The Travelers Companies, Inc. (TRV) Stock: Price, Forecast & Analyst Target
The Travelers Companies, Inc. (TRV) — MoonshotScore 98/100 (Exceptional band), calculated Oct 26, 2026. Price $398.28 (-1.77%), as of the Oct 23, 2026 trading session; market cap $83.1B. Expected results Jan 20, 2027.
Educational signal · not a buy or sell recommendation · How to read this
Market value / cash and short-term investments: 0.86× (market value Oct 23, 2026; cash Sep 30, 2026) · expected results Jan 20, 2027
The Travelers Companies, Inc. · TRV · NYSE · Financial Services · Insurance - Property & Casualty
Research dated 2026-09-12: Travelers sells commercial property and casualty coverage, surety and specialty protection, and personal auto and homeowners policies, largely through independent agencies and brokers. Commercial and international insurance contributes more revenue than personal insurance, so Travelers is not primarily a consumer auto carrier. The fundamental question is whether underwriting profitability and fixed-income investment earnings can preserve the recent earnings strength when revenue growth is modest.
Price as of Oct 23, 2026
Key Statistics
MoonshotScore v2 · The Travelers Companies (TRV)
ExceptionalWhy this rating? Method, drivers & history
Bands for the MoonshotScore: Exceptional 80-100 · Strong 65-79 · Fair 45-64 · Weak below 45.
- Business Quality — Is this a genuinely good business?
- Financial Safety — Could this blow up on me?
- Valuation — Am I paying a fair price?
- Growth Durability — Is the growth real and likely to last?
- Momentum — Is the market already moving on this?
Elite quality, a strong balance sheet and durable growth, at a cheap price, with no real weak spot; the market is already moving on it. Business Quality: Elite; Financial Safety: Sound; Valuation: Fair; Growth Durability: Compounding; Momentum: Surging.
- quarterly revenue $12.41B (Q3 FY2026, quarter ended Sep 30, 2026)
- EPS beat 8 of 8
- expected results Jan 20, 2027
Helping: business quality, balance-sheet strength, an attractive price, durable growth, positive momentum
What has the MoonshotScore done over time?
| Recorded | Score | Band |
|---|---|---|
| 98 | Exceptional | |
| 98 | Exceptional | |
| 98 | Exceptional | |
| 98 | Exceptional | |
| 98 | Exceptional | |
| 98 | Exceptional |
The score was 98 in the stored Oct 24, 2026 snapshot and remains 98 in the current publication computed Oct 26, 2026 (0). This current publication is not yet represented in the immutable snapshot archive.
Calculation uses the most recent completed US trading session. Live price changes do not update the score immediately.
Computed · Educational signal · not a buy or sell recommendation · How the MoonshotScore is computed →
Price & valuation
| Measure | Value | As of |
|---|---|---|
| Latest provided price | $398.28 | |
| Change on the day | -1.77% | |
| 52-week range | $264.25 – $407.87 | |
| Market capitalisation | $83.1B | |
| Price / earnings (trailing) | 10.28 | |
| Shares traded on the day | 1.29M | |
| Beta (volatility vs the S&P 500) | 0.44 | |
| Dividends per share (last 12 months) | $4.70 | |
| Dividend yield (last 12 months) | 1.18% |
Price & events
Triangles mark reported quarters on the line: pointing up is above the recorded estimate, down is below, a diamond means no estimate on file or a dated event that is not a results report. Numbers key to the dated list. Point at or tab to any week for its close.
Events behind the price
- · Earnings results · above the recorded estimate
- · Earnings results · above the recorded estimate
- · Earnings results · above the recorded estimate
- · Earnings call · management outlook
- · Earnings results · above the recorded estimate
Results dates follow the earnings feed; call dates follow the transcript provider. Nearby dates do not establish that an event caused a price move.
Upcoming events
Management outlook
Our outlook for fixed income NII in the fourth quarter including earnings from short term securities, is up slightly from the outlook we provided a quarter ago.
Daniel Stephen Frey · Statement from
Chronological order, not a duration scale. Statement dates identify the earnings call, not a deadline. Management expectations and provider estimates can change.
Read management statementsCouncil Score · weighted blend of 2 available disciplines
Council score for The Travelers Companies (TRV): Strongly Bullish
82/100 · A+Council is a separate blend of available disciplines; MoonshotScore above remains the five-pillar research rating.
5-Factor Breakdown
Legends Council
6 lenses, 6 current
AI simulations built from the named investors' published principles. Not affiliated with, endorsed by, or the opinion of these individuals. How these lenses are built
Read on: Oct 25, 2026
Munger's Mindset
Balance Sheet & Valuation · historical
Read on: Sep 10, 2026 · older than the 27 hours refresh window; not a current reading
How to read these bars and different assessments
Council is a separate blend of available disciplines; MoonshotScore above remains the five-pillar research rating.
Bars show each model's ordered assessment on its own scale, not a probability or a comparable investment return. The adjacent words give the assessment; more filled segments indicate a stronger model reading.
On Sep 10, 2026, the Munger lens read the price at that time as fairly valued against its own estimate of value.
