#45Financials· Property & Casualty Insurance

TRVStrong Buy

The Travelers Companies

$299.76USD

Composite Score62.7Strong

−10

Margin of safety−10%Fair value

Fair value$273.40

Target$493.56

Loss chance37%

Price (1y)

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Fair price check

4 different valuation methods each estimate what TRV should be worth, then we compare to today's price.

Near fair value

Models suggest TRV is priced roughly in line

Today's price

$299.76

Median fair price

$273.40

-9% vs today

Of 4 methods:1 say cheap1 say fair2 say pricey

P/E multiplesUndervalued
thinks it's a bargain — estimates $493.56, about 65% above today
P/B multiplesFair
thinks it's fairly priced — estimates $301.77, about 1% above today
Graham (defensive)Overvalued
thinks it's expensive — estimates $245.03, about 18% below today
Residual IncomeOvervalued
thinks it's expensive — estimates $171.83, about 43% below today

How to read this: “Cheap” = method's fair price is at least 20% above today. “Fair” = within ±10–20%. “Pricey” = at least 10% below today. Outliers (values more than 5× or less than 0.2× today's price) are excluded.

Fair price ensemble

Median fair

$273.40

Margin of safety

-9.6%

Max (ex-outliers)

$493.56

Tangible BVPS

$129.77

Method	Value
Graham (defensive)	$245.03
P/E multiples(vs sector peers)	$493.56
P/B multiples(vs sector peers)	$301.77
EV/EBITDA	skipped
Residual Income	$171.83
DCF (2-stage)	skipped

Median of all applicable methods (current price $299.76). Outliers above 5× or below 0.2× current price are excluded from the max but kept in the median. See methodology for the 6-method ensemble + 7 defenses.

Pillar breakdown

8 dimensions, each scored 0–100 against the universe

Financials median (n=75)

Quality
Profit margins & asset efficiency
63
Decent
Value
Price vs fundamentals
62
Decent
Growth
Revenue & earnings trajectory
71
Strong
Momentum
Recent price strength
64
Decent
Health
Balance sheet & solvency
56
Decent
Profitability
ROE, ROA, ROIC
51
Decent
Technical
Trend & volatility signals
52
Decent
Risk
Volatility & drawdown profile
81
Strong

0305070100

Strong (70+)Decent (50–70)Weak (30–50)Poor (<30)

Pillars not shown: Sentiment, ML (Phase 5+).

Raw fundamentals (SEC EDGAR)

Metric	Value
Market cap	$63.74B
Revenue (TTM)	$48.94B
Net income (TTM)	$7.60B
Operating cash flow (TTM)	$11.44B
CapEx (TTM)	N/A
Free cash flow (TTM)CFO − CapEx	N/A
Total assets	$142.31B
Total liabilities	$110.32B
Stockholders' equity	$31.99B
Cash & equivalents	$615.00M
Shares outstanding	212.64M
EPS (basic)	$7.89
EPS (diluted)	$7.78
P/E ratio (TTM)	8.38

TTM = trailing twelve months. Balance sheet items are point-in-time (latest filing).

Data quality

Latest filed date: 2026-04-16
Latest period end: 2026-04-09
Filing lag: 30 days
Missing metrics: 13(capex, free_cash_flow, gross_profit, operating_income, cost_of_revenue, research_and_development, current_assets, current_liabilities, inventory, accounts_receivable, accounts_payable, ebitda, property_plant_equipment)

Phase 3c — composite is the 8-pillar weighted score over quality, value, growth, momentum, health, profitability, technical, and risk. Sentiment + ML pillars land in Phases 5-6; until then their weight redistributes pro-rata. Fair price is the median of 6 valuation methods (Graham, P/E / P/B / EV-EBITDA multiples, RIM, DCF) with outliers above 5× current price excluded from the max. Risk-overlay flags annotate only — they suppress the entered-top-5 badge but do not modify the composite.