The Travelers Companies Inc

$ 150.2 0.09 (0.06%)
Volume: 263,821 Avg Vol (1m): 1,308,596
Market Cap $: 39.32 Bil Enterprise Value $: 41.93 Bil
P/E (TTM): 15.54 P/B: 1.63
Earnings Power Value 1.13
Net Current Asset Value 0
Tangible Book 75.72
Projected FCF 234.34
Median P/S Value 136.42
Graham Number 128.29
Peter Lynch Value 0
DCF (FCF Based) 0
DCF (Earnings Based) 0
1Y (-%)

Financial Strength : 4/10

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.
Current vs industry vs history
Cash-to-Debt 0.05
Cash-To-Debt ranked lower than
97.73% of 132 companies
in the Insurance - Property & Casualty industry.
Industry Max: 10000, Med: 2.82, Min: 0.01
TRV: 0.05
Ranked among companies with meaningful Cash-To-Debt only.
Cash-To-Debt range over the past 10 years
Min: 0.03, Med: 0.05, Max: 0.17
Current: 0.05
0.03
0.17
Equity-to-Asset 0.23
Equity-to-Asset ranked lower than
56.82% of 132 companies
in the Insurance - Property & Casualty industry.
Industry Max: 0.95, Med: 0.25, Min: 0.03
TRV: 0.23
Ranked among companies with meaningful Equity-to-Asset only.
Equity-to-Asset range over the past 10 years
Min: 0.13, Med: 0.2, Max: 0.25
Current: 0.23
0.13
0.25
Debt-to-Equity 0.29
Debt-to-Equity ranked lower than
61.45% of 83 companies
in the Insurance - Property & Casualty industry.
Industry Max: 15.91, Med: 9999, Min: 0.01
TRV: 0.29
Ranked among companies with meaningful Debt-to-Equity only.
Debt-to-Equity range over the past 10 years
Min: 0.11, Med: 0.24, Max: 0.57
Current: 0.29
0.11
0.57
Debt-to-EBITDA 1.64
Debt-to-EBITDA ranked lower than
52.56% of 78 companies
in the Insurance - Property & Casualty industry.
Industry Max: 36.7, Med: 1.62, Min: 0.03
TRV: 1.64
Ranked among companies with meaningful Debt-to-EBITDA only.
Debt-to-EBITDA range over the past 10 years
Min: 1, Med: 1.21, Max: 2.6
Current: 1.64
1
2.6
Beneish M-Score -2.54
Not Manipulator
Manipulator
WACC vs ROIC %
ROIC 11.66%
WACC 6.84%

Profitability & Growth : 3/10

GuruFocus Profitability Rank ranks how profitable a company is and how likely the company's business will stay that way.
Current vs industry vs history
Net Margin % 8.64
Net Margin ranked higher than
57.14% of 133 companies
in the Insurance - Property & Casualty industry.
Industry Max: 94.29, Med: 6.25, Min: -370.67
TRV: 8.64
Ranked among companies with meaningful Net Margin only.
Net Margin range over the past 10 years
Min: 5.6, Med: 11.86, Max: 14.68
Current: 8.64
5.6
14.68
ROE % 11.41
ROE ranked lower than
50.38% of 133 companies
in the Insurance - Property & Casualty industry.
Industry Max: 55.81, Med: 8.75, Min: -77.05
TRV: 11.41
Ranked among companies with meaningful ROE only.
ROE range over the past 10 years
Min: 5.66, Med: 12.42, Max: 14.77
Current: 11.41
5.66
14.77
ROA % 2.53
ROA ranked lower than
51.13% of 133 companies
in the Insurance - Property & Casualty industry.
Industry Max: 17.69, Med: 2.09, Min: -17.18
TRV: 2.53
Ranked among companies with meaningful ROA only.
ROA range over the past 10 years
Min: 1.36, Med: 3, Max: 3.57
Current: 2.53
1.36
3.57
3-Year Total Revenue Growth Rate 4.10
3-Year Revenue Growth Rate ranked higher than
66.67% of 126 companies
in the Insurance - Property & Casualty industry.
Industry Max: 456.8, Med: 6.3, Min: -30.7
TRV: 9.5
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
3-Year Revenue Growth Rate range over the past 10 years
Min: -16, Med: 6.4, Max: 24.5
Current: 9.5
-16
24.5
3-Year Total EBITDA Growth Rate -11.50
3-Year EBITDA Growth Rate ranked lower than
66.96% of 112 companies
in the Insurance - Property & Casualty industry.
Industry Max: 210.7, Med: 1.7, Min: -149.7
TRV: -6.9
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
3-Year EBITDA Growth Rate range over the past 10 years
Min: 0, Med: 0, Max: 59.6
Current: -6.9
0
59.6
3-Year EPS w/o NRI Growth Rate -5.20
3-Year EPS w/o NRI Growth Rate ranked lower than
70.75% of 106 companies
in the Insurance - Property & Casualty industry.
Industry Max: 431.5, Med: 1.5, Min: -100
TRV: -5.2
Ranked among companies with meaningful 3-Year EPS w/o NRI Growth Rate only.
3-Year EPS w/o NRI Growth Rate range over the past 10 years
Min: 0, Med: -1, Max: 69.8
Current: -5.2
0
69.8

