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 revenue.

Balance Sheet

Assets, liabilities, and equity

19 accounts · 10 years

Total assets $143.7B

Total liabilities $110.8B

Shareholders equity $32.9B

Account	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016
Assets
Cash and Cash Equivalents	1.7%	1.5%	1.6%	2.2%	2.2%	2.3%	1.6%	1.2%	1.2%	1.1%
Short Term Investments	0.0%	0.0%	0.0%	0.0%	0.0%	1.4%	1.3%	1.2%	0.0%	0.0%
Other Current Assets	8.8%	9.0%	9.5%	8.9%	10.1%	9.9%	9.8%	9.5%	9.9%	8.6%
Goodwill	8.3%	9.1%	9.6%	10.7%	11.5%	12.4%	12.5%	13.0%	13.7%	13.0%
Intangible Assets	0.7%	0.8%	0.7%	0.8%	0.9%	1.0%	1.0%	1.1%	1.2%	1.0%
Deferred Tax Assets	1.8%	3.8%	3.6%	5.1%	4.2%	4.7%	0.0%	1.5%	0.2%	1.7%
Other Noncurrent Assets	8.8%	9.0%	9.5%	8.9%	10.1%	9.9%	9.8%	9.5%	9.9%	8.6%
Total Assets	294.3%	286.9%	304.6%	313.7%	346.0%	365.1%	348.7%	344.2%	358.0%	362.9%
Liabilities
Other Current Liabilities	14.9%	15.4%	16.3%	16.2%	18.2%	19.1%	19.2%	18.1%	19.3%	19.6%
Total Current Liabilities	226.9%	226.9%	244.3%	255.3%	263.0%	273.8%	266.5%	268.6%	275.9%	278.8%
Long Term Debt	19.0%	17.3%	19.4%	19.8%	20.9%	20.5%	20.8%	21.7%	22.7%	23.3%
Other Noncurrent Liabilities	14.9%	15.4%	16.3%	16.2%	18.2%	19.1%	19.2%	18.1%	19.3%	19.6%
Total Liabilities	226.9%	226.9%	244.3%	255.3%	263.0%	273.8%	266.5%	268.6%	275.9%	278.8%
Equity
Common Stock	53.1%	54.8%	60.2%	66.6%	69.4%	74.2%	74.3%	76.4%	79.2%	81.9%
Retained Earnings	112.5%	106.9%	110.2%	118.0%	119.4%	121.2%	117.1%	116.3%	115.8%	116.5%
Treasury Stock	93.1%	91.0%	99.4%	108.7%	109.2%	112.0%	111.3%	110.9%	111.7%	111.6%
Accumulated Other Comprehensive Income	-5.1%	-10.7%	-10.8%	-17.5%	3.4%	7.8%	2.0%	-6.1%	-1.2%	-2.7%
Total Stockholders Equity	67.4%	60.0%	60.2%	58.5%	83.0%	91.3%	82.1%	75.6%	82.1%	84.1%
Total Liabilitiesand Equity	294.3%	286.9%	304.6%	313.7%	346.0%	365.1%	348.7%	344.2%	358.0%	362.9%

Income Statement

Revenue, expense, and profitability

13 accounts · 10 years

Revenue $48.8B

Operating income Not reported

Net income $6.3B

Account	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016
IncomeStatement
Revenues Total Revenue	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%
Expenses Selling,General and Administrative	12.5%	12.5%	12.5%	13.0%	13.4%	14.1%	13.8%	14.2%	14.4%	15.0%
Expenses Depreciation and Amortization	1.4%	1.5%	1.7%	2.2%	2.5%	2.5%	2.4%	2.7%	2.8%	3.0%
Expenses Share Based Compensation	0.5%	0.6%	0.5%	0.5%	0.5%	0.5%	0.4%	0.5%	0.5%	0.6%
Other Income Expense Interest Expense	0.9%	0.8%	0.9%	1.0%	1.0%	1.1%	1.1%	1.2%	1.3%	1.3%
Other Income Expense Income Before Tax	16.0%	13.3%	8.1%	9.1%	12.8%	10.1%	9.9%	9.8%	9.4%	14.7%
Income Tax Income Tax Expense	3.1%	2.5%	0.9%	1.4%	2.3%	1.7%	1.6%	1.4%	2.3%	3.8%
net Income net Income	12.9%	10.8%	7.2%	7.7%	10.5%	8.4%	8.3%	8.3%	7.1%	10.9%
net Income Comprehensive Income	17.9%	9.7%	12.0%	-13.0%	6.8%	14.3%	16.2%	3.5%	8.5%	8.7%
Earnings Per Share Basic Eps	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%
Earnings Per Share Diluted Eps	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%
Earnings Per Share Weighted Average Shares Basic	0.5%	0.5%	0.6%	0.6%	0.7%	0.8%	0.8%	0.9%	1.0%	1.0%
Earnings Per Share Weighted Average Shares Diluted	0.5%	0.5%	0.6%	0.6%	0.7%	0.8%	0.8%	0.9%	1.0%	1.1%

