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The Travelers Companies

TRV
65
Insurance - Property & Casualty · Financial Services
Also trades as: 0R03.L GBP 4.00 (-1.78%)
Price
$398.28
-7.16 (-1.77%)
Market Cap
$83.07B
Winston Score
65
Winston is curious
A decent business — some strong pillars, some weaker.
Data as of Oct 24, 2026 · filings through Sep 30, 2026

§How the score breaks down

Quality
Strong
22/30
Growth
Strong
15/20
Cash Flow
Exceptional
10/10
Stability
Exceptional
9/10
Valuation
Good
5/10
Ownership
Weak
2/15
Dividends
Mixed
2/5

65 of 100 counted points = Winston Score 65.

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Share count falling — buybacks

−9.3% over 4y

The company has reduced its share count over this period, returning value to shareholders through buybacks.

Diluted shares outstanding: 250.8M (2021) → 227.6M (2025)

§Winston Score History

The full picture

Travelers is one of the largest property and casualty insurance companies in the United States. It sells insurance policies that protect people and businesses from financial losses caused by accidents, fires, lawsuits, and natural disasters. Its main products include auto insurance, home insurance, and commercial insurance for businesses, and it serves both individual consumers and large corporations across many industries.

Travelers makes money by collecting premiums from policyholders and investing that money until claims need to be paid. It operates primarily in the United States, with some business in Canada and the United Kingdom, and generates roughly $40 billion in annual revenue. Its competitive advantage comes from its scale, long claims history, and strong relationships with independent insurance agents who sell its policies. The biggest risk the company faces is a rise in large catastrophe events — like hurricanes or wildfires — which can cause claims to spike sharply and compress profitability in a short period of time.

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Growth Profile

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

-0.5% YoY

YoY Growth Rate

Revenue declining

Reported EPS Growth

+9.9% YoY

Quarterly reporting periods ended:

30 Sept 2025: $8.37

30 Sept 2026: $9.20

Reported/statutory EPS, not adjusted or underlying earnings. One-off items can affect this figure. Provider rounding can affect the growth rate.

YoY Growth Rate

Reported EPS increased year over year

R&D Spend

$0/ year

0.0% of revenue

Below sector average (7%)

Research and development spending

Insider Activity

0.5%ownership

→ Flat

Insider ownership roughly steady over the past year

Cash Position

Cash flow positive

$101.4B cash & investments

Company generates more cash than it spends — no dilution risk from fundraising

Revenue declining

The Travelers Companies's revenue is actually shrinking. In a growth stock, that removes the core investment thesis. The low Winston Score here may be warranted — unless there's a turnaround story.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

Each metric is explained in plain language so you know exactly what you're looking at. Start your free trial now.

Quality

Profit per sale
Gross Margin
32.8%
Modest — 32.8% gross margin
Profit after running costs
Operating Margin
20.0%
Excellent — 20.0% operating margin
Return on the money invested
ROCE
27.3%
Exceptional — 27.3% return on capital

ROIC above 25%. Every dollar invested in the business earns more than 25 cents back per year.

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Growth

Sales growth
Sales YoY
+1.1%
Nearly flat sales (+1.1% YoY)
Profit growth
EPS YoY
+49.9%
Earnings growing fast (+49.9% YoY)

Earnings growing 25%+ a year. The compounder zone.

How steady the profit is
EPS Consistency
7/8 quarters
Every recent quarter grew earnings vs last year

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Cash Flow

Profit that turns into cash
Cash Conversion
128%
Turns 128% of profit into real cash
Spare cash per sale
FCF Margin
21.8%
Converts sales into free cash efficiently (21.8%)

Free cash flow margin above 20%. Out of every $100 in sales, more than $20 is real cash they keep.

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Stability

What it owes vs what it owns
Debt / Equity
0.34
Conservative — low debt load (0.34)
Covers its interest
Interest Cover
22.87x
Comfortably covers interest (22.9x)

Interest coverage above 8. Profits cover interest many times over.

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Valuation

Price vs profit
P/E Ratio (TTM)
10.3x
Attractive valuation — P/E 10.3

P/E in the normal range. Price is roughly $15 for every $1 of yearly profit.

Cheaper or dearer next year
P/E vs Forward
-0.9
SLOWING
Earnings expected to fall — forward P/E higher than today

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Dividends

Dividend
Dividend Yield
1.34%
Small dividend — 1.34% yield

Modest yield. The bulk of any return needs to come from price appreciation.

Dividend record
Dividend Growth
+9.3%
Dividend growing modestly (9.3% YoY)
Payout Ratio
12%
no trend
Pays out a modest share of profit and keeps the rest to reinvest. Room to keep paying through a weak year.

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