Financial Ratios The Travelers Companies, inc.

Equities

TRV

US89417E1091

Property & Casualty Insurance

Market Closed - Nyse Other stock markets 16:00:02 2026-02-12 EST			5-day change	1st Jan Change
297.43 ^USD	-0.54%		-0.96%	+2.54%

02-11	TIM and Italgas Push Higher, but the Mib Remains Bearish	AN
02-10	AIG's quarterly profit rises on stronger underwriting, lower catastrophe charges	RE

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Published financial data: THE TRAVELERS COMPANIES, INC.

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2020	2021	2022	2023	2024
Premiums and Annuity Revenues	29.04B	30.86B	33.76B	37.76B	41.94B
Total Interest And Dividend Income	2.23B	3.03B	2.56B	2.92B	3.59B
Gain (Loss) on Sale of Investments, Total (Rev)	2M	171M	-204M	-105M	-30M
Other Revenues, Total	708M	757M	763M	786M	922M
Total Revenues	31.98B	34.82B	36.88B	41.36B	46.42B
Policy Benefits	19.12B	20.3B	22.85B	26.22B	27.06B
Policy Acquisition / Underwriting Costs, Total	4.77B	5.04B	5.52B	6.23B	6.97B
Selling General & Admin Expenses, Total	4.51B	4.68B	4.81B	5.18B	5.82B
Total Operating Expenses	28.4B	30.02B	33.18B	37.62B	39.85B
Operating Income	3.58B	4.8B	3.7B	3.75B	6.57B
Interest Expense, Total	-339M	-340M	-351M	-376M	-392M
EBT, Excl. Unusual Items	3.24B	4.46B	3.35B	3.37B	6.18B
Legal Settlements	-	-	-	-	-
EBT, Incl. Unusual Items	3.24B	4.46B	3.35B	3.37B	6.18B
Income Tax Expense	540M	796M	512M	380M	1.18B
Earnings From Continuing Operations	2.7B	3.66B	2.84B	2.99B	5B
Net Income to Company	2.7B	3.66B	2.84B	2.99B	5B
Net Income - (IS)	2.7B	3.66B	2.84B	2.99B	5B
Preferred Dividend and Other Adjustments	19M	27M	20M	22M	38M
Net Income to Common Incl Extra Items	2.68B	3.64B	2.82B	2.97B	4.96B
Net Income to Common Excl. Extra Items	2.68B	3.64B	2.82B	2.97B	4.96B
Per Share Items
Net EPS - Basic	10.56	14.63	11.91	12.93	21.76
Basic EPS - Continuing Operations	10.56	14.63	11.91	12.93	21.76
Basic Weighted Average Shares Outstanding	254M	248M	237M	230M	228M
Net EPS - Diluted	10.52	14.49	11.77	12.79	21.47
Diluted EPS - Continuing Operations	10.52	14.49	11.77	12.79	21.47
Diluted Weighted Average Shares Outstanding	255M	251M	240M	232M	231M
Normalized Basic EPS	7.98	11.21	8.84	9.17	16.94
Normalized Diluted EPS	7.95	11.11	8.75	9.07	16.71
Dividend Per Share	3.37	3.49	3.67	3.93	4.15
Payout Ratio	31.92	23.73	30.79	30.36	19.02
American Depositary Receipts Ratio (ADR)	0.5	0.5	0.5	0.5	0.5
Supplemental Items
EBITDA	4.36B	5.67B	4.53B	4.47B	7.29B
EBITA	3.59B	4.81B	3.72B	3.76B	6.59B
EBIT	3.58B	4.8B	3.7B	3.75B	6.57B
EBITDAR	4.46B	5.76B	4.61B	4.55B	7.36B
Total Revenues (As Reported)	31.98B	34.82B	36.88B	41.36B	46.42B
Effective Tax Rate - (Ratio)	16.68	17.86	15.27	11.27	19.11
Current Domestic Taxes	536M	665M	644M	484M	1.27B
Current Foreign Taxes	35M	67M	97M	20M	70M
Total Current Taxes	571M	732M	741M	504M	1.34B
Deferred Domestic Taxes	-29M	62M	-186M	-163M	-152M
Deferred Foreign Taxes	-2M	2M	-43M	39M	-3M
Total Deferred Taxes	-31M	64M	-229M	-124M	-155M
Normalized Net Income	2.02B	2.79B	2.1B	2.11B	3.86B
Non-Cash Pension Expense	-69M	-83M	-147M	-136M	-119M
Supplemental Operating Expense Items
General and Administrative Expenses	4.41B	4.59B	4.73B	5.1B	5.74B
Net Rental Expense, Total	97M	90M	83M	79M	76M
Imputed Operating Lease Interest Expense	39.06M	34.55M	31.37M	30.53M	29.17M
Imputed Operating Lease Depreciation	57.94M	55.45M	51.63M	48.47M	46.83M
Stock-Based Comp., Other (Total)	148M	162M	183M	214M	260M
Total Stock-Based Compensation	148M	162M	183M	214M	260M

