Travelers Companies (The) (TRV)
Financials · Property and Casualty Insurance · NYSE
A major US property and casualty insurer serving commercial and personal customers with a diversified portfolio of insurance products, backed by a substantial investment portfolio generating substantial net investment income.
What Travelers Companies (The) does
The Travelers Companies is a property and casualty (P&C) insurance holding company that provides commercial and personal insurance products, including auto, home, specialty, and workers' compensation coverage, along with managed services and risk management solutions. The company generates revenue from insurance premiums, net investment income from its substantial investment portfolio, and fee income. It serves individuals, businesses, and other organizations through multiple distribution channels including agents and brokers.
Themes: Property and casualty insurance, Commercial insurance, Personal auto insurance, Workers' compensation, Risk management, Investment portfolio management
Fundamentals
- Price$363.58 as of 2026-08-21 close
- Market cap$75.8B as of 2026-08-21
- 1-year return+32.2% 2025-08-21 close $274.92 → 2026-08-21 close $363.58
- P/E9.38 as of 2026-08-24
- Net margin+16.9% as of 2026-08-24
- ROE+25.6% as of 2026-08-24
- Debt / equity0.27 as of 2026-08-24
- Revenue growth (YoY)+2.4% as of 2026-08-24
- Revenue CAGR (3y)+9.8% SEC XBRL
- Beta0.44 as of 2026-08-24
- Last reported earnings2026-07-17 SEC EDGAR Form 8-K (Item 2.02)
Dividend: yield +2.3%; at least 5 years of non-decreasing per-share dividends (SEC XBRL) — we do not hold the year before it, so the real streak may be longer.
How TRV compares in its sector
- price-to-earnings ratiobottom 25% 525 covered Financials peers, as of 2026-08-24
- net profit marginmiddle range 538 covered Financials peers, as of 2026-08-24
- operating marginmiddle range 534 covered Financials peers, as of 2026-08-24
- return on equitytop 25% 575 covered Financials peers, as of 2026-08-24
- 3-year revenue CAGRmiddle range 347 covered Financials peers
- indicated dividend yieldmiddle range 453 covered Financials peers, as of 2026-08-24
Position among covered Financials companies that report each metric (minimum 5 peers). A relative position within our covered catalog — not a valuation, quality, or investment judgment. A higher percentile is simply a higher value (for P/E, more expensive on earnings — never "better"). Informational only.
Top 10 scores & list membership
TRV is not currently in any published Top 10 list. Its scores are below.
Long-term score
66.6 #73 of 987 scored · #49 of 191 in Financials
Financial health 78th (free cash flow margin 22.5%, debt to equity 0.3) and profitability 71st (return on equity 25.6%, operating margin 22%); weakest is growth (49th, revenue growth year over year 2.4%, 3-year revenue CAGR 9.8%).
Short-term score
49.3 #836 of 1,704 scored · #143 of 277 in Financials
Trend 54th: a "golden cross" — its 50-day average is above its 200-day; catalysts 54th: open-market insider buys in 90 days 14, the analyst consensus rating is unchanged since the prior reading; weakest is setup 34th: a fresh 20-day low.
Scores as of 21 Aug 2026. Each bar is a percentile: how this company ranked against every company the score ranked, 0–100. A list is a published formula and its output, not a recommendation. Method version 2.
Dividend coverage (FY2025)
Covered by reported results. In FY2025, TRV's dividend was covered by reported results (earnings payout 16%, operating-cash-flow payout 9%). This describes past coverage, not a forecast.
- Earnings payout16% dividends / net income
- Operating-cash-flow payout9% dividends / operating cash flow — capital spending was not reported, so this does not subtract it
Coverage derived from reported SEC EDGAR XBRL figures for FY2025 (dividends paid vs. net income and free cash flow, same fiscal year). This describes PAST coverage for one fiscal year — it does not predict whether a dividend will be maintained, raised, or cut, and a one-year payout ratio can be distorted by non-recurring items. Informational only — not financial advice.
