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Travelers Companies (TRV) Financials

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$267.64 +0.23 (+0.08%)
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Annual Income Statements for Travelers Companies

Annual Income Statements for Travelers Companies

This table shows Travelers Companies' income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Net Income / (Loss) Attributable to Common Shareholders		 3,439 3,014 2,056 2,523 2,622 2,697 3,662 2,842 2,991 4,999
Consolidated Net Income / (Loss)		 3,439 3,014 2,056 2,523 2,622 2,697 3,662 2,842 2,991 4,999
Net Income / (Loss) Continuing Operations		 3,439 3,014 2,056 2,523 2,622 2,697 3,662 2,842 2,991 4,999
Total Pre-Tax Income 		4,740 4,053 2,730 2,961 3,138 3,237 4,458 3,354 3,371 6,180
Total Revenue		 26,442 27,262 28,533 29,930 31,237 31,642 34,476 36,533 40,988 46,031
Net Interest Income / (Expense)		 -373 -363 -369 -352 -344 -339 -340 -351 -376 -392
Total Interest Income		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Interest Expense		 373 363 369 352 344 339 340 351 376 392
Other Interest Expense		 - 363 369 352 344 - - - - 392
Total Non-Interest Income		 26,815 27,625 28,902 30,282 31,581 31,981 34,816 36,884 41,364 46,423
Other Service Charges		 559 721 606 635 728 708 757 763 786 922
Net Realized & Unrealized Capital Gains on Investments		 2,382 2,370 2,613 2,588 2,581 2,229 3,204 2,358 2,817 3,560
Premiums Earned		 23,874 24,534 25,683 27,059 28,272 29,044 30,855 33,763 37,761 41,941
Total Non-Interest Expense		 21,702 23,209 25,803 26,969 28,099 28,405 30,018 33,179 37,617 39,851
Property & Liability Insurance Claims		 13,723 15,070 17,467 18,291 19,133 19,123 20,298 22,854 26,215 27,059
Other Operating Expenses		 4,094 4,154 4,170 4,297 4,365 4,509 4,677 4,810 5,176 5,819
Amortization Expense		 3,885 3,985 4,166 4,381 4,601 4,773 5,043 5,515 6,226 6,973
Income Tax Expense		 1,301 1,039 674 438 516 540 796 512 380 1,181
Basic Earnings per Share		 $10.99 $10.39 $7.39 $9.37 $10.01 $10.56 $14.63 $11.91 $12.93 $21.76
Weighted Average Basic Shares Outstanding		 310.60M 288.10M 276M 267.40M 260M 253.50M 248.50M 237M 229.70M 228M
Diluted Earnings per Share		 $10.88 $10.28 $7.33 $9.28 $9.92 $10.52 $14.49 $11.77 $12.79 $21.47
Weighted Average Diluted Shares Outstanding		 313.90M 291M 278.60M 269.80M 262.30M 254.60M 250.80M 239.70M 232.20M 231.10M
Weighted Average Basic & Diluted Shares Outstanding		 312.90M 290.10M 278.20M 269.30M 255.03M 252.21M 241.50M 232.09M 229.13M 226.73M
Cash Dividends to Common per Share		 $2.38 $2.62 $2.83 $3.03 $3.23 $3.37 $3.49 $3.67 $3.93 $4.15

Quarterly Income Statements for Travelers Companies

This table shows Travelers Companies' income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025
Period end date 9/30/2022 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 454 819 975 -14 404 1,626 1,123 534 1,260 2,082 395
Consolidated Net Income / (Loss)		 454 819 975 -14 404 1,626 1,123 534 1,260 2,082 395
Net Income / (Loss) Continuing Operations		 454 819 975 -14 404 1,626 1,123 534 1,260 2,082 395
Total Pre-Tax Income 		528 987 928 -48 472 2,019 1,370 656 1,560 2,594 468
Total Revenue		 9,215 9,548 9,616 10,006 10,537 10,829 11,130 11,185 11,806 11,910 11,711
Net Interest Income / (Expense)		 -88 -88 -88 -92 -98 -98 -98 -98 -98 -98 -99
Total Interest Income		 0.00 - 0.00 0.00 0.00 - 0.00 0.00 0.00 - 0.00
Total Interest Expense		 88 88 88 92 98 98 98 98 98 98 99
Long-Term Debt Interest Expense		 88 - 88 92 - - 98 98 98 - 99
Total Non-Interest Income		 9,303 9,636 9,704 10,098 10,635 10,927 11,228 11,283 11,904 12,008 11,810
Other Service Charges		 188 187 181 205 213 187 221 220 241 240 231
Net Realized & Unrealized Capital Gains on Investments		 500 632 669 677 704 767 881 820 959 900 869
Premiums Earned		 8,615 8,817 8,854 9,216 9,718 9,973 10,126 10,243 10,704 10,868 10,710
Total Non-Interest Expense		 8,687 8,561 8,688 10,054 10,065 8,810 9,760 10,529 10,246 9,316 11,243
Property & Liability Insurance Claims		 6,088 5,924 5,959 7,227 7,149 5,880 6,656 7,373 6,996 6,034 8,006
Other Operating Expenses		 1,193 1,203 1,267 1,308 1,312 1,289 1,406 1,478 1,460 1,475 1,459
Amortization Expense		 1,406 1,434 1,462 1,519 1,604 1,641 1,698 1,678 1,790 1,807 1,778
Income Tax Expense		 74 168 -47 -34 68 393 247 122 300 512 73
Basic Earnings per Share		 $1.91 $3.51 $4.18 ($0.07) $1.75 $7.07 $4.87 $2.32 $5.50 $9.07 $1.73
Weighted Average Basic Shares Outstanding		 235.40M 237M 231.70M 229.70M 228.80M 229.70M 229M 228.60M 227.40M 228M 226.90M
Diluted Earnings per Share		 $1.89 $3.46 $4.13 ($0.07) $1.74 $6.99 $4.80 $2.29 $5.42 $8.96 $1.70
Weighted Average Diluted Shares Outstanding		 237.90M 239.70M 234.40M 229.70M 231.10M 232.20M 232M 231.50M 230.60M 231.10M 230.40M
Weighted Average Basic & Diluted Shares Outstanding		 234.35M 232.09M 230.98M 228.94M 228.40M 229.13M 228.99M 227.93M 227.02M 226.73M 226.57M
Cash Dividends to Common per Share		 $0.93 - $0.93 $1.00 $1.00 - $1.00 $1.05 $1.05 - $1.05

