The Travelers (BSP:TRVC34) Combined Ratio %: 0.00% (As of . 20)

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BSP:TRVC34 The Travelers Companies Inc BSP:TRVC34
65 GF Score
Price R$59.88
GF Value R$44.20
Valuation Significantly Overvalued
! 7 Warning Signs
View Full Analysis

What is The Travelers Combined Ratio %?

The Travelers BSP:TRVC34 +1.84% 65 Combined Ratio % is 0.00% as of . 20. GuruFocus rates BSP:TRVC34 with a GF Score™ of 65/100 and a GF Value™ of R$44.20 (Significantly Overvalued). The stock has 7 warning signs investors should review.

Combined Ratio % is a profitability metric of an insurance company to measure its performance in daily operations. It measures the money flowing out of an insurance company in the form of dividends, expenses, and losses.

The historical rank and industry rank for The Travelers's Combined Ratio % or its related term are showing as below:

BSP:TRVC34's Combined Ratio % is not ranked *
in the Insurance industry.
Industry Median:
* Ranked among companies with meaningful Combined Ratio % only.

The Travelers  (BSP:TRVC34) Combined Ratio % Explanation

Combined Ratio % measures the money flowing out of an insurance company in the form of dividends, expenses and losses. A ratio below 100 percent suggests that the company is making an underwriting profit, while a ratio above 100 percent means that it paid more in the claim than it received. However, a ratio above 100 percent does not necessarily mean the company is losing money because the investment income is not included in the calculation.

Compared to Claims Ratio % and Expense Ratio %, the combined ratio is most important because it provides a comprehensive measure of an insurer's profitability.

The Travelers Combined Ratio % Related Terms

The Travelers Combined Ratio % Historical Data

* Premium members only.

The historical data trend for The Travelers's Combined Ratio % can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

The Travelers Combined Ratio % Chart


BSP:TRVC34
65GF Score
The Travelers Companies Inc BSP:TRVC34
Combined Ratio % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

The Travelers  (BSP:TRVC34) Combined Ratio % Calculation

Combined Ratio % is calculated as:

Combined Ratio %=( Incurred Losses + Expenses ) / Earned Premium * 100%

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Frequently Asked Questions
What does a Combined Ratio % of 0.00% mean?
The Travelers (BSP:TRVC34) has a Combined Ratio % of 0.00% as of . 20. Combined Ratio measures the money flowing out of an insurance company in the form of dividends, expenses, and losses. View historical data on The Travelers and its competitors.
Is The Travelers' Combined Ratio % too high?
The Travelers' current Combined Ratio % is 0.00%. Overall, The Travelers has a GF Score™ of 65/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does The Travelers' Combined Ratio % compare to ALL and PGR?
The Travelers' Combined Ratio % of 0.00% can be compared against companies in the Insurance industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Combined Ratio % for an Insurance company?
A good Combined Ratio % depends on the Insurance industry context. However, Combined Ratio % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Combined Ratio % mean?
A high Combined Ratio % can signal that a stock is expensive relative to its fundamentals. Combined Ratio measures the money flowing out of an insurance company in the form of dividends, expenses, and losses. View historical data on The Travelers and its competitors. The Travelers's current Combined Ratio % is 0.00%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is The Travelers stock overvalued right now?
Based on GuruFocus' analysis, The Travelers (BSP:TRVC34) is currently considered Significantly Overvalued. The stock's GF Value™ is R$44.20, compared to a current price of R$59.88 — trading 35.5% above its estimated fair value. The current Combined Ratio % is 0.00%. The Travelers' overall GF Score™ is 65/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Combined Ratio % calculated?
Combined Ratio % is calculated from a company's financial statements. For The Travelers (BSP:TRVC34), the current Combined Ratio % is 0.00% as of . 20. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is The Travelers (BSP:TRVC34) Overvalued in 2026?

Based on GuruFocus' analysis, The Travelers stock appears to be overvalued. The current stock price of R$59.88 is trading 35.5% above its estimated GF Value™ of R$44.20. GuruFocus considers The Travelers to be Significantly Overvalued.

Key valuation signals for BSP:TRVC34:

  • Combined Ratio %: 0.00%
  • GF Value™: R$44.20 vs. price of R$59.88 (35.5% above fair value)
  • GF Score™: 65/100 with 7 warning signs

No single metric tells the full story. See the BSP:TRVC34 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

The Travelers Business Description

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.
65GF Score

Get the complete analysis for BSP:TRVC34

Combined Ratio % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

R$59.88
Price
R$44.20
GF Value