Net margin
12.9% Fiscal year 2025
Rank 47 of 100: higher than 47% of 237 peers (All). medium.
Rank 14 of 100: higher than 14% of 33 peers (Sector). weak.
Median Financials: 26.2%
Profit after all costs, interest and taxes divided by revenue.
About the company
Travelers is a major US property and casualty insurer. The company insures businesses against damage and liability and offers auto and homeowners insurance to individuals. It operates mainly in the US, plus Canada and the UK. As of Oct 11, 2026
Fact sheet (from the annual report) Property and casualty insurance · Saint Paul, USA
Travelers is a holding company whose subsidiaries offer property and casualty insurance for businesses, government agencies, associations and individuals. Its business segments are business insurance, bond and specialty insurance and personal insurance. The commercial business is active mainly in the United States, as well as in the United Kingdom, Ireland and other countries. Sales run mainly through independent agents and brokers, and for personal lines also directly and through partners such as employers and consumer associations. In January 2026 Travelers completed the sale of its Canadian personal lines business and most of its Canadian commercial business; the company kept the surety business in Canada.
Automatically summarized from SEC annual report (10-K, filed Feb 12, 2026) (website of the US Securities and Exchange Commission) · reviewed Oct 15, 2026
Price performance at a glance
Last 30 trading days
- Today −0.8%
- 7 days +0.3%
- 30 days +9.4%
- 1 year +46.9%
Day range (last trading day)
−1.0%Price at 55% of the range+0.8%
52-week range
−33.4%Price at 93% of the range+2.7%
- Distance from the all-time high
- −2.7%
Our own calculation from the exchange’s daily candles, as of Oct 27, 2026. “All-time” applies since the start of this series, not to the whole market. Changes in percent; the TradingView chart shows prices. “Today” = change of the last trading day versus the previous day. Not investment advice.
Gap with volume · Analysis method
This method currently detects no pattern for TRV. The check runs daily after the close.
You see new patterns immediately from Watcher, on the free plan 2 days after they form. Plans and pricing
What does the pattern show?
What is this? After strong news, usually earnings, the price opened above the previous day’s high and closed much higher on heavy volume. Such moves often continue for a few more days.
This is a calculated analysis, not a forecast and not a call to buy. Risk notice and investment advice
Fundamental analysis
SEC filing (10-K, 10-Q)Required reports of listed companies to the US Securities and Exchange Commission (SEC): 10-K is the annual report, 10-Q the quarterly report, 20-F the annual report of foreign companies. We show the figures of the first filing.Example: 10-K for the fiscal year ending Sep 27, 2025, filed on Oct 31, 2025.More in the Academy: Lesson revenue, profit and marginTravelers Companies (The) · Sector Financials · amounts in USD
Information only – does not affect the other analysis methods, not investment advice. Source: SEC filings, As of Feb 12, 2026.
Quality checks
Four angles on the annual figures. Each check counts how many disclosed criteria are met – criteria without data do not count. The bars show where the company ranks on each figure among the stocks we cover and within its sector.
Fiscal year to Dec 31, 2025
Quality
Profitability, consistency, balance sheet · 4 without data
3 of 4 criteria met
Growth
Revenue and earnings per share
7 of 7 criteria met
Dividend
Level, consistency, coverage · 6 without data
0 of 1 criteria met
Financial strength
Piotroski, debt, liquidity · 4 without data
2 of 2 criteria met
Quality 3 of 4 met · 4 without data
- no data: Gross margin above 40% not stated in the SEC filings
- no data: Operating margin above 15% not stated in the SEC filings
- met: Net margin above 10% 12.9%
- met: Return on equity above 15% 19.1%
- no data: Free cash flow margin above 10% not stated in the SEC filings
- met: Profit in each of the last 5 fiscal years 5 of 5
- no data: Free cash flow positive in each of the last 3 fiscal years not stated in the SEC filings
- not met: Equity ratio above 30% 22.9%
Return on equity
19.1% Fiscal year 2025
Rank 55 of 100: higher than 55% of 218 peers (All). medium.
Rank 70 of 100: higher than 70% of 32 peers (Sector). strong.
Median Financials: 13.9%
Net income divided by equity at fiscal year end.
Return on assets
4.4% Fiscal year 2025 (total assets at year end)
Rank 40 of 100: higher than 40% of 238 peers (All). medium.
Rank 68 of 100: higher than 68% of 33 peers (Sector). strong.
Median Financials: 2.4%
Net income divided by total assets at fiscal year end.
Equity ratio
22.9% Fiscal year 2025
Rank 31 of 100: higher than 31% of 239 peers (All). weak.
Rank 59 of 100: higher than 59% of 33 peers (Sector). medium.
Median Financials: 18.2%
Equity as a share of total assets. Usually low for banks.
