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Travelers Companies (TRV) Financials

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$298.71 +1.58 (+0.53%)
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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 2025
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 12/31/2025
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 6,288
Consolidated Net Income / (Loss)		 3,439 3,014 2,056 2,523 2,622 2,697 3,662 2,842 2,991 4,999 6,288
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 6,288
Total Pre-Tax Income 		4,740 4,053 2,730 2,961 3,138 3,237 4,458 3,354 3,371 6,180 7,796
Total Revenue		 26,442 27,262 28,533 29,930 31,237 31,642 34,476 36,533 40,988 46,031 48,403
Net Interest Income / (Expense)		 -373 -363 -369 -352 -344 -339 -340 -351 -376 -392 -425
Total Interest Income		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Interest Expense		 373 363 369 352 344 339 340 351 376 392 425
Long-Term Debt Interest Expense		 373 - - - - 339 340 351 376 392 425
Total Non-Interest Income		 26,815 27,625 28,902 30,282 31,581 31,981 34,816 36,884 41,364 46,423 48,828
Other Service Charges		 559 721 606 635 728 708 757 763 786 922 1,003
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 3,911
Premiums Earned		 23,874 24,534 25,683 27,059 28,272 29,044 30,855 33,763 37,761 41,941 43,914
Total Non-Interest Expense		 21,702 23,209 25,803 26,969 28,099 28,405 30,018 33,179 37,617 39,851 40,607
Property & Liability Insurance Claims		 13,723 15,070 17,467 18,291 19,133 19,123 20,298 22,854 26,215 27,059 27,221
Other Operating Expenses		 4,094 4,154 4,170 4,297 4,365 4,509 4,677 4,810 5,176 5,819 6,120
Amortization Expense		 3,885 3,985 4,166 4,381 4,601 4,773 5,043 5,515 6,226 6,973 7,266
Income Tax Expense		 1,301 1,039 674 438 516 540 796 512 380 1,181 1,508
Basic Earnings per Share		 $10.99 $10.39 $7.39 $9.37 $10.01 $10.56 $14.63 $11.91 $12.93 $21.76 $27.83
Weighted Average Basic Shares Outstanding		 310.60M 288.10M 276M 267.40M 260M 253.50M 248.50M 237M 229.70M 228M 224.20M
Diluted Earnings per Share		 $10.88 $10.28 $7.33 $9.28 $9.92 $10.52 $14.49 $11.77 $12.79 $21.47 $27.43
Weighted Average Diluted Shares Outstanding		 313.90M 291M 278.60M 269.80M 262.30M 254.60M 250.80M 239.70M 232.20M 231.10M 227.60M
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 216.24M
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 $4.35

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 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Income / (Loss) Attributable to Common Shareholders		 404 1,626 1,123 534 1,260 2,082 395 1,509 1,888 2,496 1,711
Consolidated Net Income / (Loss)		 404 1,626 1,123 534 1,260 2,082 395 1,509 1,888 2,496 1,711
Net Income / (Loss) Continuing Operations		 404 1,626 1,123 534 1,260 2,082 395 1,509 1,888 2,496 1,711
Total Pre-Tax Income 		472 2,019 1,370 656 1,560 2,594 468 1,881 2,344 3,103 2,119
Total Revenue		 10,537 10,829 11,130 11,185 11,806 11,910 11,711 12,017 12,359 12,316 11,808
Net Interest Income / (Expense)		 -98 -98 -98 -98 -98 -98 -99 -99 -111 -116 -116
Total Interest Income		 0.00 - 0.00 0.00 0.00 - 0.00 0.00 0.00 - 0.00
Total Interest Expense		 98 98 98 98 98 98 99 99 111 116 116
Long-Term Debt Interest Expense		 - - 98 - - - 99 99 111 116 116
Total Non-Interest Income		 10,635 10,927 11,228 11,283 11,904 12,008 11,810 12,116 12,470 12,432 11,924
Other Service Charges		 213 187 221 220 241 240 231 247 275 250 262
Net Realized & Unrealized Capital Gains on Investments		 704 767 881 820 959 900 869 948 1,060 1,034 1,057
Premiums Earned		 9,718 9,973 10,126 10,243 10,704 10,868 10,710 10,921 11,135 11,148 10,605
Total Non-Interest Expense		 10,065 8,810 9,760 10,529 10,246 9,316 11,243 10,136 10,015 9,213 9,689
Property & Liability Insurance Claims		 7,149 5,880 6,656 7,373 6,996 6,034 8,006 6,789 6,594 5,832 6,382
Other Operating Expenses		 1,312 1,289 1,406 1,478 1,460 1,475 1,459 1,545 1,572 1,544 1,541
Amortization Expense		 1,604 1,641 1,698 1,678 1,790 1,807 1,778 1,802 1,849 1,837 1,766
Income Tax Expense		 68 393 247 122 300 512 73 372 456 607 408
Basic Earnings per Share		 $1.75 $7.07 $4.87 $2.32 $5.50 $9.07 $1.73 $6.63 $8.37 $11.10 $7.89
Weighted Average Basic Shares Outstanding		 228.80M 229.70M 229M 228.60M 227.40M 228M 226.90M 225.90M 224.10M 224.20M 215.20M
Diluted Earnings per Share		 $1.74 $6.99 $4.80 $2.29 $5.42 $8.96 $1.70 $6.53 $8.24 $10.96 $7.78
Weighted Average Diluted Shares Outstanding		 231.10M 232.20M 232M 231.50M 230.60M 231.10M 230.40M 229.30M 227.50M 227.60M 218.40M
Weighted Average Basic & Diluted Shares Outstanding		 228.40M 229.13M 228.99M 227.93M 227.02M 226.73M 226.57M 225.13M 223.06M 216.24M 212.64M
Cash Dividends to Common per Share		 $1.00 - $1.00 $1.05 $1.05 - $1.05 $1.10 $1.10 - $1.10

