Travelers Companies, Inc. - Understand $trv stock

$TRV Market Cap: $59.43 Billion

Research Board Inbox Deep Research Not Interested Shortlisted

Financial Snapshot

Revenue

$45.34B

TTM

Gross Margin

38.87%

TTM

Net Earnings

$4.531B

TTM

Current Assets

Current Liabilities

$3.410B

Q3 2024

Current Ratio

Total Assets

$134.6B

Q3 2024

Total Liabilities

$106.9B

Q3 2024

Book Value

$27.70B

Q3 2024

Cash

$772.0M

Q3 2024

P/E

13.12

Nov 29, 2024 EST

Free Cash Flow

Revenues

Revenue YoY Change

Revenues

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994	1993	1992	1991	1990	1989	1988	1987	1986	1985	1984	1983
Revenue	$41.36B	$36.88B	$34.82B	$31.98B	$31.58B	$30.28B	$28.90B	$27.63B	$2.379B	$27.20B	$26.21B	$25.74B	$25.45B	$25.11B	$24.68B	$24.48B	$26.02B	$25.09B	$24.37B	$22.54B	$15.14B	$14.27B	$9.032B	$7.946B	$7.149B	$7.708B	$8.308B	$9.232B	$8.515B	$7.678B	$7.783B	$8.159B	$8.524B	$8.176B	$8.425B	$8.151B	$7.794B	$7.519B	$6.228B	$5.089B	$4.432B
YoY Change	12.15%	5.94%	8.86%	1.27%	4.29%	4.77%	4.62%	1061.2%	-91.25%	3.79%	1.81%	1.16%	1.33%	1.75%	0.83%	-5.92%	3.69%	2.98%	8.08%	48.91%	6.09%	57.99%	13.67%	11.15%	-7.25%	-7.22%	-10.01%	8.42%	10.9%	-1.35%	-4.61%	-4.28%	4.26%	-2.96%	3.36%	4.58%	3.66%	20.73%	22.38%	14.82%

Expenses

Cost Of Revenues

Gross Profit

Gross Profit Margin

Gross Profit

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994	1993	1992	1991	1990	1989	1988	1987	1986	1985	1984	1983
Revenue	$41.36B	$36.88B	$34.82B	$31.98B	$31.58B	$30.28B	$28.90B	$27.63B	$2.379B	$27.20B	$26.21B	$25.74B	$25.45B	$25.11B	$24.68B	$24.48B	$26.02B	$25.09B	$24.37B	$22.54B	$15.14B	$14.27B	$9.032B	$7.946B	$7.149B	$7.708B	$8.308B	$9.232B	$8.515B	$7.678B	$7.783B	$8.159B	$8.524B	$8.176B	$8.425B	$8.151B	$7.794B	$7.519B	$6.228B	$5.089B	$4.432B
Cost Of Revenue	$26.22B	$22.85B	$20.30B	$19.12B	$19.13B	$18.29B	$17.47B	$15.07B
Gross Profit	$15.15B	$14.03B	$14.52B	$12.86B	$12.45B	$11.99B	$11.44B	$12.56B
Gross Profit Margin	36.62%	38.04%	41.7%	40.21%	39.42%	39.6%	39.56%	45.45%