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Financials (Next Earnings Date: 2019-07-23)

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Business Description

Industry Insurance - Property & Casualty » Insurance - Property & Casualty    NAICS : 524126    SIC : 6331
Compare TSE:8766 NYSE:ALL HKSE:01339 NYSE:PGR OHEL:SAMPO HKSE:02328 NAS:CINF NYSE:L NYSE:XL NYSE:MKL TSX:FFH ASX:IAG ASX:SUN NYSE:CNA TSX:IFC ASX:QBE NYSE:WRB NYSE:Y NYSE:CB BSP:SULA11
Traded in other countries TRVV.Argentina TRVC34.Brazil PA9.Germany 0R03.UK
Address 485 Lexington Avenue, New York, NY, USA, 10017
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. Policies are distributed via a network of more than 11,000 brokers and independent agents.

Ratios

Current vs industry vs history
PE Ratio (TTM) 15.54
PE Ratio ranked lower than
62.50% of 112 companies
in the Insurance - Property & Casualty industry.
Industry Max: 1755, Med: 17.27, Min: 2.89
TRV: 15.54
Ranked among companies with meaningful PE Ratio only.
PE Ratio range over the past 10 years
Min: 6.02, Med: 10.49, Max: 20.44
Current: 15.54
6.02
20.44
Forward PE Ratio 13.50
Forward P/E ranked higher than
60.00% of 45 companies
in the Insurance - Property & Casualty industry.
Industry Max: 123.46, Med: 14.79, Min: 7.05
TRV: 13.5
Ranked among companies with meaningful Forward P/E only.
N/A
PE Ratio without NRI 15.54
PE without NRI ranked lower than
61.61% of 112 companies
in the Insurance - Property & Casualty industry.
Industry Max: 1755, Med: 17.6, Min: 2.89
TRV: 15.54
Ranked among companies with meaningful PE without NRI only.
PE without NRI range over the past 10 years
Min: 6.02, Med: 10.49, Max: 20.44
Current: 15.54
6.02
20.44
Price-to-Owner-Earnings 29.21
Price-to-Owner-Earnings ranked lower than
78.57% of 84 companies
in the Insurance - Property & Casualty industry.
Industry Max: 3633.33, Med: 11.52, Min: 2.34
TRV: 29.21
Ranked among companies with meaningful Price-to-Owner-Earnings only.
Price-to-Owner-Earnings range over the past 10 years
Min: 15.17, Med: 24.54, Max: 38.6
Current: 29.21
15.17
38.6
PB Ratio 1.63
PB Ratio ranked lower than
60.90% of 133 companies
in the Insurance - Property & Casualty industry.
Industry Max: 11.38, Med: 1.43, Min: 0.08
TRV: 1.63
Ranked among companies with meaningful PB Ratio only.
PB Ratio range over the past 10 years
Min: 0.72, Med: 1.24, Max: 1.71
Current: 1.63
0.72
1.71
PS Ratio 1.31
PS Ratio ranked lower than
57.89% of 133 companies
in the Insurance - Property & Casualty industry.
Industry Max: 38.05, Med: 1.22, Min: 0.09
TRV: 1.31
Ranked among companies with meaningful PS Ratio only.
PS Ratio range over the past 10 years
Min: 0.75, Med: 1.19, Max: 1.44
Current: 1.31
0.75
1.44
Price-to-Free-Cash-Flow 9.01
Price-to-Free-Cash-Flow ranked higher than
56.82% of 88 companies
in the Insurance - Property & Casualty industry.
Industry Max: 621.88, Med: 12.17, Min: 0.47
TRV: 9.01
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
Price-to-Free-Cash-Flow range over the past 10 years
Min: 4.8, Med: 8.64, Max: 11.95
Current: 9.01
4.8
11.95
Price-to-Operating-Cash-Flow 9.01
Price-to-Operating-Cash-Flow ranked higher than
51.02% of 98 companies
in the Insurance - Property & Casualty industry.
Industry Max: 1058.33, Med: 10.59, Min: 0.46
TRV: 9.01
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
Price-to-Operating-Cash-Flow range over the past 10 years
Min: 4.8, Med: 8.64, Max: 11.95
Current: 9.01
4.8
11.95
EV-to-EBIT 11.97
