The TravelersWBO:TRV +0.21%75 Net Margin % is 14.35% as of Mar. 2026, which is 71% above its 10-year median of 8.38. GuruFocus rates WBO:TRV with a GF Score™ of 75/100 and a GF Value™ of €236.58 (Modestly Overvalued). The stock has 7 warning signs investors should review. Among 501 Insurance companies, The Travelers ranks better than 75.05% on this metric.
Net margin is calculated as Net Income divided by its Revenue. The Travelers's Net Income for the
three
months ended in Mar. 2026 was €1,480 Mil. The Travelers's Revenue for the
three
months ended in Mar. 2026 was €10,314 Mil. Therefore, The Travelers's net margin for the quarter that ended in Mar. 2026 was 14.35%.
The historical rank and industry rank for The Travelers's Net Margin % or its related term are showing as below:
WBO:TRV'
s Net Margin % Range Over the Past 10 Years
Min: 7.11 Med: 8.38 Max: 15.54
Current: 15.54
WBO:TRV's Net Margin % is ranked better than 75.05% of 501
companies
in the Insurance industry
Industry Median: 9.29
vs WBO:TRV: 15.54
The Travelers (WBO:TRV) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
The Travelers Net Margin % Related Terms
The Travelers Net Margin % Historical Data
* Premium members only.
The historical data trend for The Travelers's Net Margin % 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.
WBO:TRV vs ALL, CINF, WRB: Net Margin % Comparison
For the Insurance - Property & Casualty subindustry, The Travelers's Net Margin %, along with its competitors' market caps and Net Margin % 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 Net Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, The Travelers's Net Margin % distribution charts can be found below:
* The bar in red indicates where The Travelers's Net Margin % falls into.
* 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 (WBO:TRV) has a Net Margin % of 14.35% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on The Travelers and its competitors. This is 71% above median its historical median of 8.38. Over the past decade, The Travelers' Net Margin % has ranged from 7.11 to 15.54. According to the industry distribution chart, The Travelers ranks #125 out of 501 companies in the Insurance industry, placing it in the top 25%.
Is The Travelers' Net Margin % too high?
The Travelers' current Net Margin % of 14.35% is 71% above median its 10-year median of 8.38. Over the past 10 years, this metric has ranged from a low of 7.11 to a high of 15.54. The Insurance industry median Net Margin % is 9.29. The Travelers' value of 14.35% is 54.5% above this industry median. Based on the distribution chart, The Travelers ranks #125 out of 501 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 75/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does The Travelers' Net Margin % compare to ALL and CINF?
According to the Insurance industry distribution chart, The Travelers ranks #125 out of 501 companies for Net Margin %. This places The Travelers in the top 25% of its industry — outperforming the majority of peers. The industry median Net Margin % is 9.29. The Travelers' value of 14.35% is 54.5% above this benchmark. Historically, The Travelers' own Net Margin % has ranged from 7.11 to 15.54 over the past decade. While the company's 10-year median is 8.38 vs. the industry median of 9.29, The Travelers has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Margin % for an Insurance company?
The median Net Margin % among Insurance companies is 9.29, based on 501 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. The Travelers's current Net Margin % of 14.35% is 54.5% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on The Travelers and its competitors. For the Insurance industry, the median Net Margin % is 9.29 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. The Travelers's current Net Margin % is 14.35%, which is 71% above median its own 10-year median of 8.38. 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 €236.58, compared to a current price of €284.80 — trading 20.4% above its estimated fair value. The current Net Margin % is 14.35%, which is 71% above median its 10-year median of 8.38 and 54.5% above the Insurance industry median of 9.29. The Travelers' overall GF Score™ is 75/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For The Travelers (WBO:TRV), the current Net Margin % is 14.35% as of Mar. 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 €284.80 is trading 20.4% above its estimated GF Value™ of €236.58.
GuruFocus considers The Travelers to be Modestly Overvalued.
Key valuation signals for WBO:TRV:
Net Margin %: 14.35% (71% above median its 10-year median of 8.38)
GF Value™: €236.58 vs. price of €284.80 (20.4% above fair value)
Industry Position: 54.5% above the Insurance median (#125 of 501)
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.
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.
75GF Score
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