TRV - NYSE

The Travelers Companies, Inc.

TRV·NYSE

$289.95

-0.65%

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.

Statements Value Model

At a Glance

Live Snapshot

Market Cap$61.66B

EPS27.8400

P/E Ratio10.41

Earnings Date07/16/2026

143.71B

Assets

3Y+24.0%

5Y+23.0%

10Y+43.0%

110.81B

Total Liabilities

3Y+18.0%

5Y+27.0%

10Y+44.0%

32.89B

Total Equity

18%

3Y+53.0%

5Y+13.0%

10Y+42.0%

The Travelers Companies, Inc. Funding & Solvency Profile

TRV · NYSE

Current Assets

Cash & Cash Equivalents842.00M

Net Receivables14.88B

Inventory0.00

Other Current Assets0.00

Total Current Assets21 B

Non-Current Assets

Property, Plant & Equipment0.00

Goodwill & Intangible Assets4.40B

Long-Term Investments95.47B

Other Non-Current Assets21.52B

Total Non-Current Assets117 B

Total Assets

143.71B

Financial Health Analysis

Current Ratio

0.23x

Warning: Liquidity concerns. Current assets may not be sufficient to cover short-term obligations.

Debt-to-Equity Ratio

3.37x

High financial leverage. Heavy reliance on debt may indicate increased financial risk and potential solvency concerns.

Working Capital

-70286000000

Negative working capital indicates short-term liabilities exceed short-term assets—potential liquidity stress.

Asset Composition

15% Current

Capital-intensive business with significant long-term investments in property, equipment, or intangibles.

Financial Health Insight

Financial stress indicators: Both liquidity and leverage metrics raise concerns. The company may face challenges meeting obligations and should focus on strengthening its balance sheet.