Annual Cash Flow Statements for Travelers Companies

This table details how cash moves in and out of Travelers Companies' business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Net Change in Cash & Equivalents		 6.00 -73 37 29 121 227 40 38 -149 49
Net Cash From Operating Activities		 3,434 4,469 4,148 4,380 5,205 6,519 7,274 6,465 7,711 9,074
Net Cash From Continuing Operating Activities		 3,434 4,469 4,148 4,380 5,205 6,519 7,274 6,465 7,711 9,074
Net Income / (Loss) Continuing Operations		 3,439 3,014 2,056 2,523 2,622 2,697 3,662 2,842 2,991 4,999
Consolidated Net Income / (Loss)		 3,439 3,014 2,056 2,523 2,622 2,697 3,662 2,842 2,991 4,999
Depreciation Expense		 818 826 813 803 763 789 870 826 722 715
Amortization Expense		 3,885 3,985 4,166 4,381 4,601 4,773 5,043 5,515 6,226 6,973
Non-Cash Adjustments to Reconcile Net Income		 -48 266 -233 -592 138 -32 -352 -273 432 140
Changes in Operating Assets and Liabilities, net		 -4,660 -3,622 -2,654 -2,735 -2,919 -1,708 -1,949 -2,445 -2,660 -3,753
Net Cash From Investing Activities		 317 -1,727 -2,202 -2,329 -2,902 -4,892 -5,196 -3,728 -6,821 -7,264
Net Cash From Continuing Investing Activities		 317 -1,727 -2,202 -2,329 -2,902 -4,892 -5,196 -3,728 -6,821 -7,264
Purchase of Investment Securities		 -13,439 -12,825 -14,062 -14,310 -12,691 -15,681 -17,754 -16,693 -18,483 -18,120
Sale and/or Maturity of Investments		 13,756 11,098 11,860 12,303 9,789 10,789 12,558 12,965 11,662 10,856
Net Cash From Financing Activities		 -3,733 -2,806 -1,920 -2,012 -2,187 -1,416 -2,037 -2,669 -1,051 -1,747
Net Cash From Continuing Financing Activities		 -3,733 -2,806 -1,920 -2,012 -2,187 -1,416 -2,037 -2,669 -1,051 -1,747
Issuance of Debt		 392 491 789 591 492 490 739 0.00 738 0.00
Repurchase of Common Equity		 -3,150 -2,400 -1,378 -1,270 -1,500 -625 -2,156 -2,000 -958 -1,003
Payment of Dividends		 -739 -757 -785 -814 -844 -861 -869 -875 -908 -951
Other Financing Activities, Net		 164 260 111 81 165 80 249 206 77 207
Effect of Exchange Rate Changes		 -12 -9.00 11 -10 5.00 16 -1.00 -30 12 -14
Cash Interest Paid		 365 358 367 347 338 339 337 349 370 390
Cash Income Taxes Paid		 1,207 892 514 408 428 578 707 817 201 1,310

Quarterly Cash Flow Statements for Travelers Companies

This table details how cash moves in and out of Travelers Companies' business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025
Period end date 9/30/2022 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025
Net Change in Cash & Equivalents		 63 26 -32 -162 -12 57 17 62 43 -73 25
Net Cash From Operating Activities		 2,484 1,340 1,012 1,549 3,046 2,104 1,458 1,677 3,875 2,064 1,360
Net Cash From Continuing Operating Activities		 2,484 1,340 1,012 1,549 3,046 2,104 1,458 1,677 3,875 2,064 1,360
Net Income / (Loss) Continuing Operations		 454 819 975 -14 404 1,626 1,123 534 1,260 2,082 395
Consolidated Net Income / (Loss)		 454 819 975 -14 404 1,626 1,123 534 1,260 2,082 395
Depreciation Expense		 195 187 204 179 169 170 196 182 174 163 188
Amortization Expense		 1,406 1,434 1,462 1,519 1,604 1,641 1,698 1,678 1,790 1,807 1,778
Non-Cash Adjustments to Reconcile Net Income		 395 -23 -693 -19 652 492 -644 -384 785 383 -860
Changes in Operating Assets and Liabilities, net		 34 -1,077 -936 -116 217 -1,825 -915 -333 -134 -2,371 -141
Net Cash From Investing Activities		 -1,687 -674 -455 -1,857 -2,725 -1,784 -1,037 -1,143 -3,391 -1,693 -808
Net Cash From Continuing Investing Activities		 -1,687 -674 -455 -1,857 -2,725 -1,784 -1,037 -1,143 -3,391 -1,693 -808
Purchase of Investment Securities		 -4,798 -3,637 -4,642 -4,021 -6,245 -3,575 -4,329 -3,804 -5,653 -4,334 -4,540
Sale and/or Maturity of Investments		 3,111 2,963 4,187 2,164 3,520 1,791 3,292 2,661 2,262 2,641 3,732
Net Cash From Financing Activities		 -710 -658 -593 138 -323 -273 -399 -472 -454 -422 -535
Net Cash From Continuing Financing Activities		 -710 -658 -593 138 -323 -273 -399 -472 -454 -422 -535
Repurchase of Common Equity		 -500 -500 -398 -396 -100 -64 -250 -249 -248 -256 -250
Payment of Dividends		 -220 -219 -215 -232 -229 -232 -229 -244 -238 -240 -240
Other Financing Activities, Net		 10 61 20 28 6.00 23 80 21 32 74 -45
Effect of Exchange Rate Changes		 -24 18 4.00 8.00 -10 10 -5.00 - 13 -22 8.00
Cash Interest Paid		 60 115 60 115 59 136 60 135 60 135 61
Cash Income Taxes Paid		 111 154 -16 155 13 49 24 831 92 363 24