Readings on this page are from Oct 26, 2026, except a card that shows its own read date.
Watch the TRV film — every key number, told as a short cinematic story
~2 min · open the film
What is The Travelers Companies (TRV), and what does it report?
Short answer · as of
Businesses, government entities, associations, and individuals pay Travelers to assume risks ranging from workers’ compensation, commercial property, and liability to surety bonds, professional liability, auto, and homeowners coverage.
Research dated 2026-09-12.
Businesses, government entities, associations, and individuals pay Travelers to assume risks ranging from workers’ compensation, commercial property, and liability to surety bonds, professional liability, auto, and homeowners coverage. Independent brokers, agencies, wholesalers, and program managers provide the distribution network rather than a predominantly direct consumer channel.
What do the latest results show for The Travelers Companies (TRV)?
Short answer · as of
The most recent reported quarter, Q3 FY2026, carried revenue of $12.41B.
Research dated 2026-09-12.
The latest period brought modest revenue improvement but a much larger rise in gross profit, operating profit, net income, and diluted earnings. That continues a broader pattern: annual revenue has advanced steadily, while profit has recovered more sharply and remains much more variable than the top line. Reported earnings have also exceeded expectations throughout the recent history, although revenue has not beaten consensus in every period.
Where is operating spending going?
Revenue alongside research and development, selling, general and administrative expenses, and the FMP standardized operating result.
- Latest quarter · revenue
- $12.41B Sep 30, 2026
- Latest quarter · SG&A
- $1.58B Sep 30, 2026
- Latest quarter · FMP standardized operating result
- $2.49B Sep 30, 2026
| Period end | Revenue | R&D | SG&A | FMP standardized operating result |
|---|---|---|---|---|
| Sep 30, 2026 | $12.41B | Not available | $1.58B | $2.49B |
| Jun 30, 2026 | $12.15B | Not available | $1.56B | $2.88B |
| Mar 31, 2026 | $11.92B | Not available | $1.54B | $2.12B |
| Dec 31, 2025 | $12.43B | Not available | $1.54B | $3.10B |
USD. The operating result is the FMP-standardized value supplied by FMP; it may differ from a filing’s GAAP loss from operations when the provider classifies separately presented items differently. It is not net income or cash flow.
Did results meet expectations?
Reported earnings and revenue alongside the estimates recorded by the provider.
- Latest report · revenue
- $12.41B Oct 16, 2026
- Latest report · revenue estimate
- $11.36B Oct 16, 2026
- Latest report · revenue vs estimate
- Above estimate Oct 16, 2026
- Latest report · EPS vs estimate
- Above estimate Oct 16, 2026
| Report date | Revenue · reported | Revenue · estimate | EPS · reported | EPS · estimate |
|---|---|---|---|---|
| Oct 16, 2026 | $12.41B | $11.36B | $9.1800 | $7.3900 |
| Jul 17, 2026 | $11.53B | $11.26B | $10.0400 | $5.4100 |
| Apr 16, 2026 | $10.34B | $10.72B | $7.7100 | $7.0700 |
| Jan 21, 2026 | $10.86B | $11.12B | $11.1300 | $8.8000 |
Dates are report dates, not fiscal period ends. Revenue is in USD; EPS is USD per share, rounded to four decimals. The earnings feed does not establish a basic, diluted or adjusted basis. Earnings-feed EPS may differ from statement EPS; the two series are not combined.
Quarterly income statement — 4 quarters
| Period | Revenue | Net income | EPS |
|---|---|---|---|
| Q3 FY2026 | $12.41B | $1.92B | $9.04 (diluted) |
| Q2 FY2026 | $12.15B | $2.21B | $10.26 (diluted) |
| Q1 FY2026 | $11.92B | $1.71B | $7.78 (diluted) |
| Q4 FY2025 | $12.43B | $2.50B | $11.06 (diluted) |
What are the financial strengths and risks for The Travelers Companies (TRV)?
Short answer
Cash and short-term investments were $96.34B at the Sep 30, 2026 balance-sheet date. Operating cash flow was $3.88B for the quarter ended Sep 30, 2026, meaning operations generated cash. These figures do not establish a cash runway.
Research dated 2026-09-12.
Operating cash flow has remained positive throughout the reported series, and the investment portfolio substantially exceeds debt. Cash and short-term investments alone are below debt, but that narrow comparison leaves out the much larger long-term investment pool supporting the insurance balance sheet.
How much cash does the business generate or use?
Quarterly operating cash flow shows cash generated or used by operations.
- Latest quarter · operating cash flow
- $3.88B Sep 30, 2026
- Previous quarter · operating cash flow
- $1.92B Jun 30, 2026
| Period end | Operating cash flow | Capital expenditure (reported) |
|---|---|---|
| Sep 30, 2026 | $3.88B | Not available |
| Jun 30, 2026 | $1.92B | Not available |
| Mar 31, 2026 | $2.20B | Not available |
| Dec 31, 2025 | $2.69B | Not available |
Operating cash-flow bars share one scale and show magnitude; negative values mean cash used.
