The Travelers Companies TRV
$395.20 −$7.69 (-1.91%)
Market closed · Nov 6, 8:10 pm ET · Last extended-hours $396.16 +0.24%
Open$394.72
Prev close$402.89
Day range$389.64 – $400.11
Volume1.42M
Market cap$82.43B
P/E (TTM)10.4
Dividend yield1.19%
Fundamentals
Latest reported quarter: Q3, ended Sep 2026
Revenue$12.41B-0.5% YoY
Net profit$1.92B+1.5% YoY
Diluted EPS$9.04+9.7% YoY
Free cash flow$3.88B-8.3% YoY
Operating cash flow$3.88B
Revenue, last 8 quarters
Net profit, last 8 quarters
Diluted EPS by quarter
Free cash flow by quarter
Annual revenue
Profitability & balance sheet
Net margin16.9%
Return on equity27.3%
Return on assets5.8%
Liabilities / assets79.6%
Total debt$9.81B
Free cash flow / sales21.8%
Where the revenue comes from
Quarter 2026/Q2
By business line
Income statement
| Line item | 2026 Q3 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 |
|---|---|---|---|---|---|
| Total Revenue as Reported | $12.41B | $12.15B | $11.92B | $48.83B | $12.43B |
| Total Operating Revenue | $12.41B | $12.15B | $11.92B | $48.83B | $12.43B |
| Total Premiums Earned | $11.10B | $10.75B | $10.61B | $43.91B | $11.15B |
| Fee Revenue and Other Income | $245.00M | $270.00M | $262.00M | $1.00B | $250.00M |
| -Fees and Commissions | $123.00M | $126.00M | $121.00M | $495.00M | $125.00M |
| -Other Income Expense | $122.00M | $144.00M | $141.00M | $508.00M | $125.00M |
| Net Investment Income | $1.10B | $1.06B | $1.01B | $3.96B | $1.05B |
| Net Realized Gain/Loss on Investments | -$34.00M | $69.00M | $52.00M | -$46.00M | -$20.00M |
| Total Expenses | $10.04B | $9.39B | $9.81B | $41.03B | $9.33B |
| Loss Adjustment Expense | $6.49B | $5.92B | $6.38B | $27.22B | $5.83B |
| Policy Acquisition Expense | $1.86B | $1.79B | $1.77B | $7.27B | $1.84B |
| Selling and Admin Expenses | $1.58B | $1.57B | $1.54B | $6.12B | $1.54B |
| -General & Admin Expense | $1.58B | $1.57B | $1.54B | $6.12B | $1.54B |
| Net Non-Operating Interest Income (Expense) | -$118.00M | -$113.00M | -$116.00M | -$425.00M | -$116.00M |
| -Interest Expense Non-Operating | $118.00M | $113.00M | $116.00M | $425.00M | $116.00M |
| Pretax Profit | $2.37B | $2.77B | $2.12B | $7.80B | $3.10B |
| Tax | $452.00M | $559.00M | $408.00M | $1.51B | $607.00M |
| Net Profit | $1.92B | $2.21B | $1.71B | $6.29B | $2.50B |
| Profit from Continuing Operations | $1.92B | $2.21B | $1.71B | $6.29B | $2.50B |
| Net Income to Parent Company | $1.92B | $2.21B | $1.71B | $6.29B | $2.50B |
| Other Preferred Stock Dividends | $13.00M | $15.00M | $12.00M | $46.00M | $19.00M |
| Net Income to Common Stockholders | $1.90B | $2.19B | $1.70B | $6.24B | $2.48B |
| Basic EPS | $9.20 | $10.41 | $7.89 | $27.83 | $11.24 |
| Diluted EPS | $9.04 | $10.26 | $7.78 | $27.43 | $11.06 |
| Dividend Per Share | $1.25 | $1.25 | $1.10 | $4.35 | $1.10 |
| -Net Premiums Written | – | – | – | $44.39B | – |
| -Increase Decrease in Net Unearned Premium Reserves | – | – | – | -$473.00M | – |
| Special Income (Charges) | – | – | – | $0.00 | – |
| -Less:Impairment of Capital Assets | – | – | – | $0.00 | – |
Balance sheet
| Line item | 2026 Q3 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 |
|---|---|---|---|---|---|
| Total Assets | $142.09B | $143.58B | $142.31B | $143.71B | $143.71B |
| Cash and Cash Equivalents | $619.00M | $482.00M | $481.00M | $710.00M | $710.00M |
| Restricted Cash and Cash Equivalents | $147.00M | $139.00M | $134.00M | $132.00M | $132.00M |
| Total Investments | $100.59B | $103.18B | $102.98B | $101.18B | $101.18B |
| -Short Term Investments | $94.93B | $97.50B | $97.40B | $25.46B | $25.46B |
| -Equity Investments | $640.00M | $652.00M | $591.00M | $70.71B | $70.71B |
| -Other Invested Assets | $5.02B | $5.03B | $4.99B | $5.02B | $5.02B |
| Receivables | $23.26B | $23.47B | $22.46B | $21.89B | $21.89B |
| -Accounts Receivable | $23.26B | $23.47B | $22.46B | $21.89B | $21.89B |
| Accrued Investment Income | $860.00M | $911.00M | $801.00M | $877.00M | $877.00M |
| Goodwill and Other Intangible Assets | $4.39B | $4.39B | $4.39B | $4.40B | $4.40B |
| -Goodwill | $4.06B | $4.06B | $4.06B | $4.07B | $4.07B |