Annual Balance Sheets for Travelers Companies

This table presents Travelers Companies' assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Total Assets		 100,184 100,245 103,483 104,233 110,122 116,764 120,466 115,717 125,978 133,189
Cash and Due from Banks		 380 307 344 373 494 721 761 799 650 699
Trading Account Securities		 61,363 61,247 63,147 63,832 68,559 74,003 78,703 71,967 78,415 84,353
Loans and Leases, Net of Allowance		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Accrued Investment Income		 642 630 606 624 618 603 615 650 688 752
Unearned Premiums Asset		 16,003 15,598 16,004 16,454 16,833 16,951 17,439 18,009 19,575 20,312
Deferred Acquisition Cost		 1,849 1,923 2,025 2,120 2,273 2,358 2,542 2,836 3,306 3,494
Goodwill		 3,573 3,580 3,951 3,937 3,961 3,976 4,008 3,952 3,976 4,233
Intangible Assets		 279 268 342 345 330 317 306 287 277 360
Other Assets		 16,095 16,692 17,064 16,548 17,054 17,351 16,092 17,217 19,091 18,986
Total Liabilities & Shareholders' Equity		 100,184 100,245 103,483 104,233 110,122 116,764 120,466 115,717 125,978 133,189
Total Liabilities		 76,586 77,024 79,752 81,339 84,179 87,563 91,579 94,157 101,057 105,325
Short-Term Debt		 4,374 4,609 4,775 4,785 4,619 4,261 3,911 3,596 3,269 3,189
Long-Term Debt		 6,344 6,437 6,571 6,564 6,558 6,550 7,290 7,292 8,031 8,033
Claims and Claim Expense		 48,295 47,949 49,650 50,668 51,849 54,521 56,907 58,649 61,627 64,093
Unearned Premiums Liability		 12,267 12,602 13,189 13,844 14,967 15,578 16,853 18,659 21,390 22,839
Other Long-Term Liabilities		 5,306 5,427 5,567 5,478 6,186 6,653 6,618 5,961 6,740 7,171
Total Equity & Noncontrolling Interests		 23,598 23,221 23,731 22,894 25,943 29,201 28,887 21,560 24,921 27,864
Total Preferred & Common Equity		 23,598 23,221 23,731 22,894 25,943 29,201 28,887 21,560 24,921 27,864
Total Common Equity		 23,598 23,221 23,731 22,894 25,943 29,201 28,887 21,560 24,921 27,864
Common Stock		 22,172 22,614 22,886 23,144 23,469 23,743 24,154 24,565 24,906 25,452
Retained Earnings		 29,945 32,196 33,462 35,204 36,977 38,771 41,555 43,516 45,591 49,630
Treasury Stock		 -28,362 -30,834 -32,274 -33,595 -35,143 -35,815 -38,015 -40,076 -41,105 -42,251
Accumulated Other Comprehensive Income / (Loss)		 -157 -755 -343 -1,859 640 2,502 1,193 -6,445 -4,471 -4,967

Quarterly Balance Sheets for Travelers Companies

This table presents Travelers Companies' assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025
Period end date 9/30/2022 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025
Total Assets		 114,317 115,717 118,352 120,573 121,384 125,978 127,410 129,315 134,588 133,189 135,977
Cash and Due from Banks		 773 799 767 605 593 650 667 729 772 699 724
Trading Account Securities		 68,450 71,967 73,563 73,799 73,157 78,415 78,680 79,832 84,687 84,353 86,044
Loans and Leases, Net of Allowance		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Accrued Investment Income		 583 650 594 649 623 688 648 690 665 752 703
Unearned Premiums Asset		 18,287 18,009 18,934 19,750 20,001 19,575 20,464 21,068 20,848 20,312 21,484
Deferred Acquisition Cost		 2,858 2,836 3,005 3,212 3,330 3,306 3,380 3,508 3,579 3,494 3,540
Goodwill		 3,922 3,952 3,959 3,975 3,955 3,976 4,251 4,250 4,273 4,233 4,245
Intangible Assets		 287 287 285 283 278 277 376 371 368 360 356
Other Assets		 18,383 17,217 17,245 18,300 19,447 19,091 18,944 18,867 19,396 18,986 18,881
Total Liabilities & Shareholders' Equity		 114,317 115,717 118,352 120,573 121,384 125,978 127,410 129,315 134,588 133,189 135,977
Total Liabilities		 94,411 94,157 95,300 98,718 101,406 101,057 102,388 104,453 106,892 105,325 107,786
Short-Term Debt		 3,767 3,596 3,617 3,469 4,294 3,269 4,172 4,161 4,231 3,189 3,210
Long-Term Debt		 7,291 7,292 7,292 8,031 8,031 8,031 8,032 8,032 8,033 8,033 8,033
Claims and Claim Expense		 58,138 58,649 59,064 60,571 61,709 61,627 62,487 63,857 64,746 64,093 65,976
Unearned Premiums Liability		 18,993 18,659 19,904 20,940 21,058 21,390 21,307 22,090 22,783 22,839 23,816
Other Long-Term Liabilities		 6,222 5,961 5,423 5,707 6,314 6,740 6,390 6,313 7,099 7,171 6,751
Total Equity & Noncontrolling Interests		 19,906 21,560 23,052 21,855 19,978 24,921 25,022 24,862 27,696 27,864 28,191
Total Preferred & Common Equity		 19,906 21,560 23,052 21,855 19,978 24,921 25,022 24,862 27,696 27,864 28,191
Total Common Equity		 19,906 21,560 23,052 21,855 19,978 24,921 25,022 24,862 27,696 27,864 28,191
Common Stock		 24,472 24,565 24,703 24,776 24,831 24,906 25,163 25,245 25,339 25,452 25,584
Retained Earnings		 42,917 43,516 44,273 44,026 44,198 45,591 46,483 46,773 47,789 49,630 49,784
Treasury Stock		 -39,575 -40,076 -40,538 -40,938 -41,039 -41,105 -41,493 -41,746 -41,999 -42,251 -42,609
Accumulated Other Comprehensive Income / (Loss)		 -7,908 -6,445 -5,386 -6,009 -8,012 -4,471 -5,131 -5,410 -3,433 -4,967 -4,568

