Travelers offers a broad product range and participates in both commercial and personal insurance lines. Its commercial operations offer a variety of coverage types for companies of any size but concentrate on serving midsize businesses. Its personal lines are roughly evenly split between auto and homeowners insurance. Travelers derives 6% of its premiums from foreign markets.

Financial Strength

5/10

Name	Current	Vs Industry
Cash-To-Debt	0.08
Equity-to-Asset	0.2
Debt-to-Equity	0.32
Debt-to-EBITDA	1.64
Interest Coverage	10.88
Piotroski F-Score	7/9	0 1 2 3 4 5 6 7 8 9
Beneish M-Score	-2.61	Manipulator Not Manipulator
WACC vs ROIC		WACC ROIC

Growth Rank

8/10

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	12.4
	3-Year EBITDA Growth Rate	3.9
	3-Year EPS without NRI Growth Rate	7.7
	3-Year FCF Growth Rate	9.1
	3-Year Book Growth Rate	-1.9
	Future 3-5Y EPS without NRI Growth Rate	15.95
	Future 3-5Y Total Revenue Growth Rate	6.36

Momentum Rank

6/10

	Name	Current	Vs Industry		Vs History
	9-Day RSI	100
	14-Day RSI	100
	6-1 Month Momentum %	18.34
	12-1 Month Momentum %	18.34

Liquidity Ratio

	Name	Current	Vs Industry		Vs History

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	Dividend Payout Ratio	0.3
	3-Year Dividend Growth Rate	5.3
	3-Year Average Share Buyback Ratio	3.3
	Shareholder Yield %	2.26

Profitability Rank

7/10

	Name	Current	Vs Industry		Vs History
	Net Margin %	7.32
	FCF Margin %	19.02
	ROE %	13.67
	ROA %	2.56
	ROIC %	2.92
	Years of Profitability over Past 10-Year	10

GF Value Rank

6/10

	Name	Current	Vs Industry		Vs History
	PE Ratio	15.9
	Forward PE Ratio	11.65
	PE Ratio without NRI	15.87
	Shiller PE Ratio	16.72
	PEG Ratio	2.83
	PS Ratio	1.15
	PB Ratio	1.96
	Price-to-Tangible-Book	2.4
	Price-to-Free-Cash-Flow	6.06
	Price-to-Operating-Cash-Flow	6.06
	EV-to-EBIT	13.39
	EV-to-EBITDA	11.44
	EV-to-Revenue	1.31
	EV-to-Forward-Revenue	1.25
	EV-to-FCF	6.91
	Price-to-Projected-FCF	0.55
	Price-to-Median-PS-Value	0.93
	Price-to-Peter-Lynch-Fair-Value	2.91
	Price-to-Graham-Number	1.3
	Earnings Yield (Greenblatt) %	7.47
	FCF Yield %	16.69
	Forward Rate of Return (Yacktman) %	18.02

GF Value: $184.2

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