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 2025
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 12/31/2025
Net Change in Cash & Equivalents		 6.00 -73 37 29 121 227 40 38 -149 49 314
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 10,606
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 10,606
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 6,288
Consolidated Net Income / (Loss)		 3,439 3,014 2,056 2,523 2,622 2,697 3,662 2,842 2,991 4,999 6,288
Depreciation Expense		 818 826 813 803 763 789 870 826 722 715 680
Amortization Expense		 3,885 3,985 4,166 4,381 4,601 4,773 5,043 5,515 6,226 6,973 7,266
Non-Cash Adjustments to Reconcile Net Income		 -48 266 -233 -592 138 -32 -352 -273 432 140 113
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 -3,741
Net Cash From Investing Activities		 317 -1,727 -2,202 -2,329 -2,902 -4,892 -5,196 -3,728 -6,821 -7,264 -7,652
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 -7,652
Purchase of Investment Securities		 -13,439 -12,825 -14,062 -14,310 -12,691 -15,681 -17,754 -16,693 -18,483 -18,120 -20,769
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 13,117
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 -2,663
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 -2,663
Issuance of Debt		 392 491 789 591 492 490 739 0.00 738 0.00 1,233
Repurchase of Common Equity		 -3,150 -2,400 -1,378 -1,270 -1,500 -625 -2,156 -2,000 -958 -1,003 -3,004
Payment of Dividends		 -739 -757 -785 -814 -844 -861 -869 -875 -908 -951 -979
Other Financing Activities, Net		 164 260 111 81 165 80 249 206 77 207 87
Effect of Exchange Rate Changes		 -12 -9.00 11 -10 5.00 16 -1.00 -30 12 -14 23
Cash Interest Paid		 365 358 367 347 338 339 337 349 370 390 393
Cash Income Taxes Paid		 1,207 892 514 408 428 578 707 817 201 1,310 1,274