Annual Metrics and Ratios for Travelers Companies

This table displays calculated financial ratios and metrics derived from Travelers Companies' official financial filings.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Growth Metrics		 - - - - - - - - - -
Revenue Growth		 -1.35% 3.10% 4.66% 4.90% 4.37% 1.30% 8.96% 5.97% 12.19% 12.30%
EBITDA Growth		 5.26% -6.13% -13.03% 5.66% 4.38% 3.49% 17.87% -6.52% 6.44% 34.39%
EBIT Growth		 -6.86% -14.49% -32.64% 8.46% 5.98% 3.15% 37.72% -24.76% 0.51% 83.33%
NOPAT Growth		 -6.85% -12.36% -31.79% 22.71% 3.92% 2.86% 35.78% -22.39% 5.24% 67.13%
Net Income Growth		 -6.85% -12.36% -31.79% 22.71% 3.92% 2.86% 35.78% -22.39% 5.24% 67.13%
EPS Growth		 1.68% -5.51% -28.70% 26.60% 6.90% 6.05% 37.74% -18.77% 8.67% 67.87%
Operating Cash Flow Growth		 -49.75% 30.14% -7.18% 5.59% 18.84% 25.25% 11.58% -11.12% 19.27% 17.68%
Free Cash Flow Firm Growth		 19.35% -34.41% -59.32% 169.42% -107.60% 23.53% 1,938.97% 192.30% -107.46% 372.89%
Invested Capital Growth		 -3.46% -0.14% 2.36% -2.38% 8.40% 7.79% 0.19% -19.06% 11.63% 7.91%
Revenue Q/Q Growth		 -0.45% 1.94% 0.90% 1.19% 0.88% 1.07% 1.80% 1.74% 3.23% 2.40%
EBITDA Q/Q Growth		 6.26% 12.15% -4.73% -0.88% 4.61% 7.40% 1.13% -5.38% 13.43% 5.59%
EBIT Q/Q Growth		 -5.03% 2.35% -13.93% -3.71% 11.67% 20.11% 0.77% -16.50% 44.12% 10.26%
NOPAT Q/Q Growth		 -4.76% 2.62% -16.01% 2.85% 10.63% 19.34% 0.63% -15.32% 36.95% 10.04%
Net Income Q/Q Growth		 -4.76% 2.62% -16.01% 2.85% 10.63% 19.34% 0.63% -15.32% 36.95% 10.04%
EPS Q/Q Growth		 -2.51% 4.68% -14.97% 3.57% 11.34% 20.50% 1.54% -13.77% 38.12% 10.10%
Operating Cash Flow Q/Q Growth		 -39.79% 216.95% -15.19% 6.96% 9.79% 8.11% -2.79% -5.16% 11.00% -0.44%
Free Cash Flow Firm Q/Q Growth		 3.02% -0.78% -49.90% -5.17% 4.85% -387.50% 15.71% -14.07% -192.54% 168.53%
Invested Capital Q/Q Growth		 -3.62% -3.35% -0.96% -0.25% 0.41% 1.90% 0.71% 4.79% 12.13% -2.19%
Profitability Metrics		 - - - - - - - - - -
EBITDA Margin		 35.71% 32.51% 27.02% 27.21% 27.22% 27.81% 30.08% 26.54% 25.18% 30.13%
EBIT Margin		 17.93% 14.87% 9.57% 9.89% 10.05% 10.23% 12.93% 9.18% 8.22% 13.43%
Profit (Net Income) Margin		 13.01% 11.06% 7.21% 8.43% 8.39% 8.52% 10.62% 7.78% 7.30% 10.86%
Tax Burden Percent		 72.55% 74.36% 75.31% 85.21% 83.56% 83.32% 82.14% 84.73% 88.73% 80.89%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 27.45% 25.64% 24.69% 14.79% 16.44% 16.68% 17.86% 15.27% 11.27% 19.11%
Return on Invested Capital (ROIC)		 9.85% 8.79% 5.93% 7.28% 7.35% 6.99% 9.14% 7.84% 8.71% 13.28%
ROIC Less NNEP Spread (ROIC-NNEP)		 9.85% 8.79% 5.93% 7.28% 7.35% 6.99% 9.14% 7.84% 8.71% 13.28%
Return on Net Nonoperating Assets (RNNOA)		 4.36% 4.09% 2.83% 3.54% 3.39% 2.79% 3.46% 3.43% 4.16% 5.66%
Return on Equity (ROE)		 14.20% 12.88% 8.76% 10.82% 10.74% 9.78% 12.61% 11.27% 12.87% 18.94%
Cash Return on Invested Capital (CROIC)		 13.37% 8.93% 3.59% 9.69% -0.71% -0.51% 8.95% 28.90% -2.28% 5.67%
Operating Return on Assets (OROA)		 4.66% 4.04% 2.68% 2.85% 2.93% 2.85% 3.76% 2.84% 2.79% 4.77%
Return on Assets (ROA)		 3.38% 3.01% 2.02% 2.43% 2.45% 2.38% 3.09% 2.41% 2.48% 3.86%
Return on Common Equity (ROCE)		 14.20% 12.88% 8.76% 10.82% 10.74% 9.78% 12.61% 11.27% 12.87% 18.94%
Return on Equity Simple (ROE_SIMPLE)		 14.57% 12.98% 8.66% 11.02% 10.11% 9.24% 12.68% 13.18% 12.00% 17.94%
Net Operating Profit after Tax (NOPAT)		 3,439 3,014 2,056 2,523 2,622 2,697 3,662 2,842 2,991 4,999
NOPAT Margin		 13.01% 11.06% 7.21% 8.43% 8.39% 8.52% 10.62% 7.78% 7.30% 10.86%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Operating Expenses to Revenue		 82.07% 85.13% 90.43% 90.11% 89.95% 89.77% 87.07% 90.82% 91.78% 86.57%
Earnings before Interest and Taxes (EBIT)		 4,740 4,053 2,730 2,961 3,138 3,237 4,458 3,354 3,371 6,180
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 9,443 8,864 7,709 8,145 8,502 8,799 10,371 9,695 10,319 13,868
Valuation Ratios		 - - - - - - - - - -
Price to Book Value (P/BV)		 1.20 1.26 1.35 1.22 1.23 1.13 1.26 1.96 1.71 1.96
Price to Tangible Book Value (P/TBV)		 1.43 1.51 1.65 1.50 1.47 1.32 1.48 2.44 2.07 2.35
Price to Revenue (P/Rev)		 1.07 1.07 1.12 0.93 1.02 1.04 1.06 1.15 1.04 1.19
Price to Earnings (P/E)		 8.22 9.72 15.56 11.09 12.16 12.22 9.96 14.84 14.29 10.94
Dividend Yield		 2.56% 2.54% 2.42% 2.87% 2.61% 2.59% 2.35% 2.04% 2.10% 1.72%
Earnings Yield		 12.17% 10.29% 6.43% 9.02% 8.22% 8.18% 10.04% 6.74% 7.00% 9.14%
Enterprise Value to Invested Capital (EV/IC)		 1.13 1.17 1.23 1.14 1.15 1.08 1.17 1.61 1.47 1.67
Enterprise Value to Revenue (EV/Rev)		 1.46 1.47 1.51 1.30 1.36 1.36 1.36 1.43 1.30 1.42
Enterprise Value to EBITDA (EV/EBITDA)		 4.09 4.52 5.58 4.78 5.01 4.89 4.52 5.39 5.17 4.70
Enterprise Value to EBIT (EV/EBIT)		 8.14 9.88 15.75 13.15 13.57 13.30 10.53 15.59 15.84 10.55
Enterprise Value to NOPAT (EV/NOPAT)		 11.23 13.28 20.91 15.44 16.24 15.96 12.81 18.39 17.85 13.04