The Travelers Companies, Inc. Balance Sheet

TRV • NYSE

The Travelers Companies, Inc. Balance Sheet	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017	Dec 2016	Dec 2015	Dec 2014	Dec 2013	Dec 2012	Dec 2011	Dec 2010	Dec 2009	Dec 2008	Dec 2007	Dec 2006
ASSETS
CURRENT ASSETS
Cash and Cash Equivalents	842M	568M	500M	799M	761M	721M	494M	373M	344M	307M	380M	374M	294M	330M	214M	200M	255M	350M	271M	459M
Short-Term Investments	5.7B	24.8B	83.6B	75.4B	0.0	79.5B	73.1B	67.4B	67.6B	65.4B	65.3B	67.8B	67.8B	68.9B	67.8B	5.6B	4.9B	5.2B	5.2B	4.9B
Cash & Short-Term Investments	6.6B	25.4B	84.1B	76.2B	83.3B	80.2B	73.6B	67.8B	67.9B	65.7B	65.7B	68.2B	68.1B	69.2B	68B	5.8B	5.1B	5.6B	5.5B	5.4B
Net Receivables	14.9B	22.3B	21.7B	20.6B	20.4B	20.4B	20.7B	20.7B	20.2B	19.6B	19.7B	19.9B	20.2B	21.4B	22.1B	10.8B	11.3B	12.2B	12.8B	12.7B
Accounts Receivables	11B	22.3B	21.7B	20.6B	20.4B	20.4B	20.7B	20.7B	20.2B	19.6B	19.7B	19.9B	20.2B	21.4B	22.1B	5.5B	5.5B	5.8B	6.1B	6.2B
Other Receivables	3.9B	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	5.3B	5.8B	6.4B	6.7B	6.6B
Prepaids	0.0	1.2B	1.2B	1B	902M	772M	689M	578M	551M	589M	656M	678M	801M	856M	828M	0.0	0.0	0.0	0.0	0.0
Other Current Assets	0.0	-48.8B	-106.9B	-97.8B	-82.8B	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Total Current Assets	21.4B	0.0	0.0	0.0	21.8B	101.4B	95B	89.1B	88.7B	85.9B	86.1B	88.8B	89.1B	91.5B	90.9B	16.7B	16.4B	17.8B	18.3B	18.1B
NON-CURRENT ASSETS
Goodwill	4.1B	4.2B	4B	4B	4B	4B	4B	3.9B	4B	3.6B	3.6B	3.6B	3.6B	3.4B	3.4B	3.4B	3.4B	3.4B	3.4B	3.4B
Intangible Assets	336M	360M	277M	287M	306M	317M	330M	345M	342M	268M	279M	304M	351M	381M	433M	502M	588M	688M	814M	764M
Goodwill & Intangible Assets	4.4B	4.6B	4.3B	4.2B	4.3B	4.3B	4.3B	4.3B	4.3B	3.8B	3.9B	3.9B	4B	3.7B	3.8B	3.9B	4B	4.1B	4.2B	4.2B
Long-Term Investments	95.5B	89.1B	83.6B	75.4B	82.5B	80B	73.5B	67.8B	68B	66.1B	66B	68.7B	68.8B	69.5B	68.4B	69B	71.2B	66.9B	70.6B	68.1B
Tax Assets	887M	0.0	0.0	0.0	0.0	0.0	0.0	445M	70M	465M	296M	33M	303M	0.0	7M	493M	672M	2B	1.2B	1.5B
Other Non-Current Assets	21.5B	-93.7B	-87.8B	-79.7B	33.6B	90.6B	83.9B	77.9B	78B	75.4B	75.3B	78.2B	78.3B	78.6B	77.7B	90.3B	93.4B	91.1B	96.7B	96.4B
Total Non-Current Assets	122.3B	0.0	0.0	0.0	120.5B	15.3B	15.1B	15.2B	14.8B	14.4B	14.1B	14.3B	14.7B	13.5B	13.6B	89B	93.2B	91.9B	96.9B	97.2B
Other Assets	0.0	133.2B	126B	115.7B	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Total Assets	143.7B	133.2B	126B	115.7B	120.5B	116.8B	110.1B	104.2B	103.5B	100.2B	100.2B	103.1B	103.8B	104.9B	104.6B	105.7B	109.6B	109.6B	115.2B	115.3B
LIABILITIES
CURRENT LIABILITIES
Total Payables	3.6B	3.7B	3.8B	4B	4.3B	4.6B	5B	5.1B	5B	4.9B	4.7B	4.7B	4.6B	5.2B	5.6B	407M	546M	528M	618M	685M
Accounts Payable	3.6B	3.7B	3.8B	4B	4.3B	4.6B	5B	5.1B	5B	4.9B	4.7B	4.7B	4.6B	5.2B	5.6B	407M	546M	528M	618M	685M
Accrued Expenses	88.2B	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Short Term Debt	300M	100M	100M	100M	100M	0.0	600M	600M	600M	550M	500M	500M	100M	600M	350M	109M	373M	242M	649M	0.0
Other Current Liabilities	-300M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Total Current Liabilities	91.7B	3.8B	3.9B	4.1B	4.4B	4.6B	5.6B	5.7B	5.6B	5.4B	5.2B	5.2B	4.7B	5.8B	5.9B	516M	919M	770M	1.3B	685M
NON-CURRENT LIABILITIES
Long Term Debt	9B	7.9B	7.9B	7.2B	7.2B	6.6B	6.6B	6B	6B	5.9B	5.8B	5.8B	6.2B	5.8B	6.3B	6.5B	6.2B	5.9B	4.9B	5.8B
Deferred Tax Liabilities (Non-Current)	0.0	0.0	0.0	786M	289M	558M	137M	0.0	0.0	0.0	0.0	0.0	0.0	338M	0.0	0.0	0.0	0.0	0.0	0.0
Other Non-Current Liabilities	101.8B	93.6B	89.2B	82.9B	79.7B	75.8B	71.9B	69.7B	68.1B	65.7B	65.6B	67.2B	68B	67.7B	67.9B	73.2B	75.1B	77.6B	82.4B	83.7B
Total Non-Current Liabilities	110.8B	101.5B	97.2B	90B	87.2B	82.9B	78.6B	75.7B	74.1B	71.6B	71.4B	73B	74.3B	73.8B	74.2B	79.7B	81.2B	83.5B	87.3B	89.5B
Capital Lease Obligations	0.0	0.0	0.0	0.0	0.0	0.0	272M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Total Liabilities	110.8B	105.3B	101.1B	94.2B	91.6B	87.6B	84.2B	81.3B	79.8B	77B	76.6B	78.2B	79B	79.5B	80.1B	80.2B	82.1B	84.3B	88.6B	90.2B
SHAREHOLDERS' EQUITY
Treasury Stock	-45.4B	-42.3B	-41.1B	-40.1B	-38B	-35.8B	-35.1B	-33.6B	-32.3B	-30.8B	-28.4B	-25.1B	-21.8B	-19.3B	-17.8B	-14.9B	-9.8B	-6.4B	-4.3B	-1.2B
Preferred Stock	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	68M	79M	89M	112M	129M
Common Stock	25.9B	25.5B	24.9B	24.6B	24.2B	23.7B	23.5B	23.1B	22.9B	22.6B	22.2B	21.8B	21.5B	21.2B	20.7B	0.0	0.0	0.0	19B	0.0
Additional Paid-In Capital	0.0	0.0	0.0	0.0	0.0	0.0	0.0	23.1B	22.9B	22.6B	22.2B	21.8B	21.5B	21.2B	20.7B	20.2B	19.6B	19.2B	19B	18.5B
Retained Earnings	54.9B	49.6B	45.6B	43.5B	41.6B	38.8B	37B	35.2B	33.5B	32.2B	29.9B	27.3B	24.3B	21.4B	19.6B	18.8B	16.3B	13.3B	11.1B	7.3B
Accumulated Other Comprehensive Income/Loss	-2.5B	-5B	-4.5B	-6.4B	1.2B	2.5B	640M	-1.9B	-343M	-755M	-157M	880M	810M	2.2B	2B	1.3B	1.2B	-900M	670M	452M
Other Total Stockholders' Equity	0.0	0.0	0.0	0.0	0.0	0.0	0.0	-23.1B	-22.9B	-22.6B	-22.2B	-21.8B	-21.5B	-21.2B	-20.7B	0.0	0.0	0.0	-19B	0.0
Total Stockholders' Equity	32.9B	27.9B	24.9B	21.6B	28.9B	29.2B	25.9B	22.9B	23.7B	23.2B	23.6B	24.8B	24.8B	25.4B	24.5B	25.5B	27.4B	25.3B	26.6B	25.1B
Total Equity	32.9B	27.9B	24.9B	21.6B	28.9B	29.2B	25.9B	22.9B	23.7B	23.2B	23.6B	24.8B	24.8B	25.4B	24.5B	25.5B	27.4B	25.3B	26.6B	25.1B
SUMMARY
Total Liabilities & Equity	143.7B	133.2B	126B	115.7B	120.5B	116.8B	110.1B	104.2B	103.5B	100.2B	100.2B	103.1B	103.8B	104.9B	104.6B	105.7B	109.6B	109.6B	115.2B	115.3B
Total Investments	101.2B	94.2B	88.8B	80.5B	87.4B	84.4B	77.9B	72.3B	72.5B	70.5B	70.5B	73.3B	73.2B	73.8B	72.7B	72.7B	75B	70.7B	75.7B	72.3B
Total Debt	9.3B	8B	8B	7.3B	7.3B	6.6B	7.2B	6.6B	6.6B	6.4B	6.3B	6.3B	6.3B	6.4B	6.6B	6.6B	6.5B	6.2B	5.6B	5.8B
Net Debt	8.4B	7.5B	7.5B	6.5B	6.5B	5.8B	6.7B	6.2B	6.2B	6.1B	6B	6B	6.1B	6B	6.4B	6.4B	6.3B	5.8B	5.3B	5.3B
Shares Outstanding	225,974,672	225,974,672	225,974,672	225,974,672	225,974,672	225,974,672	225,974,672	225,974,672	225,974,672	225,974,672	225,974,672	225,974,672	225,974,672	225,974,672	225,974,672	225,974,672	225,974,672	225,974,672	225,974,672	225,974,672

