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

Running CAGR since the earliest displayed year.

Balance Sheet

Assets, liabilities, and equity

19 accounts · 5 years

Total assets $143.7B

Total liabilities $110.8B

Shareholders equity $32.9B

Account	2025	2024	2023	2022	2021
Assets
Cash and Cash Equivalents	+2.6%	-2.8%	-7.6%	+5.0%	—
Short Term Investments	—	—	—	—	—
Other Current Assets	+4.9%	+5.8%	+5.7%	-7.3%	—
Goodwill	+0.4%	+1.8%	-0.4%	-1.4%	—
Intangible Assets	+2.4%	+5.6%	-4.9%	-6.2%	—
Deferred Tax Assets	-11.8%	+6.2%	+1.2%	+27.8%	—
Other Noncurrent Assets	+4.9%	+5.8%	+5.7%	-7.3%	—
Total Assets	+4.5%	+3.4%	+2.3%	-3.9%	—
Liabilities
Other Current Liabilities	+3.6%	+4.3%	+3.2%	-5.8%	—
Total Current Liabilities	+4.9%	+4.8%	+5.0%	+2.8%	—
Long Term Debt	+6.2%	+3.3%	+5.0%	+0.0%	—
Other Noncurrent Liabilities	+3.6%	+4.3%	+3.2%	-5.8%	—
Total Liabilities	+4.9%	+4.8%	+5.0%	+2.8%	—
Equity
Common Stock	+1.8%	+1.8%	+1.5%	+1.7%	—
Retained Earnings	+7.2%	+6.1%	+4.7%	+4.7%	—
Treasury Stock	+4.6%	+3.6%	+4.0%	+5.4%	—
Accumulated Other Comprehensive Income	—	—	—	—	—
Total Stockholders Equity	+3.3%	-1.2%	-7.1%	-25.4%	—
Total Liabilitiesand Equity	+4.5%	+3.4%	+2.3%	-3.9%	—

Income Statement

Revenue, expense, and profitability

13 accounts · 5 years

Revenue $48.8B

Operating income Not reported

Net income $6.3B

Account	2025	2024	2023	2022	2021
IncomeStatement
Revenues Total Revenue	+8.8%	+10.1%	+9.0%	+5.9%	—
Expenses Selling,General and Administrative	+7.0%	+7.6%	+5.2%	+2.8%	—
Expenses Depreciation and Amortization	-6.0%	-6.3%	-8.9%	-5.1%	—
Expenses Share Based Compensation	+12.1%	+17.1%	+14.9%	+13.0%	—
Other Income Expense Interest Expense	+5.7%	+4.9%	+5.2%	+3.2%	—
Other Income Expense Income Before Tax	+15.0%	+11.5%	-13.0%	-24.8%	—
Income Tax Income Tax Expense	+17.3%	+14.1%	-30.9%	-35.7%	—
net Income net Income	+14.5%	+10.9%	-9.6%	-22.4%	—
net Income Comprehensive Income	+38.9%	+24.2%	+45.3%	—	—
Earnings Per Share Basic Eps	+17.4%	+14.1%	-6.0%	-18.6%	—
Earnings Per Share Diluted Eps	+17.3%	+14.0%	-6.0%	-18.8%	—
Earnings Per Share Weighted Average Shares Basic	-2.5%	-2.8%	-3.9%	-4.6%	—
Earnings Per Share Weighted Average Shares Diluted	-2.4%	-2.7%	-3.8%	-4.4%	—

Cash Flow Statement

Operating, investing, and financing flows

20 accounts · 5 years

Operating cash flow $10.6B

Investing cash flow $-7.7B

Financing cash flow $-2.7B

Account	2025	2024	2023	2022	2021
CashFlow
Operating Activities net Income	+14.5%	+10.9%	-9.6%	-22.4%	—
Operating Activities Depreciation and Amortization	-6.0%	-6.3%	-8.9%	-5.1%	—
Operating Activities Stock Based Compensation	+12.1%	+17.1%	+14.9%	+13.0%	—
Operating Activities Deferred Income Taxes	+37.8%	—	—	—	—
Operating Activities Other Non Cash Items	-42.7%	-9.5%	-7.1%	-94.0%	—
Operating Activities net Cash From Operating Activities	+9.9%	+7.6%	+3.0%	-11.1%	—
Investing Activities Business Acquisitions	—	+115.8%	—	-89.5%	—
Investing Activities Purchases of Investments	+0.8%	-1.9%	-7.0%	-12.4%	—
Investing Activities Proceeds From Sale of Investments	+7.1%	-1.2%	-15.2%	-22.8%	—
Investing Activities Other Investing Activities	+17.6%	+13.5%	+28.7%	+38.0%	—
Investing Activities net Cash From Investing Activities	—	—	—	—	—
Financing Activities Proceeds From Debt	+13.7%	—	-0.1%	—	—
Financing Activities Repurchase of Common Stock	+8.6%	-22.5%	-33.3%	-7.2%	—
Financing Activities Dividends Paid	+3.0%	+3.1%	+2.2%	+0.7%	—
Financing Activities Proceeds From Stock Issuance	-7.6%	+3.1%	-30.6%	-8.9%	—
Financing Activities Tax Withholding On Stock Based Compensation	+30.3%	+37.3%	+20.6%	+38.6%	—
Financing Activities net Cash From Financing Activities	—	—	—	—	—
Cash Reconciliation net Change In Cash	+67.4%	+7.0%	—	-5.0%	—
Cash Reconciliation Cash At Beginning of Period	+2.6%	-2.8%	-7.6%	+5.0%	—
Cash Reconciliation Cash At End of Period	+2.6%	-2.8%	-7.6%	+5.0%	—

Key Ratios

Margins, returns, liquidity, leverage, efficiency

Computed at import · 5 years

Ratio	2025	2024	2023	2022	2021
Profitability
Gross margin	—	—	—	—	—
Operating margin	—	—	—	—	—
Net margin	+12.9%	+10.8%	+7.2%	+7.7%	+10.5%
FCF margin	—	—	—	—	—
Growth
Revenue CAGR (3y)	+9.8%	+10.1%	+9.0%	+5.3%	+4.8%
Returns
ROE	+19.1%	+17.9%	+12.0%	+13.2%	+12.7%
ROA	+4.4%	+3.8%	+2.4%	+2.5%	+3.0%
ROIC	—	—	—	—	—
Liquidity
Current ratio	—	0.00x	0.00x	0.00x	0.00x
Quick ratio	—	—	—	—	—
Leverage
D/E	3.37x	3.78x	4.06x	4.37x	3.17x
Interest coverage	—	—	—	—	—
Efficiency
Asset turnover	0.34x	0.35x	0.33x	0.32x	0.29x
Cash conversion cycle	—	—	—	—	—

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Travelers Companies (The)

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