USD. Negative operating cash flow means cash used. Capital expenditure keeps the provider’s reported sign; it is not added here to estimate free cash flow or runway.
What should you watch next at The Travelers Companies (TRV)?
Short answer · as of
The next earnings report is expected on Jan 20, 2027.
Research dated 2026-09-12.
Revenue, gross profit, operating profit, and cash generation need to be read together at the forthcoming earnings release. Consensus currently pairs softer near-term revenue with stronger earnings, making profitability more informative than top-line expansion; a reversal in that relationship would weaken the recent pattern.
What management is planning
Management expectations, not completed milestones or guarantees. Selected verbatim excerpts; dates follow the transcript provider.
Our outlook for fixed income NII in the fourth quarter including earnings from short term securities, is up slightly from the outlook we provided a quarter ago.
Daniel Stephen Frey ·
How does The Travelers Companies compare with its peers?
Short answer
The Travelers Companies's score ranks tied for 2nd of 13 in the bounded comparison shown, against 12 same-model peers. These are company scores, not expected investment returns. The set lists named competitors first, then companies in the same data-provider industry classification closest in market value; that classification is the provider's, not our judgment of business similarity.
Research dated 2026-09-12.
Travelers differs from personal-lines-focused insurers because commercial and international insurance is its largest revenue operation, supported by a meaningful personal franchise and a smaller bond and specialty business. Its product breadth spans ordinary commercial coverages and unusually specialized risks, while independent intermediaries connect those products to clients from smaller enterprises to large corporations and public entities.
| Company | Price | Market value | Score |
|---|---|---|---|
| $253.19 Oct 23, 2026 | $64.0B | 99 5-pillar Oct 26, 2026 | |
| The Travelers Companies (TRV) — this page | $398.28 | $83.1B | 98 |
| $228.07 Oct 23, 2026 | $133B | 98 5-pillar Oct 26, 2026 | |
| $176.30 Oct 23, 2026 | $27.1B | 97 5-pillar Oct 26, 2026 | |
| $237.73 Oct 23, 2026 | $8.28B | 97 5-pillar Oct 26, 2026 | |
| $64.83 Oct 23, 2026 | $5.95B | 97 5-pillar Oct 26, 2026 | |
| $102.85 Oct 23, 2026 | $5.70B | 96 5-pillar Oct 26, 2026 | |
| $73.33 Oct 23, 2026 | $27.2B | 92 5-pillar Oct 26, 2026 | |
| $150.62 Oct 23, 2026 | $12.5B | 89 5-pillar Oct 26, 2026 | |
| $355.11 Oct 23, 2026 | $137B | 88 5-pillar Oct 26, 2026 | |
| $14.86 Oct 23, 2026 | $5.90B | 87 5-pillar Oct 26, 2026 | |
| $364.49 Oct 23, 2026 | $8.20B | 86 5-pillar Oct 26, 2026 | |
| $112.01 Oct 23, 2026 | $22.9B | 75 5-pillar Oct 26, 2026 |
Only 5-pillar scores are ranked together. Other models are not directly comparable. Price and score dates are shown separately; market-value dates are unavailable.
The records behind this page
Analyst targets & estimates
What analysts have on file
- Price target, low to high
- $290.00 – $430.00
- Consensus target
- $356.18
- Median target
- $350.00
Consensus record · Captured .
Measured against a quoted price of $398.28 (as of Oct 23, 2026).
Insider activity
Form 4 records via FMP · Of the newest 100 records, those within the last 180 days, newest dated Oct 22, 2026
- Transactions
- 69
- Identified insiders
- 16
- Purchases
- 0
- Sales
- 29
- Other transactions
- 40
Purchases and sales use the reported transaction category. Other transactions include awards, exercises, gifts, withholding and unclassified activity; an acquisition or disposition alone is not a purchase or sale. These records do not establish intent.
Who holds the shares?
Institutional ownership reported through 13F filings.
- Institutional ownership
- 86.6% Period end Jun 30, 2026
- Previous quarter · ownership
- 83.0% Prior to period end Jun 30, 2026
- Reporting holders
- 1,900 Period end Jun 30, 2026
- Previous quarter · holders
- 1,838 Prior to period end Jun 30, 2026
| Holders in provider snapshot | Shares |
|---|---|
| Blackrock, INC. | 20,949,680 |
| State Street Corp | 15,706,016 |
| Vanguard Capital Management LLC | 13,886,981 |
| Fmr LLC | 10,272,794 |
| Vanguard Portfolio Management LLC | 8,314,274 |
Quarterly filings lag the period end. Holder rows are names in the provider snapshot, not a verified ranking; individual filing dates are not supplied. Related managers may appear separately, so these positions are not summed. Holder snapshot as of Jun 30, 2026.
What has been published about The Travelers Companies (TRV)?
Common Questions About TRV (Financial Services)
Research dated 2026-09-12; the full attribution is under Sources. The last 3 questions are answered from this page's own dated data, not from the research.
Does Travelers depend more on Business Insurance than personal auto and homeowners?
Business and International Insurance is the largest revenue segment, ahead of Personal Insurance. Auto and homeowners therefore matter, but commercial underwriting has greater weight in the company’s reported mix.