Growth 7 of 7 met
- met: Over 3 years, revenue grew by more than 5% per year +9.8%
- met: Over 5 years, revenue grew by more than 5% per year +8.8%
- met: Over 10 years, revenue grew by more than 5% per year +6.2%
- met: Over 3 years, EPS grew by more than 5% per year +32.6%
- met: Over 5 years, EPS grew by more than 5% per year +21.1%
- met: Revenue rose in at least 4 of the last 5 fiscal years 5 of 5
- met: Revenue rose in the last fiscal year +5.2%
Revenue growth 3 years
+9.8% per year
Rank 55 of 100: higher than 55% of 230 peers (All). medium.
Rank 52 of 100: higher than 52% of 32 peers (Sector). medium.
Median Financials: +9.7%
Average growth per year over 3 fiscal years.
Revenue growth 5 years
+8.8% per year
Rank 40 of 100: higher than 40% of 217 peers (All). medium.
Rank 43 of 100: higher than 43% of 29 peers (Sector). medium.
Median Financials: +9.1%
Average growth per year over 5 fiscal years.
Revenue growth 10 years
+6.2% per year
Rank 45 of 100: higher than 45% of 157 peers (All). medium.
Rank 37 of 100: higher than 37% of 23 peers (Sector). medium.
Median Financials: +7.2%
Average growth per year over 10 fiscal years.
EPS growth 3 years
+32.6% per year
Rank 84 of 100: higher than 84% of 157 peers (All). strong.
Rank 85 of 100: higher than 85% of 24 peers (Sector). strong.
Median Financials: +17.6%
Growth of earnings per share per year, adjusted for stock splits.
EPS growth 5 years
+21.1% per year
Rank 71 of 100: higher than 71% of 146 peers (All). strong.
Rank 82 of 100: higher than 82% of 25 peers (Sector). strong.
Median Financials: +14.8%
Growth of earnings per share per year, adjusted for stock splits.
EPS growth 10 years
+9.7% per year
Rank 48 of 100: higher than 48% of 140 peers (All). medium.
Rank 27 of 100: higher than 27% of 24 peers (Sector). weak.
Median Financials: +11.5%
Growth of earnings per share per year, adjusted for stock splits.
Dividend 0 of 1 met · 6 without data
- not met: Pays a dividend no dividend per share reported for the last fiscal year
- no data: Payout ratio at most 60% of earnings pays no dividend
- no data: Dividend paid in each of the last 5 fiscal years pays no dividend
- no data: Dividend per share never lowered in the last 5 fiscal years pays no dividend
- no data: Dividend per share higher than 5 years ago pays no dividend
- no data: Free cash flow per share covers the dividend pays no dividend
- no data: Dividends paid over the last 5 years covered by free cash flow pays no dividend
Financial strength 2 of 2 met · 4 without data
- no data: Piotroski F-Score at least 7 of 9 not meaningful for banks and insurers
- no data: Long-term debt no higher than equity no long-term debt reported
- no data: Current assets cover current liabilities not reported (usual for banks and insurers)
- met: Positive equity 32.9B USD
- met: In 5 years, share count up by at most 5% −10.6%
- no data: Free cash flow positive in the last fiscal year capital expenditure or operating cash flow not reported
Change in share count
−10.6% in 5 years
Rank 82 of 100: lower than 82% of 199 peers (All). strong.
Rank 65 of 100: lower than 65% of 24 peers (Sector). medium.
Median Financials: −6.1%
Change in diluted share count. Negative = share buybacks, positive = new shares.
Banks and insurers usually do not report gross margin, current assets or capital expenditure – those criteria then do not count. Debt is part of their business.
Price-based criteria (P/E, dividend yield) are shown to signed-in users.
Computed automatically from SEC annual reports – not investment advice. Describes the reported figures; points are not a rating of the stock. Rank 0–100 against the 239 stocks we cover and against the sector (from 5 peers); the stronger side is always on the right.
In short
- Light green: Revenue grew over 5 years (+8.8% per year), at least as fast as the sector median.
- Light green: Net income (total) grew over 5 years (+18.4% per year), at least as fast as the sector median; per share +21.1% per year.
- Light yellow: Net margin 12.9%, below the sector median (19.4%).
- Light green: Profit in each of the last 10 fiscal years.
Summarized from the lights below. Describes the reported figures – not a recommendation to buy or sell.