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 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Change in Cash & Equivalents		 -12 57 17 62 43 -73 25 -65 70 284 -227
Net Cash From Operating Activities		 3,046 2,104 1,458 1,677 3,875 2,064 1,360 2,334 4,227 2,685 2,198
Net Cash From Continuing Operating Activities		 3,046 2,104 1,458 1,677 3,875 2,064 1,360 2,334 4,227 2,685 2,198
Net Income / (Loss) Continuing Operations		 404 1,626 1,123 534 1,260 2,082 395 1,509 1,888 2,496 1,711
Consolidated Net Income / (Loss)		 404 1,626 1,123 534 1,260 2,082 395 1,509 1,888 2,496 1,711
Depreciation Expense		 169 170 196 182 174 163 188 164 166 162 193
Amortization Expense		 1,604 1,641 1,698 1,678 1,790 1,807 1,778 1,802 1,849 1,837 1,766
Non-Cash Adjustments to Reconcile Net Income		 652 492 -644 -384 785 383 -860 -84 863 194 -655
Changes in Operating Assets and Liabilities, net		 217 -1,825 -915 -333 -134 -2,371 -141 -1,057 -539 -2,004 -817
Net Cash From Investing Activities		 -2,725 -1,784 -1,037 -1,143 -3,391 -1,693 -808 -1,716 -4,553 -575 -335
Net Cash From Continuing Investing Activities		 -2,725 -1,784 -1,037 -1,143 -3,391 -1,693 -808 -1,716 -4,553 -575 -335
Purchase of Investment Securities		 -6,245 -3,575 -3,875 -3,804 -5,653 -4,334 -4,301 -5,095 -7,688 -3,446 -6,526
Divestitures		 - - - - - - 0.00 - - - 2,384
Sale and/or Maturity of Investments		 3,520 1,791 2,838 2,661 2,262 2,641 3,493 3,379 3,135 2,871 3,807
Net Cash From Financing Activities		 -323 -273 -399 -472 -454 -422 -535 -702 402 -1,828 -2,085
Net Cash From Continuing Financing Activities		 -323 -273 -399 -472 -454 -422 -535 -702 402 -1,828 -2,085
Repurchase of Common Equity		 -100 -64 -250 -249 -248 -256 -250 -500 -619 -1,635 -1,785
Payment of Dividends		 -229 -232 -229 -244 -238 -240 -240 -250 -247 -242 -237
Other Financing Activities, Net		 6.00 23 80 21 32 74 -45 48 35 49 -63
Effect of Exchange Rate Changes		 -10 10 -5.00 - 13 -22 8.00 19 -6.00 2.00 -5.00
Cash Interest Paid		 59 136 60 135 60 135 61 136 60 136 94
Cash Income Taxes Paid		 13 49 24 831 92 363 24 538 194 518 12

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 2025
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 12/31/2025
Total Assets		 100,184 100,245 103,483 104,233 110,122 116,764 120,466 115,717 125,978 133,189 143,708
Cash and Due from Banks		 380 307 344 373 494 721 761 799 650 699 842
Trading Account Securities		 61,363 61,247 63,147 63,832 68,559 74,003 78,703 71,967 78,415 84,353 90,451
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		 642 630 606 624 618 603 615 650 688 752 877
Unearned Premiums Asset		 16,003 15,598 16,004 16,454 16,833 16,951 17,439 18,009 19,575 20,312 20,161
Deferred Acquisition Cost		 1,849 1,923 2,025 2,120 2,273 2,358 2,542 2,836 3,306 3,494 3,518
Goodwill		 3,573 3,580 3,951 3,937 3,961 3,976 4,008 3,952 3,976 4,233 4,066
Intangible Assets		 279 268 342 345 330 317 306 287 277 360 336
Other Assets		 16,095 16,692 17,064 16,548 17,054 17,351 16,092 17,217 19,091 18,986 23,457
Total Liabilities & Shareholders' Equity		 100,184 100,245 103,483 104,233 110,122 116,764 120,466 115,717 125,978 133,189 143,708
Total Liabilities		 76,586 77,024 79,752 81,339 84,179 87,563 91,579 94,157 101,057 105,325 110,814
Short-Term Debt		 4,374 4,609 4,775 4,785 4,619 4,261 3,911 3,596 3,269 3,189 3,026
Long-Term Debt		 6,344 6,437 6,571 6,564 6,558 6,550 7,290 7,292 8,031 8,033 9,267
Claims and Claim Expense		 48,295 47,949 49,650 50,668 51,849 54,521 56,907 58,649 61,627 64,093 65,737
Unearned Premiums Liability		 12,267 12,602 13,189 13,844 14,967 15,578 16,853 18,659 21,390 22,839 22,960
Other Long-Term Liabilities		 5,306 5,427 5,567 5,478 6,186 6,653 6,618 5,961 6,740 7,171 9,824
Total Equity & Noncontrolling Interests		 23,598 23,221 23,731 22,894 25,943 29,201 28,887 21,560 24,921 27,864 32,894
Total Preferred & Common Equity		 23,598 23,221 23,731 22,894 25,943 29,201 28,887 21,560 24,921 27,864 32,894
Total Common Equity		 23,598 23,221 23,731 22,894 25,943 29,201 28,887 21,560 24,921 27,864 32,894
Common Stock		 22,172 22,614 22,886 23,144 23,469 23,743 24,154 24,565 24,906 25,452 25,910
Retained Earnings		 29,945 32,196 33,462 35,204 36,977 38,771 41,555 43,516 45,591 49,630 54,931
Treasury Stock		 -28,362 -30,834 -32,274 -33,595 -35,143 -35,815 -38,015 -40,076 -41,105 -42,251 -45,447
Accumulated Other Comprehensive Income / (Loss)		 -157 -755 -343 -1,859 640 2,502 1,193 -6,445 -4,471 -4,967 -2,500

