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Travelers Companies (TRV) Financials

Travelers Companies logo
$271.28 +0.20 (+0.07%)
Closing price 05/23/2025 03:59 PM Eastern
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$268.31 -2.97 (-1.09%)
As of 05/23/2025 06:35 PM Eastern
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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 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015
Period end date 12/31/2024 12/31/2023 12/31/2022 12/31/2021 12/31/2020 12/31/2019 12/31/2018 12/31/2017 12/31/2016 12/31/2015
Net Income / (Loss) Attributable to Common Shareholders		 4,999 2,991 2,842 3,662 2,697 2,622 2,523 2,056 3,014 3,439
Consolidated Net Income / (Loss)		 4,999 2,991 2,842 3,662 2,697 2,622 2,523 2,056 3,014 3,439
Net Income / (Loss) Continuing Operations		 4,999 2,991 2,842 3,662 2,697 2,622 2,523 2,056 3,014 3,439
Total Pre-Tax Income 		6,180 3,371 3,354 4,458 3,237 3,138 2,961 2,730 4,053 4,740
Total Revenue		 46,031 40,988 36,533 34,476 31,642 31,237 29,930 28,533 27,262 26,442
Net Interest Income / (Expense)		 -392 -376 -351 -340 -339 -344 -352 -369 -363 -373
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		 392 376 351 340 339 344 352 369 363 373
Other Interest Expense		 392 - - - - 344 352 369 363 -
Total Non-Interest Income		 46,423 41,364 36,884 34,816 31,981 31,581 30,282 28,902 27,625 26,815
Other Service Charges		 922 786 763 757 708 728 635 606 721 559
Net Realized & Unrealized Capital Gains on Investments		 3,560 2,817 2,358 3,204 2,229 2,581 2,588 2,613 2,370 2,382
Premiums Earned		 41,941 37,761 33,763 30,855 29,044 28,272 27,059 25,683 24,534 23,874
Total Non-Interest Expense		 39,851 37,617 33,179 30,018 28,405 28,099 26,969 25,803 23,209 21,702
Property & Liability Insurance Claims		 27,059 26,215 22,854 20,298 19,123 19,133 18,291 17,467 15,070 13,723
Other Operating Expenses		 5,819 5,176 4,810 4,677 4,509 4,365 4,297 4,170 4,154 4,094
Amortization Expense		 6,973 6,226 5,515 5,043 4,773 4,601 4,381 4,166 3,985 3,885
Income Tax Expense		 1,181 380 512 796 540 516 438 674 1,039 1,301
Basic Earnings per Share		 $21.76 $12.93 $11.91 $14.63 $10.56 $10.01 $9.37 $7.39 $10.39 $10.99
Weighted Average Basic Shares Outstanding		 228M 229.70M 237M 248.50M 253.50M 260M 267.40M 276M 288.10M 310.60M
Diluted Earnings per Share		 $21.47 $12.79 $11.77 $14.49 $10.52 $9.92 $9.28 $7.33 $10.28 $10.88
Weighted Average Diluted Shares Outstanding		 231.10M 232.20M 239.70M 250.80M 254.60M 262.30M 269.80M 278.60M 291M 313.90M
Weighted Average Basic & Diluted Shares Outstanding		 226.73M 229.13M 232.09M 241.50M 252.21M 255.03M 269.30M 278.20M 290.10M 312.90M
Cash Dividends to Common per Share		 $4.15 $3.93 $3.67 $3.49 $3.37 $3.23 $3.03 $2.83 $2.62 $2.38

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

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

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

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

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

Annual Metrics And Ratios for Travelers Companies

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

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

Quarterly Metrics And Ratios for Travelers Companies

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

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

Frequently Asked Questions About Travelers Companies' Financials

When does Travelers Companies's fiscal year end?

According to the most recent income statement we have on file, Travelers Companies' financial year ends in December. Their financial 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. Find out what analysts predict for Travelers Companies in the coming months.

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 5/25/2025 by MarketBeat.com Staff
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