The Travelers Companies Inc (TRV) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
The Travelers Companies Inc stock (TRV) is currently trading at $290.59. The Travelers Companies Inc PE ratio is 10.68. The Travelers Companies Inc PS ratio (Price-to-Sales) is 1.34. Analyst consensus price target for TRV is $303.23. WallStSmart rates TRV as Moderate Buy.
- TRV PE ratio analysis and historical PE chart
- TRV PS ratio (Price-to-Sales) history and trend
- TRV intrinsic value — DCF, Graham Number, EPV models
- TRV stock price prediction 2025 2026 2027 2028 2029 2030
- TRV fair value vs current price
- TRV insider transactions and insider buying
- Is TRV undervalued or overvalued?
- The Travelers Companies Inc financial analysis — revenue, earnings, cash flow
- TRV Piotroski F-Score and Altman Z-Score
- TRV analyst price target and Smart Rating
The Travelers Companies Inc
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TRV Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · The Travelers Companies Inc (TRV)
TRV trades at a significant discount to its Graham intrinsic value of $1213.50, offering a 75% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
The Travelers Companies Inc (TRV) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in market cap, return on equity, operating margin. Concerns around revenue growth. Overall metrics suggest strong investment potential with favorable risk/reward.
The Travelers Companies Inc (TRV) Key Strengths (7)
88.47% of shares held by major funds and institutions
Large-cap company with substantial market presence
Every $100 of equity generates $21 in profit
Strong operational efficiency: $26 kept per $100 revenue
Paying $1.34 for every $1 of annual revenue
Trading at 1.95x book value, attractively priced
Strong earnings growth at 23.40% per year
Supporting Valuation Data
The Travelers Companies Inc (TRV) Areas to Watch (3)
Revenue growing slowly at 3.50% annually
Paying a premium for growth, expensive relative to earnings expansion
Decent profitability, keeps $13 per $100 revenue
The Travelers Companies Inc (TRV) Detailed Analysis Report
Overall Assessment
This company scores 71/100 in our Smart Analysis, earning a B grade. Out of 10 metrics analyzed, 7 register as strengths (avg 8.6/10) while 3 fall into concern territory (avg 4.0/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Institutional Own., Market Cap, Return on Equity. Valuation metrics including Price/Sales (1.34), Price/Book (1.95) suggest the stock is attractively priced. Profitability is solid with Return on Equity at 20.70%, Operating Margin at 25.90%. Growth metrics are encouraging with EPS Growth at 23.40%.
The Bear Case
The primary concerns are Revenue Growth, PEG Ratio, Profit Margin. Some valuation metrics including PEG Ratio (2.36) suggest expensive pricing. Growth concerns include Revenue Growth at 3.50%, which may limit upside. Profitability pressure is visible in Profit Margin at 12.90%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Revenue Growth improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 20.70% currently healthy but needing to be sustained. Third, growth sustainability, with Revenue Growth at 3.50% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate risk investment. The weight of evidence leans positive, with more strengths than concerns. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
The combination of Institutional Own. and Market Cap makes a compelling case at current levels. The key risk is Revenue Growth, but the overall fundamental picture is positive with a clear path to maintaining or improving the current B grade.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
TRV Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
TRV's Price-to-Sales ratio of 1.34x sits near its historical average of 1.18x (87th percentile), suggesting the market is pricing in steady-state growth. The current valuation is 14% below its historical high of 1.55x set in Dec 2006, and 69% above its historical low of 0.79x in Aug 2011.
WallStSmart Analysis Synopsis
Data-driven financial summary for The Travelers Companies Inc (TRV) · FINANCIAL SERVICES › INSURANCE - PROPERTY & CASUALTY
The Big Picture
The Travelers Companies Inc operates as a stable business with moderate growth and solid fundamentals. Revenue reached 48.8B with 4% growth year-over-year. Profit margins of 12.9% are healthy, with room for further expansion as the business scales.
Key Findings
ROE of 20.7% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
Debt-to-equity ratio of 0.28 indicates a conservative balance sheet with 842M in cash.
What to Watch Next
Margin expansion: can The Travelers Companies Inc push profit margins above 15% as the business scales?
Debt management: total debt of 9.3B is significantly higher than cash (842M). Monitor refinancing risk.
Sector dynamics: monitor INSURANCE - PROPERTY & CASUALTY industry trends, competitive moves, and regulatory changes that could impact The Travelers Companies Inc.
Bottom Line
The Travelers Companies Inc offers stability with moderate growth and solid fundamentals. The valuation may present an opportunity for patient investors, though limited growth means returns will likely come from dividends and modest capital appreciation rather than explosive gains.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About The Travelers Companies Inc(TRV)
NYSE
FINANCIAL SERVICES
INSURANCE - PROPERTY & CASUALT...
USA
The Travelers Companies, Inc., commonly known as Travelers, is an American insurance company.