Travelers Companies Financials

TRV Stock  USD 228.83  3.50  1.55%   
Based on the key indicators related to Travelers Companies' liquidity, profitability, solvency, and operating efficiency, The Travelers Companies is not in a good financial situation at the present time. It has a very high chance of going through financial crunch in April. At this time, Travelers Companies' Cash And Short Term Investments are fairly stable compared to the past year. Common Stock Total Equity is likely to climb to about 29.7 B in 2024, whereas Short and Long Term Debt Total is likely to drop slightly above 4.3 B in 2024. Key indicators impacting Travelers Companies' financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Net Profit Margin0.06770.0723
Notably Down
Very volatile
Return On Assets0.01830.0254
Way Down
Pretty Stable
Return On Equity0.0880.12
Way Down
Pretty Stable
Debt Equity Ratio0.210.3255
Way Down
Slightly volatile
Current Ratio0.420.4374
Sufficiently Down
Pretty Stable
The financial analysis of Travelers Companies is a critical element in measuring its lifeblood. The essential information of the day-to-day investment outlook for Travelers Companies includes many different criteria found on its balance sheet. For example, investors should never minimize Travelers Companies' ability to pay suppliers or employees on time, making sure interest payments are not accumulating or correctly timing where and how to re-invest extra cash. Any individual investor needs to monitor Travelers Companies' cash flow, debt, and profitability to effectively and accurately make more informed decisions on whether to invest in Travelers Companies.

Net Income

1.82 Billion

With this module, you can analyze Travelers financials for your investing period. You should be able to track the changes in Travelers Companies individual financial statements over time to develop the understanding of its risk, liquidity, profitability, or other critical and vital indicators.
  
Understanding current and past Travelers Companies Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of Travelers Companies' financial statements are interrelated, with each one affecting the others. For example, an increase in Travelers Companies' assets may result in an increase in income on the income statement.
Evaluating Travelers Companies' financials involves analyzing a range of financial metrics and ratios to gain insights into the company's financial health and performance. However, considering all of Travelers Companies' profitability, liquidity ratios, and efficiency indicators at the same time could be an enormous task, and our Financial Distress score can provide you with a snapshot of the Travelers Companies' relative financial performance

Chance Of Distress

Less than 8

 
100  
 
Zero
Low
The Travelers Companies has less than 8 (%) percent chance of experiencing financial distress in the next two years of operations. The calculation of odds of distress for Travelers Companies stock is tightly coupled with the Probability of Bankruptcy. It complements the equity performance score by supplying investors with insight into company financials without requiring them to know too much about all of the complex accounting and financial indicators surrounding the entity.
Please note, Travelers Companies' odds of distress score SHOULD NOT be confused with the real chance of The Travelers Companies filing for bankruptcy protection for chapters 7, 11, 12, or 13. We define Financial Distress as an operational condition where an entity such as Travelers is having difficulty meeting its current financial obligations towards its creditors or delivering on the expectations of its investors. Macroaxis derives these conditions daily from public financial statements and analysis of stock prices reacting to market conditions or economic downturns, including short-term and long-term historical volatility. Other factors considered include Travelers Companies' liquidity analysis, revenue patterns, R&D expenses, and commitments, as well as public headlines and social sentiment.
More Info
The data published in Travelers Companies' official financial statements usually reflect Travelers Companies' business processes, product offerings, services, and other fundamental events. But there are other numbers, ratios, or fundamental indicators derived from these statements that are easier to understand and visualize within the underlying realities that drive quantitative information of The Travelers Companies. For example, before you start analyzing numbers published by Travelers accountants, it's critical to develop an understanding of what Travelers Companies' liquidity, profitability, and earnings quality are in the context of the Insurance space in which it operates.
Please note, the presentation of Travelers Companies' financial position, as portrayed in its financial statements, is often influenced by management's estimates, judgments, and sometimes even manipulations. In the best case, Travelers Companies' management is honest, while the outside auditors are strict and uncompromising. Whatever the case, the imprecision that can be found in Travelers Companies' accounting process means that the reasonable investor should take a skeptical approach toward the financial statement analysis of The Travelers Companies. Please utilize our Beneish M Score to check the likelihood of Travelers Companies' management manipulating its earnings.