Enterprise Value to Operating Cash Flow (EV/OCF)		 11.24 8.96 10.37 8.89 8.18 6.60 6.45 8.09 6.92 7.19
Enterprise Value to Free Cash Flow (EV/FCFF)		 8.27 13.07 34.51 11.60 0.00 0.00 13.09 4.99 0.00 30.56
Leverage & Solvency		 - - - - - - - - - -
Debt to Equity		 0.45 0.48 0.48 0.50 0.43 0.37 0.39 0.51 0.45 0.40
Long-Term Debt to Equity		 0.27 0.28 0.28 0.29 0.25 0.22 0.25 0.34 0.32 0.29
Financial Leverage		 0.44 0.46 0.48 0.49 0.46 0.40 0.38 0.44 0.48 0.43
Leverage Ratio		 4.20 4.28 4.34 4.46 4.39 4.11 4.08 4.68 5.20 4.91
Compound Leverage Factor		 4.20 4.28 4.34 4.46 4.39 4.11 4.08 4.68 5.20 4.91
Debt to Total Capital		 31.23% 32.24% 32.35% 33.14% 30.11% 27.02% 27.94% 33.56% 31.20% 28.71%
Short-Term Debt to Total Capital		 12.75% 13.45% 13.61% 13.97% 12.44% 10.65% 9.76% 11.08% 9.03% 8.16%
Long-Term Debt to Total Capital		 18.49% 18.78% 18.73% 19.17% 17.67% 16.37% 18.19% 22.47% 22.17% 20.55%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 68.77% 67.76% 67.65% 66.86% 69.89% 72.98% 72.06% 66.44% 68.80% 71.29%
Debt to EBITDA		 1.14 1.25 1.47 1.39 1.31 1.23 1.08 1.12 1.10 0.81
Net Debt to EBITDA		 1.09 1.21 1.43 1.35 1.26 1.15 1.01 1.04 1.03 0.76
Long-Term Debt to EBITDA		 0.67 0.73 0.85 0.81 0.77 0.74 0.70 0.75 0.78 0.58
Debt to NOPAT		 3.12 3.66 5.52 4.50 4.26 4.01 3.06 3.83 3.78 2.24
Net Debt to NOPAT		 3.01 3.56 5.35 4.35 4.07 3.74 2.85 3.55 3.56 2.11
Long-Term Debt to NOPAT		 1.84 2.14 3.20 2.60 2.50 2.43 1.99 2.57 2.69 1.61
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 4,670 3,063 1,246 3,357 -255 -195 3,586 10,482 -782 2,134
Operating Cash Flow to CapEx		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Free Cash Flow to Firm to Interest Expense		 12.52 8.44 3.38 9.54 -0.74 -0.58 10.55 29.86 -2.08 5.44
Operating Cash Flow to Interest Expense		 9.21 12.31 11.24 12.44 15.13 19.23 21.39 18.42 20.51 23.15
Operating Cash Flow Less CapEx to Interest Expense		 9.21 12.31 11.24 12.44 15.13 19.23 21.39 18.42 20.51 23.15
Efficiency Ratios		 - - - - - - - - - -
Asset Turnover		 0.26 0.27 0.28 0.29 0.29 0.28 0.29 0.31 0.34 0.36
Fixed Asset Turnover		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Capital & Investment Metrics		 - - - - - - - - - -
Invested Capital		 34,316 34,267 35,077 34,243 37,120 40,012 40,088 32,448 36,221 39,086
Invested Capital Turnover		 0.76 0.80 0.82 0.86 0.88 0.82 0.86 1.01 1.19 1.22
Increase / (Decrease) in Invested Capital		 -1,231 -49 810 -834 2,877 2,892 76 -7,640 3,773 2,865
Enterprise Value (EV)		 38,606 40,030 42,994 38,952 42,579 43,054 46,924 52,275 53,381 65,210
Market Capitalization		 28,268 29,291 31,992 27,976 31,896 32,964 36,484 42,186 42,731 54,687
Book Value per Share		 $77.57 $81.75 $86.71 $86.43 $100.51 $115.28 $117.42 $92.00 $109.11 $122.74
Tangible Book Value per Share		 $64.91 $68.20 $71.02 $70.27 $83.89 $98.33 $99.89 $73.91 $90.49 $102.51
Total Capital		 34,316 34,267 35,077 34,243 37,120 40,012 40,088 32,448 36,221 39,086
Total Debt		 10,718 11,046 11,346 11,349 11,177 10,811 11,201 10,888 11,300 11,222
Total Long-Term Debt		 6,344 6,437 6,571 6,564 6,558 6,550 7,290 7,292 8,031 8,033
Net Debt		 10,338 10,739 11,002 10,976 10,683 10,090 10,440 10,089 10,650 10,523
Capital Expenditures (CapEx)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 10,718 11,046 11,346 11,349 11,177 10,811 11,201 10,888 11,300 11,222
Total Depreciation and Amortization (D&A)		 4,703 4,811 4,979 5,184 5,364 5,562 5,913 6,341 6,948 7,688
Earnings Adjustments		 - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $10.01 $10.56 $14.63 $11.91 $12.93 $21.76
Adjusted Weighted Average Basic Shares Outstanding		 0.00 0.00 0.00 0.00 260M 253.50M 248.50M 237M 229.70M 228M
Adjusted Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $9.92 $10.52 $14.49 $11.77 $12.79 $21.47
Adjusted Weighted Average Diluted Shares Outstanding		 0.00 0.00 0.00 0.00 262.30M 254.60M 250.80M 239.70M 232.20M 231.10M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 0.00 0.00 0.00 0.00 255.03M 252.21M 241.50M 232.09M 229.13M 226.73M
Normalized Net Operating Profit after Tax (NOPAT)		 3,439 3,014 2,056 2,523 2,622 2,697 3,662 2,842 2,991 4,999
Normalized NOPAT Margin		 13.01% 11.06% 7.21% 8.43% 8.39% 8.52% 10.62% 7.78% 7.30% 10.86%
Pre Tax Income Margin		 17.93% 14.87% 9.57% 9.89% 10.05% 10.23% 12.93% 9.18% 8.22% 13.43%
Debt Service Ratios		 - - - - - - - - - -
EBIT to Interest Expense		 12.71 11.17 7.40 8.41 9.12 9.55 13.11 9.56 8.97 15.77
NOPAT to Interest Expense		 9.22 8.30 5.57 7.17 7.62 7.96 10.77 8.10 7.95 12.75
EBIT Less CapEx to Interest Expense		 12.71 11.17 7.40 8.41 9.12 9.55 13.11 9.56 8.97 15.77
NOPAT Less CapEx to Interest Expense		 9.22 8.30 5.57 7.17 7.62 7.96 10.77 8.10 7.95 12.75
Payout Ratios		 - - - - - - - - - -
Dividend Payout Ratio		 21.49% 25.12% 38.18% 32.26% 32.19% 31.92% 23.73% 30.79% 30.36% 19.02%
Augmented Payout Ratio		 113.09% 104.74% 105.20% 82.60% 89.40% 55.10% 82.61% 101.16% 62.39% 39.09%

