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.

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Revenue 1Y Growth

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Total Assets 1Y Growth

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Weighted Avg. Shares Outstanding 1Y Growth

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Trailing Valuation	Jun '25	Dec '24	Jun '24	Dec '23	Jun '23	Dec '22
Stock Price	267.5	240.9	203.3	190.5	173.7	187.5
Total Shares Outstanding	225.1	226.6	227.9	228.2	228.9	232.1
Market Cap	60,223.3	54,585.7	46,341.2	43,469.8	39,750.8	43,516.4
Total Enterprise Value (TEV)	60,223.3	54,585.7	46,341.2	43,469.8	39,750.8	43,516.4
Dividend Yield	0.8%	0.9%	1%	1.1%	1.1%	1%
Buyback Yield	1.2%	0.7%	0.9%	0.3%	1.9%	2.1%
Debt Paydown Yield	—	—	—	—	-1.9%	—
Shareholder Yield	1.2%	0.7%	0.9%	0.3%	0%	2.1%
P/S	2.5	2.3	2.1	2	2	2.3
P/E	32.5	16.8	28.7	21.9	42.5	35.1
Earnings Yield	3.1%	6%	3.5%	4.6%	2.4%	2.8%
P/OCF	16.3	9.2	14.8	8.4	15.5	11.4
P/FCF	16.3	9.2	14.8	8.4	15.5	11.4
FCF Yield	6.1%	10.9%	6.8%	11.8%	6.4%	8.8%
P/B	2	2	1.9	1.7	1.8	2
EV/Sales	2.5	2.3	2.1	2	2	2.3
EV/EBITDA	9.3	6.6	7.8	6.9	9	8.9
EV/EBIT	23.6	12.5	20.9	16.2	37.5	25.7
EV/OCF	16.3	9.2	14.8	8.4	15.5	11.4
EV/FCF	16.3	9.2	14.8	8.4	15.5	11.4

Dividends	Jun '25	Dec '24	Jun '24	Dec '23	Jun '23	Dec '22
Dividend Yield	0.8%	0.9%	1%	1.1%	1.1%	1%
DPS	2.2	2.1	2.1	2	1.9	1.9
Payout Ratio	25.7%	14.3%	28.5%	22.7%	46.5%	34.5%

Margins	Jun '25	Dec '24	Jun '24	Dec '23	Jun '23	Dec '22
Operating Margin	10.6%	18.2%	9.9%	12.5%	5.4%	8.9%
EBITDA Margin	27.1%	34.6%	26.5%	29.1%	22.3%	25.9%
Net Profit Margin	8%	14%	7.4%	9.4%	4.9%	6.7%
Effective Tax Rate	18.9%	19.5%	18.2%	18.5%	-9.2%	16%
Pre-Tax Profit Margin	9.8%	17.4%	9%	11.6%	4.4%	8%
Free Cash Flow Margin	15.4%	24.8%	13.9%	23.9%	12.9%	20.2%
OCF / Sales	15.4%	24.8%	13.9%	23.9%	12.9%	20.2%
OCF / Net Income	194%	177.7%	189.2%	253.7%	266.5%	300.4%
FCF / OCF	100%	100%	100%	100%	100%	100%
FCF / Net Income	194%	177.7%	189.2%	253.7%	266.5%	300.4%
FCF / EBITDA	57%	71.7%	52.5%	82.1%	57.9%	77.8%

Capital Efficiency	Jun '25	Dec '24	Jun '24	Dec '23	Jun '23	Dec '22
Return on Invested Capital	1.5%	2.7%	1.4%	1.8%	1%	1.2%
Return on Assets	1.5%	2.7%	1.4%	1.8%	1%	1.2%
Return on Equity	6.6%	12.7%	6.7%	8.7%	4.4%	5%
Return on Total Capital	8.1%	13.9%	7.2%	8.9%	4.7%	5.8%
Return on Capital Employed	1.9%	3.4%	1.7%	2.2%	0.9%	1.4%
Return on Tangible Assets	1.4%	2.7%	1.3%	1.7%	0.8%	1.1%
Asset Turnover	0.2	0.2	0.2	0.2	0.2	0.2

Financial Health	Jun '25	Dec '24	Jun '24	Dec '23	Jun '23	Dec '22
Assets to Equity	4.7	4.8	5.2	5.1	5.5	5.4
Intangibles to Total Assets	0	0	0	0	0	0
Net Current Asset Value	-109,355	-105,325	-104,453	-101,057	-98,718	-94,157
Goodwill / Assets	0	0	0	0	0	0
EBIT / Interest Expense	12.9	22.2	11.3	13.7	5.9	9.6
EBITDA / Interest Expense	32.7	42.3	30.5	32	24.6	27.9
(EBITDA - Capex) / Interest Expense	32.7	42.3	30.5	32	24.6	27.9

Per Share	Jun '25	Dec '24	Jun '24	Dec '23	Jun '23	Dec '22
Revenue per Share	104.2	103.8	97.1	93.3	84.9	79.9
Basic EPS	8.4	14.6	7.2	8.8	4.1	5.4
Diluted EPS	8.2	14.4	7.1	8.7	4.1	5.3
Book Value per Share	128.5	120.9	107.3	107.8	93.7	91
Tangible Book Value per Share	108.3	101	87.3	89.4	75.4	73.1
Operating Cash Flow per Share	16.1	25.8	13.5	22.3	11	16.1
Free Cash Flow per Share	16.1	25.8	13.5	22.3	11	16.1
Weighted Avg. Shares Outstanding	226.4	227.2	228.8	228.8	230.6	234.3
Weighted Avg. Shares Outstanding Diluted	229.7	230.4	231.8	231.1	233.3	237