How Travelers Companies (The) looks technically
Travelers Companies (The) (TRV) is trading 18.2% above its 200-day average, the long-term trend line — a longer-term uptrend. Its 50-day average crossed above its 200-day average about 669 trading days ago — a "golden cross", a bullish long-term signal. A trend is forming but not yet strong — ADX, a 0–100 trend-strength gauge, is 22 (a reading of 25+ marks a strong trend). Momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 48, neither overbought (above 70) nor oversold (below 30). It made a new 20-day low about 3 trading days ago.
Trend
7
| Distance from the 200-day | it is trading 18.2% above its 200-day average, the long-term trend line — a longer-term uptrend | +18.2% |
|---|---|---|
| 50-day moving average | its average price over the last 50 trading days — a short-term trend line — is $351.20 | $351.20 |
| 200-day moving average | its average price over the last 200 trading days — the long-term trend line — is $307.58 | $307.58 |
| Swing structure | each recent peak has been higher than the one before it and each dip has been shallower — the pattern chart-watchers call an uptrend, which describes where price has already been and not where it goes next | higher highs and higher lows |
| Last swing turn | its last significant turn was a swing low 22 calendar days ago — the swings before that are what the structure reading is measured on | 22 sessions |
| Since the 50/200 cross | its 50-day average crossed above its 200-day average about 669 trading days ago — a "golden cross", a bullish long-term signal | 669 sessions |
| Trend strength (14-day ADX) | a trend is forming but not yet strong — ADX, a 0–100 trend-strength gauge, is 22 (a reading of 25+ marks a strong trend) | 22.2 |
Momentum
3
| 14-day RSI | momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 48, neither overbought (above 70) nor oversold (below 30) | 47.9 |
|---|---|---|
| Position in its 14-day range | it is trading near the bottom of its 14-day range ($358.88 to $386.58) — its "stochastic" reading is 17 out of 100, where 0 would mean closing exactly at the 14-session low and 100 exactly at the high. This measures WHERE the price sits inside its recent range, which is a different question from the RSI beside it: RSI is a momentum gauge, measuring how FAST the price has been moving, so a stock can drift quietly to the bottom of its range with an ordinary RSI, or fall sharply and still sit in the middle. It has been climbing within that range over the last few sessions. | 17.0 |
| Since the MACD crossed zero | MACD, a trend-momentum gauge, is in negative territory (momentum leaning bearish) | 15 sessions |
Range
12
| 52-week high | its highest closing price over the past year (about 252 trading days) was $398.69 | $398.69 |
|---|---|---|
| From the 52-week high | it is 8.8% below its 52-week high (its highest price of the past year) | -8.8% |
| Above the 52-week low | it is 44.1% above its 52-week low (its lowest price of the past year) | +44.1% |
| Below the 52-week high | it is 8.8% below its highest point of the past year | 8.8% |
| Since a 20-day breakout | it made a new 20-day low about 3 trading days ago | 3 sessions |
| Since a 55-day breakout | it made a new 55-day high about 19 trading days ago | 19 sessions |
| All-time high | its highest closing price on record is $398.69 (set on 2026-07-28) | $398.69 |
| Given back of the 52-week move | over the past year its closes ranged ($261.57 to $397.22), and it has given back roughly a quarter of its rise from last year’s low — 25% of it. Chart-watchers call 61.8%-65% given back the "golden pocket" — for this company that is $309.05 to $313.39. It is watched widely enough that orders cluster there, which is the honest reason it matters; it is not a forecast. | 24.8% |
| From the all-time high | it is 8.8% below its all-time high | -8.8% |
| Nearest price level | it is trading 15.2% above a support level at $308.22 — a price it turned at five times since 2026-02-06, most recently on 2026-05-26. Since 2024-08-21 it has 12 such levels below the current price and 0 above. Levels like these describe where the price has reversed or paused before; they are not a forecast of where it will go. | -15.2% |
| All-time low | its lowest closing price on record is $28.91 (set on 2008-10-10) | $28.91 |
| Above the all-time low | it is 1157.6% above its all-time low | +1,158% |
Volatility
5
| Band width vs its own 6 months | day-to-day price swings are about average versus its own recent 6-month history | 68th percentile |
|---|---|---|
| Typical daily range | in a typical session it travels about $7.84 between its high and its low — about 2.2% of its price. That is its "average true range" over the last 14 sessions, which also counts the distance from the previous close, so a day that opens well away from yesterday counts as the large move it was | $7.84 |