Why do Travelers fixed-income investment earnings matter alongside underwriting?
Travelers holds a large investment portfolio, and management expects fixed-income net investment income to rise across the upcoming periods. Investment earnings can therefore reinforce insurance profitability even when revenue growth is subdued.
How does Travelers reach commercial and specialty insurance customers?
Independent brokers, agencies, wholesalers, and program managers distribute Travelers policies to businesses, government entities, associations, and specialized industries. That intermediary network is central to customer access across commercial, bond, specialty, and personal products.
Can Travelers property and liability claims derail the recent profit rebound?
Travelers assumes losses across property, auto, workers’ compensation, liability, and specialized risks, so weaker underwriting economics could compress profit even if premium activity remains resilient. Recent revenue has been steadier than net income and operating profit, showing how sharply profitability can move around the top line.
What is the TRV stock price today?
The last price recorded on this page for The Travelers Companies, Inc. (TRV) is $398.28, as of the Oct 23, 2026 trading session (source: Financial Modeling Prep (FMP) · quote). It is a provider snapshot, not a live exchange feed, so check a brokerage quote before you trade.
What is the TRV price target?
The analyst consensus price target for The Travelers Companies, Inc. (TRV) is $356.18 (range $290.00 to $430.00, median $350.00), per FMP data captured Oct 26, 2026. Targets are analyst opinions and change often; they are not a Stock Expert AI forecast.
When are TRV's next earnings?
The next earnings date listed on this page for The Travelers Companies, Inc. (TRV) is Jan 20, 2027. Companies sometimes move report dates, so the company's own announcement is the final word on timing.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Research written by Codex (gpt-5.6-sol) on 2026-09-12. AI-authored analysis; source dates are shown with each answer. Editorial oversight is systemic, not page-by-page. Editorially accountable: Sedat ANAK, Founder and Editor-in-Chief.
Sources — records for every figure on this page (76 figures)
The 76 rows below are exactly the facts the evidence-backed sections of this page printed — the 10-second verdict, the MoonshotScore, price and market value, the five questions with their receipts, and the records behind this page. Known dates and sources are recorded on their own rows; an em dash or UNRECORDED tier preserves a stored observation without inventing either. The quarterly income statement is provider-standardized (FMP) under one row, and scale definitions — a 0-100 rating, the band ladder, the Piotroski 0–9 range — are fixed rather than measured. No number in those sections was generated by a model. The register does not cover quoted third-party headlines, the dated council readings, or the Frequently Asked Questions; each of those says where it came from where it stands.
"As of" is the date the value is true for where the source carries one — a quarter end, a filing date, a price close, the day the score was computed. A cached observation with no source date remains undated; the page publication date is not used as a substitute.
OFFICIAL — 2 facts from SEC filings and earnings calls
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
prod.outlook | Management outlook — call excerpts | Daniel Stephen Frey (Oct 16, 2026): Our outlook for fixed income NII in the fourth quarter including earnings from short term securities, is up slightly from the outlook we provided a quarter ago. | OFFICIAL | Company earnings call, transcript via Financial Modeling Prep (FMP) — Selected verbatim statements from the latest available call, dated by the transcript provider. Management expectations, not completed milestones or guarantees. Relative dates retain the speaker's wording. | |
id.hq | SEC filing business address | Saint Paul, MN | OFFICIAL | SEC EDGAR filer business address — The SEC filer business address. Our market-data provider separately lists "485 Lexington Avenue, New York City, NY, 10017, US". The FMP company description names New York, New York as the headquarters; this page uses the address in this row. |
FMP — 64 facts from Financial Modeling Prep endpoint families
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
px.last | Latest provided price | $398.28 | FMP | Financial Modeling Prep (FMP) · quote — Dated to the US trading session the price belongs to, derived from the quote record's timestamp (weekend and pre-open reads roll back to the previous weekday; exchange holidays are not modelled). The record does not establish an exchange execution time. Retrieved 2026-10-25T23:24:17.699Z. | |
px.change | Change on the day | -1.77% | FMP | Financial Modeling Prep (FMP) · quote | |
px.mcap | Market capitalisation | $83.1B | FMP | Financial Modeling Prep (FMP) · quote — Date unknown Market cap record date: 2026-10-23. FMP quote timestamp: 2026-10-23T20:00:02.000Z. Captured from FMP at 2026-10-25T23:24:15.831Z. No share-count basis is inferred; this page preserves the reported amount instead of recalculating it from shares. | |
px.change_abs | Change on the day, in dollars | −$7.16 | FMP | Financial Modeling Prep (FMP) · quote | |
