TRV
Financial ServicesThe Travelers Companies, Inc. · Insurance - Property & Casualty · $82B
What is The Travelers Companies, Inc.?
The Travelers Companies is one of the largest property and casualty insurers in the United States, serving businesses, government entities, and individual policyholders across a broad range of coverage lines.
Travelers generates revenue primarily through insurance premiums across three segments: Business Insurance, Bond & Specialty Insurance, and Personal Insurance. It underwrites risk for small businesses, large corporations, and individual consumers, distributing products through independent agents, brokers, and program managers domestically and internationally.
Travelers traces its current corporate structure to 1975 and is headquartered in New York City.
- Commercial property and casualty insurance
- Surety, fidelity, and management liability coverage
- Personal automobile and homeowners insurance
- Bond and specialty risk management services
Is TRV a Good Stock to Buy?
UQS Score rates TRV as Good overall, reflecting a balanced profile across the five quality pillars.
The Quality and Risk pillars both score at a Good level, suggesting the business maintains sound underwriting discipline and manageable financial risk. Valuation also registers as Good, meaning the stock does not appear stretched relative to its fundamentals.
The Moat and Growth pillars both register as Weak, indicating limited competitive differentiation and below-average growth prospects relative to sector peers.
See the exact pillar breakdown and full financial metrics by signing up for a UQS Pro account. Sign up free →
Past performance does not guarantee future results. UQS Score is based on fundamental data and is not a buy/sell recommendation.
Does TRV pay dividends?
Yes — The Travelers Companies, Inc. pays a dividend.
Travelers pays a regular dividend, consistent with its position as a mature, cash-generative insurer. The company has historically prioritized returning capital to shareholders alongside share repurchases, reflecting the steady, premium-driven nature of its business model.
When does TRV report earnings?
The Travelers Companies reports earnings on a quarterly cadence, typical for US-listed equities.
Results tend to be influenced by catastrophe loss activity, reserve development, and investment income trends — all core dynamics in property and casualty insurance. Underwriting profitability can vary meaningfully quarter to quarter depending on weather events and claims experience.
For the most recent quarter's results, visit The Travelers Companies' investor relations page directly.
TRV Price History
+163.8% over 5Y
Monthly close, adjusted for stock splits and dividend reinvestment.
What if I invested in The Travelers Companies, Inc.?
Based on The Travelers Companies, Inc.'s historical closing prices, adjusted for stock splits and dividend reinvestment. Past performance does not guarantee future results. This is for informational purposes only and is not financial advice.
Frequently Asked Questions
What does Travelers do?
Travelers is a major US property and casualty insurer operating across commercial, specialty, and personal lines. It covers risks ranging from workers' compensation and commercial auto to homeowners insurance, serving businesses of all sizes and individual consumers through a broad agent and broker network.
Does TRV pay dividends?
Yes, Travelers pays a regular dividend. As a large, established insurer with consistent premium income, the company has a track record of returning capital to shareholders. Check the company's investor relations page for the current dividend rate and payment schedule.
When does TRV report earnings?
Travelers follows a standard quarterly earnings calendar. Exact upcoming dates are best confirmed on the company's investor relations page, as schedules can shift slightly each quarter.
Is TRV a good stock to buy?
UQS Score rates TRV as Good overall. Its Quality and Risk pillars are both at a Good level, and Valuation appears reasonable. However, Moat and Growth are both Weak, which may limit upside for investors seeking high-growth or strongly differentiated businesses. The full pillar breakdown is available to Pro members.
Is TRV overvalued?
The UQS Valuation pillar for TRV is rated Good, suggesting the stock is not significantly overpriced relative to its fundamentals. For detailed valuation metrics and how they compare to sector peers, the complete analysis is available to Pro members.
What is TRV's market cap bracket?
Travelers is a large-cap company, placing it among the more substantial publicly traded insurers in the US market.
Is TRV a long-term quality indicator?
From a quality standpoint, TRV's Good scores in Quality and Risk suggest a reasonably durable business. The Weak Moat and Growth ratings, however, indicate investors should weigh whether the company's competitive position and expansion trajectory align with their long-term goals. Pro members can view the full analysis.
What sector does TRV belong to?
Travelers operates in the Financial Services sector, specifically within the property and casualty insurance industry — a segment driven by underwriting discipline, investment income, and claims management rather than traditional lending or capital markets activity.
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Pro Analysis
TRV — Score History
| Date | UQS | Quality | Moat | Growth | Risk | Value | Change |
|---|---|---|---|---|---|---|---|
| Aug 3, 2026 | 51.3 | 63.8 | 35.0 | 26.0 | 42.9 | 100.0 | -5.3 |
| Jul 27, 2026 | 56.6 | 80.3 | 35.0 | 29.5 | 63.6 | 82.0 | 0.0 |
| Jul 25, 2026 | 56.6 | 80.3 | 35.0 | 29.5 | 63.6 | 82.4 | +1.8 |
| Jul 24, 2026 | 54.8 | 80.3 | 35.0 | 27.3 | 63.6 | 73.4 | -0.1 |
| Jul 23, 2026 | 54.9 | 80.3 | 35.0 | 27.3 | 63.6 | 74.1 | -1.0 |
| Jul 22, 2026 | 55.9 | 77.6 | 35.0 | 27.3 | 75.4 | 73.4 | -0.1 |
| Jul 21, 2026 | 56.0 | 77.6 | 35.0 | 27.3 | 75.4 | 73.7 | +0.4 |
| Jul 20, 2026 | 55.6 | 77.6 | 35.0 | 27.1 | 75.4 | 71.6 | -0.4 |
| Jul 19, 2026 | 56.0 | 77.6 | 35.0 | 27.3 | 75.4 | 73.6 | +1.0 |
| Jul 18, 2026 | 55.0 | 77.6 | 35.0 | 26.7 | 75.4 | 68.2 | -0.9 |
TRV — Pillar Breakdown
Quality
— 63.8/100 (25%)The Travelers Companies, Inc. shows solid profitability with healthy returns on capital and reasonable margins.
Ability to convert revenue into operating profit.
Bottom-line profit as a share of revenue.
Free cash flow relative to market value.
Growth
— 26.0/100 (20%)The Travelers Companies, Inc. faces growth headwinds with declining or stagnant revenue trends.
Revenue trajectory over the last twelve months.
Compound annual revenue growth rate over 3 years.
Year-over-year earnings per share growth.
Analyst consensus for future revenue growth.
Risk
— 42.9/100 (15%)The Travelers Companies, Inc. has some risk factors including moderate leverage or solvency concerns.
Short-term liquidity — ability to pay near-term obligations.
Earnings capacity relative to interest payments.
Valuation
— 100.0/100 (15%)The Travelers Companies, Inc. appears attractively valued relative to its earnings, cash flows, and sector peers.
How many years of FCF the market cap represents.
Moat
— 35/100 (25%)The Travelers Companies, Inc. possesses some competitive advantages but faces meaningful competition. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for TRV.
Score Composition
Financial Data
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How is the TRV UQS Score Calculated?
The UQS (Unified Quality Score) for The Travelers Companies, Inc. is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.
Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.
Moat (25%) assesses The Travelers Companies, Inc.'s competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.
Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.
Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.
Valuation (15%) measures whether The Travelers Companies, Inc. is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.
Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.