| Bollinger bands (20-day, ±2σ) | most of its recent trading has stayed between about $356.68 and $394.83 — the "Bollinger bands", a range drawn two standard deviations either side of its 20-day average price, which widens when the stock gets more volatile and narrows when it settles | $356.68 – $375.76 – $394.83 |
| Typical daily range (% of price) | its price moves about 2.2% in a typical session — calmer than most companies we cover. This is the average gap between a session's high and low over the last 14 sessions, counting overnight moves, expressed against the current price so it can be compared with companies trading at any price | 2.2% |
| Stretch from the 200-day average | it is trading 7.2 daily ranges above its 200-day average price (18.2% above it in plain percentage terms) — a way of asking how far it has stretched from its own average in units of how far it normally moves in a day, so a calm company and a jumpy one can be compared on the same scale | 7.2 daily ranges above its 200-day average |
Volume
1
| Volume vs its 30-day average | trading volume is about normal versus its 30-day average | 0.83× |
|---|
Analyst
2
| Change in the average price target | analysts' average price target is unchanged from the prior reading | 0.0% |
|---|---|---|
| Change in the consensus rating | the analyst consensus rating is unchanged since the prior reading | unchanged |
Candlestick patterns
1
| Since a doji | 5 sessions ago it opened and closed at almost the same price after trading through a wider range — a "doji", the classic picture of buyers and sellers finishing the session level | 5 sessions ago |
|---|
Price gaps
3
| Gap at the open | it opened on 2026-08-21 0.2% above the previous session's close — an overnight gap, the part of the move that happened while the market was shut, and traded back through that level before the close | +0.2% |
|---|---|---|
| Open gap | it gapped 2.6% above the previous close 48 sessions ago and has not traded back through the level it left behind at 296.73 — an "unfilled gap", which describes a price range no trade has since crossed and is not a forecast that it will be crossed | +2.6% |
| Gap filled | a 2.0% gap down opened on 2026-07-15 has been "filled" 24 sessions ago — price traded back through the level the gap left behind, and it took 3 sessions to close | 24 sessions ago |
Price streaks
1
| Closing streak | it closed lower in its latest session, after a session that did not close lower — a single down day rather than a run | 1 session down |
|---|
Relative strength
4
| vs market, 1 month | over the past 1 month this stock lagged the market by 4.0 percentage points (the stock lost 1.6% while the market gained 2.3%) | -4.0% |
|---|---|---|
| vs market, 3 months | over the past 3 months this stock beat the market by 15.2 percentage points (the stock gained 18.3% while the market gained 3.1%) | +15.2% |
| vs market, 6 months | over the past 6 months this stock beat the market by 8.2 percentage points (the stock gained 19.2% while the market gained 11.1%) | +8.2% |
| vs market, 12 months | over the past 12 months this stock beat the market by 11.8 percentage points (the stock gained 32.2% while the market gained 20.5%) | +11.8% |
Signal agreement
2
| Bullish technical signals | 5 of the 9 technical signals we can compute for it are currently in a bullish state: a "golden cross" — its 50-day average is above its 200-day, trading above its 200-day average, outperforming the market over 6 months, near the bottom of its 14-day range (oversold), trading above the Ichimoku cloud — these describe past price behaviour, not a forecast | 5 of 9 |
|---|---|---|
| Bearish technical signals | 2 of the 9 technical signals we can compute for it are currently in a bearish state: a fresh 20-day low, MACD momentum is negative — these describe past price behaviour, not a forecast | 2 of 9 |
Trend (Ichimoku cloud)
1
| Vs the Ichimoku cloud | trading 11% above the Ichimoku cloud — a band drawn from where its own highs and lows sat up to 2026-07-16 and projected forward over today's price, the side traders read as an established uptrend, with the band below acting as the level that would have to give way. The band itself is moderate, spanning 2.9% of the share price. | +10.5% |
|---|
Volume-weighted price
2
| Vs this year’s average price paid | the price is 14% above the average price paid so far this year, so the typical buyer over that stretch is showing a gain. That average is $317.98 — a volume-weighted average of daily closes over 157 sessions, not a true tick-by-tick VWAP. | +14.3% |
|---|---|---|
| Vs the average paid since it last reported | the price is 3% below the average price paid since it last reported on 2026-07-17 (its 10-Q), so the typical buyer over that stretch is under water. That average is $375.29 — a volume-weighted average of daily closes over 26 sessions, not a true tick-by-tick VWAP. | -3.1% |
Price levels it has turned at before
TRV last closed at $363.58 on 2026-08-21. Since 2024-08-21 it has turned at 12 prices below its last close and 0 above; the 3 nearest below are listed, nearest first.
