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Travelers Companies Inc (TRV)

Sottovalutato
Financial ServicesInsurance - Property & CasualtyUnited States

Fondamentale

80

Prezzo

$359.79

Capitalizzazione

$75.75B

Parte 1 · Quanto vale l'azienda

Panoramica

The Travelers Companies, Inc., through its subsidiaries, provides a range of commercial and personal property, and casualty insurance products and services to businesses, government units, associations, and individuals in the United States, Canada, and internationally. It operates through three segments: Business Insurance, Bond & Specialty Insurance, and Personal Insurance. The Business Insurance segment offers workers' compensation, commercial automobile and property, general liability, commercial multi-peril, employers' liability, public and product liability, professional indemnity, marine, aviation, commercial property and automobile, onshore and offshore energy, construction, terrorism, personal accident, and kidnap and ransom insurance products. This segment operates through select accounts, which serve small businesses; middle accounts that serve mid-sized businesses; national accounts, which serve large companies; and national property and others that serve large and mid-sized customers, commercial trucking industry, and agricultural businesses, as well as markets and distributes its products through brokers, wholesale agents, and program managers. The Bond & Specialty Insurance segment provides surety, fidelity, management and professional liability, and other property and casualty coverages and related risk management services through independent agencies and brokers. The Personal Insurance segment offers property and casualty insurance covering personal risks, primarily automobile and homeowners' insurance to individuals. The Travelers Companies, Inc. was founded in 1853 and is based in New York, New York.

Per questa società non c'è ancora una scheda redazionale

Concorrenti diretti

Con chi questa società si contende gli stessi clienti

Per questa società non c'è ancora una scheda redazionale

Per questa società non c'è ancora un elenco di concorrenti.

Stato Patrimoniale e Liquidità

Ricavi

$48.98B

Ultimi 12 mesi (al 30/06/2026)

Utile Netto

$8.30B

Ultimi 12 mesi (al 30/06/2026)

Free Cash Flow

-

Patrimonio Netto Totale

$32.89B

Passività Totali

$110.81B

Rapporto di Liquidità

0.89

Copertura Interessi

-

Debito/EBITDA

0.79

Utile per Azione

Ricavi e Utile Netto

Free Cash Flow

Scomposizione Ricavi

Prospetto storico

Margini nel tempo

Il debito nel tempo

Quanto pesa il debito

Griglia della crescita

Crescita — Ricavi

Stima del Fair Value

AssicurazioneSottovalutato

Fair Value

$558.73

Prezzo Attuale

$359.79

Margine di Sicurezza

+35.6%

Range Fair Value

$363.17 - $754.28

Intervallo di dispersione tra i metodi di valutazione usati, non una stima statisticamente calibrata.

Metodi di Stima

Target degli analisti:$360.71
Flussi di cassa scontati (DCF):Non applicabile a questo tipo di azienda
Multiplo sugli utili (P/E):$431.04
Formula di Graham:Non applicabile a questo tipo di azienda
Valore della capacità di reddito (EPV):Non applicabile a questo tipo di azienda
P/B giustificato:$817.43
Sconto dei dividendi (Gordon):$114.63
P/FFO, i fondi da operazioni:Non applicabile a questo tipo di azienda
Utili di mezzo ciclo:Non applicabile a questo tipo di azienda
Multiplo sui ricavi:Non applicabile a questo tipo di azienda
Consenso Analisti:Hold (9B / 21H / 5S)
Ultima Sorpresa Utili:+83.39%

Metriche di Valutazione

Rapporto P/E

9.71

ROE

19.1%

Rapporto P/B

2.28

P/FCF

-

Margine Lordo

-

ROIC

-

Radar Redditività

Creazione di Valore (Vantaggio Competitivo)

ROIC

-

WACC

7.5%

ROIC − WACC

-

Criteri di Analisi Fondamentale

Superati (17)

  • EPS shows upward trend
  • EPS CAGR 8.01%
  • Price CAGR 11.85%
  • P/B Ratio 2.28
  • Debt/Equity ratio
  • Debt/EBITDA
  • Return on Tangible Assets
  • Low reliance on intangibles
  • Price below Graham Number
  • ROE 25.6%
  • Revenue Growth 5Y 8.8%
  • Earnings Surprise avg 35.7%
  • PEG Ratio 0.43
  • Earnings Quality (OCF/NI) 1.33
  • Share Dilution -1.5%
  • Net Margin Trend 17.0% vs 11.0%
  • Piotroski F-Score 6/9

Non superati (2)

  • DCF valuation (Unknown)
  • Analyst Consensus 26% Buy

Non disponibili (9)

  • ROIC NaN%
  • Gross Margin NaN%
  • P/FCF NaN
  • Dividend Payout NaN%
  • Operating Margin NaN%
  • Positive Free Cash Flow
  • CapEx intensity
  • Current Ratio
  • Interest Coverage

Piotroski F-Score

6/9

Segnali misti: alcune aree necessitano attenzione

score
criteria

Qualità degli Utili

1.33

Alta qualità: utili supportati da cash

Diluizione Azionaria

-1.5%

Riacquisto azioni. Favorevole agli azionisti

Partecipazioni istituzionali

Nessuna dichiarazione istituzionale per questa azienda.

