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Upturn AI SWOT - About
TRV 
The Travelers Companies Inc (TRV)
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Upturn Advisory Summary
04/01/2025: TRV (3-star) is a STRONG-BUY. BUY since 23 days. Profits (2.76%). Updated daily EoD!
Upturn Star Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
AI Based Fundamental Rating
Above Average Performance
These Stocks/ETFs, based on Upturn Advisory, frequently surpass the market, reflecting reliable and trustworthy advice.
Analysis of Past Performance
Type Stock | Historic Profit 28.44% | Avg. Invested days 50 | Today’s Advisory Strong Buy |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 59.98B USD | Price to earnings Ratio 12.32 | 1Y Target Price 270.53 |
Price to earnings Ratio 12.32 | 1Y Target Price 270.53 | ||
Volume (30-day avg) 1415030 | Beta 0.62 | 52 Weeks Range 197.70 - 267.34 | Updated Date 04/1/2025 |
52 Weeks Range 197.70 - 267.34 | Updated Date 04/1/2025 | ||
Dividends yield (FY) 1.59% | Basic EPS (TTM) 21.47 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Revenue by Geography
Geography revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 10.77% | Operating Margin (TTM) 22.42% |
Management Effectiveness
Return on Assets (TTM) 3.17% | Return on Equity (TTM) 18.94% |
Valuation
Trailing PE 12.32 | Forward PE 14.16 | Enterprise Value 62821249024 | Price to Sales(TTM) 1.29 |
Enterprise Value 62821249024 | Price to Sales(TTM) 1.29 | ||
Enterprise Value to Revenue 1.44 | Enterprise Value to EBITDA - | Shares Outstanding 226727008 | Shares Floating 225527198 |
Shares Outstanding 226727008 | Shares Floating 225527198 | ||
Percent Insiders 0.26 | Percent Institutions 85.81 |
Analyst Ratings
Rating 3.28 | Target Price 264.29 | Buy 4 | Strong Buy 4 |
Buy 4 | Strong Buy 4 | ||
Hold 13 | Sell 3 | Strong Sell 1 | |
Strong Sell 1 |
Upturn AI SWOT
The Travelers Companies Inc
Company Overview
History and Background
The Travelers Companies Inc. traces its roots back to 1853 with the founding of St. Paul Fire and Marine Insurance Company. The Travelers Insurance Company was founded in 1864, pioneering accident insurance. Through mergers and acquisitions, including the Citigroup merger in 1998 and the subsequent separation in 2002, the company evolved into its current form.
Core Business Areas
- Business Insurance: Provides a wide array of property and casualty insurance products and services to businesses in the U.S. and internationally. Includes coverage for general liability, commercial auto, workers' compensation, and property.
- Bond & Specialty Insurance: Offers surety, fidelity, management liability, professional liability, and other coverages, primarily in the U.S.
- Personal Insurance: Provides a range of property and casualty insurance products to individuals in the U.S., including homeowners, auto, and umbrella insurance.
Leadership and Structure
Alan D. Schnitzer serves as the Chairman and Chief Executive Officer. The company is structured with executive leadership overseeing various segments, including business insurance, bond & specialty insurance, and personal insurance, along with functional areas like finance, investments, and operations.
Top Products and Market Share
Key Offerings
- Commercial Auto Insurance: Provides liability and physical damage coverage for vehicles used for business purposes. Competitors include Progressive, Liberty Mutual, and Allstate. Difficult to provide specific market share data due to the fragmented nature of the commercial auto insurance market. Overall Business Insurance segment generated approximately $27.7 billion in net written premiums in 2023.
- Homeowners Insurance: Covers damages to a homeowner's property and liability for any injuries or property damage that occur on the property. Competitors include State Farm, Allstate, and Progressive. Personal Insurance segment net written premiums totaled approximately $13.4 billion in 2023.
- Workers' Compensation Insurance: Provides coverage for employees who are injured or become ill as a result of their job. Competitors include Hartford, Liberty Mutual, and Zurich. Part of Business Insurance segment.
Market Dynamics
Industry Overview
The property and casualty insurance industry is highly competitive and cyclical, influenced by factors like interest rates, catastrophic events, and regulatory changes. Insurers face pressure to adapt to technological advancements and changing consumer preferences.
Positioning
Travelers is a leading property and casualty insurer, known for its strong underwriting discipline, risk management capabilities, and extensive distribution network. It competes on price, product offerings, and service quality.