Selling, General & Admin Expense

Research & Development

Depreciation, Depletion & Amortization

SGA Expense to Gross Profit Ratio

R&D To Gross Profit Ratio

DDA To Gross Profit Ratio

Operating Expenses Total

Operating Profits/Loss

Operational Expenses

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994	1993	1992	1991	1990	1989	1988	1987	1986	1985	1984	1983
Selling, General & Admin	$5.176B	$4.810B	$4.677B	$4.509B	$4.365B	$4.297B	$4.170B	$4.154B	$4.094B	$3.964B	$3.757B	$3.610B	$3.556B	$3.406B	$3.366B	$3.518B	$3.352B	$3.458B	$3.229B	$2.945B	$1.641B	$1.424B	$1.282B	$1.236B	$1.157B	$1.363B	$1.022B	$1.091B	$1.714B	$1.580B	$1.881B	$1.948B	$1.926B	$1.952B	$1.961B	$1.918B	$1.574B	$1.456B	$1.295B	$1.026B	$870.0M
YoY Change	7.61%	2.84%	3.73%	3.3%	1.58%	3.05%	0.39%	1.47%	3.28%	5.51%	4.07%	1.52%	4.4%	1.19%	-4.32%	4.95%	-3.07%	7.09%	9.64%	79.46%	15.24%	11.08%	3.72%	6.83%	-15.11%	33.37%	-6.32%	-36.35%	8.48%	-16.0%	-3.44%	1.14%	-1.33%	-0.46%	2.24%	21.86%	8.1%	12.43%	26.22%	17.93%
% of Gross Profit	34.17%	34.28%	32.22%	35.07%	35.07%	35.84%	36.47%	33.09%
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization	$6.948B	$826.0M	$870.0M	$789.0M	$763.0M	$803.0M	$813.0M	$826.0M	$4.703B	$4.746B	$4.688B	$4.737B	$4.678B	$4.614B	$4.610B	$4.701B	$4.517B	$4.147B	$3.943B	$3.500B	$2.068B	$1.852B	$180.0M	$105.0M	$118.0M	$133.0M	$108.0M	$98.00M	$83.40M	$0.00	$20.20M	$33.70M	$33.10M	$83.20M	$69.60M	$65.80M	$24.10M	$0.00
YoY Change	741.16%	-5.06%	10.27%	3.41%	-4.98%	-1.23%	-1.57%	-82.44%	-0.91%	1.24%	-1.03%	1.26%	1.39%	0.09%	-1.94%	4.07%	8.92%	5.17%	12.66%	69.21%	11.68%	928.89%	71.43%	-11.02%	-11.28%	23.15%	10.2%	17.51%		-100.0%	-40.06%	1.81%	-60.22%	19.54%	5.78%	173.03%
% of Gross Profit	45.86%	5.89%	5.99%	6.14%	6.13%	6.7%	7.11%	6.58%
Operating Expenses	$37.62B	$4.810B	$4.677B	$4.509B	$4.365B	$4.297B	$4.170B	$4.154B	$21.70B	$21.72B	$20.89B	$22.20B	$23.71B	$20.42B	$19.59B	$20.39B	$19.46B	$19.04B	$21.41B	$21.36B	$12.74B	$14.37B	$10.46B	$6.545B	$6.198B	$7.588B	$6.875B	$8.240B	$7.613B	$6.928B	$7.117B	$7.893B	$8.031B	$8.015B	$7.736B	$7.418B	$7.100B	$7.038B	$6.468B	$5.468B	$4.352B
YoY Change	682.06%	2.84%	3.73%	3.3%	1.58%	3.05%	0.39%	-80.86%	-0.06%	3.98%	-5.91%	-6.38%	16.11%	4.24%	-3.94%	4.81%	2.17%	-11.06%	0.22%	67.64%	-11.34%	37.37%	59.86%	5.6%	-18.32%	10.37%	-16.57%	8.24%	9.89%	-2.66%	-9.83%	-1.72%	0.2%	3.61%	4.29%	4.48%	0.88%	8.81%	18.29%	25.64%
Operating Profit	-$22.47B	$9.220B	$9.841B	$8.349B	$8.083B	$7.694B	$7.265B	$8.401B
YoY Change	-343.69%	-6.31%	17.87%	3.29%	5.06%	5.91%	-13.52%

Interest Expenses

Interest Expenses To Operating Income %

Other Expense/Income

Interest & Other Expense/Income

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	1995	1994	1993	1992	1991	1990	1989	1988	1987	1986	1985	1984
Interest Expense	-$376.0M	$351.0M	$340.0M	$339.0M	$344.0M	$352.0M	$369.0M	$363.0M	-$373.0M	-$369.0M	-$361.0M	-$378.0M	-$386.0M	-$388.0M	-$382.0M	-$370.0M	-$346.0M	-$324.0M	-$286.0M	-$236.0M	-$166.0M	-$157.0M	-$44.00M	-$37.00M	-$41.00M	-$40.00M	-$46.00M	-$54.00M	-$42.00M	-$35.00M	-$27.00M	-$16.00M	-$15.00M	-$16.00M
YoY Change	-207.12%	3.24%	0.29%	-1.45%	-2.27%	-4.61%	1.65%	-197.32%	1.08%	2.22%	-4.5%	-2.07%	-0.52%	1.57%	3.24%	6.94%	6.79%	13.29%	21.19%	42.17%	5.73%		18.92%	-9.76%	2.5%	-13.04%	-14.81%	28.57%	20.0%	29.63%	68.75%	6.67%	-6.25%
% of Operating Profit		3.81%	3.45%	4.06%	4.26%	4.57%	5.08%	4.32%
Other Income/Expense, Net
YoY Change