Governance

Team Dirigenziale

NomeRuoloEtà
Mr. Alan David Schnitzer J.D.Chairman & CEO59
Mr. Daniel Stephen Frey C.P.A.Executive VP & CFO60
Mr. Avrohom J. KessVice Chairman & Chief Legal Officer56
Mr. Michael Frederick KleinExecutive VP & President of Personal Insurance57
Mr. Gregory Cheshire ToczydlowskiExecutive VP & President of Business Insurance58
Ms. Mojgan Mehdian LefebvreExecutive VP, Chief Technology & Operations Officer59
Mr. David Donnay Rowland CFAExecutive VP & Co-Chief Investment Officer59
Mr. Daniel Tei-Hwa YinExecutive VP & Co-Chief Investment Officer59
Mr. Paul Edward MunsonSenior VP of Finance, Corporate Controller & Principal Accounting Officer59
Mr. Andy Francis BessetteExecutive VP & Chief Administrative Officer71

Rischio Audit

3

Rischio CdA

9

Rischio Compensi

4

Rischio Diritti Azionisti

1

Parte 2 · Il prezzo e il momento d'ingresso

Questa parte non serve a capire se l'azienda vale: serve a scegliere quando comprarla, dopo che i fondamentali ti hanno convinto. Dentro: analisi tecnica, potenziale, drawdown storici, esposizione gamma.

Documenti

  • Relazione annuale (10-K)

    Una panoramica annuale del business, dei risultati finanziari e dei rischi dell'azienda.

    Depositato il 2026-02-12

    Vedi documento
  • Relazione trimestrale (10-Q)

    Un aggiornamento sull'andamento finanziario degli ultimi tre mesi.

    Depositato il 2026-07-17

    Vedi documento
  • Comunicazione price-sensitive (8-K)

    Una comunicazione su un evento importante, come un cambio ai vertici o un grande annuncio.

    Depositato il 2026-08-07

    Vedi documento

via SEC EDGAR

Storico Ricavi

via SEC EDGAR

Ultime Notizie

Ultime notizie per TRV, da Markets Gazette.

  • 7/24/2026NEGATIVE
    Travelers Draws Wave of Bears as Stock Eyes Best Year Since 2000

    Travelers Companies Inc. (TRV) shares are facing increased bearish sentiment despite a strong year, with Wall Street analysts issuing a wave of downgrades. This comes as many believe the stock's significant gains, its best performance in over 25 years, may have reached their peak. The market's reaction suggests a potential shift in investor outlook, with analysts anticipating that the recent rally might not be sustainable, prompting a re-evaluation of the stock's future prospects.

  • 4/16/2026NEGATIVE
    Personal Insurance Weakness Overshadows Travelers Profit Growth

    Travelers Companies Inc. reported Q1 earnings that surpassed analyst expectations, with EPS coming in above estimates and core income surging by an impressive 283%. However, this positive financial performance was overshadowed by a decline in premiums, a key metric for insurance revenue. The weakness in the personal insurance segment, despite the overall profit growth, has led to a slip in the company's stock price, signaling investor concern over the sustainability of future revenue streams.

  • 4/15/2026NEUTRAL
    Why insurance giant Travelers’ CTO is placing fewer, bigger bets on AI

    Travelers Companies' CTO, Mojgan Lefebvre, indicated a strategic shift towards fewer, larger-scale AI implementations rather than numerous small projects. This approach prioritizes maximizing the impact and efficiency of AI investments. While not directly impacting current financials, this strategic focus on AI scalability suggests a long-term vision for operational enhancement and competitive positioning within the insurance sector. Investors may view this as a prudent, albeit measured, approach to technological adoption, aiming for substantial returns on AI initiatives.

  • 4/15/2026NEUTRAL
    Travelers Gears Up For Q1 Print; Here Are The Recent Forecast Changes From Wall Street's Most Accurate Analysts

    Travelers Companies is scheduled to report its first-quarter earnings on April 16th. Wall Street analysts are forecasting earnings per share of $6.99 and revenue of $11.11 billion. The stock experienced a slight decline of 0.6% on Tuesday, closing at $299.59. Recent analyst ratings show a mixed sentiment, with Morgan Stanley maintaining an Equal-Weight rating in February 2022 and Barclays downgrading to Equal-Weight from Overweight in January 2022. Investors will be closely watching the earnings report for any deviations from these expectations and for management's outlook on the insurance sector.

  • 3/5/2026NEUTRAL
    Peering Into The Travelers Companies Inc's Recent Short Interest

    Analysis of recent short interest in The Travelers Companies Inc. (TRV) reveals a complex picture. While specific data on the extent of short interest is not detailed in the provided excerpt, the discussion suggests investors are closely monitoring the stock's position. Short interest, representing bets on a price decrease, can offer insights into market sentiment regarding the insurance company's future prospects. An increase in short interest might signal concerns, while a decrease could indicate growing confidence. Without precise figures, the trading impact remains speculative.

via Markets Gazette