TRV · Travelers Companies, Inc. - Financials
Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.
Income Statement
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Revenue | $48.83B | $46.42B | $41.36B | $36.88B | $34.82B | $31.98B |
| Cost of Revenue | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - |
| SG&A | $6.12B | $5.82B | $5.18B | $4.81B | $4.68B | $4.51B |
| Total Operating Expenses | - | - | - | - | - | - |
| D&A | $680.00M | $715.00M | $722.00M | $826.00M | $870.00M | $789.00M |
| Operating Income | $7.80B | $6.18B | $3.37B | $3.35B | $4.46B | $3.24B |
| Interest Expense | $425.00M | $392.00M | $376.00M | $351.00M | $340.00M | $339.00M |
| Income Tax | $1.51B | $1.18B | $380.00M | $512.00M | $796.00M | $540.00M |
| Net Income | $6.29B | $5.00B | $2.99B | $2.84B | $3.66B | $2.70B |
| EPS - Basic | $27.83 | $21.76 | $12.93 | $11.91 | $14.63 | $10.56 |
| EPS - Diluted | $27.43 | $21.47 | $12.79 | $11.77 | $14.49 | $10.52 |
Balance Sheet
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Cash & Equivalents | $842.00M | $699.00M | $650.00M | $799.00M | $761.00M | $721.00M |
| Accounts Receivable | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - |
| Total Assets | $143.71B | $133.19B | $125.98B | $115.72B | $120.47B | $116.76B |
| Current Liabilities | - | - | - | - | - | - |
| Long-term Debt | - | - | - | - | - | - |
| Total Liabilities | $110.81B | $105.33B | $101.06B | $94.16B | $91.58B | $87.56B |
| Stockholders' Equity | $32.89B | $27.86B | $24.92B | $21.56B | $28.89B | $29.20B |
| Retained Earnings | $54.93B | $49.63B | $45.59B | $43.52B | $41.55B | $38.77B |
Cash Flow
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Operating Cash Flow | $10.61B | $9.07B | $7.71B | $6.46B | $7.27B | $6.52B |
| Investing Cash Flow | ($7.65B) | ($7.26B) | ($6.82B) | ($3.73B) | ($5.20B) | ($4.89B) |
| Financing Cash Flow | ($2.66B) | ($1.75B) | ($1.05B) | ($2.67B) | ($2.04B) | ($1.42B) |
| CapEx | - | - | - | - | - | - |
| Free Cash Flow | - | - | - | - | - | - |
Ratios
| Metric | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Profitability | ||||||
| Gross margin | - | - | - | - | - | - |
| Operating margin | 16.0% | 13.3% | 8.1% | 9.1% | 12.8% | 10.1% |
| EBITDA margin | 17.4% | 14.9% | 9.9% | 11.3% | 15.3% | 12.6% |
| Net margin | 12.9% | 10.8% | 7.2% | 7.7% | 10.5% | 8.4% |
| Free cash flow margin | - | - | - | - | - | - |
| FCF / Net income | - | - | - | - | - | - |
| R&D / Revenue | - | - | - | - | - | - |
| SG&A / Revenue | 12.5% | 12.5% | 12.5% | 13.0% | 13.4% | 14.1% |
| Effective tax rate | 19.3% | 19.1% | 11.3% | 15.3% | 17.9% | 16.7% |
| Return on assets | 4.4% | 3.8% | 2.4% | 2.5% | 3.0% | 2.3% |
| Return on equity | 19.1% | 17.9% | 12.0% | 13.2% | 12.7% | 9.2% |
| Return on invested capital | - | - | - | - | - | - |
| Liquidity | ||||||
| Current ratio | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - |
| Leverage | ||||||
| Debt / Equity | - | - | - | - | - | - |
| Debt / Assets | - | - | - | - | - | - |
| Debt / EBITDA | - | - | - | - | - | - |
| Interest coverage | 18.3x | 15.8x | 9.0x | 9.6x | 13.1x | 9.5x |
| Equity multiplier | 4.37 | 4.78 | 5.06 | 5.37 | 4.17 | 4.00 |
| Liabilities / Assets | 0.77 | 0.79 | 0.80 | 0.81 | 0.76 | 0.75 |
| Efficiency | ||||||
| Asset turnover | 0.34 | 0.35 | 0.33 | 0.32 | 0.29 | 0.27 |
| Inventory turnover | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - |
| Valuation | ||||||
| P / E | 10.6x | 11.2x | 14.9x | 15.9x | 10.8x | 13.3x |
| P / B | 2.0x | 2.0x | 1.8x | 2.1x | 1.4x | 1.2x |
| P / S | 1.4x | 1.2x | 1.1x | 1.2x | 1.1x | 1.1x |
| EV / EBITDA | 7.7x | 8.0x | 10.6x | 10.6x | 7.2x | 8.7x |
| Growth | ||||||
| Revenue growth (YoY) | 5.2% | 12.2% | 12.1% | 5.9% | 8.9% | 1.3% |
| Revenue CAGR (3y) | 9.8% | 10.1% | 9.0% | 5.3% | 4.8% | 3.4% |
| Revenue CAGR (5y) | 8.8% | 8.0% | 6.4% | 5.0% | 4.7% | 3.6% |
| Gross profit growth (YoY) | - | - | - | - | - | - |
| Operating income growth (YoY) | 26.1% | 83.3% | 0.5% | -24.8% | 37.7% | 3.2% |
| Net income growth (YoY) | 25.8% | 67.1% | 5.2% | -22.4% | 35.8% | 2.9% |
| EPS growth (YoY) | 27.8% | 67.9% | 8.7% | -18.8% | 37.7% | 6.0% |
| EPS CAGR (3y) | 32.6% | 14.0% | 6.7% | 5.9% | 16.0% | 12.8% |
| EPS CAGR (5y) | 21.1% | 16.7% | 6.6% | 9.9% | 7.1% | -0.7% |
| FCF growth (YoY) | - | - | - | - | - | - |
| FCF CAGR (5y) | - | - | - | - | - | - |
| Book value growth (YoY) | 18.1% | 11.8% | 15.6% | -25.4% | -1.1% | 12.6% |
Sales by segment
From XBRL dimensional facts in the 10-K period ending 2025-12-31.
Geographic
$51.30B totalUS$46.36B · 90.4%
Non Us$2.47B · 4.8%
CA$1.34B · 2.6%
Other Non United States$1.12B · 2.2%
Stability scores
Piotroski F-score
FY 2025 · 9-point quality
5/9
Neutral
- ✓Net income positive
- ✓Operating cash flow positive
- ✓ROA improved YoY
- ✓Cash flow > net income
- -Long-term debt decreased
- -Current ratio improved
- ✓No share dilution
- -Gross margin improved
- ✗Asset turnover improved
Peer comparison
Same SIC group: Fire, Marine & Casualty Insurance
Comparing TRAVELERS COMPANIES against the 5 most active filers in the same SIC group.
Dividends
$4.40/share trailing 12 months · +4.8% YoY
| Ex-date | Per share |
|---|---|
| Mar 10, 2026 | $1.1000 |
| Dec 10, 2025 | $1.1000 |
| Sep 10, 2025 | $1.1000 |
| Jun 10, 2025 | $1.1000 |
| Mar 10, 2025 | $1.0500 |
| Dec 10, 2024 | $1.0500 |
| Sep 10, 2024 | $1.0500 |
| Jun 10, 2024 | $1.0500 |
| Mar 7, 2024 | $1.0000 |
| Dec 7, 2023 | $1.0000 |
| Sep 7, 2023 | $1.0000 |
| Jun 8, 2023 | $1.0000 |
| Mar 9, 2023 | $0.9300 |
| Dec 8, 2022 | $0.9300 |
| Sep 8, 2022 | $0.9300 |
| Jun 9, 2022 | $0.9300 |
| Mar 9, 2022 | $0.8800 |
| Dec 9, 2021 | $0.8800 |
| Sep 9, 2021 | $0.8800 |
| Jun 9, 2021 | $0.8800 |
| Mar 9, 2021 | $0.8500 |
| Dec 9, 2020 | $0.8500 |
| Sep 9, 2020 | $0.8500 |
| Jun 9, 2020 | $0.8500 |