- Fiscal year 2016 (Jan 1, 2016 – Dec 31, 2016): Revenue 27.6B USD · Net income 3.0B USD · Net margin 10.9%
- Fiscal year 2017 (Jan 1, 2017 – Dec 31, 2017): Revenue 28.9B USD · Net income 2.1B USD · Net margin 7.1%
- Fiscal year 2018 (Jan 1, 2018 – Dec 31, 2018): Revenue 30.3B USD · Net income 2.5B USD · Net margin 8.3%
- Fiscal year 2019 (Jan 1, 2019 – Dec 31, 2019): Revenue 31.6B USD · Net income 2.6B USD · Net margin 8.3%
- Fiscal year 2020 (Jan 1, 2020 – Dec 31, 2020): Revenue 32.0B USD · Net income 2.7B USD · Net margin 8.4%
- Fiscal year 2021 (Jan 1, 2021 – Dec 31, 2021): Revenue 34.8B USD · Net income 3.7B USD · Net margin 10.5%
- Fiscal year 2022 (Jan 1, 2022 – Dec 31, 2022): Revenue 36.9B USD · Net income 2.8B USD · Net margin 7.7%
- Fiscal year 2023 (Jan 1, 2023 – Dec 31, 2023): Revenue 41.4B USD · Net income 3.0B USD · Net margin 7.2%
- Fiscal year 2024 (Jan 1, 2024 – Dec 31, 2024): Revenue 46.4B USD · Net income 5.0B USD · Net margin 10.8%
- Fiscal year 2025 (Jan 1, 2025 – Dec 31, 2025): Revenue 48.8B USD · Net income 6.3B USD · Net margin 12.9%
- Quarter Q4/23 (Oct 1, 2023 – Dec 31, 2023): Revenue 10.9B USD · Net income 1.6B USD · Net margin 14.9% · Q4 derived (year minus 9 months), may be distorted by restatements
- Quarter Q1/24 (Jan 1, 2024 – Mar 31, 2024): Revenue 11.2B USD · Net income 1.1B USD · Net margin 10.0%
- Quarter Q2/24 (Apr 1, 2024 – Jun 30, 2024): Revenue 11.3B USD · Net income 534.0M USD · Net margin 4.7%
- Quarter Q3/24 (Jul 1, 2024 – Sep 30, 2024): Revenue 11.9B USD · Net income 1.3B USD · Net margin 10.6%
- Quarter Q4/24 (Oct 1, 2024 – Dec 31, 2024): Revenue 12.0B USD · Net income 2.1B USD · Net margin 17.3% · Q4 derived (year minus 9 months), may be distorted by restatements
- Quarter Q1/25 (Jan 1, 2025 – Mar 31, 2025): Revenue 11.8B USD · Net income 395.0M USD · Net margin 3.3%
- Quarter Q2/25 (Apr 1, 2025 – Jun 30, 2025): Revenue 12.1B USD · Net income 1.5B USD · Net margin 12.5%
- Quarter Q3/25 (Jul 1, 2025 – Sep 30, 2025): Revenue 12.5B USD · Net income 1.9B USD · Net margin 15.1%
- Quarter Q4/25 (Oct 1, 2025 – Dec 31, 2025): Revenue 12.4B USD · Net income 2.5B USD · Net margin 20.1% · Q4 derived (year minus 9 months), may be distorted by restatements
- Quarter Q1/26 (Jan 1, 2026 – Mar 31, 2026): Revenue 11.9B USD · Net income 1.7B USD · Net margin 14.3%
- Quarter Q2/26 (Apr 1, 2026 – Jun 30, 2026): Revenue 12.2B USD · Net income 2.2B USD · Net margin 18.2%
- Quarter Q3/26 (Jul 1, 2026 – Sep 30, 2026): Revenue 12.4B USD · Net income 1.9B USD · Net margin 15.4%
- Fiscal year 2016 (Jan 1, 2016 – Dec 31, 2016): Earnings per share 10.28 USD
- Fiscal year 2017 (Jan 1, 2017 – Dec 31, 2017): Earnings per share 7.33 USD
- Fiscal year 2018 (Jan 1, 2018 – Dec 31, 2018): Earnings per share 9.28 USD
- Fiscal year 2019 (Jan 1, 2019 – Dec 31, 2019): Earnings per share 9.92 USD
- Fiscal year 2020 (Jan 1, 2020 – Dec 31, 2020): Earnings per share 10.52 USD
- Fiscal year 2021 (Jan 1, 2021 – Dec 31, 2021): Earnings per share 14.49 USD
- Fiscal year 2022 (Jan 1, 2022 – Dec 31, 2022): Earnings per share 11.77 USD
- Fiscal year 2023 (Jan 1, 2023 – Dec 31, 2023): Earnings per share 12.79 USD
- Fiscal year 2024 (Jan 1, 2024 – Dec 31, 2024): Earnings per share 21.47 USD
- Fiscal year 2025 (Jan 1, 2025 – Dec 31, 2025): Earnings per share 27.43 USD
- Quarter Q4/23 (Oct 1, 2023 – Dec 31, 2023): Earnings per share not reported separately for Q4
- Quarter Q1/24 (Jan 1, 2024 – Mar 31, 2024): Earnings per share 4.80 USD
- Quarter Q2/24 (Apr 1, 2024 – Jun 30, 2024): Earnings per share 2.29 USD
- Quarter Q3/24 (Jul 1, 2024 – Sep 30, 2024): Earnings per share 5.42 USD
- Quarter Q4/24 (Oct 1, 2024 – Dec 31, 2024): Earnings per share not reported separately for Q4
