The Travelers Companies Inc (TRV) Fair Value & Analysis
Financial Services · US · Market cap $71.8B · ISIN US89417E1091
What is The Travelers Companies Inc really worth?
The Travelers Companies Inc
TRV · US
A solid business, but trading 36% above our fair value of $274.42.
Strengths
Risks
For context
Fair value as of: Aug 30, 2026
From 4 valuation models · updated 6 days ago
Share price −0.7% over the past month.
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
What matters now
- The price sits above even our optimistic bull case ($343.03). The favourable scenario is already priced in.
- Solid but not exceptional quality (57/100) and above fair value, neither a clear bargain nor a standout compounder.
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 30, 2026.
How to read this chart
60‑month range $131.36 – $397.22 · fair‑value band $205.82 – $343.03 · the $374.34 price screens above the $274.42 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Aug 30, 2026.
Analysis
The Travelers Companies Inc (TRV) currently trades at $374.34, while our model-based Fair Value estimate is $274.42, implying the stock looks roughly 36.4% overvalued today. The Quality Score stands at 57/100 (solid quality), in the Financial Services sector. Bull case: the Economic Profit group reads highest at a median of $254.68 per share, and 1 of the 4 models we run sit above the $374.34 price. Bear case: the Asset-Based group reads lowest at $103.64, and 3 of the 4 models stay below the price. Evidence for this calculation is high.
Over the trailing twelve months, The Travelers Companies Inc generated revenue of $48.9B at a net margin of 15.5%. Revenue grew 1.0% year over year. It earns a return on equity of 25.3%. Net debt stands at $8.6B. Fundamentals as of Aug 30, 2026
Our scenario range runs from $205.82 (bear case) to $343.03 (bull case); at $374.34, the current price sits above that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades near its 52-week high and 52% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at −3% fair-value upside, at −27%, TRV screens richer than that median.
Fair Value models
This estimate rests on fiscal year 2025 figures, and about 8 months have passed since. In that time the company retained roughly $20.38 per share, which is 7.4 % of the fair value. The fair value deliberately does not add this in: the models value reported figures, not a projection.
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted, family-balanced blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small. Every input is real reported data, nothing guessed.
All 4 models by family
Widest divergence: Economic Profit ($254.68) versus Asset-Based ($103.64). Highest evidence: Residual Income (64).
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Aug 30, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 57 · Market factors (momentum, volatility) 84
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
All values are scores from 0 to 100 (100 = best against fixed, research-based bands), not percentages. The three market factors (momentum, 52-week proximity, low volatility) are displayed but carry zero weight in the headline number: market sentiment is not a business property.
About the company
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, Canada, and internationally.
Full company description
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, Canada, and internationally. It 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, commercial property and automobile, onshore and offshore energy, construction, terrorism, personal accident, and kidnap and ransom insurance products. This segment operates through select accounts, which serve small businesses; middle accounts that serve mid-sized businesses; national accounts, which serve large companies; and national property and others 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. The Travelers Companies, Inc. was founded in 1853 and is based in New York, New York.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
The Travelers Companies Inc reported revenue of $48.8B in FY2025 versus $34.8B in FY2021, a compound +8.8%/yr. Reported net income was $6.3B in FY2025, compounding +14.5%/yr from FY2021.
of which total revenue +5.9 % · buybacks/dilution +3.6 %
Annual growth per factor. These are factors, not summands: multiplied they give the EPS growth rate, added they do not quite. Start and end points are 3-year averages (details on hover).
TRV screens 36% overvalued. Compare with The Progressive Corporation →
Recent news
External third-party headlines (Yahoo Finance, Reuters and others), not an editorial selection.
- Is The Travelers Companies (TRV) a Great Value Stock Right Now?
- The Zacks Analyst Blog Highlights Archer-Daniels-Midland, Travelers Companies, Virtu Financial, Paycom Software and The Allstate
- Travelers Institute Announces Fall 2026 Wednesdays with Woodward® Webinar Schedule
Peer Group
Insurance - Property & Casualty · 117 stocks
How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.
Valuation Multiples vs Insurance - Property & Casualty median · lower = cheaper
Strength profile in five axes (Snowflake)
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
VALUE 0: the price sits above our fair-value range.
Insider activity: 42/100
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Insurance - Property & Casualty stocks, each showing price versus our Fair Value estimate (as of Aug 30, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| The Progressive Corporation PGR | $217.65 | $160.25 | −26% |
| Chubb Limited CB | $338.31 | $234.73 | −31% |
| The Allstate Corporation ALL | $260.58 | $316.11 | +21% |
| The People's Insurance Company 601319 | ¥7.14 | ¥11.61 | +63% |
| PICC Property and Casualty Company 2328 | HK$15.25 | HK$22.27 | +46% |
| Intact Financial Corporation IFC | C$274.14 | C$167.46 | −39% |
| Fairfax Financial Holdings FFH | C$2,281 | C$2,926 | +28% |
| QBE Insurance Group QBE | A$22.62 | A$14.20 | −37% |
| Cincinnati Financial Corporation CINF | $171.97 | $166.34 | −3% |
| W. R. Berkley Corporation WRB | $69.50 | $47.08 | −32% |
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