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 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026
Period end date 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 3/31/2026
Total Assets		 120,573 121,384 125,978 127,410 129,315 134,588 133,189 135,977 138,873 143,678 142,309
Cash and Due from Banks		 605 593 650 667 729 772 699 724 659 729 615
Trading Account Securities		 73,799 73,157 78,415 78,680 79,832 84,687 84,353 86,044 88,220 91,805 91,327
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		 649 623 688 648 690 665 752 703 785 776 801
Unearned Premiums Asset		 19,750 20,001 19,575 20,464 21,068 20,848 20,312 21,484 21,793 21,599 21,288
Deferred Acquisition Cost		 3,212 3,330 3,306 3,380 3,508 3,579 3,494 3,540 3,667 3,691 3,587
Goodwill		 3,975 3,955 3,976 4,251 4,250 4,273 4,233 4,245 4,283 4,271 4,060
Intangible Assets		 283 278 277 376 371 368 360 356 348 342 331
Other Assets		 18,300 19,447 19,091 18,944 18,867 19,396 18,986 18,881 19,118 20,465 20,300
Total Liabilities & Shareholders' Equity		 120,573 121,384 125,978 127,410 129,315 134,588 133,189 135,977 138,873 143,678 142,309
Total Liabilities		 98,718 101,406 101,057 102,388 104,453 106,892 105,325 107,786 109,355 112,069 110,323
Short-Term Debt		 3,469 4,294 3,269 4,172 4,161 4,231 3,189 3,210 3,112 4,061 4,188
Long-Term Debt		 8,031 8,031 8,031 8,032 8,032 8,033 8,033 8,033 8,034 9,267 9,268
Claims and Claim Expense		 60,571 61,709 61,627 62,487 63,857 64,746 64,093 65,976 66,941 67,705 66,912
Unearned Premiums Liability		 20,940 21,058 21,390 21,307 22,090 22,783 22,839 23,816 24,275 23,596 22,772
Other Long-Term Liabilities		 5,707 6,314 6,740 6,390 6,313 7,099 7,171 6,751 6,993 7,440 7,183
Total Equity & Noncontrolling Interests		 21,855 19,978 24,921 25,022 24,862 27,696 27,864 28,191 29,518 31,609 31,986
Total Preferred & Common Equity		 21,855 19,978 24,921 25,022 24,862 27,696 27,864 28,191 29,518 31,609 31,986
Total Common Equity		 21,855 19,978 24,921 25,022 24,862 27,696 27,864 28,191 29,518 31,609 31,986
Common Stock		 24,776 24,831 24,906 25,163 25,245 25,339 25,452 25,584 25,728 25,817 26,092
Retained Earnings		 44,026 44,198 45,591 46,483 46,773 47,789 49,630 49,784 51,041 52,680 56,404
Treasury Stock		 -40,938 -41,039 -41,105 -41,493 -41,746 -41,999 -42,251 -42,609 -43,166 -43,794 -47,432
Accumulated Other Comprehensive Income / (Loss)		 -6,009 -8,012 -4,471 -5,131 -5,410 -3,433 -4,967 -4,568 -4,085 -3,094 -3,078

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 2025
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 12/31/2025
DEI Shares Outstanding		 - - - - - - - - - - 223,063,417.00
DEI Adjusted Shares Outstanding		 - - - - - - - - - - 223,063,417.00
DEI Earnings Per Adjusted Shares Outstanding		 - - - - - - - - - - 28.19
Growth Metrics		 - - - - - - - - - - -
Profitability Metrics		 - - - - - - - - - - -
Valuation Ratios		 - - - - - - - - - - -
Leverage & Solvency		 - - - - - - - - - - -
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Efficiency Ratios		 - - - - - - - - - - -
Capital & Investment Metrics		 - - - - - - - - - - -
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 $27.83
Adjusted Weighted Average Basic Shares Outstanding		 0.00 0.00 0.00 0.00 260M 253.50M 248.50M 237M 229.70M 228M 224.20M
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 $27.43
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 227.60M
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		 0.00 0.00 0.00 0.00 255.03M 252.21M 241.50M 232.09M 229.13M 226.73M 216.24M
Debt Service Ratios		 - - - - - - - - - - -
Payout Ratios		 - - - - - - - - - - -

