Travelers (TRV) Stock Analysis
NYQ · Financial Services · Insurance - Property & Casualty
$363.20
+0.16 (+0.05%)
TRV Interactive Price Chart & Trading Signals
TRV Stock Snapshot — Valuation, Risk & Technical Signals
TRV Key Fundamentals, Analyst Targets & Company Profile
Key Financial Ratios
Market Cap
$75.76B
P/E Ratio
9.76
Forward P/E
12.00
PEG Ratio
2.36
P/B Ratio
2.29
EPS
$37.21
Dividend Yield
1.38%
52W Range
$252.26 – $398.70
Beta
0.45
Volume
0.1M
ROE
26.5%
Profit Margin
17.0%
Revenue Growth
0.3%
Gross Margin
34.7%
EV/EBITDA
6.95
Analyst Target
$360.71
The trailing price-to-earnings ratio stands at 9.8x. Forward P/E of 12.0x suggests earnings compression ahead. Price-to-book is 2.29x. EV/EBITDA sits at 6.95x. Market capitalization is $75.76B. Revenue is growing at 0.3% on a trailing basis. Earnings are expanding at 57.1%. Profit margins are 17.0%. Return on equity is 26.5%. Beta of 0.45 indicates defensive profile.
Analyst Consensus
Recommendation
Hold
Low Target
$262.00
Mean Target
$360.71
High Target
$430.00
Based on 24 analysts
About Travelers
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.
TRV Deep Dive Analysis
Bottom Line
Verdict
UndervaluedBest for
Value-oriented investorsWatch out for
None flaggedNon-zero inputs
4/5Counts non-zero values for price, P/E, beta, macro risk, and revenue growth; zero may mean unavailable or be a genuine zero.
The Travelers Companies, Inc. (TRV) trades below our multi-model fair value estimate of $448.09 by approximately 23.4%. Trailing P/E: 9.8x. Profitability signals include profit margin of 17.0% and return on equity of 26.5%. Recent growth metrics show revenue growth of 0.3% and earnings growth of 57.1%. Risk profile: defensive beta of 0.45. Consensus: hold.
Valuation, Growth & Risk
Valuation
Undervalued
P/E 9.8x
Price sits below our estimate of fair value.
Growth
Stable
Rev 0.3%
Revenue is moving sideways.
Risk
Low
Beta 0.45
Movement is likely to track the broader market.
Valuation Snapshot
The Travelers Companies, Inc. (TRV) trades below our multi-model fair value estimate of $448.09 by approximately 23.4%. The trailing price-to-earnings ratio stands at 9.8x. Forward P/E of 12.0x implies earnings expansion expected. Price-to-sales is 1.5x. Price-to-book is 2.3x. EV/EBITDA sits at 6.9x. Market capitalization is $75.76B.
Why it matters: Buying below fair value can create a margin of safety, but always check earnings quality.
Growth & Profitability
Revenue is growing at 0.3% on a trailing basis. Earnings are expanding at 57.1%. Profit margins are 17.0%. Return on equity is 26.5%. Return on assets is 4.8%.
Why it matters: Stable revenue is fine, but watch for margin pressure that could limit profit growth.
Risk Profile
Beta of 0.45 indicates defensive profile. Net debt position is $4.01B.
Why it matters: Lower risk means steadier returns, but often with less upside in bull markets.
Analyst Context
Analyst consensus target of $360.71 implies 0.7% downside. Target range spans $262.00 to $430.00. 24 analysts cover the stock. Consensus recommendation: hold.
Why it matters: Analyst targets reflect what professionals expect over 12 months. A wide gap between price and target can mean the market disagrees with the consensus.
Investor Fit
The combination of undervaluation and moderate risk may suit value-oriented investors. Free cash flow yield of 14.0% is attractive for cash-flow-focused investors.
Takeaway: Match the stock's risk-reward profile with your own goals and time horizon. No single metric tells the whole story.
Data Methodology & Sources
Market Data (Facts)
- Price, volume, and market cap: Yahoo Finance (may be delayed)
- P/E, EPS, revenue, and debt: Yahoo Finance fundamentals
- Analyst estimates: Yahoo Finance (coverage and update times vary)
- Insider transactions: Yahoo Finance (reporting may be delayed)
QuantSoar Model (Derived)
- Fair value: available outputs from seven models; outliers are filtered using MAD (k=3.5), then combined with fixed model weights.
- Margin of Safety = (Fair Value − Displayed Price) / Displayed Price × 100
- Composite Score: 40% Value + 30% Momentum + 30% Risk
- Verdict Gauge: Base 50 + Valuation (up to ±25) + Whale sentiment (up to ±10) + Insider buying (+5) + Macro risk (up to ±10) + Technical signal (up to ±10). Analyst consensus is separate.
Model outputs are estimates based on available data and are not investment advice. Cross-check with primary sources before making investment decisions.
TRV Undervalued
The Travelers Companies, Inc. (TRV) trades below our multi-model fair value estimate of $448.09 by approximately 23.4%.
Frequently Asked Questions
ValuationIs TRV stock overvalued right now?
ValuationWhat is TRV fair value based on current fundamentals?
RiskHow risky is TRV compared with other stocks?
GrowthIs TRV still growing?
AnalystWhat do analysts think about TRV?
DividendDoes TRV pay a dividend?
CatalystWhat could change the investment case for TRV?
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About the Author
Phasakorn Traklang (Peach) — Founder
Phasakorn Traklang (Peach) is the founder of QuantSoar, bringing expertise in SEO, web development, and technical analytics to build an AI-powered investment platform accessible to retail investors worldwide.
Connect on LinkedInInvestment Disclaimer: Tax treatment can depend on tax residence, account type, and tax year. This information is general and is not personal tax or investment advice. SEC
Data: Yahoo Finance / SEC EDGAR / Alpha Vantage / Finnhub. AI outputs verified against source data.