| Level | Side | Distance | Evidence |
|---|---|---|---|
| $308.22 | Support | 15.2% below the last close | turned there five times · 2026-02-06 to 2026-05-26 |
| $295.93 | Support | 18.6% below the last close | turned there twice · 2025-11-25 to 2025-12-19 |
| $290.63 | Support | 20.1% below the last close | turned there six times · 2025-10-08 to 2026-06-02 |
A level is a price this company reversed or paused at more than once — they describe past behaviour, not a forecast of where the price will go.
Wave structure
No Elliott-wave labelling currently fits its swings: the recent highs and lows do not satisfy the three rules a five-wave count has to obey, so there is no count to show rather than a count we are unsure about.
Read from daily closes as of 2026-08-21.
An Elliott-wave count describes the swings already printed and the level that would disprove it. It is not a forecast, a target, or advice.
Screens: Trading above the 200-day moving average · Broke down to a new 20-day low · beating the market · Stretched far above its 200-day average (6+ daily ranges) · At the bottom of its 14-day range (stochastic below 20) · Under water since its last earnings report (below the anchored VWAP) | Learn: moving average · golden cross · adx · rsi · breakout
Based on daily closing prices as of 2026-08-21. Describes past price behavior only — informational, not financial advice.
Analyst consensus
- Consensus ratingHold (2.97 mean, 1=Strong Buy…5=Strong Sell) — 24 analysts
- Mean price target$360.33 range $262.00 – $430.00; median $359.50
Analyst estimates, as of 2026-08-17. These are third-party analyst opinions and price targets, aggregated — not a recommendation, prediction, or advice from stocks-llm. Informational only.
Analyst EPS estimate for TRV
- Consensus EPS estimate$6.81 next reporting period, as of 2026-08-17
Change over time is not available yet: it needs two readings of the same reporting period at least 30 days apart, and we have been recording these estimates since 2026-08-04. An estimate for a DIFFERENT quarter is not a revision, so a reading from before the last report is never compared with one after it.
The consensus estimate for the next reporting period, and how it has moved between readings of that SAME period. A change is measured only between readings estimating one period — when a company reports, the consensus moves to the next quarter and the two numbers are not comparable. Informational only, not a forecast and not advice.
Key risks (from latest filing)
["Exposure to catastrophic losses from natural disasters and severe weather events that could significantly impact underwriting results and claims expenses","Competitive pressure and pricing pressure in the P&C insurance market, which could impact premium growth and underwriting margins","Interest rate fluctuations and credit risk in its large investment portfolio ($103+ billion), which could adversely affect net investment income and market values of fixed income securities"]
What changed in the latest 10-Q
AI-assisted comparison of TRV's 10-Q filed 2026-07-17 against the prior one filed 2026-04-16.