Income/Loss

Pretax Income

Income Tax

Net Profits/Loss

Pretax Income YoY Change

Income Tax Rate

Net Profits/Loss YoY Change

Basic EPS

Net Income To Revenue Ratio

Pretax & Net Income

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994	1993	1992	1991	1990	1989	1988	1987	1986	1985	1984	1983
Pretax Income	$3.371B	$3.354B	$4.458B	$3.237B	$3.138B	$2.961B	$2.730B	$4.053B	$4.740B	$5.089B	$4.945B	$3.166B	$1.352B	$4.306B	$4.711B	$3.716B	$6.216B	$5.725B	$2.671B	$946.0M	$2.229B	-$260.0M	-$1.431B	$1.401B	$951.0M	$120.0M	$1.433B	$991.0M	$864.0M	$531.0M	$626.0M	-$190.0M	$387.0M	$73.00M	$646.0M	$698.0M	$666.0M	$464.0M	-$256.0M	-$395.0M	$80.00M
YoY Change	0.51%	-24.76%	37.72%	3.15%	5.98%	8.46%	-32.64%	-14.49%	-6.86%	2.91%	56.19%	134.17%	-68.6%	-8.6%	26.78%	-40.22%	8.58%	114.34%	182.35%	-57.56%	-957.31%	-81.83%	-202.14%	47.32%	692.5%	-91.63%	44.6%	14.7%	62.71%	-15.18%	-429.47%	-149.1%	430.14%	-88.7%	-7.45%	4.8%	43.53%	-281.25%	-35.19%	-593.75%
Income Tax	$380.0M	$512.0M	$796.0M	$540.0M	$516.0M	$438.0M	$674.0M	$1.039B	$1.301B	$1.397B	$1.272B	$693.0M	-$74.00M	$1.090B	$1.089B	$792.0M	$1.615B	$1.517B	$610.0M	$69.00M	$537.0M	-$477.0M	-$422.0M	$431.0M	$219.0M	-$79.00M	$371.0M	$151.0M	$117.0M	-$166.0M	$68.00M	$7.000M	$126.0M	$115.0M	$100.0M	$105.0M	$83.00M	$67.00M	-$40.00M	-$158.0M	-$176.0M
% Of Pretax Income	11.27%	15.27%	17.86%	16.68%	16.44%	14.79%	24.69%	25.64%	27.45%	27.45%	25.72%	21.89%	-5.47%	25.31%	23.12%	21.31%	25.98%	26.5%	22.84%	7.29%	24.09%			30.76%	23.03%	-65.83%	25.89%	15.24%	13.54%	-31.26%	10.86%		32.56%	157.53%	15.48%	15.04%	12.46%	14.44%			-220.0%
Net Earnings	$2.969B	$2.842B	$3.662B	$2.697B	$2.622B	$2.523B	$2.056B	$3.014B	$3.439B	$3.692B	$3.673B	$2.473B	$1.426B	$3.216B	$3.622B	$2.924B	$4.601B	$4.208B	$1.622B	$955.0M	$1.696B	-$27.00M	-$1.088B	$993.0M	$834.0M	$89.00M	$929.0M	$733.0M	$747.0M	$697.0M	$596.0M	-$128.0M	$229.0M	-$178.0M	$517.0M	$602.0M	$637.0M	$397.0M	-$216.0M	-$238.0M	$256.0M
YoY Change	4.47%	-22.39%	35.78%	2.86%	3.92%	22.71%	-31.79%	-12.36%	-6.85%	0.52%	48.52%	73.42%	-55.66%	-11.21%	23.87%	-36.45%	9.34%	159.43%	69.84%	-43.69%	-6381.48%	-97.52%	-209.57%	19.06%	837.08%	-90.42%	26.74%	-1.87%	7.17%	16.95%	-565.63%	-155.9%	-228.65%	-134.43%	-14.12%	-5.49%	60.45%	-283.8%	-9.24%	-192.97%
Net Earnings / Revenue	7.18%	7.71%	10.52%	8.43%	8.3%	8.33%	7.11%	10.91%	144.56%	13.57%	14.02%	9.61%	5.6%	12.81%	14.68%	11.95%	17.68%	16.77%	6.66%	4.24%	11.2%	-0.19%	-12.05%	12.5%	11.67%	1.15%	11.18%	7.94%	8.77%	9.08%	7.66%	-1.57%	2.69%	-2.18%	6.14%	7.39%	8.17%	5.28%	-3.47%	-4.68%	5.78%
Basic Earnings Per Share	$12.93	$11.91	$14.63	$10.56	$10.01	$9.37	$7.39	$10.39
Diluted Earnings Per Share	$12.79	$11.77	$14.49	$10.52	$9.92	$9.28	$7.33	$10.28	$10.95M	$10.76M	$9.821M	$6.341M	$3.387M	$6.658M	$6.366M	$4.841M	$6.877M	$5.869M	$2.275M	$1.521M	$3.744M	-$65.53K	-$5.132M	$4.262M	$3.390M	$372.4K	$3.687M	$2.863M	$2.907M	$2.788M	$2.423M	-$589.9K	$1.009M	-$784.1K	$2.110M	$2.477M	$2.676M	$1.741M	-$1.064M	-$1.246M	$1.280M