Fiscal Period: December	2020	2021	2022	2023	2024
Assets
Investment In Debt Securities	73.98B	77.8B	71.16B	77.81B	83.67B
Investment In Equity and Preferred Securities, Total	478M	907M	1.1B	608M	687M
Real Estate Owned	1.03B	979M	952M	959M	902M
Total Other Investments	8.94B	7.69B	7.24B	9.44B	8.97B
Total investments	84.42B	87.37B	80.45B	88.81B	94.22B
Cash And Equivalents	721M	761M	799M	650M	699M
Reinsurance Recoverable - (IS)	8.35B	8.45B	8.06B	8.14B	8B
Other Receivables - (Insurance Template)	8.43B	8.7B	9.6B	10.97B	11.86B
Deferred Policy Acquisition Costs - (BS)	2.36B	2.54B	2.84B	3.31B	3.49B
Goodwill	3.98B	4.01B	3.95B	3.98B	4.23B
Other Intangibles, Total	317M	306M	287M	277M	360M
Deferred Tax Assets Current	-	-	1.88B	-	-
Other Current Assets, Total	4.24B	3.89B	3.58B	3.25B	3.17B
Deferred Tax Assets Long-Term (Collected)	-	-	-	1.5B	1.76B
Other Long-Term Assets, Total	3.95B	4.43B	4.27B	5.09B	5.38B
Total Assets	117B	120B	116B	126B	133B
Liabilities
Insurance And Annuity Liabilities	359M	245M	246M	260M	263M
Unpaid Claims	54.52B	56.91B	58.65B	61.63B	64.09B
Unearned Premiums	15.22B	16.47B	18.24B	20.87B	22.29B
Reinsurance Payable - (BS)	357M	384M	419M	518M	550M
Current Portion of Leases	103M	93M	86M	81M	71M
Short-Term Borrowings	100M	100M	100M	100M	100M
Long-Term Debt	6.2B	6.94B	6.94B	7.68B	7.68B
Long-Term Leases	259M	238M	192M	162M	204M
Trust Preferred Securities (BS)	254M	254M	254M	254M	254M
Current Income Taxes Payable	131M	119M	-	285M	301M
Other Current Liabilities - (Brok / FS / Ins. / REIT Template)	1.2B	1.12B	1.09B	1.02B	1.02B
Deferred Tax Liability Non-Current	558M	289M	-	-	-
Other Non Current Liabilities	8.3B	8.42B	7.94B	8.2B	8.5B
Total Liabilities	87.56B	91.58B	94.16B	101B	105B
Common Stock, Total	23.74B	24.15B	24.56B	24.91B	25.45B
Retained Earnings	38.77B	41.56B	43.52B	45.59B	49.63B
Treasury Stock	-35.82B	-38.02B	-40.08B	-41.1B	-42.25B
Comprehensive Income and Other	2.5B	1.19B	-6.44B	-4.47B	-4.97B
Total Common Equity	29.2B	28.89B	21.56B	24.92B	27.86B
Total Equity	29.2B	28.89B	21.56B	24.92B	27.86B
Total Liabilities And Equity	117B	120B	116B	126B	133B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	252M	242M	232M	229M	227M
ECS Total Common Shares Outstanding	252M	241M	232M	228M	227M
Book Value / Share	115.69	119.76	92.89	109.21	122.97
Tangible Book Value	24.91B	24.57B	17.32B	20.67B	23.27B
Tangible Book Value Per Share	98.68	101.88	74.63	90.57	102.7
Total Debt	6.91B	7.62B	7.57B	8.27B	8.31B
Net Debt	6.19B	6.86B	6.77B	7.62B	7.61B
Debt Equivalent of Unfunded Proj. Benefit Obligation	-165M	-565M	-453M	-608M	-903M
Debt Equivalent Oper. Leases	776M	720M	664M	632M	608M
Equity Method Investments, Total	-	-	289M	-	-
Account Code - Inventory Valuation	3	-	3	3	3
Full Time Employees	29.99K	30.18K	31.85K	32.97K	34K
Part Time Employees	612	616	650	333	-