Management's Discussion & Analysis (MD&A)
- Added:
- 2026 Second Quarter results added: Net income of $2.21 billion, diluted EPS of $10.26, combined ratio of 83.6% (filed 2026-07-17)
- Six months ended June 30, 2026 comparative data added across all financial metrics (filed 2026-07-17)
- Consolidated Results of Operations table expanded to include six months ended June 30 2026 and 2025 comparisons (filed 2026-07-17)
- Discussion of six-month period performance added, including 119% increase in diluted EPS and 106% increase in net income (filed 2026-07-17)
- Second quarter segment performance details added for Business Insurance, Bond & Specialty Insurance, and Personal Insurance (filed 2026-07-17)
- Bond & Specialty Insurance earned premiums increase of 3% noted for both Q2 and six-month periods (filed 2026-07-17)
- Personal Insurance earned premiums decrease of 5% in Q2 and 4% in six months added (filed 2026-07-17)
- Removed:
- 2026 First Quarter Consolidated Results of Operations section removed (was in filed 2026-04-16)
- 2026 First Quarter Consolidated Financial Condition section removed (was in filed 2026-04-16)
- First quarter specific metrics removed: Net income of $1.71 billion, diluted EPS of $7.78, combined ratio of 88.6% (was in filed 2026-04-16)
- Three months ended March 31 consolidated results table removed (was in filed 2026-04-16)
- First quarter overview discussion removed (was in filed 2026-04-16)
- First quarter earned premiums discussion removed showing $10.61 billion (was in filed 2026-04-16)
- Reworded:
- Period reference changed from 'three months ended March 31, 2026' to 'three months ended June 30, 2026' and six-month comparisons added (filed 2026-07-17)
- Overview discussion reframed to focus on Q2 2026 vs Q2 2025 and six months 2026 vs six months 2025 instead of Q1 2026 vs Q1 2025 (filed 2026-07-17)
- Catastrophe losses comparison updated: Q2 2026 $518 million vs Q2 2025 $927 million (previously Q1 2026 $761 million vs Q1 2025 $2.27 billion) (filed 2026-07-17)
- Prior year reserve development comparison updated: Q2 2026 $578 million vs Q2 2025 $315 million (previously Q1 2026 $413 million vs Q1 2025 $378 million) (filed 2026-07-17)
- Underlying underwriting margin drivers changed: Q2 2026 'driven by Personal Insurance and Business Insurance, partially offset by Bond & Specialty Insurance' vs Q1 2026 'driven by Business Insurance and Bond & Specialty Insurance, partially offset by Personal Insurance' (filed 2026-07-17)
- Six-month period shows lower underlying underwriting margins 'driven by Business Insurance and Bond & Specialty Insurance, partially offset by Personal Insurance' (filed 2026-07-17)
- Notes:
- The newer filing (2026-07-17) covers Q2 2026 reporting period while the older filing (2026-04-16) covers Q1 2026 reporting period; these are sequential quarterly reports rather than revisions of the same period
- Text comparison is limited as the provided excerpts are truncated and the 'Net Investment Income' section in the newer filing is incomplete
Risk Factors
The two filings could not be meaningfully compared for this section.
AI-assisted comparison of two SEC filing sections. It describes wording and theme changes only, makes no materiality, legal, or investment judgement, and is not financial advice. Informational only — not financial advice.
Insider activity (SEC Form 4)
0 open-market purchases and 12 open-market sales by insiders in the last 90 days.
- Last 90 days0 buys · 12 sells ($21M) — 8 selling insiders
- Last 180 days0 buys · 24 sells ($34M) — 11 selling insiders
Activity heuristic: net selling (a transparent product heuristic from the counts above, not a prediction or advice)
Most recent open-market transaction: 2026-07-24. As of 2026-08-25.
View full insider trading history → View SEC Form 3/4/5 filingsAsk about TRV's insider activity →
Only open-market purchases (SEC code P) and sales (code S) are counted here. Option exercises, vesting/awards, gifts, and shares withheld for taxes are excluded — they are compensation or mechanical, not open-market conviction. Sales may be planned and non-discretionary (e.g. a Rule 10b5-1 plan) and are not necessarily bearish; open-market buying is not a recommendation to buy. Informational only — not financial advice.
Congressional trading disclosures
U.S. House members publicly disclose their own, their spouse's, and dependent children's stock transactions under the STOCK Act. We hold 3 matched disclosures for TRV from U.S. House Clerk Periodic Transaction Report filings.
Congressional trading disclosures →Institutional ownership (13F)
5 institutional 13F filers reported holding TRV as of 2026-03-31 (quarter-end position, filed within 45 days).
- Distinct 13F filers 5
- Reported shares held 50,115,045
- Reported value $14,617,555,966
reported quarterly holdings change (2025-12-31 → 2026-03-31): 0 new, 2 increased, 3 decreased, 0 exited. Change counts cover only managers that filed 13F reports in BOTH quarters, derived between two quarter-end snapshots — not same-day trades; a single manager is never said to have "bought" or "sold".
