#88USNYSE

TRV

The Travelers Companies

$371.68USD

Data as of 2026-10-14

Composite Score65.5Strong

−40

Margin of safety−40%Overvalued

Fair value$264.55

Target$405.29

Loss chance46%Neutral

SizeLarge cap

SectorFinancials

Dividend1.35%

TypeCommon stock

Price

Pillar breakdown

0–100 percentile rank against the current universe (sector-relative for Quality / Value / Growth / Profitability)

Financials median (n=258)

Quality
Profit margins & asset efficiency
66
Strong
Financials median (n=258) 50
Value
Price vs fundamentals
56
Strong
Financials median (n=258) 52
Growth
Revenue & earnings trajectory
74
Exceptional
Financials median (n=258) 50
Momentum
Recent price strength
82
Exceptional
Financials median (n=258) 59
Health
Balance sheet & solvency
57
Strong
Financials median (n=258) 54
Profitability
ROE, ROA, ROIC
53
Average
Financials median (n=258) 51
Technical
Trend & volatility signals
54
Average
Financials median (n=258) 47
Risk
Volatility & drawdown profile
95
Exceptional
Financials median (n=258) 61

025405570100

Exceptional (70+)Strong (55–70)Average (40–55)Weak (25–40)Poor (<25)

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

Fair price check

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

Looks overvalued

Models suggest TRV is trading above fair value

Today's price

$371.68

Median fair price

$264.55

-29% vs today's price

Of 4 methods:1 say fair3 say pricey

P/E multiplesFair
thinks it's fairly priced — estimates $405.29, about 9% above today
P/B multiplesOvervalued
thinks it's expensive — estimates $276.63, about 26% below today
Graham (defensive)Overvalued
thinks it's expensive — estimates $252.48, about 32% below today
Residual IncomeOvervalued
thinks it's expensive — estimates $195.39, about 47% 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: $264.55
Margin of safety(vs fair value): -40.5%
Max (ex-outliers): $405.29
Tangible BVPS: $137.77

Median of all applicable methods (current price $371.68). Per-method estimates + each method’s cheap/fair/pricey read are in the Fair price check above. 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.

Defense layer. Flags mark elevated risk, never confirmed fraud. This model cannot catch every manipulation and decays after publication — weigh it against its stated error rates.

Supporting dataRaw fundamentals & data-quality provenance behind the scores above

Raw fundamentals (SEC EDGAR)

Metric	Value
Market cap	$77.52B
Revenue (TTM)	$48.98B
Net income (TTM)	$8.30B
Operating cash flow (TTM)	$11.03B
CapEx (TTM)	N/A
Free cash flow (TTM)CFO − CapEx	N/A
Total assets	$143.58B
Total liabilities	$110.46B
Stockholders' equity	$33.12B
Cash & equivalents	$621.00M
Shares outstanding	208.58M
EPS (basic)	$39.81
EPS (diluted)	$39.81
P/E ratio (TTM)	9.34

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

Data quality

Latest filed date: 2026-07-17
Latest period end: 2026-07-10
Filing lag: 89 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)