- Quarter Q1/25 (Jan 1, 2025 – Mar 31, 2025): Earnings per share 1.70 USD
- Quarter Q2/25 (Apr 1, 2025 – Jun 30, 2025): Earnings per share 6.53 USD
- Quarter Q3/25 (Jul 1, 2025 – Sep 30, 2025): Earnings per share 8.24 USD
- Quarter Q4/25 (Oct 1, 2025 – Dec 31, 2025): Earnings per share not reported separately for Q4
- Quarter Q1/26 (Jan 1, 2026 – Mar 31, 2026): Earnings per share 7.78 USD
- Quarter Q2/26 (Apr 1, 2026 – Jun 30, 2026): Earnings per share 10.26 USD
- Quarter Q3/26 (Jul 1, 2026 – Sep 30, 2026): Earnings per share 9.04 USD
- Fiscal year 2016 (Jan 1, 2016 – Dec 31, 2016): Dividend per share 2.62 USD · Payout ratio 25.5%
- Fiscal year 2017 (Jan 1, 2017 – Dec 31, 2017): Dividend per share 2.83 USD · Payout ratio 38.6%
- Fiscal year 2018 (Jan 1, 2018 – Dec 31, 2018): Dividend per share not available · Payout ratio not available
- Fiscal year 2019 (Jan 1, 2019 – Dec 31, 2019): Dividend per share not available · Payout ratio not available
- Fiscal year 2020 (Jan 1, 2020 – Dec 31, 2020): Dividend per share not available · Payout ratio not available
- Fiscal year 2021 (Jan 1, 2021 – Dec 31, 2021): Dividend per share not available · Payout ratio not available
- Fiscal year 2022 (Jan 1, 2022 – Dec 31, 2022): Dividend per share not available · Payout ratio not available
- Fiscal year 2023 (Jan 1, 2023 – Dec 31, 2023): Dividend per share not available · Payout ratio not available
- Fiscal year 2024 (Jan 1, 2024 – Dec 31, 2024): Dividend per share not available · Payout ratio not available
- Fiscal year 2025 (Jan 1, 2025 – Dec 31, 2025): Dividend per share not available · Payout ratio not available
- Quarter Q4/23 (Oct 1, 2023 – Dec 31, 2023): Dividend per share not available · Payout ratio not available · Q4 derived (year minus 9 months), may be distorted by restatements
- Quarter Q1/24 (Jan 1, 2024 – Mar 31, 2024): Dividend per share 1.00 USD · Payout ratio 20.8%
- Quarter Q2/24 (Apr 1, 2024 – Jun 30, 2024): Dividend per share 1.05 USD · Payout ratio 45.9%
- Quarter Q3/24 (Jul 1, 2024 – Sep 30, 2024): Dividend per share 1.05 USD · Payout ratio 19.4%
- Quarter Q4/24 (Oct 1, 2024 – Dec 31, 2024): Dividend per share not available · Payout ratio not available · Q4 derived (year minus 9 months), may be distorted by restatements
- Quarter Q1/25 (Jan 1, 2025 – Mar 31, 2025): Dividend per share 1.05 USD · Payout ratio 61.8%
- Quarter Q2/25 (Apr 1, 2025 – Jun 30, 2025): Dividend per share 1.10 USD · Payout ratio 16.8%
- Quarter Q3/25 (Jul 1, 2025 – Sep 30, 2025): Dividend per share 1.10 USD · Payout ratio 13.3%
- Quarter Q4/25 (Oct 1, 2025 – Dec 31, 2025): Dividend per share not available · Payout ratio not available · Q4 derived (year minus 9 months), may be distorted by restatements
- Quarter Q1/26 (Jan 1, 2026 – Mar 31, 2026): Dividend per share 1.10 USD · Payout ratio 14.1%
- Quarter Q2/26 (Apr 1, 2026 – Jun 30, 2026): Dividend per share 1.25 USD · Payout ratio 12.2%
- Quarter Q3/26 (Jul 1, 2026 – Sep 30, 2026): Dividend per share 1.25 USD · Payout ratio 13.8%
Fiscal year 2025 (Jan 1, 2025 – Dec 31, 2025): Revenue 48.8B USD · Net income 6.3B USD · Net margin 12.9%
Figures over time
Where the money of a fiscal year goes and how margins, returns, balance sheet, cash flow and share count developed over up to 10 years. Each chart has one sentence saying what the trend shows.
Money flow in fiscal year 2025
Of 100 USD of revenue, 12.9 USD net income remained.
Money flow as a table
| Item | Amount | of revenue |
|---|---|---|
| Revenue | 48.8B USD | 100.0% |
| Net income | 6.3B USD | 12.9% |
| Interest expense | 425.0M USD | 0.9% |
| Taxes | 1.5B USD | 3.1% |
| Remaining costs & other | 40.6B USD | 83.2% |
Taxes, interest and other items are not available separately in the SEC data; they are combined as the difference.