Institutional holdings are quarter-end long positions reported on SEC Form 13F-HR, filed up to 45 days after the quarter ends — they are delayed, are not real-time trades, exclude short positions and most non-US securities, and are not investment advice. Any increase/decrease is a reported change between two quarterly snapshots, not a same-day purchase or sale. These are quarter-end snapshots from the 13F filings on SEC EDGAR, filed within 45 days — not real-time, and any change is a difference between two quarterly reports, not a same-day trade. Informational only — not financial advice.
Short interest (FINRA)
TRV had 7,439,548 shares of reported short interest as of the 2026-07-31 FINRA settlement date (delayed, bi-monthly; not real-time).
TRV had 3.57% of its shares outstanding sold short as of the 2026-07-31 FINRA settlement date (percent of FLOAT would be higher — float is not disclosed in the source). FINRA reported 2.93 days to cover at the same settlement.
- Reported short interest (shares) 7,439,548
- Short interest (% of shares outstanding) 3.57%
- Prior settlement (shares) 6,552,038
- Reported change 13.55%
- Days to cover (reported) 2.93
Reported to FINRA as of the 2026-07-31 settlement date. Short interest is reported to FINRA and published on a delayed, bi-monthly schedule (as of a settlement date, disseminated roughly eight business days later) — it is NOT real-time, does not cover every venue or all US trading, and is not a short-squeeze prediction or investment advice. Days-to-cover is the value FINRA reports; percent of float is not shown because the source file carries no share-count denominator — where a percent appears it is of shares OUTSTANDING, the larger base, and is therefore a floor on percent of float. Informational only — not financial advice.
Competitors & peers
- State Farm
- Allstate (ALL)
- American International Group (AIG)
- Hartford Financial Services (HIG)
- Cincinnati Financial (CINF)
- Hanover Insurance
- Progressive (PGR)
AI-enriched competitor set. Linked names are companies covered by stocks-llm; other named peers are shown for reference only.
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Frequently asked questions
What does Travelers Companies (The) (TRV) do?
The Travelers Companies is a property and casualty (P&C) insurance holding company that provides commercial and personal insurance products, including auto, home, specialty, and workers' compensation coverage, along with managed services and risk management solutions. The company generates revenue from insurance premiums, net investment income from its substantial investment portfolio, and fee income.
What sector is Travelers Companies (The) (TRV) in?
Travelers Companies (The) (TRV) is classified in the Financials sector. Its industry is Property and Casualty Insurance. It trades on NYSE.
Does TRV pay a dividend?
Yes — Travelers Companies (The) (TRV) pays a dividend, with an indicated yield of about 2.25% and at least 5 years of non-decreasing per-share dividends (SEC EDGAR XBRL) — we do not hold the year before it, so the real streak may be longer (market data, as of 2026-08-24). Informational only — not financial advice.
Who are Travelers Companies (The)'s (TRV) competitors?
Notable peers of Travelers Companies (The) (TRV) include State Farm, Allstate, American International Group, Hartford Financial Services and Cincinnati Financial. This peer set is informational only — not financial advice.
Has there been recent Congressional stock trading in TRV?
Yes — we hold 3 matched STOCK Act disclosures for TRV from U.S. House Clerk Periodic Transaction Report filings. These are legally-required disclosures (often filed 30–45 days after the trade), may belong to a U.S. House member, their spouse, or a dependent child, and are not an indicator of company performance or investment advice.
Is Travelers Companies (The) (TRV) overbought or oversold right now?
Travelers Companies (The) (TRV) is currently neither overbought nor oversold — its 14-day RSI (a 0–100 momentum gauge) is 48, in the neutral middle (as of 2026-08-21). RSI describes recent price momentum, not a forecast — informational only, not financial advice.
Where does stocks-llm's data on TRV come from?
Fundamentals and prices come from market data, as of 2026-08-24; company filings and profile facts come from SEC EDGAR. All figures are delayed daily-close data shown with their as-of date — informational only, not financial advice.
Fundamentals: market data, as of 2026-08-24. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-08-21.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date.