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Travelers Companies Inc (TRV)

被低估
Financial ServicesInsurance - Property & CasualtyUnited States

基本面

80

价格

$356.51

市值

$75.75B

第一部分 · 这家公司值多少

概览

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.

资产负债表与流动性

营收

$48.98B

最近12个月(截至2026/6/30)

净利润

$8.30B

最近12个月(截至2026/6/30)

自由现金流

-

股东权益合计

$32.89B

负债合计

$110.81B

流动比率

0.89

利息覆盖率

-

债务/EBITDA

0.79

每股收益

营收与净利润

自由现金流

收入构成

历史财务表

利润率变化

债务变化

债务负担有多重

增长一览表

增长 — 营业收入

公允价值估算

保险被低估

公允价值

$558.73

当前价格

$356.51

安全边际

+36.2%

公允价值区间

$363.17 - $754.28

所用估值方法之间的离散区间,并非经过统计校准的置信区间。

估算方法

分析师目标价:$360.71
现金流折现法(DCF):不适用于此类公司
市盈率法(P/E):$431.04
格雷厄姆成长公式:不适用于此类公司
盈利能力价值(EPV):不适用于此类公司
合理市净率(P/B):$817.43
股息折现模型(戈登模型):$114.63
P/FFO(运营资金):不适用于此类公司
周期中段收益:不适用于此类公司
市销率法(P/S):不适用于此类公司
分析师共识:持有 (9B / 21H / 5S)
最近财报超预期:+83.39%

估值指标

市盈率(P/E)

9.57

ROE

19.1%

市净率(P/B)

2.25

P/FCF

-

毛利率

-

ROIC

-

盈利能力雷达图

价值创造(经济护城河)

ROIC

-

WACC

7.5%

ROIC − WACC

-

基本面分析标准

通过(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

未通过(2)

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

不可用(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-评分

6/9

信号混杂:部分领域需关注

score
criteria

盈利质量

1.33

高质量:盈利有现金流支撑

股权稀释

-1.5%

正在回购股份,对股东友好

机构持股

该公司暂无机构申报数据。

公司治理

管理团队

姓名职位年龄
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

审计风险

3

董事会风险

9

薪酬风险

4

股东权利风险

1

第二部分 · 价格与买入时机

这一部分不判断公司是否值得拥有:它帮助你在基本面说服你之后,选择何时买入。包含:技术分析、潜力、历史回撤、Gamma 敞口。

文件

  • 年度报告(10-K)

    对公司业务、财务业绩和风险的年度概述。

    提交日期:2026-02-12

    查看文件
  • 季度报告(10-Q)

    最近三个月财务表现的最新情况。

    提交日期:2026-07-17

    查看文件
  • 临时报告(8-K)

    关于重大事件(如管理层变动或重要公告)的通知。

    提交日期:2026-08-07

    查看文件

via SEC EDGAR

损益历史

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