The Travelers Companies, Inc., through its subsidiaries, provides a range of commercial and personal property, and casualty insurance products and services to businesses, government units, associations, and individuals in the United states and internationally. The company operates through three segments: Business Insurance, Bond & Specialty Insurance, and Personal Insurance. The Business Insurance segment offers workers' compensation, commercial automobile and property, general liability, commercial multi-peril, employers' liability, public and product liability, professional indemnity, marine, aviation, onshore and offshore energy, construction, terrorism, personal accident, and kidnap and ransom insurance products. This segment operates through select accounts, which serve small businesses; commercial accounts that serve mid-sized businesses; national accounts, which serve large companies; and national property and other that serve large and mid-sized customers, commercial trucking industry, and agricultural businesses, as well as markets and distributes its products through brokers, wholesale agents, and program managers. The Bond & Specialty Insurance segment provides surety, fidelity, management and professional liability, and other property and casualty coverages and related risk management services through independent agencies and brokers. The Personal Insurance segment offers property and casualty insurance covering personal risks, primarily automobile and homeowners insurance to individuals through independent agencies and brokers. The Travelers Companies, Inc. was founded in 1853 and is based in New York, New York.

The Travelers Companies, Inc.

Premiums

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Premiums Common Size

Net Investment Income

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Fee Income

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Net Realized Investment Gains

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Other Revenues

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Total Revenues

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Claims and Claim Adjustment Expenses

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Amortization of Deferred Acquisition Costs

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General and Administrative Expenses

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Interest Expense

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Income Before Income Taxes

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Net Income

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Basic

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Diluted

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Cash Dividends Declared per Common Share

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Net Premiums Earned

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Investment Income

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Net Gains on Investments

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Total Other Revenues

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Insurance Benefits & Claims

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Policy Amortization Costs

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Other Operating Expenses

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Operating Profit

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Operating Margin

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Total Non-Operating Income

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Income Before Provision for Income Taxes

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Provision for Income Taxes

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Consolidated Net Income

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Net Income Attributable to Common Shareholders

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Basic EPS

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Diluted EPS

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Basic Weighted Average Shares Outstanding

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EBITDA

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Effective Tax Rate

Revenue

EBIT

CapEx

Net Interest Income

Assets

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Net Revenue

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Adjusted Funds From Operations

Income Statement	Sep '25	Jun '25	Mar '25	Dec '24	Sep '24	Jun '24
Net Premiums Earned	43,634	43,203	42,525	41,941	41,046	40,060
Premiums
Investment Income	3,860	3,731	3,674	3,590	3,413	3,278
Net Investment Income
Net Gains on Investments	-83	-55	-126	-30	14	-106
Total Other Revenues	993	959	932	922	869	841
Fee Income
Other Revenues
Total Revenues	48,404	47,838	47,005	46,423	45,342	44,073
Total Revenues %Chg	6.8%	8.5%	9.6%	12.2%	13.1%	13.8%
Insurance Benefits & Claims	27,423	27,825	28,409	27,059	26,905	27,058
Claims and Claim Adjustment Expenses
Policy Amortization Costs	7,236	7,177	7,053	6,973	6,807	6,621
Amortization of Deferred Acquisition Costs
Other Operating Expenses	6,051	5,939	5,872	5,819	5,633	5,485
General and Administrative Expenses
Operating Profit	7,694	6,897	5,671	6,572	5,997	4,909
Interest Expense	-407	-394	-393	-392	-392	-392
Interest Expense
Operating Margin	15.9%	14.4%	12.1%	14.2%	13.2%	11.1%
Total Non-Operating Income	-407	-394	-393	-392	-392	-392
Income Before Provision for Income Taxes	7,287	6,503	5,278	6,180	5,605	4,517
Income Before Income Taxes
Provision for Income Taxes	1,413	1,257	1,007	1,181	1,062	830
Income Tax Expense
Consolidated Net Income	5,874	5,246	4,271	4,999	4,543	3,687
Net Income Attributable to Common Shareholders	5,874	5,246	4,271	4,999	4,543	3,687
Net Income
Basic EPS	25.8	23	18.7	21.8	19.8	16
Diluted EPS	25.4	22.6	18.4	21.5	19.5	15.8
Basic Weighted Average Shares Outstanding	226	226.8	227.5	228	228.4	228.7
Diluted Weighted Average Shares Outstanding	229.5	230.3	230.8	231.1	231.3	231.4
Total Shares Outstanding	223	225.1	226.6	226.6	227	227.9
EBITDA	15,611	14,763	13,431	14,260	13,526	12,247
Effective Tax Rate	19.4%	19.3%	19.1%	19.1%	18.9%	18.4%