The Travelers Companies, Inc.

$ 307.81 0.57 %

The Travelers Companies, Inc., through its network of subsidiaries, delivers a broad spectrum of commercial and personal property and casualty insurance products and services. These offerings cater to businesses, government entities, associations, and individual clients both within the United States and internationally. The company's operations are divided into three primary segments: Business Insurance, Bond & Specialty Insurance, and Personal Insurance. The Business Insurance segment provides a comprehensive portfolio of commercial coverages, ranging from foundational offerings like workers' compensation, commercial auto, property, general liability, multi-peril, and employers' liability, to more specialized policies. These specialized offerings include public and product liability, professional indemnity, marine, aviation, onshore and offshore energy, construction, terrorism, personal accident, and even kidnap and ransom insurance. This segment serves a diverse clientele, from small and mid-sized enterprises to large corporations, and also focuses on sectors like commercial trucking and agriculture. Its products are distributed through a robust network of independent brokers, wholesale agents, and program managers. The Bond & Specialty Insurance segment focuses on providing surety and fidelity bonds, as well as management and professional liability insurance. Additionally, it offers other property and casualty coverages paired with crucial risk management services. Distribution for this segment is handled via independent agencies and brokers. Lastly, the Personal Insurance segment addresses individual needs by offering property and casualty insurance for personal risks. Its primary focus areas are automobile and homeowners insurance, which are also made available to consumers through independent agencies and brokers. Founded in 1853, The Travelers Companies, Inc. maintains its headquarters in New York, New York.

CEO: Alan David Schnitzer - https://www.travelers.com

Price objectif

$310.4 0.84 %

Recommandation

Hold

DCF

$ 1 009.38

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TRV vs S&P500

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Quick ratio

1.31

suggests a healthy liquidity position, showing that the company can likely meet its short-term obligations.

P/E ratio

9.16

may indicate that the company is undervalued or has poor growth prospects.

EPS

33.61

is the net profit of a company divided by the number of outstanding shares, indicating the profit earned per share.

ROE

24.14 %

is generally considered excellent, indicating that the company is generating strong profits with its equity.

ROIC

15.70 %

generates a return higher than the cost of its capital, thereby creating value for its investors.

WACC

6.25

is a company's average cost of capital, weighted by the proportion of debt and equity in its financing. It represents the minimum return the company must generate to satisfy its investors.

Debt-to-Equity Ratio

0.29

indicates that the company uses more equity than debt, suggesting prudent management.

Free cash flow per share

53.18

is a measure of a company's financial flexibility that is determined by dividing free cash flow by the total number of shares outstanding.

Dividend payout ratio

12.84 %

indicates that the company is retaining a large portion of its profits to reinvest in growth

Earnings per share

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Financials

Piotroski score
7 indicates good financial health
Altman score
1.73 indicates a high risk of bankruptcy
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Cash / Debt

Cash Ratio
0.01 indicates liquidity risk, as the company may not have enough cash to meet its immediate obligations
Debt Ratio
0.07 indicates that the company uses little debt to finance its assets, suggesting good financial stability
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Free Cash Flow

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Earnings Per Share (annual)

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Sales

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