fin.q_revenue | Revenue, Q3 FY2026 | $12.41B | FMP | Financial Modeling Prep (FMP) · income statement (quarterly) | |
px.pe | Price / earnings (trailing) | 10.28 | FMP | Financial Modeling Prep (FMP) · quote | |
px.volume | Shares traded on the day | 1.29M | FMP | Financial Modeling Prep (FMP) · quote | |
px.beta | Beta | 0.44 | FMP | Financial Modeling Prep (FMP) company profile | |
id.ceo | Chief executive | Alan D. Schnitzer | FMP | Financial Modeling Prep (FMP) key executives (proxy-derived) — Titles and pay come from the company's proxy statement as our provider parsed it. | |
id.employees | Employees | 34,000 | FMP | Financial Modeling Prep (FMP) employee count, from the company's filing | |
fin.annual | Revenue and net result by fiscal year | 5 fiscal years, FY2021 through FY2025: FY2021 revenue $34.82B, net result $3.66B; FY2022 revenue $36.90B, net result $2.84B; FY2023 revenue $41.37B, net result $2.99B; FY2024 revenue $46.43B, net result $5.00B; FY2025 revenue $48.83B, net result $6.29B | FMP | Financial Modeling Prep (FMP), from the company's 10-K income statements | |
fin.rev_mix | Reported revenue segments | Personal Insurance $18.28B · Bond & Specialty Insurance $4.58B · Business And International Insurance $26.02B | FMP | Financial Modeling Prep (FMP) revenue segmentation, from the company's 10-K | |
fin.gross_margin | Gross margin (trailing twelve months) | 34.9% | FMP | Financial Modeling Prep (FMP) key-metrics-ttm + ratios-ttm — A ratio our provider could not compute is absent rather than shown as zero. | |
fin.q_table.depth.2026-09-30.revenue_k | Revenue — period end 2026-09-30 | $12.41B | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-09-30.sga_k | SG&A — period end 2026-09-30 | $1.58B | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-09-30.operating_result_k | FMP standardized operating result — period end 2026-09-30 | $2.49B | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-06-30.revenue_k | Revenue — period end 2026-06-30 | $12.15B | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-06-30.sga_k | SG&A — period end 2026-06-30 | $1.56B | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-06-30.operating_result_k | FMP standardized operating result — period end 2026-06-30 | $2.88B | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-03-31.revenue_k | Revenue — period end 2026-03-31 | $11.92B | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-03-31.sga_k | SG&A — period end 2026-03-31 | $1.54B | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-03-31.operating_result_k | FMP standardized operating result — period end 2026-03-31 | $2.12B | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-12-31.revenue_k | Revenue — period end 2025-12-31 | $12.43B | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-12-31.sga_k | SG&A — period end 2025-12-31 | $1.54B | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-12-31.operating_result_k | FMP standardized operating result — period end 2025-12-31 | $3.10B | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
earn.history.depth.2026-10-16.revenue_actual | Revenue · reported — report date 2026-10-16 | $12.41B | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-10-16.revenue_estimated | Revenue · estimate — report date 2026-10-16 | $11.36B | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-10-16.eps_actual | EPS · reported — report date 2026-10-16 | $9.1800 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-10-16.eps_estimated | EPS · estimate — report date 2026-10-16 | $7.3900 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-07-17.revenue_actual | Revenue · reported — report date 2026-07-17 | $11.53B | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-07-17.revenue_estimated | Revenue · estimate — report date 2026-07-17 | $11.26B | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-07-17.eps_actual | EPS · reported — report date 2026-07-17 | $10.0400 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-07-17.eps_estimated | EPS · estimate — report date 2026-07-17 | $5.4100 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-04-16.revenue_actual | Revenue · reported — report date 2026-04-16 | $10.34B | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-04-16.revenue_estimated | Revenue · estimate — report date 2026-04-16 | $10.72B | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-04-16.eps_actual | EPS · reported — report date 2026-04-16 | $7.7100 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-04-16.eps_estimated | EPS · estimate — report date 2026-04-16 | $7.0700 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-01-21.revenue_actual | Revenue · reported — report date 2026-01-21 | $10.86B | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-01-21.revenue_estimated | Revenue · estimate — report date 2026-01-21 | $11.12B | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-01-21.eps_actual | EPS · reported — report date 2026-01-21 | $11.1300 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-01-21.eps_estimated | EPS · estimate — report date 2026-01-21 | $8.8000 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
fin.q_table | Quarterly income statement | 4 quarters through Q3 FY2026 | FMP | Financial Modeling Prep (FMP) · income statement (quarterly), as filed | |