Quarterly Metrics And Ratios for Travelers Companies

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

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
DEI Shares Outstanding		 - - - - - - - - - 223,063,417.00 216,237,902.00
DEI Adjusted Shares Outstanding		 - - - - - - - - - 223,063,417.00 216,237,902.00
DEI Earnings Per Adjusted Shares Outstanding		 - - - - - - - - - 11.19 7.91
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 14.35% 13.42% 15.74% 11.78% 12.04% 9.98% 5.22% 7.44% 4.68% - 0.83%
EBITDA Growth		 5.45% 46.86% 25.83% 52.48% 56.97% 19.16% -25.43% 52.90% 23.69% - 67.54%
EBIT Growth		 -10.61% 104.56% 47.63% 1,466.67% 230.51% 28.48% -65.84% 186.74% 50.26% - 352.78%
NOPAT Growth		 -11.01% 98.53% 15.18% 1,689.29% 211.88% 28.04% -64.83% 182.58% 49.84% - 333.16%
Net Income Growth		 -11.01% 98.53% 15.18% 3,914.29% 211.88% 28.04% -64.83% 182.58% 49.84% - 333.16%
EPS Growth		 -7.94% 102.02% 16.22% 3,371.43% 211.49% 28.18% -64.58% 185.15% 52.03% - 357.65%
Operating Cash Flow Growth		 22.62% 57.01% 44.07% 8.26% 27.22% -1.90% -6.72% 39.18% 9.08% - 61.62%
Free Cash Flow Firm Growth		 -110.06% -125.38% -157.03% -698.04% -584.17% 63.53% 15.36% 33.67% 51.71% - -137.01%
Invested Capital Growth		 4.32% 11.63% 9.61% 11.09% 23.70% 7.91% 5.93% 9.74% 12.46% - 15.24%
Revenue Q/Q Growth		 5.31% 2.77% 2.78% 0.49% 5.55% 0.88% -1.67% 2.61% 2.85% - -4.12%
EBITDA Q/Q Growth		 36.06% 70.60% -14.78% -22.92% 40.06% 29.51% -46.67% 58.05% 13.31% - -20.07%
EBIT Q/Q Growth		 1,083.33% 327.75% -32.14% -52.12% 137.80% 66.28% -81.96% 301.92% 24.61% - -31.71%
NOPAT Q/Q Growth		 1,302.38% 302.48% -30.93% -52.45% 135.96% 65.24% -81.03% 282.03% 25.12% - -31.45%
Net Income Q/Q Growth		 2,985.71% 302.48% -30.93% -52.45% 135.96% 65.24% -81.03% 282.03% 25.12% - -31.45%
EPS Q/Q Growth		 2,585.71% 301.72% -31.33% -52.29% 136.68% 65.31% -81.03% 284.12% 26.19% - -29.01%
Operating Cash Flow Q/Q Growth		 96.64% -30.93% -30.70% 15.02% 131.07% -46.74% -34.11% 71.62% 81.11% - -18.14%
Free Cash Flow Firm Q/Q Growth		 -276.62% -129.63% 0.23% -47.81% -102.05% 87.76% -131.55% -15.83% -47.10% - -19.20%
Invested Capital Q/Q Growth		 -3.15% 12.13% 2.77% -0.46% 7.84% -2.19% 0.89% 3.12% 10.51% - 0.56%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 21.31% 35.37% 29.33% 22.49% 29.85% 38.32% 20.78% 32.01% 35.27% - 34.54%
EBIT Margin		 4.48% 18.64% 12.31% 5.87% 13.21% 21.78% 4.00% 15.65% 18.97% - 17.95%
Profit (Net Income) Margin		 3.83% 15.02% 10.09% 4.77% 10.67% 17.48% 3.37% 12.56% 15.28% - 14.49%
Tax Burden Percent		 85.59% 80.53% 81.97% 81.40% 80.77% 80.26% 84.40% 80.22% 80.55% - 80.75%
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		 14.41% 19.47% 18.03% 18.60% 19.23% 19.74% 15.60% 19.78% 19.45% - 19.25%
Return on Invested Capital (ROIC)		 4.81% 17.93% 12.05% 5.92% 13.28% 21.37% 4.10% 15.33% 17.27% - 16.56%
ROIC Less NNEP Spread (ROIC-NNEP)		 4.81% 17.93% 12.05% 5.92% 13.28% 21.37% 4.10% 15.33% 17.27% - 16.56%
Return on Net Nonoperating Assets (RNNOA)		 2.82% 8.56% 5.79% 3.00% 6.85% 9.12% 1.81% 6.58% 7.45% - 6.80%
Return on Equity (ROE)		 7.63% 26.48% 17.84% 8.93% 20.13% 30.49% 5.91% 21.91% 24.73% - 23.36%
Cash Return on Invested Capital (CROIC)		 2.67% -2.28% -0.35% -0.04% -8.62% 5.67% 5.38% 4.21% 2.11% - 3.76%
Operating Return on Assets (OROA)		 1.51% 6.32% 4.26% 2.05% 4.64% 7.74% 1.41% 5.54% 6.54% - 6.26%
Return on Assets (ROA)		 1.29% 5.09% 3.49% 1.67% 3.75% 6.21% 1.19% 4.44% 5.27% - 5.05%
