Travelers Compan Financials

TRV

Source SEC Filings (10-K/10-Q) Updated Feb 12, 2026 Currency USD FYE February

Financial Health Signals

Piotroski F-Score Neutral

5/9

Travelers Compan passes 5 of 9 financial strength tests. All 4 profitability signals pass (positive income, cash flow, and earnings quality), 1 of 2 leverage/liquidity signals pass, neither operating efficiency signal passes.

Earnings Quality Cash-Backed

1.69x

For every $1 of reported earnings, Travelers Compan generates $1.69 in operating cash flow ($11K OCF vs $6K net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

This page shows Travelers Compan (TRV) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 19 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

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Key Financial Metrics

Revenue

$49K

YoY-100.0%

5Y CAGR-93.1%

10Y CAGR-73.3%

Travelers Compan generated $49K in revenue in fiscal year 2025. This represents a decrease of 100.0% from the prior year.

EBITDA

N/A

Free Cash Flow

N/A

Net Income

$6K

YoY-100.0%

5Y CAGR-92.5%

10Y CAGR-73.3%

Travelers Compan reported $6K in net income in fiscal year 2025. This represents a decrease of 100.0% from the prior year.

EPS (Diluted)

$27.43

Travelers Compan earned $27.43 per diluted share (EPS) in fiscal year 2025.

Cash & Debt

$842

YoY-100.0%

5Y CAGR-93.5%

10Y CAGR-72.8%

Travelers Compan held $842 in cash against $0 in long-term debt as of fiscal year 2025.

Dividends Per Share

$4.35

10Y CAGR+6.2%

Travelers Compan paid $4.35 per share in dividends in fiscal year 2025.

Shares Outstanding

216M

YoY-4.6%

5Y CAGR-3.0%

10Y CAGR-3.1%

Travelers Compan had 216M shares outstanding in fiscal year 2025. This represents a decrease of 4.6% from the prior year.

Gross Margin

N/A

Operating Margin

N/A

Net Margin

12.9%

YoY+2.1pp

5Y CAGR+4.5pp

10Y CAGR+0.1pp

Travelers Compan's net profit margin was 12.9% in fiscal year 2025, showing the share of revenue converted to profit. This is up 2.1 percentage points from the prior year.

Return on Equity

19.1%

YoY+1.2pp

5Y CAGR+9.9pp

10Y CAGR+4.6pp

Travelers Compan's ROE was 19.1% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 1.2 percentage points from the prior year.

R&D Spending

N/A

Share Buybacks

$3K

YoY-100.0%

5Y CAGR-91.4%

10Y CAGR-75.0%

Travelers Compan spent $3K on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents a decrease of 100.0% from the prior year.

Capital Expenditures

N/A

TRV Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$49K-100.0%	$46.4B+12.2%	$41.4B+12.1%	$36.9B+5.9%	$34.8B+8.9%	$32.0B
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$6K-100.0%	$5.8B+12.4%	$5.2B+7.6%	$4.8B+2.8%	$4.7B+3.7%	$4.5B
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$425-100.0%	$392.0M+4.3%	$376.0M+7.1%	$351.0M+3.2%	$340.0M+0.3%	$339.0M
Income Tax	$2K-100.0%	$1.2B+210.8%	$380.0M-25.8%	$512.0M-35.7%	$796.0M+47.4%	$540.0M
Net Income	$6K-100.0%	$5.0B+67.1%	$3.0B+5.2%	$2.8B-22.4%	$3.7B+35.8%	$2.7B
EPS (Diluted)	$27.43	N/A	N/A	N/A	N/A	N/A

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Revenue	$12.4B-0.3%	$12.5B+2.9%	$12.1B+2.6%	$11.8B-1.6%	$12.0B+0.9%	$11.9B+5.5%	$11.3B+0.5%	$11.2B
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$1.5B-1.8%	$1.6B+1.7%	$1.5B+5.9%	$1.5B-1.1%	$1.5B+1.0%	$1.5B-1.2%	$1.5B+5.1%	$1.4B
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$116.0M+4.5%	$111.0M+12.1%	$99.0M0.0%	$99.0M+1.0%	$98.0M0.0%	$98.0M0.0%	$98.0M0.0%	$98.0M
Income Tax	$607.0M+33.1%	$456.0M+22.6%	$372.0M+409.6%	$73.0M-85.7%	$512.0M+70.7%	$300.0M+145.9%	$122.0M-50.6%	$247.0M
Net Income	$2.5B+32.2%	$1.9B+25.1%	$1.5B+282.0%	$395.0M-81.0%	$2.1B+65.2%	$1.3B+136.0%	$534.0M-52.4%	$1.1B
EPS (Diluted)	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