fin.cash_investments | Cash and short-term investments | $96.34B | FMP | Financial Modeling Prep (FMP), from the company's balance sheet — Long-term investments are shown separately; their marketability is not established by the provider field. The cash and short-term investment balance does not establish unrestricted availability. Long-term investments are excluded and remain unclassified. Restrictions on cash and short-term investments require separate review. | |
fin.opcf_latest | Latest-quarter operating cash flow | $3.88B | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Period end: 2026-09-30. Negative operating cash flow means cash used. This figure is not a cash-runway estimate. | |
fin.long_term_investments | Long-term investments (classification unverified) | $5.01B | FMP | Financial Modeling Prep (FMP), from the company's balance sheet — Long-term investments are shown separately; their marketability is not established by the provider field. The cash and short-term investment balance does not establish unrestricted availability. | |
fin.total_debt | Total debt | $9.81B | FMP | Financial Modeling Prep (FMP), from the company's balance sheet — Long-term investments are shown separately; their marketability is not established by the provider field. The cash and short-term investment balance does not establish unrestricted availability. | |
fin.price_to_book | Price to book value | 2.84× | FMP | Financial Modeling Prep (FMP) key-metrics-ttm + ratios-ttm — A ratio our provider could not compute is absent rather than shown as zero. | |
fin.opcf.depth.2026-09-30.operating_cash_flow_m | Operating cash flow — period end 2026-09-30 | $3.88B | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2026-06-30.operating_cash_flow_m | Operating cash flow — period end 2026-06-30 | $1.92B | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2026-03-31.operating_cash_flow_m | Operating cash flow — period end 2026-03-31 | $2.20B | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2025-12-31.operating_cash_flow_m | Operating cash flow — period end 2025-12-31 | $2.69B | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
earn.pt_range | Analyst price target, low to high | $290.00 – $430.00 | FMP | Financial Modeling Prep (FMP) · price-target consensus — Captured Oct 26, 2026 · Coverage not supplied | |
earn.pt_consensus | Consensus analyst price target | $356.18 | FMP | Financial Modeling Prep (FMP) · price-target consensus — Captured Oct 26, 2026 · Coverage not supplied | |
earn.pt_median | Median analyst price target | $350.00 | FMP | Financial Modeling Prep (FMP) · price-target consensus — Captured Oct 26, 2026 · Coverage not supplied | |
own.insiders | Insider transactions via FMP | 69 transactions · 0 purchases, 29 sales, 40 other transactions · 16 identified insiders · of the newest 100 records, those within the last 180 days, newest dated Oct 22, 2026 | FMP | Financial Modeling Prep (FMP), carrying Form 4 transaction records — Purchases and sales use the reported transaction category. Other transactions include awards, exercises, gifts, withholding and unclassified activity; an acquisition or disposition alone is not a purchase or sale. These records do not establish intent. | |
own.institutions.depth.ownership_pct | Institutional ownership | 86.6% | FMP | Financial Modeling Prep (FMP) institutional ownership summary, from 13F filings — 13F filings are quarterly and lag the quarter end by up to 45 days. Period end Jun 30, 2026 | |
own.institutions.depth.ownership_pct_previous_quarter | Previous quarter · ownership | 83.0% | FMP | Financial Modeling Prep (FMP) institutional ownership summary, from 13F filings — 13F filings are quarterly and lag the quarter end by up to 45 days. Prior to period end Jun 30, 2026 | |
own.institutions.depth.holders | Reporting holders | 1,900 | FMP | Financial Modeling Prep (FMP) institutional ownership summary, from 13F filings — 13F filings are quarterly and lag the quarter end by up to 45 days. Period end Jun 30, 2026 | |
own.institutions.depth.holders_previous_quarter | Previous quarter · holders | 1,838 | FMP | Financial Modeling Prep (FMP) institutional ownership summary, from 13F filings — 13F filings are quarterly and lag the quarter end by up to 45 days. Prior to period end Jun 30, 2026 | |
own.top_holders.depth.holder_0.shares | Blackrock, INC. — shares in provider snapshot | 20,949,680 | FMP | Financial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied. | |
own.top_holders.depth.holder_1.shares | State Street Corp — shares in provider snapshot | 15,706,016 | FMP | Financial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied. | |
own.top_holders.depth.holder_2.shares | Vanguard Capital Management LLC — shares in provider snapshot | 13,886,981 | FMP | Financial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied. | |
own.top_holders.depth.holder_3.shares | Fmr LLC — shares in provider snapshot | 10,272,794 | FMP | Financial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied. | |
own.top_holders.depth.holder_4.shares | Vanguard Portfolio Management LLC — shares in provider snapshot | 8,314,274 | FMP | Financial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied. |
UNRECORDED — 3 facts from stored observations whose source was not recorded
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
earn.next | Next earnings date | Jan 20, 2027 | UNRECORDED | Stored earnings-calendar observation — Captured 2026-10-21 | |
earn.history | Reported versus estimated, recent quarters | EPS beat 8 of 8 | UNRECORDED | Stored earnings-history observation — Captured 2026-10-26 | |