| -Other Intangible Assets | $326.00M | $325.00M | $331.00M | $336.00M | $336.00M |
| Prepaid Assets | $1.49B | $1.67B | $1.88B | $1.28B | $1.28B |
| Deferred Policy Acquisition Costs | $3.76B | $3.71B | $3.59B | $3.52B | $3.52B |
| Assets of Discontinued Operations | $0.00 | $0.00 | $0.00 | $4.55B | $4.55B |
| Other Assets | $4.71B | $4.59B | $4.50B | $4.28B | $4.28B |
| Total Liabilities | $113.09B | $110.46B | $110.32B | $110.81B | $110.81B |
| Policy Holders Liabilities | $91.66B | $90.55B | $89.68B | $88.17B | $88.17B |
| Short-Term Debt and Capital Lease Obligation | $100.00M | $100.00M | $300.00M | $300.00M | $300.00M |
| -Current Debt | $100.00M | $100.00M | $300.00M | $300.00M | $300.00M |
| Payables | $3.88B | $4.11B | $4.19B | $3.56B | $3.56B |
| -Accounts Payable | $3.88B | $4.11B | $4.19B | $3.56B | $3.56B |
| Long Term Debt and Capital Lease Obligation | $9.71B | $8.97B | $8.97B | $8.97B | $8.97B |
| -Long Term Debt | $9.71B | $8.97B | $8.97B | $8.97B | $8.97B |
| Other Liabilities | $7.74B | $6.73B | $7.18B | $9.82B | $9.82B |
| Total Equity | $29.00B | $33.12B | $31.99B | $32.89B | $32.89B |
| Stockholders' Equity | $29.00B | $33.12B | $31.99B | $32.89B | $32.89B |
| Capital Stock | $26.31B | $26.19B | $26.09B | $25.91B | $25.91B |
| -Common Stock | $26.31B | $26.19B | $26.09B | $25.91B | $25.91B |
| Retained Earnings | $60.00B | $58.35B | $56.40B | $54.93B | $54.93B |
| Less: Treasury Stock | $50.25B | $48.74B | $47.43B | $45.45B | $45.45B |
| Gains/Losses Not Affecting Retained Earnings | -$7.06B | -$2.67B | -$3.08B | -$2.50B | -$2.50B |
Cash flow
| Line item | 2026 Q3 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 |
|---|---|---|---|---|---|
| Operating Cash Flow | $3.88B | $1.92B | $2.20B | $10.61B | $2.69B |
| Net cash flow from continuing operations | $3.88B | $1.92B | $2.20B | $10.61B | $2.69B |
| Net Income from Continuing Operations | $1.92B | $2.21B | $1.71B | $6.29B | $2.50B |
| Gain/Loss from Continuing Operations | -$38.00M | -$135.00M | -$72.00M | -$178.00M | -$37.00M |
| Deferred Tax | -$59.00M | -$58.00M | $51.00M | $210.00M | -$58.00M |
| Other Non-Cash Items | $661.00M | – | – | $81.00M | $289.00M |
| Change in Working Capital | -$633.00M | -$1.38B | -$1.45B | -$3.74B | -$2.00B |
| -Change in Receivables | $173.00M | -$984.00M | -$542.00M | -$252.00M | $502.00M |
| -Change in Loss and Loss Adjustment Expense Reserves | $903.00M | $319.00M | $1.21B | $3.30B | -$88.00M |
| -Change in Deferred Acquisition Costs | -$1.91B | -$1.91B | -$1.84B | -$7.37B | -$1.76B |
| -Change in Unearned Premiums | $198.00M | $559.00M | $351.00M | $584.00M | -$661.00M |
| Net cash flow from investing | -$2.81B | -$165.00M | -$335.00M | -$7.65B | -$575.00M |
| Net Cash Flow from Continuing Investing Activities | -$2.81B | -$165.00M | -$335.00M | -$7.65B | -$575.00M |
| Net Business Purchase and Sale | $4.00M | $0.00 | $2.38B | $0.00 | $0.00 |
| Net Investment Purchase and Sale | -$2.68B | -$35.00M | -$2.59B | -$7.07B | -$415.00M |
| Net Other Investing Changes | -$130.00M | -$137.00M | -$119.00M | -$533.00M | -$135.00M |
| Financing Cash Flow | -$919.00M | -$1.74B | -$2.09B | -$2.66B | -$1.83B |
| Net Cash Flow from Continuing Financing Activities | -$919.00M | -$1.74B | -$2.09B | -$2.66B | -$1.83B |
| Net Issuance Payments of Debt | $744.00M | – | – | $1.23B | $0.00 |
| Net Common Stock Issuance | -$1.49B | -$1.32B | -$1.93B | -$3.13B | -$1.64B |
| Cash Dividends Paid | -$259.00M | -$263.00M | -$237.00M | -$979.00M | -$242.00M |
| Proceeds from Stock Option Exercised | $88.00M | $38.00M | $86.00M | $214.00M | $51.00M |
| Ending Cash Balance | $766.00M | $621.00M | $615.00M | $842.00M | $842.00M |
| Net Change in Cash | $146.00M | $8.00M | -$222.00M | $291.00M | $282.00M |
| Beginning Cash Balance | $621.00M | $615.00M | $842.00M | $699.00M | $729.00M |
| Effect of Exchange Rate Changes | -$1.00M | -$2.00M | -$5.00M | $23.00M | $2.00M |
| Free Cash Flow | $3.88B | $1.92B | $2.20B | $10.61B | $2.69B |
| -Change in Other Working Capital | – | – | -$634.00M | – | – |
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