EV-to-EBIT ranked lower than
50.44% of 113 companies
in the Insurance - Property & Casualty industry.
Industry Max: 322.99, Med: 12.73, Min: 0.38
TRV: 11.97
Ranked among companies with meaningful EV-to-EBIT only.
EV-to-EBIT range over the past 10 years
Min: 4.1, Med: 7.4, Max: 16
Current: 11.97
4.1
16
EV-to-EBITDA 9.74
EV-to-EBITDA ranked higher than
56.90% of 116 companies
in the Insurance - Property & Casualty industry.
Industry Max: 182.88, Med: 11.2, Min: 0.33
TRV: 9.74
Ranked among companies with meaningful EV-to-EBITDA only.
EV-to-EBITDA range over the past 10 years
Min: 3.5, Med: 6.2, Max: 10.9
Current: 9.74
3.5
10.9
EV-to-Revenue 1.37
EV-to-Revenue ranked lower than
59.38% of 128 companies
in the Insurance - Property & Casualty industry.
Industry Max: 27.81, Med: 1.19, Min: 0.01
TRV: 1.37
Ranked among companies with meaningful EV-to-Revenue only.
EV-to-Revenue range over the past 10 years
Min: 0.8, Med: 1.2, Max: 1.5
Current: 1.37
0.8
1.5
Shiller PE Ratio 16.81
Shiller PE Ratio ranked higher than
68.12% of 69 companies
in the Insurance - Property & Casualty industry.
Industry Max: 433.84, Med: 20.4, Min: 7.01
TRV: 16.81
Ranked among companies with meaningful Shiller PE Ratio only.
Shiller PE Ratio range over the past 10 years
Min: 10.2, Med: 14.98, Max: 18.49
Current: 16.81
10.2
18.49

Dividend & Buy Back

Current vs industry vs history
Dividend Yield % 2.09
Trailing Dividend Yield ranked lower than
64.43% of 194 companies
in the Insurance - Property & Casualty industry.
Industry Max: 15.15, Med: 2.98, Min: 0.09
TRV: 2.09
Ranked among companies with meaningful Trailing Dividend Yield only.
Trailing Dividend Yield range over the past 10 years
Min: 1.89, Med: 2.31, Max: 3.87
Current: 2.09
1.89
3.87
Dividend Payout Ratio 0.31
Dividend Payout Ratio ranked higher than
88.81% of 134 companies
in the Insurance - Property & Casualty industry.
Industry Max: 4.8, Med: 0.32, Min: 0.02
TRV: 0.31
Ranked among companies with meaningful Dividend Payout Ratio only.
Dividend Payout Ratio range over the past 10 years
Min: 0.19, Med: 0.24, Max: 0.47
Current: 0.31
0.19
0.47
3-Year Dividend Growth Rate (Per Share) 8.40
3-Year Dividend Growth Rate ranked higher than
54.43% of 79 companies
in the Insurance - Property & Casualty industry.
Industry Max: 128.9, Med: 8.6, Min: -100
TRV: 8.4
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
3-Year Dividend Growth Rate range over the past 10 years
Min: -7.8, Med: 7.3, Max: 13.3
Current: 8.4
-7.8
13.3
Forward Dividend Yield % 2.19
Forward Dividend Yield ranked lower than
69.27% of 192 companies
in the Insurance - Property & Casualty industry.
Industry Max: 17.42, Med: 3.17, Min: 0.09
TRV: 2.19
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield-on-Cost (5-Year) % 3.24
Yield-on-Cost (5y) ranked lower than
73.58% of 193 companies
in the Insurance - Property & Casualty industry.
Industry Max: 112.5, Med: 4.91, Min: 0.09
TRV: 3.24
Ranked among companies with meaningful Yield-on-Cost (5y) only.
Yield-on-Cost (5y) range over the past 10 years
Min: 2.95, Med: 3.6, Max: 6.04
Current: 3.24
2.95
6.04
3-Year Share Buyback Rate 3.80
3-Year Share Buyback Rate ranked higher than
94.25% of 87 companies
in the Insurance - Property & Casualty industry.
Industry Max: 21.9, Med: -0.4, Min: -49.5
TRV: 3.8
Ranked among companies with meaningful 3-Year Share Buyback Rate only.
3-Year Share Buyback Rate range over the past 10 years
Min: -47.7, Med: 2.5, Max: 12.4
Current: 3.8
-47.7
12.4