Assets & Liabilities

Cash & Short-Term Investments

Cash & Equivalents

Cash To Operating Expenses Ratio

Inventory

Receivables

Total Short-Term Assets

Property, Plant And Equipment

Long-Term Investments

Total Long-Term Assets

Total Assets

Net Income To Total Assets Percentage

Accounts Payable

Short-Term Debt

Long Term Debt Due

Total Short-Term Liabilities

Long-Term Debt

Other Long-Term Liabilities

Total Long-Term Liabilities

Total Liabilities

Short-Term To Long-Term Debt Ratio

Short-Term Assets To Debt Ratio

Long-Term Debt To Net Income Ratio

Assets & Liabilities

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994	1993	1992	1991	1990	1989	1988	1987	1986	1985	1984	1983
Cash & Short-Term Investments
YoY Change
Cash & Equivalents
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets												$4.806B	$5.186B	$5.343B	$5.797B	$6.350B	$6.696B	$6.554B	$5.516B	$5.629B	$3.121B	$218.0M	$247.0M	$181.0M	$223.0M	$52.00M	$105.0M	$4.878B	$3.702B	$4.272B	$4.077B	$2.745B	$2.992B	$3.067B	$2.361B	$2.260B	$1.838B	$1.752B	$1.824B	$1.396B	$1.115B
YoY Change												-7.33%	-2.94%	-7.83%	-8.71%	-5.17%	2.17%	18.82%	-2.01%	80.36%	1331.65%	-11.74%	36.46%	-18.83%	328.85%	-50.48%	-97.85%	31.77%	-13.34%	4.78%	48.52%	-8.26%	-2.45%	29.9%	4.47%	22.96%	4.91%	-3.95%	30.66%	25.2%
Property, Plant & Equipment	$959.0M	$952.0M	$979.0M	$1.026B	$963.0M	$904.0M	$932.0M	$928.0M	$989.0M	$938.0M	$938.0M	$883.0M	$865.0M	$838.0M	$865.0M	$827.0M	$850.0M	$793.0M	$752.0M	$773.0M	$2.000M	$459.0M	$486.0M	$492.0M	$499.0M	$2.017B	$2.228B	$281.0M	$297.0M	$478.0M	$456.0M	$463.0M	$390.0M	$328.0M	$240.0M	$227.0M	$96.00M	$90.00M	$78.00M	$70.00M	$65.00M
YoY Change	0.74%	-2.76%	-4.58%	6.54%	6.53%	-3.0%	0.43%	-6.17%	5.44%	0.0%	6.23%	2.08%	3.22%	-3.12%	4.59%	-2.71%	7.19%	5.45%	-2.72%	38550.0%	-99.56%	-5.56%	-1.22%	-1.4%	-75.26%	-9.47%	692.88%	-5.39%	-37.87%	4.82%	-1.51%	18.72%	18.9%	36.67%	5.73%	136.46%	6.67%	15.38%	11.43%	7.69%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments	$87.85B	$79.50B	$86.40B	$83.40B	$76.92B	$71.37B	$71.57B	$69.56B	$69.48B	$72.32B	$72.22B	$72.96B	$71.84B	$71.88B	$74.10B	$69.91B	$73.97B	$71.48B	$67.39B	$63.40B	$38.44B	$21.86B	$21.21B	$21.03B	$24.43B	$24.99B	$24.35B	$24.44B	$23.67B	$21.72B	$22.73B	$20.92B	$21.14B	$19.69B	$19.00B	$17.49B	$14.54B	$12.67B	$10.42B	$8.162B	$7.632B
YoY Change	10.5%	-7.98%	3.6%	8.42%	7.77%	-0.27%	2.89%	0.11%	-3.93%	0.14%	-1.0%	1.56%	-0.07%	-2.99%	5.99%	-5.48%	3.49%	6.06%	6.29%	64.94%	75.85%	3.08%	0.85%	-13.91%	-2.26%	2.62%	-0.36%	3.28%	8.93%	-4.43%	8.64%	-1.03%	7.37%	3.62%	8.66%	20.29%	14.77%	21.51%	27.71%	6.94%
Other Assets	$1.504B	$1.877B			$0.00	$445.0M	$70.00M	$465.0M	$296.0M	$33.00M	$303.0M	$0.00	$7.000M	$493.0M	$672.0M	$1.965B	$1.207B	$1.536B	$2.062B	$4.239B	$678.0M	$1.267B	$1.248B	$930.0M	$1.262B	$1.193B	$1.214B	$908.0M	$522.0M	$791.0M	$425.0M	$584.0M	$409.0M	$241.0M	$92.00M	$25.00M	$0.00	$0.00	$0.00	$0.00	$125.0M