Travelers Companies Company Summary

Travelers Companies competes with Loews Corp, American Financial, Hartford Financial, and Horace Mann. 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 Travelers Companies, Inc. was founded in 1853 and is based in New York, New York. Travelers Companies operates under InsuranceProperty Casualty classification in the United States and is traded on New York Stock Exchange. It employs 30184 people.
Foreign Associate
  Mexico
Specialization
Financial Services, Insurance - Property & Casualty
InstrumentUSA Stock View All
ExchangeNew York Stock Exchange
CIK Number0000086312
ISINUS89417E1091
CUSIP89417E109 792860108 792856205
RegionNorth America
LocationMinnesota; U.S.A
Business Address485 Lexington Avenue,
SectorInsurance
IndustryFinancials
BenchmarkNYSE Composite
Websitewww.travelers.com
Phone917 778 6000
CurrencyUSD - US Dollar
You should never invest in Travelers Companies without having analyzed its financial statements. Do not rely on someone else's analysis or guesses about the future performance of Travelers Stock, because this is throwing your money away. Analyzing the key information contained in Travelers Companies' financial statements can give you an edge over other investors and help to ensure that your investments perform well for you.

Travelers Companies Key Financial Ratios

Generally speaking, Travelers Companies' financial ratios allow both analysts and investors to convert raw data from Travelers Companies' financial statements into concise, actionable information that can be used to evaluate the performance of Travelers Companies over time and compare it to other companies across industries. There are many critical financial ratios that investors are exposed to on a daily basis, but they are usually grouped into few meaningful categories from each financial statement that The Travelers Companies reports annually and quarterly.

Travelers Companies Key Balance Sheet Accounts

201920202021202220232024 (projected)
Total Assets110.1B116.8B120.5B115.7B117.6B73.3B
Net Debt6.1B5.8B6.5B6.5B7.6B4.0B
Retained Earnings37.0B38.8B41.6B43.5B45.6B47.9B
Total Liab84.2B87.6B91.6B94.2B92.7B55.5B
Other Current Liab(5.6B)(4.7B)(4.4B)(4.1B)53.5B47.7B
Other Assets(62.0B)(68.2B)(69.2B)95.8B110.2B115.7B
Net Receivables20.8B20.4B20.4B20.6B21.7B11.8B
Total Current Assets94.3B100.7B102.8B13.8B25.3B18.8B
Intangible Assets330M317M306M287M277M549.6M
Accounts Payable5.0B4.6B4.3B4.0B3.8B3.1B
Cash494M721M761M799M650M341.4M
Good Will3.9B4.0B4.0B4.0B4.0B3.1B
Other Current Assets22.3B24.0B21.8B(82.2B)25.3B26.5B
Common Stock23.5B23.7B24.2B24.6B24.9B16.1B
Other Liab8.9B10.9B10.5B8.1B9.3B11.1B
Long Term Debt6.6B6.6B7.2B7.3B7.9B6.0B
Treasury Stock(35.1B)(35.8B)(38.0B)(40.1B)(36.1B)(34.3B)
Net Tangible Assets21.7B24.9B24.6B17.3B15.6B16.9B

Travelers Companies Key Income Statement Accounts

An income statement is very similar to a cash flow statement, but instead of showing net revenue minus expenses, it only includes earnings before interest and taxes (EBIT). This number does not have all of the same line items that are on a cash flow statement, but it leaves out non-cash expenses like depreciation and amortization. For example, if you bought $100 worth of goods from Walmart (WMT) using your debit card that has an interest rate of 20%, then paid off the balance at the end of the month with a credit card that charges 30% interest, you would have an income statement showing EBIT of $80 because your expenses are lower than the amount that went into your pocket. The other reason investors look at the income statement is to determine what Travelers Companies' earnings per share (EPS) will be in order to see if they want to buy more shares or not. For example, if a company earned $20 million in the last quarter and has 100,000 shares outstanding, its EPS is 20 cents. If you find that this number beats analysts' forecasts or is higher than it was from the same period last year, then you might want to buy more of this stock even though its price per share may not have changed.
201920202021202220232024 (projected)
Interest Expense344M339M340M351M376M199.1M
Total Revenue31.6B32.0B34.8B36.9B41.4B43.4B
Gross Profit31.6B32.0B34.8B36.9B41.4B43.4B
Operating Income2.9B3.0B4.1B3.7B(22M)(20.9M)
Ebit2.9B3.0B4.1B3.7B(22M)(20.9M)
Ebitda3.6B3.7B5.0B4.6B700M665M
Net Income2.6B2.7B3.7B2.8B3.0B1.8B
Income Tax Expense516M540M796M512M380M500.6M
Income Before Tax3.1B3.2B4.5B3.4B3.4B2.8B
Tax Provision516M540M796M512M380M550.8M
Interest Income344M339M340M351M315.9M283.1M
Net Interest Income(344M)(339M)(340M)(351M)(376M)(394.8M)