Valuation & Return

Current vs industry vs history
Price-to-Tangible-Book 1.98
Price-to-Tangible-Book ranked lower than
61.24% of 129 companies
in the Insurance - Property & Casualty industry.
Industry Max: 32.5, Med: 1.7, Min: 0.08
TRV: 1.98
Ranked among companies with meaningful Price-to-Tangible-Book only.
Price-to-Tangible-Book range over the past 10 years
Min: 0.94, Med: 1.5, Max: 2.24
Current: 1.98
0.94
2.24
Price-to-Projected-FCF 0.64
Price-to-Intrinsic-Value-Projected-FCF ranked higher than
71.74% of 92 companies
in the Insurance - Property & Casualty industry.
Industry Max: 12.4, Med: 0.84, Min: 0.06
TRV: 0.64
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
Price-to-Intrinsic-Value-Projected-FCF range over the past 10 years
Min: 0.31, Med: 0.55, Max: 1.5
Current: 0.64
0.31
1.5
Price-to-Median-PS-Value 1.10
Price-to-Median-PS-Value ranked higher than
53.78% of 119 companies
in the Insurance - Property & Casualty industry.
Industry Max: 7.15, Med: 1.18, Min: 0.35
TRV: 1.1
Ranked among companies with meaningful Price-to-Median-PS-Value only.
Price-to-Median-PS-Value range over the past 10 years
Min: 0.43, Med: 0.88, Max: 1.38
Current: 1.1
0.43
1.38
Price-to-Graham-Number 1.17
Price-to-Graham-Number ranked lower than
55.00% of 100 companies
in the Insurance - Property & Casualty industry.
Industry Max: 11.78, Med: 1.17, Min: 0.41
TRV: 1.17
Ranked among companies with meaningful Price-to-Graham-Number only.
Price-to-Graham-Number range over the past 10 years
Min: 0.58, Med: 0.79, Max: 6.67
Current: 1.17
0.58
6.67
Earnings Yield (Joel Greenblatt) % 8.35
Earnings Yield (Greenblatt) ranked higher than
56.82% of 132 companies
in the Insurance - Property & Casualty industry.
Industry Max: 263.16, Med: 6.78, Min: -238.1
TRV: 8.35
Ranked among companies with meaningful Earnings Yield (Greenblatt) only.
Earnings Yield (Greenblatt) range over the past 10 years
Min: 6.3, Med: 13.55, Max: 24.1
Current: 8.35
6.3
24.1
Forward Rate of Return (Yacktman) % 4.38
Forward Rate of Return ranked higher than
57.47% of 87 companies
in the Insurance - Property & Casualty industry.
Industry Max: 333.79, Med: 12.52, Min: -44.7
TRV: 4.38
Ranked among companies with meaningful Forward Rate of Return only.
Forward Rate of Return range over the past 10 years
Min: 4.38, Med: 20.4, Max: 42.8
Current: 4.38
4.38
42.8

More Statistics

Revenue (TTM) (Mil) $ 30,667
EPS (TTM) $ 9.66
Beta 0.86
Volatility % 15.59
52-Week Range $ 111.08 - 150.64
Shares Outstanding (Mil) 261.91

Analyst Estimate

Piotroski F-Score Details