YoY Change	-19.87%				-100.0%	535.71%	-84.95%	57.09%	796.97%	-89.11%		-100.0%	-98.58%	-26.64%	-65.8%	62.8%	-21.42%	-25.51%	-51.36%	525.22%	-46.49%	1.52%	34.19%	-26.31%	5.78%	-1.73%	33.7%	73.95%	-34.01%	86.12%	-27.23%	42.79%	69.71%	161.96%	268.0%					-100.0%
Total Long-Term Assets												$100.1B	$99.39B	$100.3B	$103.8B	$103.3B	$108.5B	$108.7B	$107.7B	$105.6B	$61.75B	$39.74B	$38.07B	$35.32B	$38.33B	$37.81B	$37.25B	$30.21B	$29.47B	$27.20B	$27.55B	$25.78B	$24.48B	$23.01B	$22.18B	$20.48B	$16.70B	$14.81B	$12.75B	$10.03B	$9.291B
YoY Change												0.75%	-0.92%	-3.32%	0.47%	-4.83%	-0.19%	0.99%	1.94%	71.04%	55.38%	4.38%	7.79%	-7.86%	1.38%	1.5%	23.32%	2.52%	8.32%	-1.27%	6.87%	5.33%	6.39%	3.71%	8.3%	22.63%	12.76%	16.2%	27.1%	7.95%
Total Assets	$126.0B	$115.7B	$120.5B	$116.8B	$110.1B	$104.2B	$103.5B	$100.2B	$100.2B	$103.1B	$103.8B	$104.9B	$104.6B	$105.7B	$109.6B	$109.6B	$115.2B	$115.3B	$113.2B	$111.2B	$64.87B	$39.96B	$38.32B	$35.50B	$38.56B	$37.86B	$37.36B	$35.09B	$33.17B	$31.48B	$31.63B	$28.53B	$27.47B	$26.07B	$24.54B	$22.74B	$18.54B	$16.57B	$14.57B	$11.43B	$10.41B
YoY Change
Accounts Payable																											$0.00	$0.00	$0.00	$1.191B	$1.084B	$935.0M	$879.0M	$845.0M	$479.0M	$653.0M	$148.0M	$175.0M	$154.0M	$0.00	$0.00
YoY Change																													-100.0%	9.87%	15.94%	6.37%	4.02%	76.41%	-26.65%	341.22%	-15.43%	13.64%
Accrued Expenses																						$963.0M	$1.036B	$1.031B	$1.138B	$1.225B	$1.328B	$2.300B	$2.156B	$2.054B	$2.065B	$1.955B	$2.057B	$1.343B	$1.501B	$979.0M	$814.0M	$906.0M	$974.0M	$770.0M	$857.0M
YoY Change																						-7.05%	0.48%	-9.4%	-7.1%	-7.76%	-42.26%	6.68%	4.97%	-0.53%	5.63%	-4.96%	53.16%	-10.53%	53.32%	20.27%	-10.15%	-6.98%	26.49%	-10.15%
Deferred Revenue
YoY Change
Short-Term Debt	$100.0M	$100.0M	$100.0M	$100.0M	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$600.0M	$350.0M	$100.0M	$121.0M	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
YoY Change	0.0%	0.0%	0.0%								-100.0%	71.43%	250.0%	-17.36%
Long-Term Debt Due			$0.00	$0.00	$600.0M	$600.0M	$600.0M	$550.0M	$500.0M	$500.0M	$100.0M			$9.000M	$252.0M												$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$22.00M	$14.00M	$31.00M	$129.0M	$0.00	$172.0M	$569.0M	$44.00M	$0.00
YoY Change				-100.0%	0.0%	0.0%	9.09%	10.0%	0.0%	400.0%				-96.43%																		-100.0%	57.14%	-54.84%	-75.97%		-100.0%	-69.77%	1193.18%
Total Short-Term Liabilities	$3.269B	$3.696B	$4.011B	$4.361B	$5.219B	$5.385B	$5.375B	$5.159B	$4.874B	$4.862B	$4.428B	$5.406B	$5.536B	$5.452B	$6.170B	$6.350B	$6.696B	$6.554B	$5.516B	$5.629B	$3.121B	$963.0M	$1.036B	$1.201B	$1.449B	$1.446B	$1.632B	$2.519B	$2.295B	$3.429B	$3.312B	$2.999B	$3.089B	$2.312B	$2.068B	$1.786B	$979.0M	$1.264B	$1.710B	$821.0M	$863.0M
