TRAVELERS COMPANIES, INC.(TRV)Stock Analysis
AI analysis on 2,800+ stocks →Deep AI analysis on 2,800+ stocks →13F Pro Quality Score
Rank #258 of 2,879 stocksTOP 10%
Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Aug 14, 2026.
Revenue Growth
Profitability
Balance Sheet
Earnings Quality
Free Cash Flow
Institutional Flow
Revenue Scale
Dilution Risk
TRV Stock Analysis & AI Quality Score
AI stock analysis and institutional research for TRAVELERS COMPANIES, INC. (TRV), a Financials sector company. 13F Pro's AI-powered ranking engine scores TRV at 71.5/100 on a 32-signal composite quality model, placing it at rank #258 of 2,879 stocks — the top 10% of the AI-ranked universe. TRV scores in the top quartile across revenue scale (97.2), profitability (85.2), earnings quality (84.8). Areas of concern include institutional flow (6.4), which score below median versus the broader universe. Based on the latest XBRL financial filings (Q2 2026), TRAVELERS COMPANIES, INC. reports quarterly revenue of $12.2B, net income of $2.2B, an operating margin of 22.8%. Top institutional holders of TRV by reported 13-F value include BlackRock,, STATE STREET, FMR, based on the most recent SEC filings. TRV trades on the NYSE exchange and files with the SEC under CIK 86312. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate TRV daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for TRAVELERS COMPANIES, INC. directly from SEC EDGAR. TRAVELERS COMPANIES, INC.'s 13F Pro composite quality score has ranged between 8 and 77 since 2021, currently 71.5 — an improving long-term trajectory across 57 quarterly and live scoring snapshots.
What's Driving TRV's Business? Latest 10-Q Breakdown
✓ 27/27 datapoints verifiedAI-extracted from TRAVELERS COMPANIES, INC.'s 10-Q filed 2026-07-17 — Q2 2026 (quarter ended June 30, 2026). Every figure is machine-verified against the filing text on SEC EDGAR.
Net income of $2.21B (+46% YoY) driven by lower catastrophe losses ($518M vs $927M), higher prior year reserve development ($578M vs $315M), and higher net investment income.
Biggest Revenue Drivers
Total revenue: $12.2B+0.3% YoY
Earned premiums declined due to Canadian operations divestiture, though underlying growth of 2% excluding that impact.
Higher long-term average yields and higher average level of fixed maturity investments.
Equity securities gains of $81M driven by favorable equity markets.
Largest Expense Items
Lower catastrophe losses and favorable prior year reserve development; catastrophe losses $518M vs $927M YoY.
Increases primarily reflected normal quarter-to-quarter variability.
Higher interest expense on debt outstanding.
Margins: Combined ratio improved to 83.6% from 90.3% YoY, driven by lower catastrophe losses (4.9 points vs 8.5 points) and higher prior year reserve development (5.4 points vs 2.9 points). Loss ratio of 54.6% improved 7.1 points YoY, while underwriting expense ratio of 29.0% increased 0.4 points.
Watch Items from the Filing
- Asbestos reserves of $1.22B (June 30, 2026) vs $1.24B (June 30, 2025) remain subject to significant uncertainty; management notes additional liabilities may arise for amounts exceeding current reserves and could be material to future operating results.
- Personal Insurance segment had dramatic earnings swing: Q2 segment income $827M (+55% YoY) but first half 2026 segment income $1.53B (+857% YoY) due to catastrophe losses impact ($650M H1 2026 vs $2.29B H1 2025), creating earnings volatility.
- Reinsurance recoverables of $8.01B concentrated with rated counterparties: 90% rated by A.M. Best with 95% rated A- or better, mitigating credit risk.
- Net unrealized investment losses of $2.48B ($1.96B after-tax) increased from $1.86B ($1.48B after-tax) at year-end 2025 due to rising interest rates, impacting shareholders' equity but considered temporary.
AI-extracted and verified against SEC EDGAR filing text. Not investment advice.
