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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 7/10

vs
industry
vs
history
Cash to Debt 0.06
TRV's Cash to Debt is ranked higher than
54% of the 218 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.17 vs. TRV: 0.06 )
TRV' s 10-Year Cash to Debt Range
Min: 0.03   Max: 0.17
Current: 0.06

0.03
0.17
Equity to Asset 0.24
TRV's Equity to Asset is ranked higher than
69% of the 217 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.26 vs. TRV: 0.24 )
TRV' s 10-Year Equity to Asset Range
Min: 0.13   Max: 0.25
Current: 0.24

0.13
0.25
Interest Coverage 13.70
TRV's Interest Coverage is ranked higher than
66% of the 177 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 22.74 vs. TRV: 13.70 )
TRV' s 10-Year Interest Coverage Range
Min: 3.5   Max: 18.67
Current: 13.7

3.5
18.67
F-Score: 6
Z-Score: 1.04
WACC vs ROIC
8.46%
13.69%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 8/10

vs
industry
vs
history
Operating margin (%) 18.74
TRV's Operating margin (%) is ranked higher than
88% of the 218 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 12.37 vs. TRV: 18.74 )
TRV' s 10-Year Operating margin (%) Range
Min: 5.24   Max: 24.11
Current: 18.74

5.24
24.11
Net-margin (%) 13.59
TRV's Net-margin (%) is ranked higher than
86% of the 218 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.39 vs. TRV: 13.59 )
TRV' s 10-Year Net-margin (%) Range
Min: -0.19   Max: 17.68
Current: 13.59

-0.19
17.68
ROE (%) 14.67
TRV's ROE (%) is ranked higher than
85% of the 217 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.79 vs. TRV: 14.67 )
TRV' s 10-Year ROE (%) Range
Min: -0.26   Max: 18.95
Current: 14.67

-0.26
18.95
ROA (%) 3.55
TRV's ROA (%) is ranked higher than
77% of the 218 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 3.49 vs. TRV: 3.55 )
TRV' s 10-Year ROA (%) Range
Min: -0.06   Max: 3.99
Current: 3.55

-0.06
3.99
Revenue Growth (3Y)(%) 10.40
TRV's Revenue Growth (3Y)(%) is ranked higher than
80% of the 189 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 7.50 vs. TRV: 10.40 )
TRV' s 10-Year Revenue Growth (3Y)(%) Range
Min: -7.7   Max: 15
Current: 10.4

-7.7
15
EBITDA Growth (3Y)(%) 13.10
TRV's EBITDA Growth (3Y)(%) is ranked higher than
93% of the 180 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.60 vs. TRV: 13.10 )
TRV' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0   Max: 15
Current: 13.1

0
15
EPS Growth (3Y)(%) 13.70
TRV's EPS Growth (3Y)(%) is ranked higher than
93% of the 172 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 13.00 vs. TRV: 13.70 )
TRV' s 10-Year EPS Growth (3Y)(%) Range
Min: -44.2   Max: 78.3
Current: 13.7

-44.2
78.3
» TRV's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q1 2014

TRV Guru Trades in Q1 2014

John Buckingham 13,533 sh (New)
Jim Simons 106,271 sh (New)
Steven Cohen 47,444 sh (New)
Tom Gayner 61,000 sh (New)
Ray Dalio 18,780 sh (New)
Paul Tudor Jones 9,400 sh (+213.33%)
Mason Hawkins 9,734,635 sh (+1.16%)
David Dreman 2,477 sh (+0.77%)
John Keeley 3,700 sh (unchged)
Jeff Auxier 88,426 sh (-0.16%)
Bill Frels 649,156 sh (-1.1%)
James Barrow 927,210 sh (-2.76%)
Dodge & Cox 267,050 sh (-4.95%)
Pioneer Investments 937,561 sh (-12.68%)
Joel Greenblatt 2,561 sh (-33.5%)
Jeremy Grantham 113,970 sh (-36.95%)
» More
Q2 2014