px.range52 | 52-week range | $264.25 – $407.87 | UNRECORDED | Stored company-profile observation — Captured 2026-10-26 |
COMPUTED — 5 facts from our arithmetic, formula restated
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
fin.mcap_to_cash | Market value per dollar of cash and short-term investments | 0.86× | — | COMPUTED | Computed on this page from the figures above — The market capitalisation printed on this page divided by cash and short-term investments of $96.34B at Sep 30, 2026. Long-term investments are excluded and remain unclassified. Restrictions on cash and short-term investments require separate review. Market cap record date: 2026-10-23. Balance-sheet reference date: 2026-09-30. The inputs do not establish a single common source date for this ratio. |
div.ttm_per_share | Dividends per share, last 12 months (split-adjusted) | $4.70 | COMPUTED | Financial Modeling Prep (FMP) split-adjusted dividend history — Sum of 4 split-adjusted declared dividends with an ex-date in the 365 days to 2026-10-26, per current share. Ex-dates are not payment dates; special dividends are included. Not a declared annual rate. | |
div.ttm_yield | Dividend yield, last 12 months | 1.18% | COMPUTED | Financial Modeling Prep (FMP) split-adjusted dividend history and quote — Split-adjusted dividends with ex-dates in the trailing 365-day window divided by the packet price, on the same current-share basis. Price date follows the quote, latest price bar or packet-build day when unstamped. Not a forecast or declared annual rate. | |
earn.history.depth.2026-10-16.revenue_actual.comparison | Latest report · revenue vs estimate | Above estimate | Report date · | COMPUTED | Computed from Financial Modeling Prep (FMP) earnings — Earnings-history note — Method: compare reported revenue ($12.41B) with the recorded estimate ($11.36B) at displayed precision. Equal displayed values are in line. This compares reported results with recorded estimates, not investment returns. |
earn.history.depth.2026-10-16.eps_actual.comparison | Latest report · EPS vs estimate | Above estimate | Report date · | COMPUTED | Computed from Financial Modeling Prep (FMP) earnings — Earnings-history note — Method: compare reported EPS ($9.1800) with the recorded estimate ($7.3900) at displayed precision. Equal displayed values are in line. This compares reported results with recorded estimates, not investment returns. |
OURS — 2 facts from Stock Expert AI's own score and rank
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
ours.moonshot | MoonshotScore v2 | 98 of 100 · Exceptional · pillars 97 / 68 / 74 / 84 / 97 | OURS | Stock Expert AI MoonshotScore v2 engine | |
ours.moonshot_change | MoonshotScore movement | 98 (stored snapshot Oct 24, 2026) → 98 (current publication computed Oct 26, 2026) (0) | OURS | Stock Expert AI current score publication and immutable score snapshots — The current score publication is not yet represented in the immutable snapshot archive. |
Fact-family notes
- Quarterly statement note. Source series as of 2026-09-30. USD. The operating result is the FMP-standardized value supplied by FMP; it may differ from a filing’s GAAP loss from operations when the provider classifies separately presented items differently. It is not net income or cash flow. Applies to Fact IDs:
fin.q_table.depth.2026-09-30.revenue_k,fin.q_table.depth.2026-09-30.sga_k,fin.q_table.depth.2026-09-30.operating_result_k,fin.q_table.depth.2026-06-30.revenue_k,fin.q_table.depth.2026-06-30.sga_k,fin.q_table.depth.2026-06-30.operating_result_k,fin.q_table.depth.2026-03-31.revenue_k,fin.q_table.depth.2026-03-31.sga_k,fin.q_table.depth.2026-03-31.operating_result_k,fin.q_table.depth.2025-12-31.revenue_k,fin.q_table.depth.2025-12-31.sga_k,fin.q_table.depth.2025-12-31.operating_result_k. - Earnings-history note. Source series as of 2026-10-16. Dates are report dates, not fiscal period ends. Revenue is in USD; EPS is USD per share, rounded to four decimals. The earnings feed does not establish a basic, diluted or adjusted basis. Earnings-feed EPS may differ from statement EPS; the two series are not combined. Applies to Fact IDs:
earn.history.depth.2026-10-16.revenue_actual,earn.history.depth.2026-10-16.revenue_estimated,earn.history.depth.2026-10-16.revenue_actual.comparison,earn.history.depth.2026-10-16.eps_actual.comparison,earn.history.depth.2026-10-16.eps_actual,earn.history.depth.2026-10-16.eps_estimated,earn.history.depth.2026-07-17.revenue_actual,earn.history.depth.2026-07-17.revenue_estimated,earn.history.depth.2026-07-17.eps_actual,earn.history.depth.2026-07-17.eps_estimated,earn.history.depth.2026-04-16.revenue_actual,earn.history.depth.2026-04-16.revenue_estimated,earn.history.depth.2026-04-16.eps_actual,earn.history.depth.2026-04-16.eps_estimated,earn.history.depth.2026-01-21.revenue_actual,earn.history.depth.2026-01-21.revenue_estimated,earn.history.depth.2026-01-21.eps_actual,earn.history.depth.2026-01-21.eps_estimated. - Cash-flow note. Source series as of 2026-09-30. USD. Negative operating cash flow means cash used. Capital expenditure keeps the provider’s reported sign; it is not added here to estimate free cash flow or runway. Applies to Fact IDs:
fin.opcf.depth.2026-09-30.operating_cash_flow_m,fin.opcf.depth.2026-06-30.operating_cash_flow_m,fin.opcf.depth.2026-03-31.operating_cash_flow_m,fin.opcf.depth.2025-12-31.operating_cash_flow_m.