Fiscal Period: December	2020	2021	2022	2023	2024
Net Income	2.7B	3.66B	2.84B	2.99B	5B
Depreciation, Depletion & Amortization	775M	856M	813M	710M	694M
Amortization of Goodwill and Intangible Assets - (CF)	14M	14M	13M	12M	21M
Total Depreciation, Depletion & Amortization	789M	870M	826M	722M	715M
(Gain) Loss on Sale of Investments - (CF)	-2M	-171M	204M	105M	30M
Deferred Policy Acquisition Costs - (CF)	-4.85B	-5.23B	-5.82B	-6.69B	-7.17B
Amort. Of Deferred Policy Acq. Costs - (CF)	4.77B	5.04B	5.52B	6.23B	6.97B
(Income) Loss On Equity Investments - (CF)	-130M	-993M	-336M	-157M	-294M
Change in Accounts Receivable	94M	-258M	-877M	-1.34B	-859M
Reinsurance Recoverable - (CF)	-162M	-101M	344M	-63M	111M
Change in Unearned Revenues	592M	1.25B	1.86B	2.59B	1.49B
Change in insurance Reserves / Liabilities	2.62B	2.39B	2.05B	2.84B	2.68B
Change in Other Net Operating Assets (Collected)	-	-	-	-	-
Other Operating Activities	100M	812M	-141M	484M	404M
Cash from Operations	6.52B	7.27B	6.46B	7.71B	9.07B
Cash Acquisitions	-	-38M	-4M	-	-382M
Sale (Purchase) of Real Estate Properties (Collected)	-113M	3M	-31M	-67M	16M
Investment in Marketable and Equity Securities, Total	-4.4B	-4.86B	-3.33B	-6.21B	-6.55B
Other Investing Activities, Total	-377M	-298M	-364M	-545M	-352M
Cash from Investing	-4.89B	-5.2B	-3.73B	-6.82B	-7.26B
Long-Term Debt Issued, Total	490M	739M	-	738M	-
Total Debt Issued	490M	739M	-	738M	-
Long-Term Debt Repaid, Total	-500M	-	-	-	-
Total Debt Repaid	-500M	-	-	-	-
Issuance of Common Stock	127M	293M	267M	141M	321M
Repurchase of Common Stock	-672M	-2.2B	-2.06B	-1.02B	-1.12B
Common Dividends Paid	-861M	-869M	-875M	-908M	-951M
Common & Preferred Stock Dividends Paid	-861M	-869M	-875M	-908M	-951M
Other Financing Activities, Total	-	-	-	-	-
Cash from Financing	-1.42B	-2.04B	-2.67B	-1.05B	-1.75B
Foreign Exchange Rate Adjustments	16M	-1M	-30M	12M	-14M
Net Change in Cash	227M	40M	38M	-149M	49M
Supplemental Items
Cash Interest Paid	339M	337M	349M	370M	390M
Cash Income Tax Paid (Refund)	578M	707M	817M	201M	1.31B
Net Debt Issued / Repaid	-10M	739M	-	738M	-
Levered Free Cash Flow	12B	15.29B	11.42B	13.51B	16.47B
Unlevered Free Cash Flow	12.21B	15.5B	11.64B	13.75B	16.71B
Change In Net Working Capital	-4.27B	-6.42B	-2.8B	-4.24B	-4.66B