Margins
The net margin rose in 5 years from 8.4% to 12.9%.
Net margin- Fiscal year 2016: Net margin 10.9%
- Fiscal year 2017: Net margin 7.1%
- Fiscal year 2018: Net margin 8.3%
- Fiscal year 2019: Net margin 8.3%
- Fiscal year 2020: Net margin 8.4%
- Fiscal year 2021: Net margin 10.5%
- Fiscal year 2022: Net margin 7.7%
- Fiscal year 2023: Net margin 7.2%
- Fiscal year 2024: Net margin 10.8%
- Fiscal year 2025: Net margin 12.9%
Returns
Return on equity rose in 5 years from 9.2% to 19.1%.
Return on equityReturn on assets- Fiscal year 2016: Return on equity 13.0% · Return on assets 3.0%
- Fiscal year 2017: Return on equity 8.7% · Return on assets 2.0%
- Fiscal year 2018: Return on equity 11.0% · Return on assets 2.4%
- Fiscal year 2019: Return on equity 10.1% · Return on assets 2.4%
- Fiscal year 2020: Return on equity 9.2% · Return on assets 2.3%
- Fiscal year 2021: Return on equity 12.7% · Return on assets 3.0%
- Fiscal year 2022: Return on equity 13.2% · Return on assets 2.5%
- Fiscal year 2023: Return on equity 12.0% · Return on assets 2.4%
- Fiscal year 2024: Return on equity 17.9% · Return on assets 3.8%
- Fiscal year 2025: Return on equity 19.1% · Return on assets 4.4%
Equity and long-term debt
The equity ratio fell in 5 years from 25.0% to 22.9%.
Equity in USD Long-term debt, depending on the filing, includes the current portion or leases.- Fiscal year 2016: Equity 23.2B USD
- Fiscal year 2017: Equity 23.7B USD
- Fiscal year 2018: Equity 22.9B USD
- Fiscal year 2019: Equity 25.9B USD
- Fiscal year 2020: Equity 29.2B USD
- Fiscal year 2021: Equity 28.9B USD
- Fiscal year 2022: Equity 21.6B USD
- Fiscal year 2023: Equity 24.9B USD
- Fiscal year 2024: Equity 27.9B USD
- Fiscal year 2025: Equity 32.9B USD
Share count
The share count fell in 5 years by 10.6% (mostly through share repurchases).
Diluted share count- Fiscal year 2016: Diluted share count 291.0M
- Fiscal year 2017: Diluted share count 278.6M
- Fiscal year 2018: Diluted share count 269.8M
- Fiscal year 2019: Diluted share count 262.3M
- Fiscal year 2020: Diluted share count 254.6M
- Fiscal year 2021: Diluted share count 250.8M
- Fiscal year 2022: Diluted share count 239.7M
- Fiscal year 2023: Diluted share count 232.2M
- Fiscal year 2024: Diluted share count 231.1M
- Fiscal year 2025: Diluted share count 227.6M
Banks and insurers: gross margin, current assets and capital expenditure are usually not reported and cash flow is not meaningful there – those lines and charts are omitted.
From annual reports filed with the SEC (10-K, 20-F, 40-F) as first reported, share count adjusted for splits; obvious filing errors (e.g. wrong unit, outliers against both neighbouring years) are hidden. Describes the reported figures – not investment advice.
Dividends and share repurchases
How much the company returns to its shareholders – as dividends or by repurchasing its own shares – and whether free cash flow supports it.
- Dividend per share
- – dividend for the last fiscal year not reported as an annual figure
- Dividend growth per year
- 3 y –5 y –10 y –
- Payout ratio
- of earnings – of free cash flow –
- To shareholders (5 years)
- 13.7B USD 67% through repurchases
- Share count over 5 years
- −10.6% fewer shares – each share is a larger stake
Dividend per share
Last reported for fiscal year 2017.
Dividend per share USD per share Per share as filed with the SEC, including special dividends; obvious filing errors are hidden.- Fiscal year 2016: Dividend per share 2.62 USD
- Fiscal year 2017: Dividend per share 2.83 USD
- Fiscal year 2018: Dividend per share not available
- Fiscal year 2019: Dividend per share not available
- Fiscal year 2020: Dividend per share not available
- Fiscal year 2021: Dividend per share not available
- Fiscal year 2022: Dividend per share not available
- Fiscal year 2023: Dividend per share not available
- Fiscal year 2024: Dividend per share not available
- Fiscal year 2025: Dividend per share not available
Payout ratios
Last reported for fiscal year 2017.
