The Travelers Companies, Inc.

The Travelers Companies, Inc.

TRVยทNYSE

$289.95

+0.35%
Financial ServicesInsurance - Property & Casualty

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 and internationally. The company 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, onshore and offshore energy, construction, terrorism, personal accident, and kidnap and ransom insurance products. This segment operates through select accounts, which serve small businesses; commercial accounts that serve mid-sized businesses; national accounts, which serve large companies; and national property and other 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 through independent agencies and brokers. The Travelers Companies, Inc. was founded in 1853 and is based in New York, New York.

At a Glance

Live Snapshot
Market Cap$61.66B
EPS27.8400
P/E Ratio10.41
Earnings Date07/16/2026
The Travelers Companies, Inc.

The Travelers Companies, Inc. Fair Value Envelope

TRV ยท NYSE

Our analysis suggests that TRV has a fair value of HIDDEN per share in the Base Case projection. With shares currently trading at $289.95, this represents a potential HIDDEN relative to our calculated worth for The Travelers Companies, Inc..

Intrinsic Value
Current Price: $289.95

Owner Earnings Valuation Tool

Warren Buffett's Owner Earnings DCF analysis for intrinsic value calculation

Historical Financial Data

Base year metrics used for projections

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Projection Settings

Forecast period and terminal assumptions

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DCF Valuation Summary

Calculation flow from present value to intrinsic value per share

Present Value$565.5B
+ Cash & Equivalents$842.0M
Firm Value$566.4B
- Debt$9.3B
Equity Value$557.1B
/ Shares Outstanding225,974,672B
DCF Value$2.5K
UNDERVALUED BY 750%

Owner Earnings Projections

Operating Cash Flow - Maintenance CapEx = Owner Earnings

Metric
Year 1
Year 2
Year 3
Year 4
Year 5
Year 6
Year 7
Year 8
Year 9
Year 10
Operating Cash Flow
$12.4B
$14.5B
$16.9B
$19.8B
$23.1B
$27.0B
$31.6B
$36.9B
$43.2B
$50.5B
Maintenance CapEx
-$0
-$0
-$0
-$0
-$0
-$0
-$0
-$0
-$0
-$0
Owner Earnings
$12.4B
$14.5B
$16.9B
$19.8B
$23.1B
$27.0B
$31.6B
$36.9B
$43.2B
$50.5B
Discount Factor
0.926
0.857
0.794
0.735
0.681
0.630
0.583
0.540
0.500
0.463
Present Value
$11.5B
$12.4B
$13.4B
$14.6B
$15.7B
$17.0B
$18.4B
$20.0B
$21.6B
$23.4B
Terminal Value represents 70.3% of Enterprise Value