The TravelersSTU:PA9 +2.21%77 OCF Margin % is 18.43% as of Mar. 2026, which is 2% above its 10-year median of 18.08. GuruFocus rates STU:PA9 with a GF Score™ of 77/100 and a GF Value™ of €232.11 (Modestly Overvalued). The stock has 7 warning signs investors should review. Among 502 Insurance companies, The Travelers ranks better than 75.7% on this metric.
The historical rank and industry rank for The Travelers's OCF Margin % or its related term are showing as below:
STU:PA9'
s OCF Margin % Range Over the Past 10 Years
Min: 14.35 Med: 18.08 Max: 21.72
Current: 23.35
During the past 13 years, the highest OCF Margin % of The Travelers was 21.72%. The lowest was 14.35%. And the median was 18.08%.
STU:PA9's OCF Margin % is ranked better than 75.7% of 502
companies
in the Insurance industry
Industry Median: 10.855
vs STU:PA9: 23.35
The Travelers OCF Margin % Related Terms
The Travelers OCF Margin % Historical Data
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The historical data trend for The Travelers's OCF 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.
STU:PA9 vs ALL, CINF, WRB: OCF Margin % Comparison
For the Insurance - Property & Casualty subindustry, The Travelers's OCF Margin %, along with its competitors' market caps and OCF 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 OCF Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, The Travelers's OCF Margin % distribution charts can be found below:
* The bar in red indicates where The Travelers's OCF 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 (STU:PA9) has a OCF Margin % of 18.43% as of Mar. 2026. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on The Travelers and its competitors. This is near median its historical median of 18.08. Over the past decade, The Travelers' OCF Margin % has ranged from 14.35 to 21.72. According to the industry distribution chart, The Travelers ranks #122 out of 502 companies in the Insurance industry, placing it in the top 24.3%.
Is The Travelers' OCF Margin % too high?
The Travelers' current OCF Margin % of 18.43% is near median its 10-year median of 18.08. Over the past 10 years, this metric has ranged from a low of 14.35 to a high of 21.72. The Insurance industry median OCF Margin % is 10.86. The Travelers' value of 18.43% is 69.8% above this industry median. Based on the distribution chart, The Travelers ranks #122 out of 502 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 77/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does The Travelers' OCF Margin % compare to ALL and CINF?
According to the Insurance industry distribution chart, The Travelers ranks #122 out of 502 companies for OCF Margin %. This places The Travelers in the top 24% of its industry — outperforming the majority of peers. The industry median OCF Margin % is 10.86. The Travelers' value of 18.43% is 69.8% above this benchmark. Historically, The Travelers' own OCF Margin % has ranged from 14.35 to 21.72 over the past decade. While the company's 10-year median is 18.08 vs. the industry median of 10.86, 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 OCF Margin % for an Insurance company?
The median OCF Margin % among Insurance companies is 10.86, based on 502 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. The Travelers's current OCF Margin % of 18.43% is 69.8% 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on The Travelers and its competitors. For the Insurance industry, the median OCF Margin % is 10.86 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. The Travelers's current OCF Margin % is 18.43%, which is near median its own 10-year median of 18.08. 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 (STU:PA9) is currently considered Modestly Overvalued. The stock's GF Value™ is €232.11, compared to a current price of €277.50 — trading 19.6% above its estimated fair value. The current OCF Margin % is 18.43%, which is near median its 10-year median of 18.08 and 69.8% above the Insurance industry median of 10.86. The Travelers' overall GF Score™ is 77/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For The Travelers (STU:PA9), the current OCF Margin % is 18.43% 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 (STU:PA9) Overvalued in 2026?
Based on GuruFocus' analysis, The Travelers stock appears to be overvalued.
The current stock price of €277.50 is trading 19.6% above its estimated GF Value™ of €232.11.
GuruFocus considers The Travelers to be Modestly Overvalued.
Key valuation signals for STU:PA9:
OCF Margin %: 18.43% (near median its 10-year median of 18.08)
GF Value™: €232.11 vs. price of €277.50 (19.6% above fair value)
Industry Position: 69.8% above the Insurance median (#122 of 502)
No single metric tells the full story. See the STU:PA9 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.
77GF Score
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OCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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