# The Travelers Companies Inc. (TRV) fundamentals

Data as of 2026-09-08. NYSE, United States. Sector: Financial Services / Insurance. Price $369.35, market value $77.0 billion.

## Valuation
- **P/E (trailing): 9.9×** (5-yr avg 12.1×, 3-yr avg 11.9×). The Travelers Companies Inc. trades at 9.9× trailing earnings, close to its own five-year average of 12.1×. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 12.2×, higher than trailing, so analysts expect earnings to fall.
- **PEG: 0.44**. A PEG of 0.44 means the P/E is low relative to expected earnings growth: the market is not paying much for that growth.
- **Price / sales: 1.6×**. Each dollar of revenue is priced at 1.6×.
- **Price / book: 2.3×**. The shares trade at 2.3× book value; book value is a meaningful part of the valuation.
- **Earnings yield: 10.1%**. The inverse of the P/E: 10.1% of the price is earned each year.

## Profitability
- **Net margin: 12.9%**. 12.9% of each dollar of sales reaches the bottom line.
- **Return on equity: 19.1%**. 19.1% on shareholders' equity is solid.
- **Return on assets: 5.8%**. Each dollar of assets produces 5.8% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): 5.2%** (3-yr 9.8%/yr, 5-yr 8.8%/yr). Revenue grew 5.2% over the last year, against 8.8% a year compounded over five years: growth is slowing.
- **EPS growth (1 yr): 27.8%** (3-yr 32.6%/yr, 5-yr 21.1%/yr). Earnings per share rose 27.8%, faster than revenue, so margins expanded or the share count shrank.

## Financial health
- **Piotroski F-score: 6/9**. 6 of 9 checks pass: mixed.

## Dividends
- **Dividend yield: 1.35%** ($4.55 per share, trailing). The Travelers Companies Inc. yields 1.35%, a modest yield more typical of a growth-oriented payer.
- **Payout ratio: 16%**. 16% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 20**. 20 straight years of increases, a record that survived at least one recession.
- **Dividend growth (5 yr): 5.2%/yr** (1-yr 4.8%). The dividend has grown 5.2% a year over five years.

## Price and momentum
- **Total return (1 yr): 34.3%** (YTD 28.3%, 3-mo 22.3%). The shares are up 34.3% over twelve months including dividends.
- **From 52-week high: -7.4%** (46.4% above the low). Trading 7% below its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 52**. An RSI of 52 is neutral.
- **Beta (1 yr): -0.08** (volatility 21%). Beta of -0.08 against the S&P 500: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=TRV · Page: https://foliofundamentals.com/stocks/trv

Not investment advice.