Travelers Companies Inc.
TRV
Market Cap$61.13B
Close$
Earnings Call Q2 2025
July 17, 2025 - AI Summary
Strong Financial Performance: Travelers reported a core income of $1.5 billion ($6.51 per diluted share) for Q2 2025, representing a 36% increase from the prior year. The core return on equity reached 18.8%, bolstered by a significant improvement in the combined ratio to 90.3%, which reflects effective underwriting and cost management.
Premium Growth Across Segments: The company achieved net written premium growth of 5% year-over-year, totaling $11.5 billion. Notably, Business Insurance drove this growth with a 5% increase in premiums, anchored by a strong renewal premium change of 7.7%. The Personal Insurance segment also grew by 3%, supported by robust performance in homeowners insurance.
Challenges in Pricing and Market Dynamics: While overall pricing remained strong, there were indications of weakening in certain areas, notably national property accounts. The company observed competitive pricing pressure, particularly within the large account market, raising concerns about potential trickle-down effects on middle-market premiums.
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$648.92
132.2% upside
Current Fair Value
132.2% upsideUndervalued by 132.2% based on the discounted cash flow analysis.
Share Statistics
| Market cap | $61.13 Billion |
|---|---|
| Enterprise Value | $61.13 Billion |
| Dividend Yield | $4.25 (1.57%) |
| Earnings per Share | $21.76 |
| Beta | 0.53 |
| Outstanding Shares | 225,900,000 |
Return
| Return on Equity | - |
|---|---|
| Return on Assets | - |
| Return on Invested Capital | - |
Valuation & Multiples
| P/E Ratio | 11.69 |
|---|---|
| PEG | 6.4 |
| Price to Sales | 1.32 |
| Price to Book Ratio | 2.15 |
| Enterprise Value to Revenue | 1.28 |
| Enterprise Value to EBIT | 12.68 |
| Enterprise Value to Net Income | 11 |
| Total Debt to Enterprise | 0 |
| Debt to Equity | 0 |
Revenue Sources
No data
Insider Trades
ESG Score
No data
About Travelers Companies Inc.
30,800 employees
CEO: Alan Schnitzer The Travelers Companies, Inc. is a leading provider of property casualty insurance for auto, home and business. A component of the Dow Jones Industrial Average, Travelers has approximately 30,000 employees and generated revenues of approximately $32 billion in 2020.