Revenue
Q2 2026
$12.2B
Net Income
Q2 2026
$2.2B
Free Cash Flow
Q2 2026
$1.9B
Operating Margin
Q2 2026
22.8%
D/E Ratio
Q2 2026
0.27
Revenue & Net Income
Earnings Per Share
Key Financials Over Time
Export Financial Table · Pro+Revenue
+5.2% YoYNet Income
+25.8% YoYEPS (Diluted)
+27.8% YoYTotal Assets
+7.9% YoYTotal Debt
+15.4% YoYOp. Cash Flow
+16.9% YoY| Metric | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Revenue | $48.83B +5.2% | $46.42B +12.2% | $41.36B +12.1% | $36.88B +5.9% | $34.82B +8.9% | $31.98B |
| Net Income | $6.29B +25.8% | $5.00B +67.1% | $2.99B +5.2% | $2.84B -22.4% | $3.66B +35.8% | $2.70B |
| EPS (Diluted) | $27.43 +27.8% | $21.47 +67.9% | $12.79 +8.7% | $11.77 -18.8% | $14.49 +37.7% | $10.52 |
| Total Assets | $143.71B +7.9% | $133.19B +5.7% | $125.98B +8.9% | $115.72B -3.9% | $120.47B +3.2% | $116.76B |
| Total Debt | $9.27B +15.4% | $8.03B +0.0% | $8.03B +10.1% | $7.29B +0.0% | $7.29B +11.3% | $6.55B |
| Operating Cash Flow | $10.61B +16.9% | $9.07B +17.7% | $7.71B +19.3% | $6.46B -11.1% | $7.27B +11.6% | $6.52B |
Get alerted when TRV's score changes
Free account: watchlist tracking, the daily AI brief, and the AI screener.
Available Research
13F Pro tracks comprehensive data for TRAVELERS COMPANIES, INC. including:
Top Institutional Holders of TRV
BlackRock, Inc.
$6.3B21,633,053 shSTATE STREET CORP
$4.7B16,133,981 shFMR LLC
$3.5B11,999,445 shGEODE CAPITAL MANAGEMENT, LLC
$1.7B5,641,527 shMASSACHUSETTS FINANCIAL SERVICES CO /MA/
$1.4B4,903,665 shMORGAN STANLEY
$1.0B3,572,486 shDIMENSIONAL FUND ADVISORS LP
$1.0B3,484,676 shBANK OF AMERICA CORP /DE/
$997.6M3,420,104 shNORTHERN TRUST CORP
$883.0M3,027,393 shClearbridge Investments, LLC
$816.2M2,798,428 sh
| Fund | Value | Shares |
|---|---|---|
| BlackRock, Inc. | $6.3B | 21,633,053 |
| STATE STREET CORP | $4.7B | 16,133,981 |
| FMR LLC | $3.5B | 11,999,445 |
| GEODE CAPITAL MANAGEMENT, LLC | $1.7B | 5,641,527 |
| MASSACHUSETTS FINANCIAL SERVICES CO /MA/ | $1.4B | 4,903,665 |
| MORGAN STANLEY | $1.0B | 3,572,486 |
| DIMENSIONAL FUND ADVISORS LP | $1.0B | 3,484,676 |
| BANK OF AMERICA CORP /DE/ | $997.6M | 3,420,104 |
| NORTHERN TRUST CORP | $883.0M | 3,027,393 |
| Clearbridge Investments, LLC | $816.2M | 2,798,428 |
More Financials Companies
View all Financials →Put TRV on your watchlist
Track score changes the day TRAVELERS COMPANIES, INC. files with the SEC, follow the hedge funds that own it, screen 2,800+ AI-scored stocks, and get the daily brief — free.
Free tier includes 13F data, economic indicators, and market overview. Pro starts at $6.67/mo (billed annually).
Popular Research
Is TRV a good stock to buy?
13F Pro's AI-powered analysis of TRAVELERS COMPANIES, INC. (TRV) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on NYSE). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for TRV are available on the TRV stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing.
Which hedge funds own TRV?
Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling TRV. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of TRAVELERS COMPANIES, INC.'s investment landscape.