Quarterly Metrics and Ratios for Travelers Companies

This table displays calculated financial ratios and metrics derived from Travelers Companies' official financial filings.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025
Period end date 9/30/2022 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 5.70% 7.00% 10.25% 10.59% 14.35% 13.42% 15.74% 11.78% 12.04% 9.98% 5.22%
EBITDA Growth		 -6.58% -17.44% -4.84% -26.08% 5.45% 46.86% 25.83% 52.48% 56.97% 19.16% -25.43%
EBIT Growth		 -32.82% -40.18% -21.49% -107.31% -10.61% 104.56% 47.63% 1,466.67% 230.51% 28.48% -65.84%
NOPAT Growth		 -31.42% -38.56% -4.22% -106.10% -11.01% 98.53% 15.18% 1,689.29% 211.88% 28.04% -64.83%
Net Income Growth		 -31.42% -38.56% -4.22% -102.54% -11.01% 98.53% 15.18% 3,914.29% 211.88% 28.04% -64.83%
EPS Growth		 -27.86% -35.21% -0.48% -103.08% -7.94% 102.02% 16.22% 3,371.43% 211.49% 28.18% -64.58%
Operating Cash Flow Growth		 -2.32% -20.80% -20.06% 12.65% 22.62% 57.01% 44.07% 8.26% 27.22% -1.90% -6.72%
Free Cash Flow Firm Growth		 7,520.49% 572.95% 10.96% -92.56% -110.06% -125.38% -157.03% -698.04% -584.17% 63.53% 15.36%
Invested Capital Growth		 -22.21% -19.06% -7.57% -1.66% 4.32% 11.63% 9.61% 11.09% 23.70% 7.91% 5.93%
Revenue Q/Q Growth		 1.85% 3.61% 0.71% 4.06% 5.31% 2.77% 2.78% 0.49% 5.55% 0.88% -1.67%
EBITDA Q/Q Growth		 -4.61% 22.50% -0.54% -36.39% 36.06% 70.60% -14.78% -22.92% 40.06% 29.51% -46.67%
EBIT Q/Q Growth		 -19.63% 86.93% -5.98% -105.17% 1,083.33% 327.75% -32.14% -52.12% 137.80% 66.28% -81.96%
NOPAT Q/Q Growth		 -17.60% 80.40% 19.05% -103.45% 1,302.38% 302.48% -30.93% -52.45% 135.96% 65.24% -81.03%
Net Income Q/Q Growth		 -17.60% 80.40% 19.05% -101.44% 2,985.71% 302.48% -30.93% -52.45% 135.96% 65.24% -81.03%
EPS Q/Q Growth		 -16.74% 83.07% 19.36% -101.69% 2,585.71% 301.72% -31.33% -52.29% 136.68% 65.31% -81.03%
Operating Cash Flow Q/Q Growth		 80.65% -46.05% -24.48% 53.06% 96.64% -30.93% -30.70% 15.02% 131.07% -46.74% -34.11%
Free Cash Flow Firm Q/Q Growth		 30.69% -9.01% -55.60% -85.91% -276.62% -129.63% 0.23% -47.81% -102.05% 87.76% -131.55%
Invested Capital Q/Q Growth		 -8.71% 4.79% 4.66% -1.78% -3.15% 12.13% 2.77% -0.46% 7.84% -2.19% 0.89%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 23.10% 27.31% 26.98% 16.49% 21.31% 35.37% 29.33% 22.49% 29.85% 38.32% 20.78%
EBIT Margin		 5.73% 10.34% 9.65% -0.48% 4.48% 18.64% 12.31% 5.87% 13.21% 21.78% 4.00%
Profit (Net Income) Margin		 4.93% 8.58% 10.14% -0.14% 3.83% 15.02% 10.09% 4.77% 10.67% 17.48% 3.37%
Tax Burden Percent		 85.98% 82.98% 105.06% 29.17% 85.59% 80.53% 81.97% 81.40% 80.77% 80.26% 84.40%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 14.02% 17.02% -5.06% 0.00% 14.41% 19.47% 18.03% 18.60% 19.23% 19.74% 15.60%
Return on Invested Capital (ROIC)		 5.00% 8.64% 10.73% -0.38% 4.81% 17.93% 12.05% 5.92% 13.28% 21.37% 4.10%
ROIC Less NNEP Spread (ROIC-NNEP)		 5.00% 8.64% 10.73% -0.21% 4.81% 17.93% 12.05% 5.92% 13.28% 21.37% 4.10%
Return on Net Nonoperating Assets (RNNOA)		 2.31% 3.78% 4.89% -0.11% 2.82% 8.56% 5.79% 3.00% 6.85% 9.12% 1.81%
Return on Equity (ROE)		 7.31% 12.42% 15.62% -0.49% 7.63% 26.48% 17.84% 8.93% 20.13% 30.49% 5.91%
Cash Return on Invested Capital (CROIC)		 34.47% 28.90% 15.78% 8.32% 2.67% -2.28% -0.35% -0.04% -8.62% 5.67% 5.38%
Operating Return on Assets (OROA)		 1.75% 3.20% 3.05% -0.16% 1.51% 6.32% 4.26% 2.05% 4.64% 7.74% 1.41%
Return on Assets (ROA)		 1.51% 2.65% 3.20% -0.05% 1.29% 5.09% 3.49% 1.67% 3.75% 6.21% 1.19%
Return on Common Equity (ROCE)		 7.31% 12.42% 15.62% -0.49% 7.63% 26.48% 17.84% 8.93% 20.13% 30.49% 5.91%
Return on Equity Simple (ROE_SIMPLE)		 16.86% 0.00% 12.14% 10.22% 10.93% 0.00% 12.55% 14.83% 16.40% 0.00% 15.15%
Net Operating Profit after Tax (NOPAT)		 454 819 975 -34 404 1,626 1,123 534 1,260 2,082 395
NOPAT Margin		 4.93% 8.58% 10.14% -0.34% 3.83% 15.02% 10.09% 4.77% 10.67% 17.48% 3.37%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% -0.17% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Operating Expenses to Revenue		 94.27% 89.66% 90.35% 100.48% 95.52% 81.36% 87.69% 94.14% 86.79% 78.22% 96.00%
Earnings before Interest and Taxes (EBIT)		 528 987 928 -48 472 2,019 1,370 656 1,560 2,594 468
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 2,129 2,608 2,594 1,650 2,245 3,830 3,264 2,516 3,524 4,564 2,434
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 1.76 1.96 1.68 1.80 1.84 1.71 2.09 1.87 1.93 1.96 2.13
Price to Tangible Book Value (P/TBV)		 2.23 2.44 2.06 2.23 2.33 2.07 2.56 2.30 2.31 2.35 2.54
Price to Revenue (P/Rev)		 0.98 1.15 1.03 1.02 0.92 1.04 1.23 1.07 1.19 1.19 1.29
Price to Earnings (P/E)		 10.44 14.84 13.84 17.58 16.79 14.29 16.66 12.63 11.75 10.94 14.04
Dividend Yield		 2.45% 2.04% 2.23% 2.23% 2.41% 2.10% 1.75% 1.99% 1.75% 1.72% 1.59%
Earnings Yield		 9.58% 6.74% 7.23% 5.69% 5.96% 7.00% 6.00% 7.92% 8.51% 9.14% 7.12%
Enterprise Value to Invested Capital (EV/IC)		 1.46 1.61 1.44 1.50 1.50 1.47 1.72 1.57 1.62 1.67 1.79
Enterprise Value to Revenue (EV/Rev)		 1.26 1.43 1.31 1.31 1.22 1.30 1.50 1.33 1.44 1.42 1.51
Enterprise Value to EBITDA (EV/EBITDA)		 4.42 5.39 5.11 5.59 5.32 5.17 5.81 4.89 4.94 4.70 5.41
Enterprise Value to EBIT (EV/EBIT)		 11.28 15.59 15.76 20.95 20.69 15.84 16.74 12.85 11.57 10.55 13.35
