The TravelersWBO:TRV +0.21%71 ROA % is 4.82% as of Mar. 2026, which is 95% above its 10-year median of 2.47. GuruFocus rates WBO:TRV with a GF Score™ of 71/100 and a GF Value™ of €230.51 (Modestly Overvalued). The stock has 7 warning signs investors should review. Among 511 Insurance companies, The Travelers ranks better than 77.69% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. The Travelers's annualizedNet Income for the quarter that ended in Mar. 2026 was €5,920 Mil.
The Travelers's average Total Assets over the quarter that ended in Mar. 2026 was €122,912 Mil. Therefore, The Travelers's annualized ROA % for the quarter that ended in Mar. 2026 was 4.82%.
The historical rank and industry rank for The Travelers's ROA % or its related term are showing as below:
WBO:TRV'
s ROA % Range Over the Past 10 Years
Min: 2.02 Med: 2.47 Max: 5.4
Current: 5.4
During the past 13 years, The Travelers's highest ROA % was 5.40%. The lowest was 2.02%. And the median was 2.47%.
WBO:TRV's ROA % is ranked better than 77.69% of 511
companies
in the Insurance industry
Industry Median: 2.73
vs WBO:TRV: 5.40
The Travelers (WBO:TRV) ROA % Explanation
ROA % measures the rate of return on the total assets (shareholder equity plus liabilities). It measures a firm's efficiency at generating profits from shareholders' equity plus its liabilities. ROA % shows how well a company uses what it has to generate earnings. ROA %s can vary drastically across industries. Therefore, ROA % should not be used to compare companies in different industries. For retailers, a ROA % of higher than 5% is expected. For example, Wal-Mart (WMT) has a ROA % of about 8% as of 2012. For banks, ROA % is close to their interest spread. A banks ROA % is typically well under 2%.
Similar to ROE, ROA % is affected by profit margins and asset turnover. This can be seen from the Du Pont Formula:
Note:
The Net Income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue data.
* 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.
Be Aware
Like ROE, ROA % is calculated with only 12 months data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. ROA % can be affected by events such as stock buyback or issuance, and by goodwill, a company's tax rate and its interest payment. ROA % may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high ROA % may indicate vulnerability in the durability of the competitive advantage.
E.g. Raising $43b to take on KO is impossible, but $1.7b to take on Moody's is. Although Moody's ROA % and underlying economics is far superior to Coca Cola, the durability is far weaker because of lower entry cost.
The Travelers ROA % Related Terms
The Travelers ROA % Historical Data
* Premium members only.
The historical data trend for The Travelers's ROA % 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.
For the Insurance - Property & Casualty subindustry, The Travelers's ROA %, along with its competitors' market caps and ROA % 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 ROA % vs Insurance Industry
For the Insurance industry and Financial Services sector, The Travelers's ROA % distribution charts can be found below:
* The bar in red indicates where The Travelers's ROA % 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.
In the calculation of annual ROA %, the net income of the last fiscal year and the average total assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Mar. 2026) net income data.
ROA % is displayed in the 30-year financial page.
The Travelers (WBO:TRV) has a ROA % of 4.82% as of Mar. 2026. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on The Travelers and its competitors. This is 95% above median its historical median of 2.47. Over the past decade, The Travelers' ROA % has ranged from 2.02 to 5.40. According to the industry distribution chart, The Travelers ranks #114 out of 511 companies in the Insurance industry, placing it in the top 22.3%.
Is The Travelers' ROA % too high?
The Travelers' current ROA % of 4.82% is 95% above median its 10-year median of 2.47. Over the past 10 years, this metric has ranged from a low of 2.02 to a high of 5.40. The Insurance industry median ROA % is 2.73. The Travelers' value of 4.82% is 76.6% above this industry median. Based on the distribution chart, The Travelers ranks #114 out of 511 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 71/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does The Travelers' ROA % compare to ALL and CINF?
According to the Insurance industry distribution chart, The Travelers ranks #114 out of 511 companies for ROA %. This places The Travelers in the top 22% of its industry — outperforming the majority of peers. The industry median ROA % is 2.73. The Travelers' value of 4.82% is 76.6% above this benchmark. Historically, The Travelers' own ROA % has ranged from 2.02 to 5.40 over the past decade. While the company's 10-year median is 2.47 vs. the industry median of 2.73, 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 ROA % for an Insurance company?
The median ROA % among Insurance companies is 2.73, based on 511 companies in the industry. Companies in the top quartile (top 25%) have a ROA % significantly above this median, while those in the bottom quartile fall well below. However, ROA % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. The Travelers's current ROA % of 4.82% is 76.6% 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 ROA % mean?
A high ROA % can signal that a stock is expensive relative to its fundamentals. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on The Travelers and its competitors. For the Insurance industry, the median ROA % is 2.73 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. The Travelers's current ROA % is 4.82%, which is 95% above median its own 10-year median of 2.47. 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 €230.51, compared to a current price of €284.80 — trading 23.6% above its estimated fair value. The current ROA % is 4.82%, which is 95% above median its 10-year median of 2.47 and 76.6% above the Insurance industry median of 2.73. The Travelers' overall GF Score™ is 71/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROA % calculated?
ROA % is calculated from a company's financial statements. For The Travelers (WBO:TRV), the current ROA % is 4.82% 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 23.6% above its estimated GF Value™ of €230.51.
GuruFocus considers The Travelers to be Modestly Overvalued.
Key valuation signals for WBO:TRV:
ROA %: 4.82% (95% above median its 10-year median of 2.47)
GF Value™: €230.51 vs. price of €284.80 (23.6% above fair value)
Industry Position: 76.6% above the Insurance median (#114 of 511)
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.
71GF Score
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