Return on Common Equity (ROCE)		 7.63% 26.48% 17.84% 8.93% 20.13% 30.49% 5.91% 21.91% 24.73% - 23.36%
Return on Equity Simple (ROE_SIMPLE)		 10.93% 0.00% 12.55% 14.83% 16.40% 0.00% 15.15% 17.77% 18.58% - 23.77%
Net Operating Profit after Tax (NOPAT)		 404 1,626 1,123 534 1,260 2,082 395 1,509 1,888 - 1,711
NOPAT Margin		 3.83% 15.02% 10.09% 4.77% 10.67% 17.48% 3.37% 12.56% 15.28% - 14.49%
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		 95.52% 81.36% 87.69% 94.14% 86.79% 78.22% 96.00% 84.35% 81.03% - 82.05%
Earnings before Interest and Taxes (EBIT)		 472 2,019 1,370 656 1,560 2,594 468 1,881 2,344 - 2,119
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 2,245 3,830 3,264 2,516 3,524 4,564 2,434 3,847 4,359 - 4,078
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 1.84 1.71 2.09 1.87 1.93 1.96 2.13 2.05 1.99 - 1.97
Price to Tangible Book Value (P/TBV)		 2.33 2.07 2.56 2.30 2.31 2.35 2.54 2.44 2.33 - 2.29
Price to Revenue (P/Rev)		 0.92 1.04 1.23 1.07 1.19 1.19 1.29 1.28 1.31 - 1.30
Price to Earnings (P/E)		 16.79 14.29 16.66 12.63 11.75 10.94 14.04 11.55 10.70 - 8.29
Dividend Yield		 2.41% 2.10% 1.75% 1.99% 1.75% 1.72% 1.59% 1.59% 1.54% - 1.51%
Earnings Yield		 5.96% 7.00% 6.00% 7.92% 8.51% 9.14% 7.12% 8.65% 9.34% - 12.06%
Enterprise Value to Invested Capital (EV/IC)		 1.50 1.47 1.72 1.57 1.62 1.67 1.79 1.75 1.68 - 1.67
Enterprise Value to Revenue (EV/Rev)		 1.22 1.30 1.50 1.33 1.44 1.42 1.51 1.50 1.57 - 1.57
Enterprise Value to EBITDA (EV/EBITDA)		 5.32 5.17 5.81 4.89 4.94 4.70 5.41 4.95 4.96 - 4.37
Enterprise Value to EBIT (EV/EBIT)		 20.69 15.84 16.74 12.85 11.57 10.55 13.35 10.93 10.36 - 8.04
Enterprise Value to NOPAT (EV/NOPAT)		 22.16 17.85 20.34 15.74 14.28 13.04 16.50 13.55 12.85 - 9.98
Enterprise Value to Operating Cash Flow (EV/OCF)		 6.97 6.92 7.83 7.00 7.12 7.19 7.85 7.38 7.56 - 6.63
Enterprise Value to Free Cash Flow (EV/FCFF)		 57.28 0.00 0.00 0.00 0.00 30.56 34.16 43.44 84.13 - 47.56
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.62 0.45 0.49 0.49 0.44 0.40 0.40 0.38 0.42 - 0.42
Long-Term Debt to Equity		 0.40 0.32 0.32 0.32 0.29 0.29 0.28 0.27 0.29 - 0.29
Financial Leverage		 0.59 0.48 0.48 0.51 0.52 0.43 0.44 0.43 0.43 - 0.41
Leverage Ratio		 5.91 5.20 5.11 5.35 5.37 4.91 4.95 4.93 4.69 - 4.62
Compound Leverage Factor		 5.91 5.20 5.11 5.35 5.37 4.91 4.95 4.93 4.69 - 4.62
Debt to Total Capital		 38.15% 31.20% 32.78% 32.91% 30.69% 28.71% 28.51% 27.41% 29.66% - 29.61%
Short-Term Debt to Total Capital		 13.29% 9.03% 11.21% 11.23% 10.59% 8.16% 8.14% 7.65% 9.04% - 9.22%
Long-Term Debt to Total Capital		 24.86% 22.17% 21.58% 21.68% 20.10% 20.55% 20.37% 19.76% 20.62% - 20.40%
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		 61.85% 68.80% 67.22% 67.09% 69.31% 71.29% 71.49% 72.59% 70.34% - 70.39%
Debt to EBITDA		 1.35 1.10 1.11 1.03 0.93 0.81 0.86 0.78 0.88 - 0.77
Net Debt to EBITDA		 1.29 1.03 1.05 0.97 0.88 0.76 0.81 0.73 0.83 - 0.74
Long-Term Debt to EBITDA		 0.88 0.78 0.73 0.68 0.61 0.58 0.62 0.56 0.61 - 0.53
Debt to NOPAT		 5.64 3.78 3.89 3.31 2.70 2.24 2.63 2.12 2.27 - 1.77
Net Debt to NOPAT		 5.37 3.56 3.68 3.11 2.53 2.11 2.46 2.00 2.14 - 1.69
Long-Term Debt to NOPAT		 3.68 2.69 2.56 2.18 1.77 1.61 1.88 1.53 1.58 - 1.22
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)		 -935 -2,147 -2,142 -3,166 -6,397 -783 -1,813 -2,100 -3,089 - -4,297