TRV Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$144K-100.0%	$133.2B+5.7%	$126.0B+8.9%	$115.7B-3.9%	$120.5B+3.2%	$116.8B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$842-100.0%	$699.0M+7.5%	$650.0M-18.6%	$799.0M+5.0%	$761.0M+5.5%	$721.0M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$4K-100.0%	$4.2B+6.5%	$4.0B+0.6%	$4.0B-1.4%	$4.0B+0.8%	$4.0B
Total Liabilities	$111K-100.0%	$105.3B+4.2%	$101.1B+7.3%	$94.2B+2.8%	$91.6B+4.6%	$87.6B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$33K-100.0%	$27.9B+11.8%	$24.9B+15.6%	$21.6B-25.4%	$28.9B-1.1%	$29.2B
Retained Earnings	$55K-100.0%	$49.6B+8.9%	$45.6B+4.8%	$43.5B+4.7%	$41.6B+7.2%	$38.8B

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Total Assets	$143.7B0.0%	$143.7B+3.5%	$138.9B+2.1%	$136.0B+2.1%	$133.2B-1.0%	$134.6B+4.1%	$129.3B+1.5%	$127.4B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$842.0M+15.5%	$729.0M+10.6%	$659.0M-9.0%	$724.0M+3.6%	$699.0M-9.5%	$772.0M+5.9%	$729.0M+9.3%	$667.0M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$4.1B-4.8%	$4.3B-0.3%	$4.3B+0.9%	$4.2B+0.3%	$4.2B-0.9%	$4.3B+0.5%	$4.3B0.0%	$4.3B
Total Liabilities	$110.8B-1.1%	$112.1B+2.5%	$109.4B+1.5%	$107.8B+2.3%	$105.3B-1.5%	$106.9B+2.3%	$104.5B+2.0%	$102.4B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$32.9B+4.1%	$31.6B+7.1%	$29.5B+4.7%	$28.2B+1.2%	$27.9B+0.6%	$27.7B+11.4%	$24.9B-0.6%	$25.0B
Retained Earnings	$54.9B+4.3%	$52.7B+3.2%	$51.0B+2.5%	$49.8B+0.3%	$49.6B+3.9%	$47.8B+2.2%	$46.8B+0.6%	$46.5B

TRV Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$11K-100.0%	$9.1B+17.7%	$7.7B+19.3%	$6.5B-11.1%	$7.3B+11.6%	$6.5B
Capital Expenditures	N/A	N/A	N/A	N/A	N/A	N/A
Free Cash Flow	N/A	N/A	N/A	N/A	N/A	N/A
Investing Cash Flow	$8K+100.0%	-$7.3B-6.5%	-$6.8B-83.0%	-$3.7B+28.3%	-$5.2B-6.2%	-$4.9B
Financing Cash Flow	$3K+100.0%	-$1.7B-66.2%	-$1.1B+60.6%	-$2.7B-31.0%	-$2.0B-43.9%	-$1.4B
Dividends Paid	$979-100.0%	$951.0M+4.7%	$908.0M+3.8%	$875.0M+0.7%	$869.0M+0.9%	$861.0M
Share Buybacks	$3K-100.0%	$1.0B+4.7%	$958.0M-52.1%	$2.0B-7.2%	$2.2B+245.0%	$625.0M

