Travelers Companies Inc (TRV)
SubavaliadaFundamental
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
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
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
Sinais mistos: algumas áreas requerem atenção
Qualidade dos Resultados
Alta qualidade: resultados respaldados por caixa
Diluição de Ações
A recomprar ações. Favorável ao acionista
Participações institucionais
Não há declarações institucionais para esta empresa.
Governação
Equipa Executiva
| Nome | Cargo | Idade |
|---|---|---|
| Mr. Alan David Schnitzer J.D. | Chairman & CEO | 59 |
| Mr. Daniel Stephen Frey C.P.A. | Executive VP & CFO | 60 |
| Mr. Avrohom J. Kess | Vice Chairman & Chief Legal Officer | 56 |
| Mr. Michael Frederick Klein | Executive VP & President of Personal Insurance | 57 |
| Mr. Gregory Cheshire Toczydlowski | Executive VP & President of Business Insurance | 58 |
| Ms. Mojgan Mehdian Lefebvre | Executive VP, Chief Technology & Operations Officer | 59 |
| Mr. David Donnay Rowland CFA | Executive VP & Co-Chief Investment Officer | 59 |
| Mr. Daniel Tei-Hwa Yin | Executive VP & Co-Chief Investment Officer | 59 |
| Mr. Paul Edward Munson | Senior VP of Finance, Corporate Controller & Principal Accounting Officer | 59 |
| Mr. Andy Francis Bessette | Executive VP & Chief Administrative Officer | 71 |
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
- Ver documento
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
via SEC EDGAR
Histórico de Resultados
via SEC EDGAR
Latest News
Recent headlines for TRV, sourced from Markets Gazette.
- 7/24/2026NEGATIVETravelers 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.
- 4/16/2026NEGATIVEPersonal 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.
- 4/15/2026NEUTRALWhy 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.
- 4/15/2026NEUTRALTravelers 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.
- 3/5/2026NEUTRALPeering 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