Total Addressable Market (TAM)
The global property and casualty insurance market is estimated to be approximately $2.5 trillion in 2024, with continued growth expected. Travelers is well-positioned to capture a portion of this market through its diverse product portfolio and strong brand reputation.
Upturn SWOT Analysis
Strengths
- Strong brand reputation
- Extensive distribution network
- Solid financial performance
- Experienced management team
- Diversified product portfolio
- Strong underwriting discipline
Weaknesses
- Vulnerability to catastrophic events
- Exposure to economic cycles
- Reliance on independent agents
- Potential impact of regulatory changes
- Difficulty differentiating products
Opportunities
- Expanding into emerging markets
- Leveraging technology to improve efficiency
- Developing new insurance products
- Acquiring smaller insurance companies
- Increasing digital distribution channels
- Capitalizing on growing demand for cyber insurance
Threats
- Increased competition
- Rising claims costs
- Adverse weather events
- Economic downturns
- Changes in regulations
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- CB ( Chubb Limited)
- PRU (Prudential Financial)
- ALL (Allstate)
- PGR (Progressive)
- WRB (W. R. Berkley Corp.)
Competitive Landscape
Travelers is a well-established player in the property and casualty insurance market. It competes with other large insurers on price, product offerings, and service quality. Travelers' strengths include its strong brand reputation and extensive distribution network. Disadvantages include the companies exposure to catostrophic events.
Major Acquisitions
Growth Trajectory and Initiatives
Historical Growth: Travelers has grown steadily over the past decade, driven by organic growth and strategic acquisitions.
Future Projections: Analysts expect Travelers to continue to grow at a moderate pace, driven by rising insurance premiums and expansion into new markets. Revenue growth is projected to be in the low to mid-single digits.
Recent Initiatives: Travelers has invested in technology to improve its underwriting capabilities and customer service. It has also expanded its product offerings to include cyber insurance and other emerging risks.
Summary
Travelers Companies is a strong player in the property and casualty insurance market with a solid brand and distribution network. While vulnerable to catastrophic events, the company's financial performance remains steady. Recent initiatives in technology may boost efficiency and future growth. Strong underwriting discipline will be needed to navigate future economic uncertainties and changing consumer needs.
Similar Companies
ALL
The Allstate Corporation
ALL
The Allstate Corporation
PGR
Progressive Corp
PGR
Progressive Corp
PRU
Prudential Financial Inc
PRU
Prudential Financial Inc
WRB
W. R. Berkley Corp
WRB
W. R. Berkley Corp
Sources and Disclaimers
Data Sources:
- Company filings (10-K, 10-Q)
- Earnings call transcripts
- Investor presentations
- Industry reports
- Analyst estimates
- Yahoo Finance
- SEC.gov
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share data is approximate and may vary by source. Investment decisions should be made based on individual circumstances and consultation with a qualified financial advisor.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About The Travelers Companies Inc
Exchange NYSE | Headquaters New York, NY, United States | ||
IPO Launch date 1996-04-22 | Chairman & CEO Mr. Alan David Schnitzer J.D. | ||
Sector Financial Services | Industry Insurance - Property & Casualty | Full time employees 34000 | Website https://www.travelers.com |
Full time employees 34000 | Website https://www.travelers.com | ||
The Travelers Companies, Inc., through its subsidiaries, provides a range of commercial and personal property, and casualty insurance products and services to businesses, government units, associations, and individuals in the United States and internationally. The company operates through three segments: Business Insurance, Bond & Specialty Insurance, and Personal Insurance. The Business Insurance segment offers workers' compensation, commercial automobile and property, general liability, commercial multi-peril, employers' liability, public and product liability, professional indemnity, marine, aviation, onshore and offshore energy, construction, terrorism, personal accident, and kidnap and ransom insurance products. This segment operates through select accounts, which serve small businesses; commercial accounts that serve mid-sized businesses; national accounts, which serve large companies; and national property and other that serve large and mid-sized customers, commercial trucking industry, and agricultural businesses, as well as markets and distributes its products through brokers, wholesale agents, and program managers. The Bond & Specialty Insurance segment provides surety, fidelity, management and professional liability, and other property and casualty coverages and related risk management services through independent agencies and brokers. The Personal Insurance segment offers property and casualty insurance covering personal risks, primarily automobile and homeowners' insurance to individuals through independent agencies and brokers. The Travelers Companies, Inc. was founded in 1853 and is based in New York, New York.
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