Travelers Companies (The)

Financials Property & Casualty Insurance New York City, New York Last filing Feb 12, 2026 · FY2025

                    Revenue
                    FY2025
                
$48.8B
                    3y CAGR +9.8%
                    
                    P38
                    
                    +5.2%
                    
                    Net income
                    FY2025
                
$6.3B
                    Net margin +12.9%
                    
                    P25
                    
                    +25.8%
                    
                    Total assets
                    FY2025
                
$143.7B
                    ROA +4.4%
                    
                    P70
                    
                    +7.9%
                    
                    Operating cash flow
                    FY2025
                
$10.6B
                    
                    +16.9%

19 yrs · FY2007–FY2025 8 filed · 0 derived · 1 blank

1Y 3Y 5Y 10Y

Dollars % of revenue % of assets YoY % CAGR

Each cell as a share of that year’s total assets.

Balance Sheet

Assets, liabilities, and equity

19 accounts · 3 years

Total assets $143.7B

Total liabilities $110.8B

Shareholders equity $32.9B

Account	2025	2024	2023
Assets
Cash and Cash Equivalents	0.6%	0.5%	0.5%
Short Term Investments	0.0%	0.0%	0.0%
Other Current Assets	3.0%	3.1%	3.1%
Goodwill	2.8%	3.2%	3.2%
Intangible Assets	0.2%	0.3%	0.2%
Deferred Tax Assets	0.6%	1.3%	1.2%
Other Noncurrent Assets	3.0%	3.1%	3.1%
Total Assets	100.0%	100.0%	100.0%
Liabilities
Other Current Liabilities	5.1%	5.4%	5.4%
Total Current Liabilities	77.1%	79.1%	80.2%
Long Term Debt	6.4%	6.0%	6.4%
Other Noncurrent Liabilities	5.1%	5.4%	5.4%
Total Liabilities	77.1%	79.1%	80.2%
Equity
Common Stock	18.0%	19.1%	19.8%
Retained Earnings	38.2%	37.3%	36.2%
Treasury Stock	31.6%	31.7%	32.6%
Accumulated Other Comprehensive Income	-1.7%	-3.7%	-3.5%
Total Stockholders Equity	22.9%	20.9%	19.8%
Total Liabilitiesand Equity	100.0%	100.0%	100.0%

Income Statement

Revenue, expense, and profitability

13 accounts · 3 years

Revenue $48.8B

Operating income Not reported

Net income $6.3B

Account	2025	2024	2023
IncomeStatement
Revenues Total Revenue	34.0%	34.9%	32.8%
Expenses Selling,General and Administrative	4.3%	4.4%	4.1%
Expenses Depreciation and Amortization	0.5%	0.5%	0.6%
Expenses Share Based Compensation	0.2%	0.2%	0.2%
Other Income Expense Interest Expense	0.3%	0.3%	0.3%
Other Income Expense Income Before Tax	5.4%	4.6%	2.7%
Income Tax Income Tax Expense	1.0%	0.9%	0.3%
net Income net Income	4.4%	3.8%	2.4%
net Income Comprehensive Income	6.1%	3.4%	3.9%
Earnings Per Share Basic Eps	0.0%	0.0%	0.0%
Earnings Per Share Diluted Eps	0.0%	0.0%	0.0%
Earnings Per Share Weighted Average Shares Basic	0.2%	0.2%	0.2%
Earnings Per Share Weighted Average Shares Diluted	0.2%	0.2%	0.2%

Cash Flow Statement

Operating, investing, and financing flows

20 accounts · 3 years

Operating cash flow $10.6B

Investing cash flow $-7.7B

Financing cash flow $-2.7B

Account	2025	2024	2023
CashFlow
Operating Activities net Income	4.4%	3.8%	2.4%
Operating Activities Depreciation and Amortization	0.5%	0.5%	0.6%
Operating Activities Stock Based Compensation	0.2%	0.2%	0.2%
Operating Activities Deferred Income Taxes	0.2%	-0.1%	-0.1%
Operating Activities Other Non Cash Items	0.1%	0.4%	0.5%
Operating Activities net Cash From Operating Activities	7.4%	6.8%	6.1%
Investing Activities Business Acquisitions	0.0%	0.3%	0.0%
Investing Activities Purchases of Investments	13.1%	12.9%	12.5%
Investing Activities Proceeds From Sale of Investments	8.1%	6.4%	5.1%
Investing Activities Other Investing Activities	0.4%	0.3%	0.4%
Investing Activities net Cash From Investing Activities	-5.3%	-5.5%	-5.4%
Financing Activities Proceeds From Debt	0.9%	0.0%	0.6%
Financing Activities Repurchase of Common Stock	2.1%	0.8%	0.8%
Financing Activities Dividends Paid	0.7%	0.7%	0.7%
Financing Activities Proceeds From Stock Issuance	0.1%	0.2%	0.1%
Financing Activities Tax Withholding On Stock Based Compensation	0.1%	0.1%	0.1%
Financing Activities net Cash From Financing Activities	-1.9%	-1.3%	-0.8%
Cash Reconciliation net Change In Cash	0.2%	0.0%	-0.1%
Cash Reconciliation Cash At Beginning of Period	0.6%	0.5%	0.5%
Cash Reconciliation Cash At End of Period	0.6%	0.5%	0.5%

Key Ratios

Margins, returns, liquidity, leverage, efficiency

Computed at import · 3 years

Ratio	2025	2024	2023
Profitability
Gross margin	—	—	—
Operating margin	—	—	—
Net margin	+12.9%	+10.8%	+7.2%
FCF margin	—	—	—
Growth
Revenue CAGR (3y)	+9.8%	+10.1%	+9.0%
Returns
ROE	+19.1%	+17.9%	+12.0%
ROA	+4.4%	+3.8%	+2.4%
ROIC	—	—	—
Liquidity
Current ratio	—	0.00x	0.00x
Quick ratio	—	—	—
Leverage
D/E	3.37x	3.78x	4.06x
Interest coverage	—	—	—
Efficiency
Asset turnover	0.34x	0.35x	0.33x
Cash conversion cycle	—	—	—

Valuation

Price against fundamentals

FY2025 fundamentals · no price

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Travelers Companies (The)

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