Enterprise Value to NOPAT (EV/NOPAT)		 13.50 18.39 17.46 22.46 22.16 17.85 20.34 15.74 14.28 13.04 16.50
Enterprise Value to Operating Cash Flow (EV/OCF)		 6.65 8.09 7.87 7.86 6.97 6.92 7.83 7.00 7.12 7.19 7.85
Enterprise Value to Free Cash Flow (EV/FCFF)		 3.71 4.99 8.76 17.94 57.28 0.00 0.00 0.00 0.00 30.56 34.16
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.56 0.51 0.47 0.53 0.62 0.45 0.49 0.49 0.44 0.40 0.40
Long-Term Debt to Equity		 0.37 0.34 0.32 0.37 0.40 0.32 0.32 0.32 0.29 0.29 0.28
Financial Leverage		 0.46 0.44 0.46 0.50 0.59 0.48 0.48 0.51 0.52 0.43 0.44
Leverage Ratio		 4.86 4.68 4.88 5.30 5.91 5.20 5.11 5.35 5.37 4.91 4.95
Compound Leverage Factor		 4.86 4.68 4.88 5.30 5.91 5.20 5.11 5.35 5.37 4.91 4.95
Debt to Total Capital		 35.71% 33.56% 32.12% 34.48% 38.15% 31.20% 32.78% 32.91% 30.69% 28.71% 28.51%
Short-Term Debt to Total Capital		 12.17% 11.08% 10.65% 10.40% 13.29% 9.03% 11.21% 11.23% 10.59% 8.16% 8.14%
Long-Term Debt to Total Capital		 23.55% 22.47% 21.47% 24.08% 24.86% 22.17% 21.58% 21.68% 20.10% 20.55% 20.37%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 64.29% 66.44% 67.88% 65.52% 61.85% 68.80% 67.22% 67.09% 69.31% 71.29% 71.49%
Debt to EBITDA		 1.08 1.12 1.14 1.28 1.35 1.10 1.11 1.03 0.93 0.81 0.86
Net Debt to EBITDA		 1.00 1.04 1.06 1.21 1.29 1.03 1.05 0.97 0.88 0.76 0.81
Long-Term Debt to EBITDA		 0.71 0.75 0.76 0.89 0.88 0.78 0.73 0.68 0.61 0.58 0.62
Debt to NOPAT		 3.30 3.83 3.90 5.15 5.64 3.78 3.89 3.31 2.70 2.24 2.63
Net Debt to NOPAT		 3.06 3.55 3.62 4.88 5.37 3.56 3.68 3.11 2.53 2.11 2.46
Long-Term Debt to NOPAT		 2.17 2.57 2.61 3.59 3.68 2.69 2.56 2.18 1.77 1.61 1.88
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 9,297 8,459 3,756 529 -935 -2,147 -2,142 -3,166 -6,397 -783 -1,813
Operating Cash Flow to CapEx		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Free Cash Flow to Firm to Interest Expense		 105.65 96.13 42.68 5.75 -9.54 -21.91 -21.86 -32.31 -65.28 -7.99 -18.31
Operating Cash Flow to Interest Expense		 28.23 15.23 11.50 16.84 31.08 21.47 14.88 17.11 39.54 21.06 13.74
Operating Cash Flow Less CapEx to Interest Expense		 28.23 15.23 11.50 16.84 31.08 21.47 14.88 17.11 39.54 21.06 13.74
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.31 0.31 0.32 0.32 0.34 0.34 0.35 0.35 0.35 0.36 0.35
Fixed Asset Turnover		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 30,964 32,448 33,961 33,355 32,303 36,221 37,226 37,055 39,960 39,086 39,434
Invested Capital Turnover		 1.01 1.01 1.06 1.14 1.26 1.19 1.19 1.24 1.24 1.22 1.22
Increase / (Decrease) in Invested Capital		 -8,843 -7,640 -2,781 -563 1,339 3,773 3,265 3,700 7,657 2,865 2,208
Enterprise Value (EV)		 45,317 52,275 48,869 50,165 48,405 53,381 63,842 58,028 64,855 65,210 70,479
Market Capitalization		 35,032 42,186 38,727 39,270 36,673 42,731 52,305 46,564 53,363 54,687 59,960
Book Value per Share		 $83.88 $92.00 $99.32 $94.62 $87.26 $109.11 $109.27 $108.57 $121.51 $122.74 $124.34
Tangible Book Value per Share		 $66.14 $73.91 $81.04 $76.19 $68.77 $90.49 $89.06 $88.39 $101.15 $102.51 $104.05
Total Capital		 30,964 32,448 33,961 33,355 32,303 36,221 37,226 37,055 39,960 39,086 39,434
Total Debt		 11,058 10,888 10,909 11,500 12,325 11,300 12,204 12,193 12,264 11,222 11,243
Total Long-Term Debt		 7,291 7,292 7,292 8,031 8,031 8,031 8,032 8,032 8,033 8,033 8,033
Net Debt		 10,285 10,089 10,142 10,895 11,732 10,650 11,537 11,464 11,492 10,523 10,519
Capital Expenditures (CapEx)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 -20 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 11,058 10,888 10,909 11,500 12,325 11,300 12,204 12,193 12,264 11,222 11,243
Total Depreciation and Amortization (D&A)		 1,601 1,621 1,666 1,698 1,773 1,811 1,894 1,860 1,964 1,970 1,966
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $1.91 $3.51 $4.18 ($0.07) $1.75 $7.07 $4.87 $2.32 $5.50 $9.07 $1.73
Adjusted Weighted Average Basic Shares Outstanding		 235.40M 237M 231.70M 229.70M 228.80M 229.70M 229M 228.60M 227.40M 228M 226.90M
Adjusted Diluted Earnings per Share		 $1.89 $3.46 $4.13 ($0.07) $1.74 $6.99 $4.80 $2.29 $5.42 $8.96 $1.70
Adjusted Weighted Average Diluted Shares Outstanding		 237.90M 239.70M 234.40M 229.70M 231.10M 232.20M 232M 231.50M 230.60M 231.10M 230.40M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 234.35M 232.09M 230.98M 228.94M 228.40M 229.13M 228.99M 227.93M 227.02M 226.73M 226.57M
Normalized Net Operating Profit after Tax (NOPAT)		 454 819 650 -34 404 1,626 1,123 534 1,260 2,082 395
Normalized NOPAT Margin		 4.93% 8.58% 6.76% -0.34% 3.83% 15.02% 10.09% 4.77% 10.67% 17.48% 3.37%
Pre Tax Income Margin		 5.73% 10.34% 9.65% -0.48% 4.48% 18.64% 12.31% 5.87% 13.21% 21.78% 4.00%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 6.00 11.22 10.55 -0.52 4.82 20.60 13.98 6.69 15.92 26.47 4.73
NOPAT to Interest Expense		 5.16 9.31 11.08 -0.37 4.12 16.59 11.46 5.45 12.86 21.24 3.99
EBIT Less CapEx to Interest Expense		 6.00 11.22 10.55 -0.52 4.82 20.60 13.98 6.69 15.92 26.47 4.73
NOPAT Less CapEx to Interest Expense		 5.16 9.31 11.08 -0.37 4.12 16.59 11.46 5.45 12.86 21.24 3.99
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 25.92% 30.79% 31.33% 39.66% 40.98% 30.36% 29.37% 25.33% 20.76% 19.02% 22.52%
Augmented Payout Ratio		 94.46% 101.16% 99.14% 119.96% 104.81% 62.39% 55.18% 43.31% 38.61% 39.09% 46.01%

