The Travelers Companies, Inc. (TRV) Fundamental Analysis
The Travelers Companies, Inc. is assessed below across growth, profitability, cash generation and balance-sheet strength, sourced directly from its SEC filings. It is solidly profitable, with a latest net margin of 15%. Cash generation is healthy, funding the business from its own operations. On the latest filing the majority of indicators are constructive.
Beat Index assesses The Travelers Companies, Inc. across twenty analysis tabs, spanning market multiples, revenue and income, margins, cash flow, returns, liquidity and leverage, working capital, intrinsic value, commitments, insider activity, risk, and its latest 10-Q reads strongest on profit margins, cash generation and balance-sheet strength while flagging revenue growth for closer review. Every figure is taken as-reported from SEC EDGAR filings, with no vendor adjustments.
At a glance
- PositiveProfitability: Net margin 15%
- WatchNothing flagged to watch next quarter.
- ConcernGrowth: Revenue down -0% YoY
Trend matrix, last 4 quarters
| Dimension | 2026-09-30 | 2026-06-30 | 2026-03-31 | 2025-12-31 |
|---|---|---|---|---|
| Growth | Revenue down -0% YoY | Revenue +0% YoY | Revenue +1% YoY | Revenue +4% YoY |
| Profitability | Net margin 15% | Net margin 18% | Net margin 14% | Net margin 20% |
| Cash Generation | FCF margin 31% | FCF margin 16% | FCF margin 18% | FCF margin 22% |
| Balance Sheet | Debt/equity 0.3x | Debt/equity 0.3x | Debt/equity 0.3x | Debt/equity 0.3x |
Quarterly financials
| Metric | 2026-09-30 | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 |
|---|---|---|---|---|---|
| Revenue | $12.41B | $12.15B | $11.92B | $12.43B | $12.47B |
| Cash & equivalents | $766.0M | $621.0M | $615.0M | $842.0M | $729.0M |
| Net income | $1.92B | $2.21B | $1.71B | $2.50B | $1.89B |
| Operating cash flow | $3.88B | $1.92B | $2.20B | $2.69B | $4.23B |
| Free cash flow | $3.88B | $1.92B | $2.20B | $2.69B | $4.23B |
Figures in USD, as reported to the SEC. Longer history is available in the full analysis.
What's inside the full dashboard
Twenty analysis tabs. Every financial figure comes from SEC filings, with no estimates.
- Market Multiples: What buyers have actually paid for this business, week by week, against what they pay today.
- Cash Flow: Free cash flow generation and operating cash flow trends.
- Intrinsic Value: Discounted cash flow (DCF) valuation against your own discount rate.
- Priced In: The move the options market is pricing in, including around earnings, read from your own Alpaca account once connected.
- Liquidity & Leverage: Balance-sheet strength: assets, liabilities, debt and liquidity ratios.
- Margins: Gross, operating, and net profit margin analysis.
- Returns: Return on equity, return on assets, and return on invested capital.
- Revenue & Income: Revenue growth, composition, and year-over-year income trends.
- Working Capital: Working-capital efficiency, cash conversion and asset-turnover metrics.
- Risk: Debt levels, liquidity ratios, and financial risk indicators.
- Insider: Insider stock transactions and executive activity.
- Commitments: Operating leases, purchase commitments, and future obligations.
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Live valuation, management commentary, and peer comparison, all sourced directly from SEC filings. Free to access.