YoY Change	-11.55%	-7.85%	-8.03%	-16.44%	-3.08%	0.19%	4.19%	5.85%	0.25%	9.8%	-18.09%	-2.35%	1.54%	-11.64%	-2.83%	-5.17%	2.17%	18.82%	-2.01%	80.36%	224.09%	-7.05%	-13.74%	-17.12%	0.21%	-11.4%	-35.21%	9.76%	-33.07%	3.53%	10.44%	-2.91%	33.61%	11.8%	15.79%	82.43%	-22.55%	-26.08%	108.28%	-4.87%
Long-Term Debt	$8.031B	$7.192B	$7.190B	$6.450B	$5.958B	$5.964B	$5.971B	$5.887B	$5.844B	$5.849B	$6.246B	$5.750B	$6.255B	$6.502B	$6.154B	$6.181B	$6.242B	$5.760B	$5.850B	$6.313B	$2.675B	$3.602B	$3.023B	$1.984B	$1.891B	$1.763B	$1.807B	$1.171B	$1.304B	$1.251B	$1.267B	$1.183B	$1.142B	$1.239B	$893.0M	$791.0M	$506.0M	$401.0M	$379.0M	$229.0M	$196.0M
YoY Change	11.67%	0.03%	11.47%	8.26%	-0.1%	-0.12%	1.43%	0.74%	-0.09%	-6.36%	8.63%	-8.07%	-3.8%	5.65%	-0.44%	-0.98%	8.37%	-1.54%	-7.33%	136.0%	-25.74%	19.15%	52.37%	4.92%	7.26%	-2.43%	54.31%	-10.2%	4.24%	-1.26%	7.1%	3.59%	-7.83%	38.75%	12.9%	56.32%	26.18%	5.8%	65.5%	16.84%
Other Long-Term Liabilities	$6.740B	$5.961B	$6.329B	$6.095B	$6.049B	$5.478B	$5.567B	$5.427B	$5.306B	$5.506B	$5.299B	$5.530B	$5.424B	$5.293B	$5.287B	$5.574B	$6.125B	$6.642B	$6.781B	$6.827B	$5.002B	$2.210B	$2.147B	$2.186B	$2.436B	$2.308B	$1.557B	$489.0M	$378.0M	$156.0M	$137.0M	$143.0M	$717.0M	$761.0M	$611.0M	$1.041B	$858.0M	$880.0M	$849.0M	$618.0M	$293.0M
YoY Change	13.07%	-5.81%	3.84%	0.76%	10.42%	-1.6%	2.58%	2.28%	-3.63%	3.91%	-4.18%	1.95%	2.47%	0.11%	-5.15%	-9.0%	-7.78%	-2.05%	-0.67%	36.49%	126.33%	2.93%	-1.78%	-10.26%	5.55%	48.23%	218.4%	29.37%	142.31%	13.87%	-4.2%	-80.06%	-5.78%	24.55%	-41.31%	21.33%	-2.5%	3.65%	37.38%	110.92%
Total Long-Term Liabilities	$14.77B	$13.15B	$13.52B	$12.55B	$12.01B	$11.44B	$11.54B	$11.31B	$11.15B	$11.36B	$11.55B	$11.28B	$11.68B	$11.80B	$11.44B	$11.76B	$12.37B	$12.40B	$12.63B	$13.14B	$7.677B	$5.812B	$5.170B	$4.170B	$4.327B	$4.071B	$3.364B	$1.660B	$1.682B	$1.407B	$1.404B	$1.326B	$1.859B	$2.000B	$1.504B	$1.832B	$1.364B	$1.281B	$1.228B	$847.0M	$489.0M
YoY Change	12.3%	-2.71%	7.76%	4.48%	4.94%	-0.83%	1.98%	1.47%	-1.81%	-1.65%	2.35%	-3.42%	-0.98%	3.09%	-2.67%	-4.95%	-0.28%	-1.81%	-3.87%	71.16%	32.09%	12.42%	23.98%	-3.63%	6.29%	21.02%	102.65%	-1.31%	19.55%	0.21%	5.88%	-28.67%	-7.05%	32.98%	-17.9%	34.31%	6.48%	4.32%	44.98%	73.21%
Total Liabilities	$101.1B	$94.16B	$91.58B	$87.56B	$84.18B	$81.34B	$79.75B	$77.02B	$76.59B	$78.24B	$79.02B	$79.53B	$80.10B	$80.18B	$82.15B	$84.31B	$88.61B	$90.16B	$90.88B	$90.05B	$52.89B	$34.21B	$33.21B	$28.28B	$32.08B	$31.23B	$30.75B	$29.12B	$27.46B	$27.30B	$27.07B	$25.05B	$23.61B	$22.67B	$20.19B	$18.67B	$15.11B	$13.55B	$12.35B	$9.413B	$7.897B
YoY Change	7.33%	2.82%	4.59%	4.02%	3.49%	1.99%	3.54%	0.57%	-2.12%	-0.98%	-0.65%	-0.71%	-0.1%	-2.39%	-2.57%	-4.85%	-1.72%	-0.8%	0.93%	70.27%	54.58%	3.03%	17.44%	-11.87%	2.74%	1.55%	5.62%	6.04%	0.58%	0.84%	8.04%	6.1%	4.16%	12.3%	8.11%	23.63%	11.49%	9.74%	31.15%	19.2%