Fiscal Period: December	2020	2021	2022	2023	2024
Profitability
Return on Assets	1.97	2.53	1.96	1.94	3.17
Return on Total Capital	6.51	8.3	7.09	7.55	11.88
Return On Equity %	9.78	12.61	11.27	12.87	18.94
Return on Common Equity	9.71	12.52	11.19	12.78	18.8
Margin Analysis
Gross Profit Margin %	25.28	27.21	23.09	21.57	26.69
SG&A Margin	14.1	13.43	13.04	12.51	12.53
EBITDA Margin %	13.65	16.28	12.28	10.8	15.7
EBITA Margin %	11.23	13.82	10.08	9.09	14.2
EBIT Margin %	11.18	13.78	10.04	9.06	14.16
Income From Continuing Operations Margin %	8.43	10.52	7.71	7.23	10.77
Net Income Margin %	8.43	10.52	7.71	7.23	10.77
Net Avail. For Common Margin %	8.37	10.44	7.65	7.18	10.69
Normalized Net Income Margin	6.33	8	5.68	5.09	8.32
Levered Free Cash Flow Margin	37.52	43.91	30.96	32.67	35.47
Unlevered Free Cash Flow Margin	38.18	44.52	31.56	33.23	36
Asset Turnover
Asset Turnover	0.28	0.29	0.31	0.34	0.36
Receivables Turnover (Average Receivables)	3.97	4.26	4.27	4.24	4.26
Short Term Liquidity
Current Ratio	0.38	0.34	0.35	0.33	0.32
Quick Ratio	0.2	0.17	0.17	0.19	0.19
Operating Cash Flow to Current Liabilities	0.09	0.1	0.08	0.09	0.1
Days Sales Outstanding (Average Receivables)	92.1	85.7	85.44	86.15	85.98
Average Days Payable Outstanding	821.29	808.8	749.43	682.72	682.63
Long Term Solvency
Total Debt/Equity	23.67	26.38	35.11	33.2	29.82
Total Debt / Total Capital	19.14	20.87	25.99	24.93	22.97
LT Debt/Equity	22.98	25.71	34.25	32.47	29.2
Long-Term Debt / Total Capital	18.58	20.35	25.35	24.38	22.5
Total Liabilities / Total Assets	74.99	76.02	81.37	80.22	79.08
EBIT / Interest Expense	10.55	14.11	10.56	9.97	16.77
EBITDA / Interest Expense	13.16	16.94	13.15	12.1	18.78
(EBITDA - Capex) / Interest Expense	13.16	16.94	13.15	12.1	18.78
Total Debt / EBITDA	1.55	1.32	1.64	1.82	1.13
Net Debt / EBITDA	1.39	1.19	1.47	1.68	1.03
Total Debt / (EBITDA - Capex)	1.55	1.32	1.64	1.82	1.13
Net Debt / (EBITDA - Capex)	1.39	1.19	1.47	1.68	1.03
Growth Over Prior Year
Total Revenues, 1 Yr. Growth %	1.27	8.86	5.94	12.15	12.23
Gross Profit, 1 Yr. Growth %	3.03	17.19	-10.13	4.79	38.87
EBITDA, 1 Yr. Growth %	2.83	29.85	-20.06	-1.37	63.06
EBITA, 1 Yr. Growth %	2.66	34.04	-22.73	1.1	75.39
EBIT, 1 Yr. Growth %	2.7	34.17	-22.78	1.13	75.39
Earnings From Cont. Operations, 1 Yr. Growth %	2.86	35.78	-22.39	5.24	67.13
Net Income, 1 Yr. Growth %	2.86	35.78	-22.39	5.24	67.13
Normalized Net Income, 1 Yr. Growth %	3.15	37.72	-24.76	0.51	83.33
Diluted EPS Before Extra, 1 Yr. Growth %	6.05	37.74	-18.77	8.67	67.87
Accounts Receivable, 1 Yr. Growth %	-1.01	3.27	10.35	15.24	8.05
Total Assets, 1 Yr. Growth %	6.03	3.17	-3.94	8.87	5.72
Common Equity, 1 Yr. Growth %	12.56	-1.08	-25.36	15.59	11.81
Tangible Book Value, 1 Yr. Growth %	15.04	-1.34	-29.51	19.32	12.59
Cash From Operations, 1 Yr. Growth %	25.24	11.58	-11.12	19.27	17.68
Levered Free Cash Flow, 1 Yr. Growth %	35.24	41.73	-19.38	10.68	31.88
Unlevered Free Cash Flow, 1 Yr. Growth %	34.38	40.94	-19.04	10.62	31.37
Dividend Per Share, 1 Yr. Growth %	4.33	3.56	5.16	7.08	5.6
Compound Annual Growth Rate Over Two Years