Payout ratio (earnings)- Fiscal year 2016: Payout ratio (earnings) 25.5%
- Fiscal year 2017: Payout ratio (earnings) 38.6%
- Fiscal year 2018: Payout ratio (earnings) not available
- Fiscal year 2019: Payout ratio (earnings) not available
- Fiscal year 2020: Payout ratio (earnings) not available
- Fiscal year 2021: Payout ratio (earnings) not available
- Fiscal year 2022: Payout ratio (earnings) not available
- Fiscal year 2023: Payout ratio (earnings) not available
- Fiscal year 2024: Payout ratio (earnings) not available
- Fiscal year 2025: Payout ratio (earnings) not available
What goes back to shareholders
Over 5 years, 13.7B USD went back to shareholders, 67% of it through share repurchases.
Dividends paidShare repurchasesNew shares issued (including employee plans)Free cash flow in USD- Fiscal year 2016: Dividends paid 757.0M USD · Share repurchases 2.4B USD · New shares issued (including employee plans) not available · Free cash flow not available
- Fiscal year 2017: Dividends paid 785.0M USD · Share repurchases 1.4B USD · New shares issued (including employee plans) not available · Free cash flow not available
- Fiscal year 2018: Dividends paid 814.0M USD · Share repurchases 1.3B USD · New shares issued (including employee plans) not available · Free cash flow not available
- Fiscal year 2019: Dividends paid 844.0M USD · Share repurchases 1.5B USD · New shares issued (including employee plans) not available · Free cash flow not available
- Fiscal year 2020: Dividends paid 861.0M USD · Share repurchases 625.0M USD · New shares issued (including employee plans) not available · Free cash flow not available
- Fiscal year 2021: Dividends paid 869.0M USD · Share repurchases 2.2B USD · New shares issued (including employee plans) not available · Free cash flow not available
- Fiscal year 2022: Dividends paid 875.0M USD · Share repurchases 2.0B USD · New shares issued (including employee plans) not available · Free cash flow not available
- Fiscal year 2023: Dividends paid 908.0M USD · Share repurchases 958.0M USD · New shares issued (including employee plans) not available · Free cash flow not available
- Fiscal year 2024: Dividends paid 951.0M USD · Share repurchases 1.0B USD · New shares issued (including employee plans) not available · Free cash flow not available
- Fiscal year 2025: Dividends paid 979.0M USD · Share repurchases 3.0B USD · New shares issued (including employee plans) not available · Free cash flow not available
For banks and insurers free cash flow is not meaningful; ratios to free cash flow are usually omitted.
Dividends paid, repurchases and new shares issued from the cash flow statement of annual reports filed with the SEC (as first reported). Describes the reported figures – not investment advice.
Valuation over time
Price-based valuation (P/E, P/S, price/free cash flow and dividend yield per fiscal year, compared with its own average) for signed-in users. Log in
Sector comparison
Travelers Companies (The) next to 8 stocks of the sector Financials we cover that are closest in revenue. Click a column header to sort the table.
| Symbol | Revenue (FY) | Growth 5 yrs | Gross margin | Op. margin | Net margin | ROE | Equity ratio | FCF margin | Piotroski |
|---|---|---|---|---|---|---|---|---|---|
| MS Morgan Stanley | 70.6B USD | +7.9% | – | – | 23.9% | 15.1% | 7.9% | – | – |
| CB Chubb Limited | 59.4B USD | +10.5% | – | – | 17.4% | 14.0% | 27.1% | – | – |
| GS Goldman Sachs | 58.3B USD | +5.5% | – | – | 29.5% | 13.7% | 6.9% | – | – |
| COF Capital One | 53.4B USD | +13.4% | – | – | 4.6% | 2.2% | 17.0% | – | – |
| TRV Travelers Companies (The) this stock | 48.8B USD | +8.8% | – | – | 12.9% | 19.1% | 22.9% | – | – |
| AXP American Express | 41.3B USD | +13.5% | – | – | 26.2% | 32.4% | 11.2% | – | – |
| V Visa Inc. | 40.0B USD | +12.9% | – | 60.0% | 50.1% | 52.9% | 38.1% | – | – |
| PYPL PayPal | 33.2B USD | +9.1% | – | 18.3% | 15.8% | 25.8% | 25.3% | – | – |
| MA Mastercard | 32.8B USD | +16.5% | – | 57.6% | 45.6% | 193.2% | 14.3% | – | – |
| Median of the sector 33 symbols | 27.0B USD | +9.1% | – | 39.0% | 26.2% | 13.9% | 18.2% | – | – |
Growth 5 yrs = revenue growth per year over 5 fiscal years · Op. margin = operating margin · ROE = return on equity · FCF = free cash flow · Piotroski = F-Score (only with all 9 criteria).
Banks and insurers: gross margin (only if reported), free cash flow margin and Piotroski are not meaningful there (“–”).
Figures of the last fiscal year from SEC annual reports (peers as of Oct 28, 2026). Median across all companies of the sector we cover (from 5 stocks; several share classes of one company count once). Signed-in users also see P/E, P/S and dividend yield in the comparison. Describes the reported figures – not investment advice.