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Sources used for research written 2026-09-12
Historical evidence preserved with this analysis. Current figures are listed separately above.
| Evidence | Captured value | Source date | Source type | Source |
|---|---|---|---|---|
| Business description | The Travelers Companies, Inc., through its network of subsidiaries, delivers a broad spectrum of commercial and personal property and casualty insurance products and services. These offerings cater to businesses, government entities, associations, and individual clients both within the United States and internationally. The company's operations are divided into three primary segments: Business Insurance, Bond & Specialty Insurance, and Personal Insurance. The Business Insurance segment provides a comprehensive portfolio of commercial coverages, ranging from foundational offerings like workers' compensation, commercial auto, property, general liability, multi-peril, and employers' liability, to more specialized policies. These specialized offerings include public and product liability, professional indemnity, marine, aviation, onshore and offshore energy, construction, terrorism, personal accident, and even kidnap and ransom insurance. This segment serves a diverse clientele, from small and mid-sized enterprises to large corporations, and also focuses on sectors like commercial trucking and agriculture. Its products are distributed through a robust network of independent brokers, wholesale agents, and program managers. The Bond & Specialty Insurance segment focuses on providing surety and fidelity bonds, as well as management and professional liability insurance. Additionally, it offers other property and casualty coverages paired with crucial risk management services. Distribution for this segment is handled via independent agencies and brokers. Lastly, the Personal Insurance segment addresses individual needs by offering property and casualty insurance for personal risks. Its primary focus areas are automobile and homeowners insurance, which are also made available to consumers through independent agencies and brokers. Founded in 1853, The Travelers Companies, Inc. maintains its headquarters in New York, New York. | 2026-09-12 | FMP | Financial Modeling Prep (FMP) company profile |
| Revenue by segment | Personal Insurance: $18.28B; Bond & Specialty Insurance: $4.58B; Business And International Insurance: $26.02B | 2025-12-31 | FMP | Financial Modeling Prep (FMP) revenue segmentation, from the company's 10-K |
| Quarterly income statement (USD thousands) | Captured record · 8 entries
| 2026-06-30 | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements |
| Management outlook — dated call excerpts | Captured record · 2 entries
Selected verbatim statements from the latest available call, dated by the transcript provider. Management expectations, not completed milestones or guarantees. Relative dates retain the speaker's wording. | 2026-07-17 | OFFICIAL | Company earnings call, transcript via Financial Modeling Prep (FMP) |
| Sector / industry (provider taxonomy) | Financial Services / Insurance - Property & Casualty The company's SEC filings classify it under SIC 6331 — Fire, Marine & Casualty Insurance. | 2026-09-12 | FMP | Financial Modeling Prep (FMP) company profile |
| Annual revenue and net result (USD millions) | Captured record · 5 entries
| 2025-12-31 | FMP | Financial Modeling Prep (FMP), from the company's 10-K income statements |
| Reported versus estimated, last 8 quarters | Captured record · 8 entries
| 2026-07-17 | FMP | Financial Modeling Prep (FMP) earnings |
| Operating cash flow by quarter (USD millions) | Captured record · 8 entries
| 2026-06-30 | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements |
| Cash, investments and debt | Total debt: $9.07B; Liquidity basis: cash and short-term investments; Total liabilities: $110.46B; Cash and short-term investments: $5.20B; Cash and investments: $103.80B; Long-term investments: $98.60B; Long-term investments classification: unclassified Long-term investments are shown separately; their marketability is not established by the provider field. The cash and short-term investment balance does not establish unrestricted availability. | 2026-06-30 | FMP | Financial Modeling Prep (FMP), from the company's balance sheet |
| Cash and investment components | Total basis: cash short and long-term investments; Total: $103.80B; Cash and short-term investments: $5.20B; Long-term investments: $98.60B; Long-term investments classification: unclassified Sums the balance sheet's cash and short-term investments with its long-term investments.; The long-term investment field does not establish marketability; the sum is not a measure of available liquidity.; These provider fields do not establish investment access restrictions or explain differences from third-party cash figures. | 2026-06-30 | COMPUTED | Computed from the balance sheet |
| Cash against market value | As of: 2026-06-30; Cash basis: cash and short-term investments; Net cash: -$3.87B; Total debt: $9.07B; Cash and investments: $5.20B Price-based multiples captured at research time are not repeated here; the page shows each once, from current figures with their own dates. Cash is the latest reported cash and short-term investment balance; long-term investments are excluded. Market capitalization is the latest provider value.; The reported balance does not establish unrestricted availability or liquidation value.; The two are measured on different dates — the balance sheet is a quarter-end, the market cap is a recent close.; Debt is total debt as reported, including operating lease liabilities where the filer includes them. | 2026-06-30 | COMPUTED | Computed from the balance sheet and the latest market capitalization |
| Next earnings report | Date: 2026-10-15; EPS estimate: $6.77 per share; Revenue estimate: $11.31B The date is our provider's estimate until the company confirms it. | 2026-09-12 | FMP | Financial Modeling Prep (FMP) earnings calendar |
| Analyst revenue and earnings estimates (average) | Captured record · 4 entries
| 2026-09-12 | FMP | Financial Modeling Prep (FMP) analyst estimates |
| Most recent periodic reports | 2026-07-17 | OFFICIAL | SEC EDGAR filer submissions |
Data provided for informational purposes only.
ETFs that hold TRV
Funds in our ETF coverage that list TRV among the top 10 holdings on their fund page, largest weight first. Each weight is the fund's reported holding weight as of the date in its row.