Travelers Companies Key Cash Accounts

Cash flow analysis captures how much money flows into and out of The Travelers Companies. It measures of how well Travelers is doing because it can show the actual money that comes into and out of the Company from sales instead of measuring expenses against revenue to determine earnings. You have to read the cash flow statement in three sections. The first section shows how much money Travelers Companies brought in, usually known as net revenue or sales. This is different from earnings because it does not include expenses when determining net revenue for use on this part of the cash flow statement. Next, are operating activities, which show how much money Travelers had leftover after paying for its expenses. This number can be calculated in two ways: by subtracting the total of all operating expenses from net revenue or by adding up changes to cash and other assets or liabilities on this part of the statement. The third section is about investing activities, which shows what Travelers Companies has done with the money that it received from the sale of assets or what it spent to acquire new ones. This section can be broken down into two parts: investing in existing businesses (in other words, buying more stock) and investing in non-business activities like paying off debt or making acquisitions.
201920202021202220232024 (projected)
Change In Cash29M121M227M40M(149M)(141.6M)
Free Cash Flow5.2B6.5B7.3B7.3B7.7B8.1B
Depreciation803M763M789M870M722M549.8M
Other Non Cash Items535M129M3.9B3.9B788M956.4M
Dividends Paid814M844M861M869M(908M)(862.6M)
Net Income2.5B2.6B2.7B3.7B3.0B2.0B
End Period Cash Flow373M494M721M761M650M682.5M
Investments(1.8B)(3.9B)(4.9B)(3.7B)(6.8B)(7.2B)
Change Receivables(227M)(68M)(359M)(533M)(479.7M)(455.7M)
Change To Netincome138M(32M)(352M)(273M)(245.7M)(233.4M)

Travelers Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining Travelers Companies's current stock value. Our valuation model uses many indicators to compare Travelers Companies value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Travelers Companies competition to find correlations between indicators driving Travelers Companies's intrinsic value. More Info.
The Travelers Companies is rated second in short ratio category among related companies. It is rated second in price to sales category among related companies fabricating about  0.60  of Price To Sales per Short Ratio. The ratio of Short Ratio to Price To Sales for The Travelers Companies is roughly  1.67 . Price To Sales Ratio is likely to drop to 0.86 in 2024. Comparative valuation analysis is a catch-all model that can be used if you cannot value Travelers Companies by discounting back its dividends or cash flows. This model doesn't attempt to find an intrinsic value for Travelers Companies' Stock . Still, instead, it compares the stock's price multiples to a benchmark or nearest competition to determine if the stock is relatively undervalued or overvalued. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the Travelers Companies' earnings, one of the primary drivers of an investment's value.

The Travelers Companies Systematic Risk

Travelers Companies' systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. Travelers Companies volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The output start index for this execution was three with a total number of output elements of fifty-eight. The Beta measures systematic risk based on how returns on The Travelers Companies correlated with the market. If Beta is less than 0 Travelers Companies generally moves in the opposite direction as compared to the market. If Travelers Companies Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one The Travelers Companies is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of Travelers Companies is generally in the same direction as the market. If Beta > 1 Travelers Companies moves generally in the same direction as, but more than the movement of the benchmark.

About Travelers Companies Financials

What exactly are Travelers Companies Financials? Typically, a company's financial statements are the reports that show the financial position of the company. Three primary documents fall into the category of financial statements. These documents include Travelers Companies' income statement, its balance sheet, and the statement of cash flows. Potential Travelers Companies investors and stakeholders use financial statements to determine how well the company is positioned to perform in the future. Although Travelers Companies investors may use each financial statement separately, they are all related. The changes in Travelers Companies's assets and liabilities, for example, are also reflected in the revenues and expenses that we see on Travelers Companies's income statement, which results in the company's gains or losses. Cash flows can provide more information regarding cash listed on a balance sheet, but not equivalent to net income shown on the income statement. Please read more on our technical analysis and fundamental analysis pages.

