NYSE · TRV
The Travelers Companies, Inc.
Financial Services · Insurance - Property & Casualty
$360.38▼ 0.35% ($1.26)at close
As of 4:00 PM ET
Market cap
$75.17B
Valuation
P/E Valuation
Verdict: cheap. Price below all scenarios.
Estimated value / share · Base
$444.75
+23%Price vs. estimate range
Assumption scenarios, not confidence intervals
Bear $461.94, Base $444.75, Bull $490.77; price used $360.38
Bear $461.94, Base $444.75, Bull $490.77; price used $360.38
- P/E multiple
- 11.4×
- Earnings basis
- Trailing EPS
USD · Trailing earnings · Price Oct 2, 8:00 PM UTC
Price vs Fundamentals
Why The Stock Is Moving
Note: The most recent financial data is over 3 months old. Metrics shown may not reflect the latest reporting period.
What changed
The stock rose 28.69% over the last year. Revenue grew 2.37% over the trailing twelve months. Operating margin moved from 13.59% to 21.33%. Free cash flow grew 14.46% over the trailing twelve months.
What the market seems to be pricing
The stock is trading toward the richer end of its historical P/FCF range (69th percentile) while business metrics are improving. More of the upside is already embedded in the multiple now.
What would invalidate this read
Operating margin is at 21.33% — continued expansion would be needed to justify the premium. Revenue growth of 2.37% is encouraging, but any deceleration puts the stretched multiple at risk. This read changes if revenue, margins, and cash flow continue to improve faster than expected — in that case the richer multiple could still prove conservative.
Return analysis
Company profile
The Travelers Companies, Inc., through its network of subsidiaries, delivers a broad spectrum of commercial and personal property and casualty insurance products and services.
Market multiples
Stock splits
Every 1 shares became 2
Every 1 shares became 2
Every 1 shares became 2
Profitability & growth
Standard profitability metrics can be misleading for financial/insurance companies. GAAP requires unrealized investment gains/losses in net income (affecting ROE), and margins are blended across diverse business segments.
Analyst consensus
11
Buy
29
Hold
4
Sell
Analyst ratings tend to be lagging indicators. Use as one signal among many.
Earnings
Full quarter-by-quarter history of actuals vs estimates. Switch into compare mode to inspect one metric year-over-year.
Next report
Oct 16, 2026
Q3 FY26 · EPS est $6.92 · Revenue est $11.31B
View
Institutional Sentiment
The Travelers Companies, Inc. · TRV
From Form 13F filings (managers with $100M+). Filings land up to 45 days after quarter end — read this as positioning context, not live fund flow.