TRV Guru Trades in Q2 2014

Ken Fisher 2,424 sh (New)
Tom Gayner 170,000 sh (+178.69%)
David Dreman 3,400 sh (+37.26%)
John Buckingham 13,984 sh (+3.33%)
Joel Greenblatt 2,566 sh (+0.2%)
Jeff Auxier 88,426 sh (unchged)
Jim Simons Sold Out
Ray Dalio Sold Out
Pioneer Investments 931,696 sh (-0.63%)
James Barrow 918,810 sh (-0.91%)
Bill Frels 639,802 sh (-1.44%)
Mason Hawkins 9,266,741 sh (-4.81%)
Dodge & Cox 247,350 sh (-7.38%)
John Keeley 3,200 sh (-13.51%)
Jeremy Grantham 73,408 sh (-35.59%)
Paul Tudor Jones 2,900 sh (-69.15%)
» More
Q3 2014

TRV Guru Trades in Q3 2014

Ruane Cunniff 2,262 sh (New)
Ray Dalio 6,780 sh (New)
Robert Olstein 38,000 sh (New)
Steven Cohen 101,600 sh (New)
Jeremy Grantham 107,800 sh (+46.85%)
Joel Greenblatt 3,647 sh (+42.13%)
Tom Gayner 214,000 sh (+25.88%)
John Buckingham 14,583 sh (+4.28%)
John Keeley 3,200 sh (unchged)
Pioneer Investments 915,822 sh (unchged)
Paul Tudor Jones Sold Out
Ken Fisher Sold Out
Jeff Auxier 88,368 sh (-0.07%)
Bill Frels 637,071 sh (-0.43%)
James Barrow 911,160 sh (-0.83%)
Mason Hawkins 9,037,948 sh (-2.47%)
Dodge & Cox 240,340 sh (-2.83%)
David Dreman 3,276 sh (-3.65%)
» More
Q4 2014

TRV Guru Trades in Q4 2014

Ken Fisher 2,716 sh (New)
Paul Tudor Jones 5,636 sh (New)
Robert Olstein 56,000 sh (+47.37%)
Pioneer Investments 1,061,538 sh (+15.91%)
Tom Gayner 244,000 sh (+14.02%)
Joel Greenblatt 3,723 sh (+2.08%)
John Buckingham 14,677 sh (+0.64%)
Bill Frels 637,197 sh (+0.02%)
John Keeley 3,200 sh (unchged)
Ray Dalio Sold Out
Steven Cohen Sold Out
Ruane Cunniff Sold Out
Jeff Auxier 87,821 sh (-0.62%)
James Barrow 900,942 sh (-1.12%)
Dodge & Cox 233,380 sh (-2.9%)
David Dreman 3,036 sh (-7.33%)
Jeremy Grantham 87,000 sh (-19.29%)
Mason Hawkins 3,677,258 sh (-59.31%)
» More
» Details

Insider Trades

Latest Guru Trades with TRV

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
Mason Hawkins 2014-12-31 Reduce -59.31%2.73%$91.81 - $106.95 $ 107.97%3677258
Robert Olstein 2014-12-31 Add 47.37%0.23%$91.81 - $106.95 $ 107.97%56000
Ray Dalio 2014-12-31 Sold Out 0.01%$91.81 - $106.95 $ 107.97%0
Ruane Cunniff 2014-12-31 Sold Out $91.81 - $106.95 $ 107.97%0
Ken Fisher 2014-12-31 New Buy$91.81 - $106.95 $ 107.97%2716
Robert Olstein 2014-09-30 New Buy0.46%$89.12 - $95.95 $ 107.916%38000
Tom Gayner 2014-09-30 Add 25.88%0.12%$89.12 - $95.95 $ 107.916%214000
Mason Hawkins 2014-09-30 Reduce -2.47%0.11%$89.12 - $95.95 $ 107.916%9037948
Ray Dalio 2014-09-30 New Buy0.01%$89.12 - $95.95 $ 107.916%6780
Ruane Cunniff 2014-09-30 New Buy$89.12 - $95.95 $ 107.916%2262
Joel Greenblatt 2014-09-30 Add 42.13%$89.12 - $95.95 $ 107.916%3647
Ken Fisher 2014-09-30 Sold Out $89.12 - $95.95 $ 107.916%0
Tom Gayner 2014-06-30 Add 178.69%0.29%$84.39 - $95.6 $ 107.918%170000
Mason Hawkins 2014-06-30 Reduce -4.81%0.22%$84.39 - $95.6 $ 107.918%9266741
David Dreman 2014-06-30 Add 37.26%0.01%$84.39 - $95.6 $ 107.918%3400
Ray Dalio 2014-06-30 Sold Out 0.01%$84.39 - $95.6 $ 107.918%0
Ken Fisher 2014-06-30 New Buy$84.39 - $95.6 $ 107.918%2424
Tom Gayner 2014-03-31 New Buy0.16%$80.26 - $90.54 $ 107.928%61000
Ray Dalio 2014-03-31 New Buy0.01%$80.26 - $90.54 $ 107.928%18780
Joel Greenblatt 2014-03-31 Reduce -33.5%$80.26 - $90.54 $ 107.928%2561
Premium More recent guru trades are included for Premium Members only!!
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Top Ranked Articles about Travelers Companies Inc