Frequently Asked Questions About Travelers Companies' Financials

When does Travelers Companies's financial year end?

According to the most recent income statement we have on file, Travelers Companies' fiscal year ends in December. Their fiscal year 2024 ended on December 31, 2024.

How has Travelers Companies' net income changed over the last 9 years?

Travelers Companies' net income appears to be on an upward trend, with a most recent value of $5.00 billion in 2024, rising from $3.44 billion in 2015. The previous period was $2.99 billion in 2023. Check out Travelers Companies' forecast to explore projected trends and price targets.

How has Travelers Companies revenue changed over the last 9 years?

Over the last 9 years, Travelers Companies' total revenue changed from $26.44 billion in 2015 to $46.03 billion in 2024, a change of 74.1%.

How much debt does Travelers Companies have?

Travelers Companies' total liabilities were at $105.33 billion at the end of 2024, a 4.2% increase from 2023, and a 37.5% increase since 2015.

How much cash does Travelers Companies have?

In the past 9 years, Travelers Companies' cash and equivalents has ranged from $307 million in 2016 to $799 million in 2022, and is currently $699 million as of their latest financial filing in 2024.

How has Travelers Companies' book value per share changed over the last 9 years?

Over the last 9 years, Travelers Companies' book value per share changed from 77.57 in 2015 to 122.74 in 2024, a change of 58.2%.


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This page (NYSE:TRV) was last updated on 5/5/2025 by MarketBeat.com Staff
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