The Travelers (WBO:TRV) Moat Score: 7/10 (As of Jul. 12, 2026)


WBO:TRV The Travelers Companies Inc WBO:TRV
65 GF Score
Price €294.40
GF Value €229.40
Valuation Modestly Overvalued
! 6 Warning Signs
View Full Analysis

What is The Travelers Moat Score?

The Travelers WBO:TRV +0.03% 65 Moat Score is 7 as of Jul. 12, 2026. GuruFocus rates WBO:TRV with a GF Score™ of 65/100 and a GF Value™ of €229.40 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 596 Insurance companies, The Travelers ranks better than 98.99% on this metric.

The Travelers has the Moat Score of 7, which implies that the company might have Wide Moat - Entry-level wide moat, clearly possessing durable advantages.

The Travelers has Wide Moat: The Travelers Companies Inc has a strong brand, significant market share, and durable cost advantages through economies of scale. It benefits from regulatory barriers and a robust distribution network. Its pricing power and customer loyalty further solidify its wide moat status.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes The Travelers might have Wide Moat - Entry-level wide moat, clearly possessing durable advantages.

The Travelers  (WBO:TRV) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

The Travelers Moat Score Related Terms

WBO:TRV vs ALL, CINF, WRB: Moat Score Comparison

For the Insurance - Property & Casualty subindustry, The Travelers's Moat Score, along with its competitors' market caps and Moat Score data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

The Travelers Moat Score vs Insurance Industry

For the Insurance industry and Financial Services sector, The Travelers's Moat Score distribution charts can be found below:

* The bar in red indicates where The Travelers's Moat Score falls into.


WBO:TRV
65GF Score
The Travelers Companies Inc WBO:TRV
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis
Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 7 mean?
The Travelers (WBO:TRV) has a Moat Score of 7 as of Jul. 12, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, The Travelers ranks #6 out of 596 companies in the Insurance industry, placing it in the top 1%.
Is The Travelers' Moat Score too high?
The Travelers' current Moat Score is 7. Based on the distribution chart, The Travelers ranks #6 out of 596 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, The Travelers has a GF Score™ of 65/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does The Travelers' Moat Score compare to ALL and CINF?
According to the Insurance industry distribution chart, The Travelers ranks #6 out of 596 companies for Moat Score. This places The Travelers in the top 1% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for an Insurance company?
A good Moat Score depends on the Insurance industry context. However, Moat Score 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. The Travelers's current Moat Score is 7. 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 (WBO:TRV) is currently considered Modestly Overvalued. The stock's GF Value™ is €229.40, compared to a current price of €294.40 — trading 28.3% above its estimated fair value. The current Moat Score is 7. The Travelers' overall GF Score™ is 65/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For The Travelers (WBO:TRV), the current Moat Score is 7 as of Jul. 12, 2026. 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 (WBO:TRV) Overvalued in 2026?

Based on GuruFocus' analysis, The Travelers stock appears to be overvalued. The current stock price of €294.40 is trading 28.3% above its estimated GF Value™ of €229.40. GuruFocus considers The Travelers to be Modestly Overvalued.

Key valuation signals for WBO:TRV:

  • Moat Score: 7
  • GF Value™: €229.40 vs. price of €294.40 (28.3% above fair value)
  • GF Score™: 65/100 with 6 warning signs

No single metric tells the full story. See the WBO:TRV 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 WBO:TRV

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

€294.40
Price
€229.40
GF Value