-0.17%
3.40%
1.28%
15.09%
17.85%
49.89%
89.25%
AI Spotlight on TRV
Company Description
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.
Market Data
| Last Price | 249.09 |
| Change Percentage | -0.17% |
| Open | 252.1 |
| Previous Close | 249.52 |
| Market Cap ( Millions) | 56548 |
| Volume | 835744 |
| Year High | 269.56 |
| Year Low | 200.21 |
| M A 50 | 248.59 |
| M A 200 | 229.69 |
Financial Ratios
| FCF Yield | 16.12% |
| Dividend Yield | 1.67% |
| ROE | 23.36% |
| Debt / Equity | 0.00% |
| Net Debt / EBIDTA | 0.00% |
| Price To Book | 249.97 |
| Price Earnings Ratio | 12.47 |
| Price To FCF | 6.2 |
| Price To sales | 1.25 |
| EV / EBITDA | 3.81 |
News
- Jan -25 - 2 Stocks to Watch After Crushing Q4 EPS Expectations: ALK, TRV
- Jan -22 - Travelers Q4 Earnings Surpass Estimates on Higher Underwriting Gain
- Jan -22 - The Travelers Companies, Inc. (TRV) Q4 2024 Earnings Call Transcript
- Jan -22 - Travelers Stock Jumps as Higher Premiums Drive Better-than-Estimated Results
- Jan -22 - Compared to Estimates, Travelers (TRV) Q4 Earnings: A Look at Key Metrics
- Jan -22 - Travelers (TRV) Q4 Earnings and Revenues Surpass Estimates
- Jan -22 - Travelers' stock jumps after earnings blow past estimates
- Jan -21 - 3 Must-Buy U.S. Corporate Giants Ahead of Q4 Earnings This Week
- Jan -20 - Travelers to Report Q4 Earnings: Is a Beat in the Cards?
- Jan -17 - Travelers Commits $1 Million to California Wildfire Relief and Recovery Efforts
- Jan -16 - 5 U.S. Giants to Buy With Robust EPS Estimate Revision in Last 30 Days
- Jan -16 - Travelers (TRV) Q4 Earnings on the Horizon: Analysts' Insights on Key Performance Measures
- Jan -16 - Insurance Fallout Of The California Fires
- Jan -15 - TRV Stock Trades Below 50-Day SMA: Should You Still Buy It?
- Jan -14 - Down -5.25% in 4 Weeks, Here's Why You Should You Buy the Dip in Travelers (TRV)
- Jan -14 - Best Growth Stocks to Buy for January 14th
- Jan -14 - Best Value Stocks to Buy for January 14th
- Jan -13 - Travelers: Undervalued Gem Expecting Strong Future Earnings
- Jan -13 - Travelers Institute Launches Forces at Work℠ Initiative to Address Evolving Labor Market and Workplace Trends
- Jan -13 - 2 insurance stocks to buy at a bargain amid LA fires sell-off
Business Breakdown
Expected Mid-Term Growth
Segment n°1 -> Business Insurance
Expected Growth : 4.5 %
What the company do ?
Why we expect these perspectives ?
The 4.5% growth in Business Insurance from The Travelers Companies, Inc. is driven by increasing demand for risk management solutions, expansion into new markets, and a strong focus on digital transformation. Additionally, strategic acquisitions and a favorable regulatory environment contribute to the segment's growth.
Segment n°2 -> Personal Insurance
Expected Growth : 4.8 %
What the company do ?
Why we expect these perspectives ?
The 4.8% growth in Personal Insurance at The Travelers Companies, Inc. is driven by increasing demand for auto and homeowners insurance, expansion into new markets, and a focus on digital transformation to enhance customer experience. Additionally, strategic partnerships and investments in data analytics have improved underwriting and pricing capabilities, contributing to premium growth.
Segment n°3 -> Bond and Specialty Insurance
Expected Growth : 5.2 %
What the company do ?
Why we expect these perspectives ?
The 5.2% growth in Bond and Specialty Insurance at The Travelers Companies, Inc. is driven by increasing demand for surety bonds, growth in construction and infrastructure projects, and rising adoption of cyber insurance products. Additionally, strategic partnerships, geographic expansion, and a strong brand reputation contribute to the segment's growth.
The Travelers Companies, Inc. Products
| Product Range | What is it ? |
|---|---|
| Personal Insurance | Provides coverage for individuals and families, including auto, home, umbrella, and other personal insurance products. |
| Business Insurance | Offers a range of insurance products and services to businesses of all sizes, including property, liability, workers compensation, and other commercial insurance products. |
| Bond and Specialty Insurance | Provides specialized insurance products and services, including surety bonds, management liability, and professional liability insurance. |
| Workers Compensation | Offers insurance coverage for employers to provide wage replacement and medical benefits to employees who are injured on the job. |
The Travelers Companies, Inc.'s Porter Forces
Threat Of Substitutes
The threat of substitutes for The Travelers Companies, Inc. is medium due to the presence of alternative insurance providers and financial institutions that offer similar products and services.
Bargaining Power Of Customers
The bargaining power of customers is low due to the complexity of insurance products and the lack of price sensitivity among customers, giving Travelers an upper hand in negotiations.
Bargaining Power Of Suppliers
The bargaining power of suppliers is medium due to the presence of multiple vendors and service providers, but Travelers' large scale of operations gives it some negotiating power.
Threat Of New Entrants
The threat of new entrants is low due to the high barriers to entry in the insurance industry, including regulatory requirements, capital requirements, and the need for established distribution networks.
Intensity Of Rivalry
The intensity of rivalry is high due to the presence of established competitors, such as Allstate and State Farm, and the need for Travelers to differentiate itself through product offerings, pricing, and customer service.
Capital Structure
| Value | |
|---|---|
| Debt Weight | 24.56% |
| Debt Cost | 5.12% |
| Equity Weight | 75.44% |
| Equity Cost | 7.11% |
| WACC | 6.62% |
| Leverage | 32.55% |
The Travelers Companies, Inc. : Quality Control
The Travelers Companies, Inc. passed 6 out of 9 key points:
Historical Valuation
Price/Earnings Ratio
Margin Valuation
Peers Valuation
Competitors
| Company | Rational |
|---|---|
| CINF | Cincinnati Financial Corporation, together with its subsidiaries, provides property casualty insurance products in the United States. The company operates through five segments: Commercial Lines Insurance, Personal Lines Insurance, Excess and … |
| CNA | CNA Financial Corporation provides commercial property and casualty insurance products primarily in the United States. It operates through Specialty, Commercial, International, Life & Group, and Corporate & Other segments. The … |
| FFH.TO | Fairfax Financial Holdings Limited, through its subsidiaries, provides property and casualty insurance and reinsurance, and investment management services in the United States, Canada, Asia, and internationally. The company operates through … |
| PGR | The Progressive Corporation, an insurance holding company, provides personal and commercial auto, personal residential and commercial property, general liability, and other specialty property-casualty insurance products and related services in the … |
| ALL | The Allstate Corporation, together with its subsidiaries, provides property and casualty, and other insurance products in the United States and Canada. The company operates through Allstate Protection; Protection Services; Allstate … |
Peers Metrics
DCF BETA
Expected Cash-Flows
Scoring Insights
Peers Group Analysis
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CNA Financial
A-Score
1-Year Total Return ->
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Travelers
A-Score
1-Year Total Return ->
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Cincinnati Financial
A-Score
1-Year Total Return ->
4
Allstate
A-Score
1-Year Total Return ->
5
Fairfax Financial Holdings
A-Score
1-Year Total Return ->
6