Ownership

Basic Shares Outstanding

Diluted Shares Outstanding

Preferred Stock

Treasury Stock Shares

Stock Issuance & Repurchase

Ownership Data

Concept	2023	2022	2021	2020	2019	2018	2017	2016
Basic Shares Outstanding	229.7M shares	237.0M shares	248.5M shares	253.5M shares	260.0M shares	267.4M shares	276.0M shares	288.1M shares
Diluted Shares Outstanding	232.2M shares	239.7M shares	250.8M shares	254.6M shares	262.3M shares	269.8M shares	278.6M shares	291.0M shares
Preferred Stock
Treasury Stock Shares

Return On Shareholders' Equity

Book Value

Free Cash Flow

Free Cash Flow YoY

Free Cash Flow Margin

Dividends

Stock Price

Market Cap: $59.429 Billion

About TRAVELERS COMPANIES, INC.

The Travelers Cos., Inc. is a holding company, which engages in the provision of commercial and personal property and casualty insurance products and services. The company is headquartered in Saint Paul, Minnesota and currently employs 33,300 full-time employees. The firm's segments include Business Insurance, Bond & Specialty Insurance, and Personal Insurance. The Business Insurance segment offers a broad array of property and casualty insurance products and services. The Bond & Specialty Insurance segment offers surety, fidelity, management liability, professional liability, and other property and casualty coverages and related risk management services, primarily in the United States, and certain surety and specialty insurance products in Canada, the United Kingdom and the Republic of Ireland, as well as Brazil. The Personal Insurance segment offers a broad range of property and casualty insurance products and services covering individuals personal risks, primarily in the United States, as well as in Canada. The Company, through its subsidiary, Corvus Insurance Holdings, Inc., is a cyber insurance managing general underwriter.

Industry: Fire, Marine & Casualty Insurance Peers: ALLSTATE CORP AMERICAN FINANCIAL GROUP INC BERKLEY W R CORP CINCINNATI FINANCIAL CORP CNA FINANCIAL CORP ERIE INDEMNITY CO LOEWS CORP MARKEL GROUP INC. PROGRESSIVE CORP/OH/