Cash Flow Statement

Operating, investing, and financing flows

20 accounts · 10 years

Operating cash flow $10.6B

Investing cash flow $-7.7B

Financing cash flow $-2.7B

Account	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016
CashFlow
Operating Activities net Income	12.9%	10.8%	7.2%	7.7%	10.5%	8.4%	8.3%	8.3%	7.1%	10.9%
Operating Activities Depreciation and Amortization	1.4%	1.5%	1.7%	2.2%	2.5%	2.5%	2.4%	2.7%	2.8%	3.0%
Operating Activities Stock Based Compensation	0.5%	0.6%	0.5%	0.5%	0.5%	0.5%	0.4%	0.5%	0.5%	0.6%
Operating Activities Deferred Income Taxes	0.5%	-0.3%	-0.3%	-0.6%	0.2%	-0.1%	-0.1%	-0.1%	1.0%	0.4%
Operating Activities Other Non Cash Items	0.2%	1.2%	1.6%	0.1%	2.2%	0.4%	1.7%	0.6%	0.1%	1.7%
Operating Activities net Cash From Operating Activities	21.7%	19.5%	18.6%	17.5%	20.9%	20.4%	16.5%	14.5%	14.4%	16.2%
Investing Activities Business Acquisitions	0.0%	0.8%	0.0%	0.0%	0.1%	0.0%	0.0%	0.0%	1.5%	—
Investing Activities Purchases of Investments	38.4%	36.9%	37.9%	43.1%	52.1%	44.0%	33.9%	44.7%	42.4%	42.0%
Investing Activities Proceeds From Sale of Investments	23.9%	18.4%	15.4%	18.5%	25.4%	23.1%	21.7%	23.4%	30.3%	32.5%
Investing Activities Other Investing Activities	1.1%	0.9%	1.1%	1.0%	0.8%	1.0%	1.0%	1.1%	0.8%	1.2%
Investing Activities net Cash From Investing Activities	-15.7%	-15.6%	-16.5%	-10.1%	-14.9%	-15.3%	-9.2%	-7.7%	-7.6%	-6.3%
Financing Activities Proceeds From Debt	2.5%	0.0%	1.8%	0.0%	2.1%	1.5%	1.6%	2.0%	2.7%	1.8%
Financing Activities Repurchase of Common Stock	6.2%	2.2%	2.3%	5.4%	6.2%	2.0%	4.7%	4.2%	4.8%	8.7%
Financing Activities Dividends Paid	2.0%	2.0%	2.2%	2.4%	2.5%	2.7%	2.7%	2.7%	2.7%	2.7%
Financing Activities Proceeds From Stock Issuance	0.4%	0.7%	0.3%	0.7%	0.8%	0.4%	0.7%	0.4%	0.6%	1.2%
Financing Activities Tax Withholding On Stock Based Compensation	0.3%	0.2%	0.2%	0.2%	0.1%	0.1%	0.2%	0.2%	0.2%	0.3%
Financing Activities net Cash From Financing Activities	-5.5%	-3.8%	-2.5%	-7.2%	-5.9%	-4.4%	-6.9%	-6.6%	-6.6%	-10.2%
Cash Reconciliation net Change In Cash	0.6%	0.1%	-0.4%	0.1%	0.1%	0.7%	0.4%	0.1%	0.1%	—
Cash Reconciliation Cash At Beginning of Period	1.7%	1.5%	1.6%	2.2%	2.2%	2.3%	1.6%	1.2%	1.2%	—
Cash Reconciliation Cash At End of Period	1.7%	1.5%	1.6%	2.2%	2.2%	2.3%	1.6%	1.2%	1.2%	—

Key Ratios

Margins, returns, liquidity, leverage, efficiency

Computed at import · 10 years

Ratio	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016
Profitability
Gross margin	—	—	—	—	—	—	—	—	—	—
Operating margin	—	—	—	—	—	—	—	—	—	—
Net margin	+12.9%	+10.8%	+7.2%	+7.7%	+10.5%	+8.4%	+8.3%	+8.3%	+7.1%	+10.9%
FCF margin	—	—	—	—	—	—	—	—	—	—
Growth
Revenue CAGR (3y)	+9.8%	+10.1%	+9.0%	+5.3%	+4.8%	+3.4%	+4.6%	+4.1%	+2.1%	+1.8%
Returns
ROE	+19.1%	+17.9%	+12.0%	+13.2%	+12.7%	+9.2%	+10.1%	+11.0%	+8.7%	+13.0%
ROA	+4.4%	+3.8%	+2.4%	+2.5%	+3.0%	+2.3%	+2.4%	+2.4%	+2.0%	+3.0%
ROIC	—	—	—	—	—	—	—	—	—	—
Liquidity
Current ratio	—	0.00x	0.00x	0.00x	0.00x	0.00x	0.01x	0.01x	0.01x	0.01x
Quick ratio	—	—	—	—	—	—	—	—	—	—
Leverage
D/E	3.37x	3.78x	4.06x	4.37x	3.17x	3.00x	3.24x	3.55x	3.36x	3.32x
Interest coverage	—	—	—	—	—	—	—	—	—	—
Efficiency
Asset turnover	0.34x	0.35x	0.33x	0.32x	0.29x	0.27x	0.29x	0.29x	0.28x	0.28x
Cash conversion cycle	—	—	—	—	—	—	—	—	—	—

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FY2025 fundamentals · no price

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Travelers Companies (The)

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