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%
Free Cash Flow to Firm to Interest Expense		 -9.54 -21.91 -21.86 -32.31 -65.28 -7.99 -18.31 -21.21 -27.83 - -37.04
Operating Cash Flow to Interest Expense		 31.08 21.47 14.88 17.11 39.54 21.06 13.74 23.58 38.08 - 18.95
Operating Cash Flow Less CapEx to Interest Expense		 31.08 21.47 14.88 17.11 39.54 21.06 13.74 23.58 38.08 - 18.95
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.34 0.34 0.35 0.35 0.35 0.36 0.35 0.35 0.35 - 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
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 32,303 36,221 37,226 37,055 39,960 39,086 39,434 40,664 44,937 - 45,442
Invested Capital Turnover		 1.26 1.19 1.19 1.24 1.24 1.22 1.22 1.22 1.13 - 1.14
Increase / (Decrease) in Invested Capital		 1,339 3,773 3,265 3,700 7,657 2,865 2,208 3,609 4,977 - 6,008
Enterprise Value (EV)		 48,405 53,381 63,842 58,028 64,855 65,210 70,479 71,103 75,461 - 75,913
Market Capitalization		 36,673 42,731 52,305 46,564 53,363 54,687 59,960 60,616 62,862 - 63,072
Book Value per Share		 $87.26 $109.11 $109.27 $108.57 $121.51 $122.74 $124.34 $130.28 $140.40 - $147.92
Tangible Book Value per Share		 $68.77 $90.49 $89.06 $88.39 $101.15 $102.51 $104.05 $109.84 $119.91 - $127.61
Total Capital		 32,303 36,221 37,226 37,055 39,960 39,086 39,434 40,664 44,937 - 45,442
Total Debt		 12,325 11,300 12,204 12,193 12,264 11,222 11,243 11,146 13,328 - 13,456
Total Long-Term Debt		 8,031 8,031 8,032 8,032 8,033 8,033 8,033 8,034 9,267 - 9,268
Net Debt		 11,732 10,650 11,537 11,464 11,492 10,523 10,519 10,487 12,599 - 12,841
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)		 12,325 11,300 12,204 12,193 12,264 11,222 11,243 11,146 13,328 - 13,456
Total Depreciation and Amortization (D&A)		 1,773 1,811 1,894 1,860 1,964 1,970 1,966 1,966 2,015 - 1,959
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $1.75 $7.07 $4.87 $2.32 $5.50 $9.07 $1.73 $6.63 $8.37 $11.10 $7.89
Adjusted Weighted Average Basic Shares Outstanding		 228.80M 229.70M 229M 228.60M 227.40M 228M 226.90M 225.90M 224.10M 224.20M 215.20M
Adjusted Diluted Earnings per Share		 $1.74 $6.99 $4.80 $2.29 $5.42 $8.96 $1.70 $6.53 $8.24 $10.96 $7.78
Adjusted Weighted Average Diluted Shares Outstanding		 231.10M 232.20M 232M 231.50M 230.60M 231.10M 230.40M 229.30M 227.50M 227.60M 218.40M
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		 228.40M 229.13M 228.99M 227.93M 227.02M 226.73M 226.57M 225.13M 223.06M 216.24M 212.64M
Normalized Net Operating Profit after Tax (NOPAT)		 404 1,626 1,123 534 1,260 2,082 395 1,509 1,888 - 1,711
Normalized NOPAT Margin		 3.83% 15.02% 10.09% 4.77% 10.67% 17.48% 3.37% 12.56% 15.28% - 14.49%
Pre Tax Income Margin		 4.48% 18.64% 12.31% 5.87% 13.21% 21.78% 4.00% 15.65% 18.97% - 17.95%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 4.82 20.60 13.98 6.69 15.92 26.47 4.73 19.00 21.12 - 18.27
NOPAT to Interest Expense		 4.12 16.59 11.46 5.45 12.86 21.24 3.99 15.24 17.01 - 14.75
EBIT Less CapEx to Interest Expense		 4.82 20.60 13.98 6.69 15.92 26.47 4.73 19.00 21.12 - 18.27
NOPAT Less CapEx to Interest Expense		 4.12 16.59 11.46 5.45 12.86 21.24 3.99 15.24 17.01 - 14.75
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 40.98% 30.36% 29.37% 25.33% 20.76% 19.02% 22.52% 18.45% 16.63% - 12.84%
Augmented Payout Ratio		 104.81% 62.39% 55.18% 43.31% 38.61% 39.09% 46.01% 42.36% 44.30% - 72.53%