Total Revenues, 2 Yr. CAGR %	2.77	5	7.39	9	12.19
Gross Profit, 2 Yr. CAGR %	3.07	9.88	2.62	-2.96	20.63
EBITDA, 2 Yr. CAGR %	2.98	15.55	1.88	-11.2	26.82
EBITA, 2 Yr. CAGR %	3.83	17.3	1.77	-11.62	33.16
EBIT, 2 Yr. CAGR %	3.89	17.39	1.79	-11.63	33.18
Earnings From Cont. Operations, 2 Yr. CAGR %	3.39	18.18	2.65	-9.62	32.63
Net Income, 2 Yr. CAGR %	3.39	18.18	2.65	-9.62	32.63
Normalized Net Income, 2 Yr. CAGR %	4.56	19.19	1.79	-13.04	35.74
Diluted EPS Before Extra, 2 Yr. CAGR %	6.47	20.86	5.77	-6.05	35.06
Accounts Receivable, 2 Yr. CAGR %	2.13	1.11	6.75	12.77	11.59
Total Assets, 2 Yr. CAGR %	5.84	4.59	-0.45	2.26	7.28
Common Equity, 2 Yr. CAGR %	12.94	5.52	-14.07	-7.12	13.68
Tangible Book Value, 2 Yr. CAGR %	15.68	6.53	-16.61	-8.29	15.91
Cash From Operations, 2 Yr. CAGR %	22	18.22	-0.42	2.96	18.47
Levered Free Cash Flow, 2 Yr. CAGR %	13.14	31.26	2.9	-2.33	16.14
Unlevered Free Cash Flow, 2 Yr. CAGR %	12.81	30.6	2.88	-2.22	15.97
Dividend Per Share, 2 Yr. CAGR %	5.46	3.95	4.36	6.12	6.34
Compound Annual Growth Rate Over Three Years
Total Revenues, 3 Yr. CAGR %	3.43	4.76	5.31	8.95	10.07
Gross Profit, 3 Yr. CAGR %	3.61	7.58	2.76	3.34	9.36
EBITDA, 3 Yr. CAGR %	3.72	11.25	2.2	0.79	8.74
EBITA, 3 Yr. CAGR %	4.88	13.06	2.06	1.55	11.07
EBIT, 3 Yr. CAGR %	4.89	13.14	2.09	1.57	11.06
Earnings From Cont. Operations, 3 Yr. CAGR %	9.47	13.22	2.72	3.51	10.93
Net Income, 3 Yr. CAGR %	9.47	13.22	2.72	3.51	10.93
Normalized Net Income, 3 Yr. CAGR %	5.84	14.61	2.24	1.36	11.5
Diluted EPS Before Extra, 3 Yr. CAGR %	12.8	16.01	5.87	6.73	14
Accounts Receivable, 3 Yr. CAGR %	3.1	2.51	4.1	9.51	11.18
Total Assets, 3 Yr. CAGR %	4.11	4.94	1.67	2.56	3.4
Common Equity, 3 Yr. CAGR %	7.16	8.06	-5.98	-5.15	-1.19
Tangible Book Value, 3 Yr. CAGR %	8.62	9.7	-7.17	-6.03	-1.8
Cash From Operations, 3 Yr. CAGR %	16.26	18.42	7.49	5.76	7.65
Levered Free Cash Flow, 3 Yr. CAGR %	12.8	17.7	8.78	7.8	5.15
Unlevered Free Cash Flow, 3 Yr. CAGR %	12.43	17.33	8.6	7.72	5.15
Dividend Per Share, 3 Yr. CAGR %	5.99	4.82	4.35	5.26	5.94
Compound Annual Growth Rate Over Five Years
Total Revenues, 5 Yr. CAGR %	3.59	4.83	5	6.44	8.01
Gross Profit, 5 Yr. CAGR %	-2.57	2.33	3.21	3.23	9.57
EBITDA, 5 Yr. CAGR %	-5.95	2.07	2.98	1.66	11.41
EBITA, 5 Yr. CAGR %	-6.92	2.27	3.62	2.45	13.52
EBIT, 5 Yr. CAGR %	-6.9	2.26	3.64	2.49	13.55
Earnings From Cont. Operations, 5 Yr. CAGR %	-4.74	3.97	6.69	3.46	13.78
Net Income, 5 Yr. CAGR %	-4.74	3.97	6.69	3.46	13.78
Normalized Net Income, 5 Yr. CAGR %	-7.34	2.57	4.2	2.63	14.52
Diluted EPS Before Extra, 5 Yr. CAGR %	-0.67	7.11	9.93	6.63	16.7
Accounts Receivable, 5 Yr. CAGR %	3.99	3.76	4.55	6.5	7.03
Total Assets, 5 Yr. CAGR %	3.11	3.74	2.26	3.86	3.88
Common Equity, 5 Yr. CAGR %	4.35	4.46	-1.9	1.71	1.44
Tangible Book Value, 5 Yr. CAGR %	4.75	4.87	-2.28	2.12	1.45
Cash From Operations, 5 Yr. CAGR %	13.68	10.23	9.28	11.98	11.76
Levered Free Cash Flow, 5 Yr. CAGR %	14.14	15.75	6.43	7.59	13.17
Unlevered Free Cash Flow, 5 Yr. CAGR %	13.7	15.37	6.26	7.46	12.96
Dividend Per Share, 5 Yr. CAGR %	7.2	5.9	5.34	5.34	5.14