Morning Coffee: S&P Stocks with Buybacks and Earnings Increases
This morning I performed a scan of the S&P 500 with the GuruFocus All-In-One Guru Screener to find stocks that have a history of share buybacks and growth. A company’s stock can increase at a faster rate if its increase in earnings and revenue is combined with a reduction in share count. I used the following criteria in the screen: Read more...

Ratios

vs
industry
vs
history
P/E(ttm) 10.50
TRV's P/E(ttm) is ranked higher than
89% of the 223 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 13.70 vs. TRV: 10.50 )
TRV' s 10-Year P/E(ttm) Range
Min: 6   Max: 46.35
Current: 10.5

6
46.35
Forward P/E 11.07
TRV's Forward P/E is ranked higher than
90% of the 223 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 13.30 vs. TRV: 11.07 )
N/A
PE(NRI) 10.40
TRV's PE(NRI) is ranked higher than
89% of the 223 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 13.50 vs. TRV: 10.40 )
TRV' s 10-Year PE(NRI) Range
Min: 5.98   Max: 23.46
Current: 10.4

5.98
23.46
P/B 1.40
TRV's P/B is ranked higher than
72% of the 223 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.39 vs. TRV: 1.40 )
TRV' s 10-Year P/B Range
Min: 0.72   Max: 1.49
Current: 1.4

0.72
1.49
P/S 1.40
TRV's P/S is ranked higher than
72% of the 223 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.23 vs. TRV: 1.40 )
TRV' s 10-Year P/S Range
Min: 0.75   Max: 1.59
Current: 1.4

0.75
1.59
POCF 9.18
TRV's POCF is ranked higher than
74% of the 223 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.95 vs. TRV: 9.18 )
TRV' s 10-Year POCF Range
Min: 3.72   Max: 11.94
Current: 9.18

3.72
11.94
EV-to-EBIT 7.03
TRV's EV-to-EBIT is ranked higher than
87% of the 223 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.45 vs. TRV: 7.03 )
TRV' s 10-Year EV-to-EBIT Range
Min: 4.5   Max: 28.4
Current: 7.03

4.5
28.4
PEG 1.11
TRV's PEG is ranked higher than
90% of the 223 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.00 vs. TRV: 1.11 )
TRV' s 10-Year PEG Range
Min: 0.12   Max: 36.57
Current: 1.11

0.12
36.57
Shiller P/E 14.80
TRV's Shiller P/E is ranked higher than
90% of the 223 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 20.31 vs. TRV: 14.80 )
TRV' s 10-Year Shiller P/E Range
Min: 6.98   Max: 22.42
Current: 14.8

6.98
22.42
Days Sales Outstanding 143.25
TRV's Days Sales Outstanding is ranked higher than
73% of the 223 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 161.64 vs. TRV: 143.25 )
TRV' s 10-Year Days Sales Outstanding Range
Min: 61.64   Max: 196.5
Current: 143.25

61.64
196.5

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.00
TRV's Dividend Yield is ranked lower than
64% of the 181 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.57 vs. TRV: 2.00 )
TRV' s 10-Year Dividend Yield Range
Min: 1.83   Max: 3.87
Current: 2

1.83
3.87
Dividend Payout 0.20
TRV's Dividend Payout is ranked higher than
95% of the 223 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.50 vs. TRV: 0.20 )
TRV' s 10-Year Dividend Payout Range
Min: 0.12   Max: 1.58
Current: 0.2

0.12
1.58
Dividend growth (3y) 11.60
TRV's Dividend growth (3y) is ranked higher than
85% of the 157 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.10 vs. TRV: 11.60 )
TRV' s 10-Year Dividend growth (3y) Range
Min: -7.8   Max: 13.3
Current: 11.6

