Voltar à classificação

Travelers Companies Inc (TRV)

Subavaliada
Financial ServicesInsurance - Property & CasualtyUnited States

Fundamental

80

Preço

$359.61

Capitalização de Mercado

$75.75B

Parte 1 · Quanto vale a empresa

Visão Geral

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.

No editorial profile for this company yet

Direct competitors

Who this company fights with for the same customers

No editorial profile for this company yet

No competitor list for this company yet.

Balanço & Liquidez

Receita

$48.98B

Últimos 12 meses (até 30/06/2026)

Resultado Líquido

$8.30B

Últimos 12 meses (até 30/06/2026)

Fluxo de Caixa Livre

-

Capital Próprio Total

$32.89B

Passivo Total

$110.81B

Rácio de Liquidez

0.89

Cobertura de Juros

-

Dívida/EBITDA

0.79

Resultados Por Ação

Receita & Resultado Líquido

Fluxo de Caixa Livre

Decomposição dos Resultados

Demonstração histórica

Margens ao longo do tempo

A dívida ao longo do tempo

Quanto pesa a dívida

Grelha do crescimento

Crescimento — Receitas

Estimativa de Valor Justo

SeguradoraSubvalorizada

Valor Justo

$558.73

Preço Atual

$359.61

Margem de Segurança

+35.6%

Intervalo de Valor Justo

$363.17 - $754.28

Dispersão entre os métodos de avaliação utilizados, não um intervalo de confiança calibrado estatisticamente.

Métodos de Estimativa

Preço-alvo dos analistas:$360.71
Fluxo de caixa descontado (DCF):Não aplicável a este tipo de empresa
Multiplicador de lucros (P/E):$431.04
Fórmula de crescimento de Graham:Não aplicável a este tipo de empresa
Valor da capacidade de gerar lucro (EPV):Não aplicável a este tipo de empresa
P/B justificado:$817.43
Desconto de dividendos (Gordon):$114.63
P/FFO, fundos de operações:Não aplicável a este tipo de empresa
Lucros de meio de ciclo:Não aplicável a este tipo de empresa
Multiplicador sobre as receitas:Não aplicável a este tipo de empresa
Consenso dos Analistas:Manter (9B / 21H / 5S)
Última Surpresa de Resultados:+83.39%

Métricas de Avaliação

Rácio P/E

9.57

ROE

19.1%

Rácio P/B

2.25

P/FCF

-

Margem Bruta

-

ROIC

-

Radar de Rentabilidade

Criação de Valor (Vantagem Competitiva)

ROIC

-

WACC

7.5%

ROIC − WACC

-

Critérios de Análise Fundamental

Aprovado (17)

  • EPS shows upward trend
  • EPS CAGR 8.01%
  • Price CAGR 11.85%
  • P/B Ratio 2.25
  • 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

Reprovado (2)

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

Indisponível (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

Sinais mistos: algumas áreas requerem atenção

score
criteria

Qualidade dos Resultados

1.33

Alta qualidade: resultados respaldados por caixa

Diluição de Ações

-1.5%

A recomprar ações. Favorável ao acionista

Participações institucionais

Não há declarações institucionais para esta empresa.

Governação

Equipa Executiva

NomeCargoIdade
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

Risco de Auditoria

3

Risco do Conselho

9

Risco de Remuneração

4

Risco dos Direitos dos Acionistas

1

Parte 2 · O preço e o momento de entrar

Esta parte não serve para saber se a empresa vale: serve para escolher quando comprá-la, depois que os fundamentos te convenceram. Dentro: análise técnica, potencial, quedas históricas, exposição gama.

Documentos

  • Relatório anual (10-K)

    Uma visão anual do negócio, dos resultados financeiros e dos riscos da empresa.

    Arquivado em 2026-02-12

    Ver documento
  • Relatório trimestral (10-Q)

    Uma atualização sobre o desempenho financeiro dos últimos três meses.

    Arquivado em 2026-07-17

    Ver documento
  • Relatório de fato relevante (8-K)

    Um aviso sobre um fato relevante, como uma mudança na liderança ou um grande anúncio.

    Arquivado em 2026-08-07

    Ver documento

via SEC EDGAR

Histórico de Resultados

via SEC EDGAR

Latest News

Recent headlines for TRV, sourced from 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