%
ROC (Greenblatt)
0.0%
3Y ROIIC
12.0%
Consistency
Years Profitable / 10Y
10
Valuation
Metric
Current
Earnings Multiples
P/E (TTM)
10.43
Forward P/E
11.45
P/E ex-NRI
10.43
Shiller P/E (CAPE)
22.80
Cash Flow Multiples
P/FCF
7.85
P/OCF
7.85
P/Owner Earnings
—
FCF Yield
13.57%
Enterprise Value Multiples
EV / EBIT
8.33
EV / Forward EBIT
—
EV / EBITDA
7.83
EV / Forward EBITDA
—
EV / Revenue
1.83
EV / Forward Revenue
1.83
Asset / Sales
P/S
1.76
P/B
2.45
P/Tangible Book
2.83
Growth-Adjusted
PEG
0.66
Capital Returns
Metric
Current
Dividends
Dividend Yield (TTM)
1.17%
Forward Dividend Yield
1.28%
3Y Dividend Growth
5.8%
Payout Ratio
0.12
5Y Yield on Cost
1.61%
Buybacks & Dilution
3Y Buyback Ratio
2.10%
Combined
Shareholder Yield
6.50%
Balance Sheet
Metric
Current
Leverage
Debt / Equity
0.27
Gross Debt / EBITDA
0.79
Cash / Debt
0.05
Equity / Assets
0.23
Coverage
Interest Coverage
23.66
Short-Term Liquidity
Current Ratio
0.00
Quick Ratio
0.00
Cash Ratio
0.00
Composite Scores
Piotroski F-Score
7
Altman Z-Score
—
Split History
Date
Split
1998-05-12
2:1
1994-06-07
2:1
1986-06-09
2:1
1973-05-29
2:1
Ex-date
Amount
Pay date
2026-09-10
$1.25
2026-09-30
2026-06-10
$1.25
2026-06-30
2026-03-10
$1.1
2026-03-31
2025-12-10
$1.1
2025-12-31
2025-09-10
$1.1
2025-09-30
2025-06-10
$1.1
2025-06-30
2025-03-10
$1.05
2025-03-31
2024-12-10
$1.05
2024-12-31
2024-09-10
$1.05
2024-09-30
2024-06-10
$1.05
2024-06-28
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View allDate
Transcript
Type
2026-07-17
Q2 2026 Travelers Companies Inc Earnings Call Transcript
Earnings Call
2026-04-16
Q1 2026 Travelers Companies Inc Earnings Call Transcript
Earnings Call
2026-01-21
Q4 2025 Travelers Companies Inc Earnings Call Transcript
Earnings Call
2025-10-16
Q3 2025 Travelers Companies Inc Earnings Call Transcript
Earnings Call
2025-07-17
Q2 2025 Travelers Companies Inc Earnings Call Transcript
Earnings Call
2025-04-16
Q1 2025 Travelers Companies Inc Earnings Call Transcript
Earnings Call
2025-01-22
Q4 2024 Travelers Companies Inc Earnings Call Transcript
Earnings Call
2024-10-17
Q3 2024 Travelers Companies Inc Earnings Call Transcript
Earnings Call
2024-07-19
Q2 2024 Travelers Companies Inc Earnings Call Transcript
Earnings Call
2024-04-17
Q1 2024 Travelers Companies Inc Earnings Call Transcript
Earnings Call
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5-Step DuPont Analysis
ROE %
26.51%
×
×
Net Margin %
16.95%
×
×
Operating Margin %
—
Operating Income
—
÷
Revenue
$48.98B
×
Tax Burden
0.8035
Net Income
$8.30B
÷
Pretax Income
$10.33B
×
Interest Burden
—
Pretax Income
$10.33B
÷
Operating Income
—
×
Asset Turnover
0.35
÷
Revenue
$48.98B
÷
Average Total Assets
$141.23B
Begin Total Assets
$138.87B
End Total Assets
$143.58B
×
Equity Multiplier
4.51
÷
Avg Total Assets
$141.23B
÷
Avg Stockholders Equity
$31.32B
Begin Equity
$29.52B
End Equity
$33.12B
Top institutional holders
Q2 2026| Holder | Shares | Chg. shares | |
|---|---|---|---|
| BlackRock, Inc. | 20.9M | -683.4K | $6.92B |
| STATE STREET CORP | 15.7M | -428.0K | $5.18B |
| VANGUARD CAPITAL MANAGEMENT LLC | 13.9M | -163.7K | $4.58B |
| FMR LLC | 10.3M | -1.7M | $3.39B |
| VANGUARD PORTFOLIO MANAGEMENT LLC | 8.3M | +2.9M | $2.74B |
| GEODE CAPITAL MANAGEMENT, LLC | 6.3M | +679.2K | $2.10B |
| MASSACHUSETTS FINANCIAL SERVICES CO /MA/ | 4.2M | -662.4K | $1.40B |
| MORGAN STANLEY | 3.8M | +254.3K | $1.26B |
| DIMENSIONAL FUND ADVISORS LP | 3.6M | +71.3K | $1.17B |
| JPMORGAN CHASE & CO | 3.1M | -613.9K | $1.03B |
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View allTop insider holdings
as reported| Insider | Shares held | |
|---|---|---|
| Schnitzer Alan DOfficer | 314.2K | $122.40M |
| HEYMAN WILLIAM HOfficer | 259.6K | $101.12M |
| OLIVO MARIAOfficer | 118.8K | $46.27M |
| Yin Daniel Tei-HwaOfficer | 68.8K | $26.81M |
| Kess Avrohom J.Officer | 47.7K | $18.60M |
| Klein Michael FrederickOfficer | 45.1K | $17.58M |
| Frey Daniel S.Officer | 27.5K | $10.73M |
| Rowland David DonnayOfficer | 23.2K | $9.02M |
| BESSETTE ANDY FOfficer | 21.3K | $8.30M |
| THOMSEN LAURIE JDirector | — | — |
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View allRecent insider activity
through Sep 30, 2026| Insider | Action | Shares | Date | |
|---|---|---|---|---|
| Robinson ElizabethDirector | Grant/Award (Rule 16b-3(d)) | +123 | $43.8K | Sep 30, 2026 |
| Jabbour Anthony MDirector | Grant/Award (Rule 16b-3(d)) | +65 | $23.2K | Sep 30, 2026 |
| Golden Russell G.Director | Grant/Award (Rule 16b-3(d)) | +130 | $46.3K | Sep 30, 2026 |
| OLIVO MARIAOfficer | Open-Market or Private Sale | -6.0K | $2.22M | Aug 28, 2026 |
| Jabbour Anthony MDirector | Grant/Award (Rule 16b-3(d)) | +446 | $165.2K | Aug 14, 2026 |
| Yin Daniel Tei-HwaOfficer | Option Exercise (Rule 16b-3 Exempt) | +7.2K | $1.01M | Jul 24, 2026 |
| Yin Daniel Tei-HwaOfficer | Open-Market or Private Sale | -7.2K | $2.77M | Jul 24, 2026 |
| Kurtzman DianeOfficer | Option Exercise (Rule 16b-3 Exempt) | +4.2K | $552.1K | Jul 24, 2026 |
| Kurtzman DianeOfficer | Open-Market or Private Sale | -4.2K | $1.61M | Jul 24, 2026 |
| Rowland David DonnayOfficer | Option Exercise (Rule 16b-3 Exempt) | +5.0K | $662.9K | Jul 22, 2026 |
10 of 3,703
View all