TRV The Travelers Companies, Inc. - Fundamental Analysis

NEUTRAL

TRV Stock | Fundamental Analysis & Investment Insights

NYSE • Financial Services • Insurance - Property & Casualty

Current Price Live

$269.42

Analyst Target

$298.73

+10.9% Upside

52W High

$296.85

52W Low

$230.43

Overview AI Snowflake Price Valuation More metrics Peers Insiders

At a glance

Key valuation, profitability, growth, and risk metrics.

Unlock key metrics

Market cap, P/E, ROE, margins, leverage and more.

AI Analysis

Confidence Score

72%

Analysis Accuracy

The Travelers Companies (TRV) shows mixed financial health with a weak Piotroski F-Score of 4/9, indicating borderline stability, and lacks an Altman Z-Score for distress risk assessment. Despite strong recent earnings growth (YoY EPS +52%, Q/Q +49.8%) and solid profitability (ROE: 19.81%, Profit Margin: 12.14%), the company trades below its Graham Number ($284.62) but significantly below its growth-based intrinsic value ($749.3), suggesting undervaluation on defensive metrics but limited growth pricing. Valuation multiples are attractive relative to sector averages (P/E 10.61 vs sector 24.39), yet insider selling and deteriorating technical trends (0/100) raise caution. Analysts concur with a 'hold' rating and target price of $298.73, implying modest upside.

Key Strengths

Strong year-over-year earnings growth (52%) with consistent recent beats (3 of last 4 quarters)

Attractive valuation relative to sector: P/E of 10.61 vs Financial Services average of 24.39

High return on equity (19.81%), above sector average of 23.52% and indicating efficient capital use

Low debt/equity ratio (0.29), signaling conservative capital structure

Low payout ratio (16.92%) provides dividend sustainability and room for future increases

Key Risks

Weak Piotroski F-Score (4/9) suggests deteriorating financial health or operational inconsistencies

Very low current and quick ratios (0.34 and 0.20), indicating potential liquidity concerns

Insider selling trend: $17.28M in net sales over last 6 months, signaling lack of confidence

Bearish technical trend (0/100) and recent price weakness (-7.5% over 1M, -4.5% over 1W)

Missing Altman Z-Score prevents proper distress risk evaluation, a critical gap for financial firms

AI Fair Value Estimate

Based on comprehensive analysis

$284.62

+5.6% above current price

Performance Snowflake

Multi-dimensional AI analysis across 5 key categories

Unlock AI-Powered Analysis

See Value, Future Performance, Past Performance, Financial Health & Dividend scores

Stock Price & Analyst Targets

Real-time price movements and analyst price targets

Unlock Price Charts

View historical price trends and analyst targets

Historical Performance Trends

Long-term financial metrics and growth patterns

Unlock Historical Data

View 3-year revenue, profit margins, and growth trends

Valuation Metrics

Key valuation ratios and pricing indicators

P/E, P/B, P/S, EV/EBITDA and more

Profitability, Growth & Financial Health

Detailed profit margins, ROE, debt ratios, and liquidity metrics

Unlock Detailed Metrics

View ROE, Operating Margin, Debt/Equity, Current Ratio and more

Sector Comparison & Peer Analysis

Compare TRV against industry averages and similar companies

Unlock Sector Insights

See how TRV compares to competitors and industry standards

Insider Trading & Analyst Ratings

Track insider transactions and Wall Street analyst recommendations

Unlock Insider Data

See recent insider buys/sells and analyst price targets

Past News Coverage

Recent headlines mentioning TRV from our newsroom.

Newest → oldest

Back to All Stocks

TradingGPT V1 Copilot

Fundamentals • Valuation • Risk

Hi! I'm your fundamentals copilot.

Ask me to:
• Summarize the business quality
• Review valuation and multiples
• Highlight risks and red flags
• Explain growth and margin trends