Financials Breakdown Chart

Key Financial Trends

Travelers Companies, Inc. (NYSE: TRV) has shown a generally positive trajectory in revenue, profitability, and cash generation across the latest four years of quarterly statements, even as debt levels have risen modestly. Below are the key trends and data points that stand out for retail investors from the quarterly reports provided.

  • Total Revenue in Q4 2025 reached $12.316B, up from $11.910B in Q4 2024 (roughly +3.4% year over year), supported by sustained premiums and investment income.
  • Net income attributable to common shareholders rose to $2.496B in Q4 2025 from $2.082B in Q4 2024 (roughly +20%), signaling stronger bottom-line performance.
  • Diluted earnings per share increased to $10.96 in Q4 2025 from $8.96 in Q4 2024 (about +22%), reflecting higher net income and efficiency gains.
  • Net cash from operating activities grew to about $2.685B in Q4 2025, up from about $2.062B in Q4 2024, indicating stronger core cash generation.
  • Premiums earned rose to $11.148B in Q4 2025 from $9.973B in Q4 2024, showing continued strength in core insurance premiums.
  • Net realized and unrealized capital gains on investments climbed to about $1.034B in Q4 2025 from about $0.900B in Q4 2024, bolstering non-interest income.
  • Balance sheet remains well-capitalized with Total Assets around $144B, Total Liabilities around $112B, and Total Equity near $31B in the latest reported quarter (Q3 2025 data used for the snapshot).
  • Non-interest income and expense lines show a stable mix, with insurance operations and investment income providing a diversified earnings stream.
  • Long-term debt increased to about $9.27B by Q3 2025, contributing to a higher leverage level over the period.
  • Net cash from financing activities was negative in the latest quarter (about -$1.83B in Q4 2025), reflecting ongoing cash outflows for dividends and share repurchases.
05/12/26 12:52 PM ETAI Generated. May Contain Errors.

Travelers Companies Financials - Frequently Asked Questions

According to the most recent income statement we have on file, Travelers Companies' fiscal year ends in December. Their fiscal year 2025 ended on December 31, 2025.

Travelers Companies' net income appears to be on an upward trend, with a most recent value of $6.29 billion in 2025, rising from $3.44 billion in 2015. The previous period was $5.00 billion in 2024. View Travelers Companies' forecast to see where analysts expect Travelers Companies to go next.

Over the last 10 years, Travelers Companies' total revenue changed from $26.44 billion in 2015 to $48.40 billion in 2025, a change of 83.1%.

Travelers Companies' total liabilities were at $110.81 billion at the end of 2025, a 5.2% increase from 2024, and a 44.7% increase since 2015.

In the past 10 years, Travelers Companies' cash and equivalents has ranged from $307 million in 2016 to $842 million in 2025, and is currently $842 million as of their latest financial filing in 2025.


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Financial statements for NYSE:TRV last updated on 4/23/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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