SEC Filings

TRV - Filing history and reports

Filing Type	Filing Date	Period Ending	Fiscal Year	Actions
8-K 8-K 2026 N/A	May 22, 2026	May 20, 2026	2026	View Filing
8-K 8-K 2026 N/A	May 21, 2026	May 15, 2026	2026	View Filing
10-Q 10-Q 2026 Q1 Q1	April 16, 2026	March 31, 2026	2026	View Filing
8-K 8-K 2026 N/A	April 16, 2026	April 16, 2026	2026	View Filing
DEF 14A DEF 14A 2026 N/A	April 07, 2026	May 20, 2026	2026	View Filing
8-K 8-K 2026 N/A	February 17, 2026	February 13, 2026	2026	View Filing
10-K 10-K 2025 FY FY	February 12, 2026	December 31, 2025	2025	View Filing
8-K 8-K 2026 N/A	February 06, 2026	February 03, 2026	2026	View Filing
8-K 8-K 2026 N/A	January 21, 2026	January 21, 2026	2026	View Filing
8-K 8-K 2025 N/A	October 16, 2025	October 16, 2025	2025	View Filing

Showing 1 to 10 of 498 filings

Related Guides

Blog Categories

Continue your TRV research with focused valuation guides.

Fundamentals

Decode statement quality and operating durability.

Accounting

Interpret line items with cleaner analytical framing.

Forecasting

Translate historical performance into forward scenarios.

Reference

Use practical frameworks for statement-led valuation.

Research Paths

Pick your next lens

Snapshot

Start with context, operating signals, and key market metrics.

Value Model

Stress test fair value across bear, base, and bull assumptions.

Statements

Validate revenue quality, margins, and balance sheet durability.

Earnings Call

Read management commentary and compare it with reported outcomes.

Dividends

Check payout sustainability and long-term distribution behavior.

Analyst Expectations

Review consensus spread and where estimate risk is concentrated.