Steps to analyze Travelers Companies Financials for Investing

There are several different ways that investors can use financial statements to try and predict whether a stock price will go up or down. Unfortunately, there is no surefire formula, but there are some general guidelines you should consider when looking at the numbers. First, realize what kind of company it is so you know if its revenues are more likely to grow or shrink over time. For example, a software company's revenue is expected to increase yearly due to new products and services that its customers will want to buy. At the same time, a car manufacturer might not be able to sell as many cars when the economy slows down, so it would have less net income during those times. Second, pay attention to its debt-to-equity ratio because this number will tell you how much risk it has. If a company such as Travelers Companies is not taking on any additional risks, its debt-to-equity should be less than one. As a general rule of thumb, if the market value or book value (which can be found in the footnotes) of assets exceeds the company's liabilities, then it is probably in good shape. Finally, use other financial statements to determine if a stock price will go up or down because investors are always looking for growth opportunities when they buy new stocks. For example, if you see that the net revenue of Travelers has grown by more than 25% over the last five years, then there is a good chance that it will continue growing by at least 20% or more each year. On the other hand, if you see that net revenue has only increased by about 15%, which is barely above inflation levels, then chances are it will not grow much faster than this over time, and investors may shy away from buying it.
In summary, you can determine if Travelers Companies' financials are consistent with your investment objective using the following steps:
  • Review Travelers Companies' balance sheet accounts, such as liabilities and equity, to understand its overall financial position.
  • Analyze the income statement and examine the company's revenue, expenses, and profits over time to determine its financial performance.
  • Study the cash flow inflows and outflows to understand Travelers Companies' liquidity and solvency.
  • Look at the growth rates in revenue, earnings, and cash flow over time to determine its potential for future growth.
  • Compare Travelers Companies' financials to those of its peers to see how it stacks up and identify any potential red flags.
  • Use valuation ratios to evaluate the company's financials using commonly used ratios such as the price-to-earnings (P/E) ratio, price-to-sales (P/S) ratio, and enterprise value-to-earnings before interest, taxes, depreciation, and amortization (EV/EBITDA) ratio to determine if Travelers Companies' stock is overvalued or undervalued.
Remember, these are just guidelines and should not be the only basis for investment decisions. It is always important to analyze the leading stock market indicators., conduct additional research and seek professional advice if needed.

Travelers Companies Thematic Clasifications

The Travelers Companies is part of FinTech investing theme. If you are a theme-oriented, socially responsible, and at the same time, a result-driven investor, you can align your investing habits with your values without jeopardizing your expectations about returns. You can easily create an optimal portfolio of stocks, ETFs, funds, or cryptocurrencies based on a specific theme of your liking. A collection of large financial service, investment, and banking companies. High long term potential financial entities that are ranging from payment processing, investment management to commercial and investment banking
FinTechView
This theme covers A collection of large financial service, investment, and banking companies. High long term potential financial entities that are ranging from payment processing, investment management to commercial and investment banking. Get More Thematic Ideas
Today, most investors in Travelers Companies Stock are looking for potential investment opportunities by analyzing not only static indicators but also various Travelers Companies' growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of Travelers Companies growth as a starting point in their analysis.

Price Earnings To Growth Ratio

1.45

At this time, Travelers Companies' Price Earnings To Growth Ratio is fairly stable compared to the past year.

Travelers Companies March 28, 2024 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of Travelers Companies help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of The Travelers Companies. We use our internally-developed statistical techniques to arrive at the intrinsic value of The Travelers Companies based on widely used predictive technical indicators. In general, we focus on analyzing Travelers Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build Travelers Companies's daily price indicators and compare them against related drivers.
When determining whether The Travelers Companies is a strong investment it is important to analyze Travelers Companies' competitive position within its industry, examining market share, product or service uniqueness, and competitive advantages. Beyond financials and market position, potential investors should also consider broader economic conditions, industry trends, and any regulatory or geopolitical factors that may impact Travelers Companies' future performance. For an informed investment choice regarding Travelers Stock, refer to the following important reports:
Check out World Market Map to better understand how to build diversified portfolios, which includes a position in The Travelers Companies. Also, note that the market value of any company could be tightly coupled with the direction of predictive economic indicators such as signals in metropolitan statistical area.
You can also try the Idea Analyzer module to analyze all characteristics, volatility and risk-adjusted return of Macroaxis ideas.

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When running Travelers Companies' price analysis, check to measure Travelers Companies' market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Travelers Companies is operating at the current time. Most of Travelers Companies' value examination focuses on studying past and present price action to predict the probability of Travelers Companies' future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Travelers Companies' price. Additionally, you may evaluate how the addition of Travelers Companies to your portfolios can decrease your overall portfolio volatility.
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Is Travelers Companies' industry expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Travelers Companies. If investors know Travelers will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Travelers Companies listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth
1.032
Dividend Share
3.93
Earnings Share
12.8
Revenue Per Share
180.078
Quarterly Revenue Growth
0.134
The market value of The Travelers Companies is measured differently than its book value, which is the value of Travelers that is recorded on the company's balance sheet. Investors also form their own opinion of Travelers Companies' value that differs from its market value or its book value, called intrinsic value, which is Travelers Companies' true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Travelers Companies' market value can be influenced by many factors that don't directly affect Travelers Companies' underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Travelers Companies' value and its price as these two are different measures arrived at by different means. Investors typically determine if Travelers Companies is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Travelers Companies' price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.