-7.8
13.3
Yield on cost (5-Year) 3.42
TRV's Yield on cost (5-Year) is ranked higher than
50% of the 183 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 3.46 vs. TRV: 3.42 )
TRV' s 10-Year Yield on cost (5-Year) Range
Min: 3.13   Max: 6.61
Current: 3.42

3.13
6.61
Share Buyback Rate 8.10
TRV's Share Buyback Rate is ranked higher than
95% of the 176 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: -0.20 vs. TRV: 8.10 )
TRV' s 10-Year Share Buyback Rate Range
Min: 11.8   Max: -36.4
Current: 8.1

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.71
TRV's Price/Tangible Book is ranked higher than
74% of the 223 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.75 vs. TRV: 1.71 )
TRV' s 10-Year Price/Tangible Book Range
Min: 0.85   Max: 1.95
Current: 1.71

0.85
1.95
Price/DCF (Projected) 1.80
TRV's Price/DCF (Projected) is ranked higher than
66% of the 223 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.09 vs. TRV: 1.80 )
TRV' s 10-Year Price/DCF (Projected) Range
Min: 0.58   Max: 4.7
Current: 1.8

0.58
4.7
Price/Median PS Value 1.19
TRV's Price/Median PS Value is ranked higher than
78% of the 223 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.19 vs. TRV: 1.19 )
TRV' s 10-Year Price/Median PS Value Range
Min: 0.59   Max: 1.4
Current: 1.19

0.59
1.4
Price/Peter Lynch Fair Value 0.86
TRV's Price/Peter Lynch Fair Value is ranked higher than
93% of the 223 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.00 vs. TRV: 0.86 )
TRV' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.29   Max: 11.56
Current: 0.86

0.29
11.56
Price/Graham Number 0.85
TRV's Price/Graham Number is ranked higher than
82% of the 223 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.03 vs. TRV: 0.85 )
TRV' s 10-Year Price/Graham Number Range
Min: 0.43   Max: 5.5
Current: 0.85

0.43
5.5
Earnings Yield (Greenblatt) 14.30
TRV's Earnings Yield (Greenblatt) is ranked higher than
87% of the 216 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.60 vs. TRV: 14.30 )
TRV' s 10-Year Earnings Yield (Greenblatt) Range
Min: 3.5   Max: 22.2
Current: 14.3

3.5
22.2
Forward Rate of Return (Yacktman) 12.15
TRV's Forward Rate of Return (Yacktman) is ranked higher than
80% of the 162 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.17 vs. TRV: 12.15 )
TRV' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -8.2   Max: 86.5
Current: 12.15

-8.2
86.5

Business Description

Industry: Insurance - Property & Casualty » Insurance - Property & Casualty
Compare:RLI, MBI, QBIEY, TKOMY, ALL » details
Traded in other countries:PA9.Germany, TRV.Mexico, TRVV.Argentina, TRV.Chile,
Travelers Companies is a holding company principally engaged. It provides commercial and personal property and casualty insurance products and services to businesses, government units, associations and individuals. The Company is organized into three reportable business segments: Business Insurance; Financial, Professional & International Insurance; and Personal Insurance. The Business Insurance segment offers an array of property and casualty insurance and insurance-related services to its clients primarily in the United States. Business Insurance is organized into the six groups, which comprises of Select Accounts, Commercial Accounts, National Accounts, Industry-Focused Underwriting, Target Risk Underwriting, and Specialized Distribution. Business Insurance also includes the Special Liability Group, which manages the Company's asbestos and environmental liabilities, and the assumed reinsurance and certain international and other runoff operations. The Financial, Professional & International Insurance segment includes surety and financial liability coverages, which use credit-based underwriting processes, as well as property and casualty products that are marketed on a domestic basis in the United Kingdom, Canada and the Republic of Ireland, and on an international basis through Lloyd's. The segment includes the following groups: Bond & Financial Products; and International. Personal Insurance segment writes property and casualty insurance covering individuals' personal risks. The coverages in Personal Insurance are automobile and homeowners insurance sold to individuals. The Company markets its insurance products through the independent agents and brokers. The property and casualty insurance industry is competitive in the areas of price, service, product offerings, agent relationships and method of distribution. Distribution methods include the use of independent agents, exclusive agents, direct marketing and/or salaried employees. The Company competes with both domestic and foreign insurers, a number of which are experiencing financial difficulties. The Company's insurance subsidiaries are subject to state laws and regulations regarding rate and policy form approvals.
» More Articles for TRV

Headlines

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