Key figures with traffic lights
Each light follows a simple, disclosed rule. The comparison is with the sector median Sector medianThe middle value of all companies in a sector: half are above it, half below. Unlike the average, single outliers hardly distort it.Example: Margins 4%, 8%, 10%, 12%, 60% → median 10%, average 18.8%.More in the Academy: Lesson putting the P/E in context of all 79 symbols in the Financials sector on our list (current members of the S&P 500 and other lists).
Revenue growth
Growth per year (CAGR)The average annual growth rate over several years, as if the value had grown equally strongly every year. Individual good or bad years even out in it.Example: Revenue €100m → €161m in 5 years → (161 ÷ 100) to the power of 1/5 − 1 = 10% per year.More in the Academy: Lesson debt, dividends and growth+8.8% per year, last 5 years
Sector Financials: median +8.8% (73 symbols)
What does this mean? Revenue: over 5 years it grew by 8.8% per year on average – at least as fast as the median company in the sector (+8.8%).
Light rule: Green: grows at least as fast as the sector median (without a sector comparison: grows) · Yellow: grows more slowly · Red: shrinks.
Net income (total)
Growth per year (CAGR)The average annual growth rate over several years, as if the value had grown equally strongly every year. Individual good or bad years even out in it.Example: Revenue €100m → €161m in 5 years → (161 ÷ 100) to the power of 1/5 − 1 = 10% per year.More in the Academy: Lesson debt, dividends and growth+18.4% per year, last 5 years
Sector Financials: median +13.8% (71 symbols)
per share: +21.1% per year (5 years, split-adjusted)
What does this mean? Total net income: over 5 years it grew by 18.4% per year on average – at least as fast as the median company in the sector (+13.8%).
Light rule: Green: grows at least as fast as the sector median (without a sector comparison: grows) · Yellow: grows more slowly · Red: shrinks.
Net margin
Profit marginThe share of revenue that is left as profit after all costs.Example: Profit €60m on €500m revenue → margin 12%.More in the Academy: Lesson revenue, profit and margin12.9% last fiscal year
Sector Financials: median 19.4% (75 symbols)
What does this mean? Of every 100 USD in revenue, 12.88 USD remained as profit – less than the median company in the sector (19.4%). Five years ago the margin was 8.4%.
Light rule: Green: at least the sector median (without a sector comparison: profit) · Yellow: profit, but below the median · Red: loss.
Debt / equity
Debt-to-equity ratioFinancial debt (loans, bonds) divided by equity. A high value amplifies good and bad years alike. The key figures bar in the chart only uses long-term financial debt.Example: Financial debt €300m, equity €500m → 0.6.More in the Academy: Lesson debt, dividends and growth– latest balance sheet
Sector Financials: median 0.63 (60 symbols)
What does this mean? No usable figure: reported financial debt or positive equity for the same balance sheet date is missing.
Light rule: Green: at most the sector median · Yellow: up to twice the median · Red: more than twice · Gray: without a sector comparison.
Payout ratio
Payout ratioThe share of profit that a company pays out as a dividend. Above 100% it pays out more than it earns.Example: Dividend €1, earnings per share €2.50 → payout ratio 40%.More in the Academy: Lesson debt, dividends and growth– Dividend / earnings per share
Sector Financials: median 34% (58 symbols)
What does this mean? The loaded SEC filings of the last two fiscal years contain no dividend per share. Either the company pays none, or it reports it under a different tag.
Light rule: Green: up to 60% of earnings · Yellow: up to 100% · Red: more than earnings or a dividend despite a loss · Gray for real estate (REITs). The sector median is for comparison only.
Profitable years
Profitable yearsHow many of the last fiscal years ended with a profit rather than a loss on the bottom line. The figure shows how consistently a company earns.Example: Profit in 9 of 10 years → one loss year.More in the Academy: Lesson revenue, profit and margin10 of 10 fiscal years with a profit
What does this mean? In 10 of the last 10 fiscal years the bottom line showed a profit. There were no losses in this period.
Light rule: Green: profit in every year · Yellow: one loss year · Red: several loss years (at least 3 years needed).