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Operating Cash Flow	$2.7B-36.5%	$4.2B+81.1%	$2.3B+71.6%	$1.4B-34.1%	$2.1B-46.7%	$3.9B+131.1%	$1.7B+15.0%	$1.5B
Capital Expenditures	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Free Cash Flow	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Investing Cash Flow	-$575.0M+87.4%	-$4.6B-165.3%	-$1.7B-112.4%	-$808.0M+52.3%	-$1.7B+50.1%	-$3.4B-196.7%	-$1.1B-10.2%	-$1.0B
Financing Cash Flow	-$1.8B-554.7%	$402.0M+157.3%	-$702.0M-31.2%	-$535.0M-26.8%	-$422.0M+7.0%	-$454.0M+3.8%	-$472.0M-18.3%	-$399.0M
Dividends Paid	$242.0M-2.0%	$247.0M-1.2%	$250.0M+4.2%	$240.0M0.0%	$240.0M+0.8%	$238.0M-2.5%	$244.0M+6.6%	$229.0M
Share Buybacks	$1.6B+164.1%	$619.0M+23.8%	$500.0M+100.0%	$250.0M-2.3%	$256.0M+3.2%	$248.0M-0.4%	$249.0M-0.4%	$250.0M

TRV Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	12.9%+2.1pp	10.8%+3.5pp	7.2%-0.5pp	7.7%-2.8pp	10.5%+2.1pp	8.4%
Return on Equity	19.1%+1.2pp	17.9%+5.9pp	12.0%-1.2pp	13.2%+0.5pp	12.7%+3.4pp	9.2%
Return on Assets	4.4%+0.6pp	3.8%+1.4pp	2.4%-0.1pp	2.5%-0.6pp	3.0%+0.7pp	2.3%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	3.37-0.4	3.78-0.3	4.06-0.3	4.37+1.2	3.17+0.2	3.00
FCF Margin	N/A	N/A	N/A	N/A	N/A	N/A

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	20.1%+4.9pp	15.1%+2.7pp	12.4%+9.1pp	3.3%-14.0pp	17.3%+6.8pp	10.6%+5.9pp	4.7%-5.3pp	10.0%
Return on Equity	7.6%+1.6pp	6.0%+0.9pp	5.1%+3.7pp	1.4%-6.1pp	7.5%+2.9pp	4.5%+2.4pp	2.1%-2.3pp	4.5%
Return on Assets	1.7%+0.4pp	1.3%+0.2pp	1.1%+0.8pp	0.3%-1.3pp	1.6%+0.6pp	0.9%+0.5pp	0.4%-0.5pp	0.9%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	3.37-0.2	3.55-0.2	3.70-0.1	3.82+0.0	3.78-0.1	3.86-0.3	4.20+0.1	4.09
FCF Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

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Frequently Asked Questions

What is Travelers Compan's annual revenue?

Travelers Compan (TRV) reported $49K in total revenue for fiscal year 2025. This represents a -100.0% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Travelers Compan's revenue growing?

Travelers Compan (TRV) revenue declined by 100% year-over-year, from $46.4B to $49K in fiscal year 2025.

Is Travelers Compan profitable?

Yes, Travelers Compan (TRV) reported a net income of $6K in fiscal year 2025, with a net profit margin of 12.9%.

What is Travelers Compan's earnings per share (EPS)?

Travelers Compan (TRV) reported diluted earnings per share of $27.43 for fiscal year 2025. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

What is Travelers Compan's net profit margin?

Travelers Compan (TRV) had a net profit margin of 12.9% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does Travelers Compan pay dividends?

Yes, Travelers Compan (TRV) paid $4.35 per share in dividends during fiscal year 2025.

What is Travelers Compan's return on equity (ROE)?

Travelers Compan (TRV) has a return on equity of 19.1% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Travelers Compan's operating cash flow?

Travelers Compan (TRV) generated $11K in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Travelers Compan's total assets?

Travelers Compan (TRV) had $144K in total assets as of fiscal year 2025, including both current and long-term assets.

Does Travelers Compan buy back shares?

Yes, Travelers Compan (TRV) spent $3K on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does Travelers Compan have outstanding?

Travelers Compan (TRV) had 216M shares outstanding as of fiscal year 2025.

What is Travelers Compan's debt-to-equity ratio?

Travelers Compan (TRV) had a debt-to-equity ratio of 3.37 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Travelers Compan's return on assets (ROA)?

Travelers Compan (TRV) had a return on assets of 4.4% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Travelers Compan's Piotroski F-Score?

Travelers Compan (TRV) has a Piotroski F-Score of 5 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Travelers Compan's earnings high quality?

Travelers Compan (TRV) has an earnings quality ratio of 1.69x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.