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.

Revenue

EBIT

EBITDA

CapEx

Net Interest Income

Assets

Adjusted EBITDA

Gross Profit

Adjusted Net Income

Net Revenue

Net Income

Average Assets

Adjusted EBIT

Adjusted Revenue

Adjusted EBT

Adjusted Funds From Operations

Business Insurance Premiums Segment Income

Business Insurance Premiums Segment Income % Chg.

Bond & Specialty Insurance Premiums Segment Income

Bond & Specialty Insurance Premiums Segment Income % Chg.

Personal Insurance Premiums Segment Income

Personal Insurance Premiums Segment Income % Chg.

Total Adjusted EBIT

Total Adjusted EBIT Common Size

Total Adjusted EBIT % Chg.

Business Insurance Gross Written Premiums

Business Insurance Gross Written Premiums % Chg.

Bond & Specialty Insurance Gross Written Premiums

Bond & Specialty Insurance Gross Written Premiums % Chg.

Personal Insurance Gross Written Premiums

Personal Insurance Gross Written Premiums % Chg.

Total Gross Premiums Written

Total Gross Premiums Written Common Size

Total Gross Premiums Written % Chg.

Gross Premiums Written

Loss & Loss Adjustment Expense Ratio

Loss & Loss Adjustment Expense Ratio % Chg.

Underwriting Expense Ratio

Underwriting Expense Ratio % Chg.

Combined Ratio

Combined Ratio % Chg.

Net Retention Ratio

Net Retention Ratio % Chg.

Key Performance Indicators

Business Insurance Premiums Earned

Business Insurance Premiums Earned % Chg.

Bond & Specialty Insurance Premiums Earned

Bond & Specialty Insurance Premiums Earned % Chg.

Personal Insurance Premiums Earned

Personal Insurance Premiums Earned % Chg.

Total Net Premiums Earned

Total Net Premiums Earned Common Size

Total Net Premiums Earned % Chg.

Net Premiums Earned

Business Insurance Net Written Premiums

Business Insurance Net Written Premiums % Chg.

Bond & Specialty Insurance Net Written Premiums

Bond & Specialty Insurance Net Written Premiums % Chg.

Personal Insurance Net Written Premiums

Personal Insurance Net Written Premiums % Chg.

Total Net Premiums Written

Total Net Premiums Written Common Size

Total Net Premiums Written % Chg.

Net Premiums Written

United States Revenue

United States Revenue % Chg.

United States Revenue Common Size

Canada Revenue

Canada Revenue % Chg.

Canada Revenue Common Size

Other Non-United States Revenue

Other Non-United States Revenue % Chg.

Other Non-United States Revenue Common Size

Total Non-United States Revenue

Total Non-United States Revenue % Chg.

Total Non-United States Revenue Common Size

Total Revenue by Geography

Total Revenue by Geography Common Size

Total Revenue by Geography % Chg.

Revenue by Geography

Premiums Revenue

Premiums Revenue % Chg.

Premiums Revenue Common Size

Net Investment Income

Net Investment Income % Chg.

Net Investment Income Common Size

Fee Income

Fee Income % Chg.

Fee Income Common Size

Net Realized Investment Gains

Net Realized Investment Gains % Chg.

Net Realized Investment Gains Common Size

Other Source Revenue

Other Source Revenue % Chg.

Other Source Revenue Common Size

Total Revenue

Total Revenue Common Size

Total Revenue % Chg.

Business Insurance Revenue

Business Insurance Revenue % Chg.

Business Insurance Revenue Common Size

Bond & Specialty Insurance Revenue

Bond & Specialty Insurance Revenue % Chg.

Bond & Specialty Insurance Revenue Common Size

Personal Insurance Revenue

Personal Insurance Revenue % Chg.

Personal Insurance Revenue Common Size

Other Revenue

Other Revenue % Chg.

Other Revenue Common Size

Gross Premiums Written	LTM	Dec '24	Dec '23
Business Insurance Gross Written Premiums	25,200	24,515	22,569
Bond & Specialty Insurance Gross Written Premiums	4,606	4,519	4,187
Personal Insurance Gross Written Premiums	17,854	17,516	16,216
Total Gross Premiums Written	47,660	46,550	42,972

Net Premiums Written	LTM	Dec '24	Dec '23
Business Insurance Net Written Premiums	22,591	22,080	20,430
Bond & Specialty Insurance Net Written Premiums	4,218	4,109	3,842
Personal Insurance Net Written Premiums	17,464	17,169	15,929
Total Net Premiums Written	44,273	43,358	40,201

Net Premiums Earned	LTM	Dec '24	Dec '23
Business Insurance Premiums Earned	22,253	21,345	19,144
Bond & Specialty Insurance Premiums Earned	4,074	3,958	3,655
Personal Insurance Premiums Earned	17,307	16,638	14,962
Total Net Premiums Earned	43,634	41,941	37,761

Revenue	LTM	Dec '24	Dec '23
Premiums Revenue	43,634	41,941	37,761
Net Investment Income	3,860	3,590	2,922
Fee Income	498	473	433
Net Realized Investment Gains	-83	-30	-105
Other Source Revenue	495	449	353
Total Revenue	48,404	46,423	41,364

Revenue	LTM	Dec '24	Dec '23
Net Realized Investment Gains	-83	-30	-105
Business Insurance Revenue	25,790	24,657	21,861
Bond & Specialty Insurance Revenue	4,531	4,378	4,008
Personal Insurance Revenue	18,166	17,418	15,600
Other Revenue	—	—	—
Total Revenue	48,404	46,423	41,364

Revenue by Geography	LTM	Dec '24	Dec '23
United States Revenue	—	43,924	39,086
Canada Revenue	—	1,359	1,281
Other Non-United States Revenue	—	1,140	997
Total Non-United States Revenue	—	2,499	2,278
Total Revenue by Geography	48,404	46,423	41,364

Adjusted EBIT	LTM	Dec '24	Dec '23
Business Insurance Premiums Segment Income	3,591	3,306	2,583
Bond & Specialty Insurance Premiums Segment Income	942	815	942
Personal Insurance Premiums Segment Income	1,765	1,249	-128
Total Adjusted EBIT	6,298	5,370	3,397

Key Performance Indicators	LTM	Dec '24	Dec '23
Loss & Loss Adjustment Expense Ratio	—	64%	68.9%
Underwriting Expense Ratio	—	28.5%	28.1%
Combined Ratio	—	92.5%	97%
Net Retention Ratio	—	93.1%	93.6%