All figures as a table
| Year | End | Revenue | Net income | Margin | Earnings per share | Dividend per share | Payout |
|---|---|---|---|---|---|---|---|
| 2025 | Dec 31, 2025 | 48.8B | 6.3B | 12.9% | 27.43 | – | – |
| 2024 | Dec 31, 2024 | 46.4B | 5.0B | 10.8% | 21.47 | – | – |
| 2023 | Dec 31, 2023 | 41.4B | 3.0B | 7.2% | 12.79 | – | – |
| 2022 | Dec 31, 2022 | 36.9B | 2.8B | 7.7% | 11.77 | – | – |
| 2021 | Dec 31, 2021 | 34.8B | 3.7B | 10.5% | 14.49 | – | – |
| 2020 | Dec 31, 2020 | 32.0B | 2.7B | 8.4% | 10.52 | – | – |
| 2019 | Dec 31, 2019 | 31.6B | 2.6B | 8.3% | 9.92 | – | – |
| 2018 | Dec 31, 2018 | 30.3B | 2.5B | 8.3% | 9.28 | – | – |
| 2017 | Dec 31, 2017 | 28.9B | 2.1B | 7.1% | 7.33 | 2.83 | 39% |
| 2016 | Dec 31, 2016 | 27.6B | 3.0B | 10.9% | 10.28 | 2.62 | 25% |
| Quarter | End | Revenue | Net income | Margin | Earnings per share | Dividend per share | Payout |
|---|---|---|---|---|---|---|---|
| Q3/26 | Sep 30, 2026 | 12.4B | 1.9B | 15.4% | 9.04 | 1.25 | 14% |
| Q2/26 | Jun 30, 2026 | 12.2B | 2.2B | 18.2% | 10.26 | 1.25 | 12% |
| Q1/26 | Mar 31, 2026 | 11.9B | 1.7B | 14.3% | 7.78 | 1.10 | 14% |
| Q4/25* | Dec 31, 2025 | 12.4B | 2.5B | 20.1% | – | – | – |
| Q3/25 | Sep 30, 2025 | 12.5B | 1.9B | 15.1% | 8.24 | 1.10 | 13% |
| Q2/25 | Jun 30, 2025 | 12.1B | 1.5B | 12.5% | 6.53 | 1.10 | 17% |
| Q1/25 | Mar 31, 2025 | 11.8B | 395.0M | 3.3% | 1.70 | 1.05 | 62% |
| Q4/24* | Dec 31, 2024 | 12.0B | 2.1B | 17.3% | – | – | – |
| Q3/24 | Sep 30, 2024 | 11.9B | 1.3B | 10.6% | 5.42 | 1.05 | 19% |
| Q2/24 | Jun 30, 2024 | 11.3B | 534.0M | 4.7% | 2.29 | 1.05 | 46% |
| Q1/24 | Mar 31, 2024 | 11.2B | 1.1B | 10.0% | 4.80 | 1.00 | 21% |
| Q4/23* | Dec 31, 2023 | 10.9B | 1.6B | 14.9% | – | – | – |
* Q4 derived: fiscal year minus the 9-month value (EPS cannot be derived this way); may be distorted by restatements.
How we calculate: values as first reported to the SEC (later corrections are left out), a fixed order of reporting tags per figure, partial sums are never added up. Growth per year Growth per year (CAGR)The average annual growth rate over several years, as if the value had grown equally strongly every year. Individual good or bad years even out in it.Example: Revenue €100m → €161m in 5 years → (161 ÷ 100) to the power of 1/5 − 1 = 10% per year.More in the Academy: Lesson debt, dividends and growth over 5 years (otherwise 3 years). Quarters are labeled by the calendar quarter in which they end.
Insiders
Insider transactionsExecutives, directors and major shareholders (over 10%) of US companies report their own transactions in their company’s stock to the SEC within two business days (Form 4). Purchases in the market count as more meaningful than sales (often taxes, estate planning).Example: Three executives acquire stock worth a total of 2 million USD within two weeks → “purchases by several insiders”.More in the Academy: Glossary| Period | Purchases | Sales | Net |
|---|---|---|---|
| 3 months | $00 people | $66.2M6 people | −$66.2M |
| 6 months | $00 people | $94.4M14 people | −$94.4M |
| 12 months | $00 people | $167.6M14 people | −$167.6M |
Latest transactions
- Oct 22, 2026 Toczydlowski Gregory C Officer Open-market sale 2,100 shares · $849.3K · SEC
- Oct 22, 2026 Toczydlowski Gregory C Officer Open-market sale 32,671 shares · $13.2M · SEC
- Oct 22, 2026 Rowland David Donnay Officer Open-market sale 5,000 shares · $2.0M · SEC
- Oct 22, 2026 Klenk Jeffrey P. Officer Open-market sale 9,016 shares · $3.7M · SEC
- Oct 21, 2026 Schnitzer Alan D Chief executive (CEO), Director Open-market sale 2,992 shares · $1.2M · SEC
- Oct 21, 2026 Schnitzer Alan D Chief executive (CEO), Director Open-market sale 44,879 shares · $17.8M · SEC
Source: mandatory filings with the SEC (Form 4), open-market purchases and sales only. General information, not investment advice.
Trend score +85
Price vs. EMA 50+15
Price vs. EMA 200+15
EMA 50 vs. EMA 200+20
ADX (trend strength)+0
Highs and lows+20
Relative strength+15
Volatility and trend strength
ADX 14 (trend strength)20.9
Rel. strength 60 d+5.1%
ATR ATR (Average True Range)The average range per trading day over the last 14 days. It makes distances comparable, whether a stock costs 10 or 1,000.Example: ATR 2.50 at a price of 100: 0.4 ATR is 1.00, i.e. 1%.More in the Academy: Lesson ATR and moving averages as price values only when logged in.
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