The Travelers Companies Inc. (TRV) earns a Roarable Rating of B+ (Buy) with 77/100 RQD Confidence. High-quality cash engine (steady margins, 10% return on capital) with steady institutional support. The company’s underlying cash engine and institutional positioning keep the composite score in the Green Buy zone.
As of 2026-11-02, The Travelers Companies Inc. (NYSE: TRV) is rated B+ (Buy / BUY) by Roarable's 5-pillar RQD engine with a composite confidence score of 77/100 at a spot price of $396.22 (-0.51% 1D, market cap $81.62B). Pillar breakdown: Fundamental Cash Engine 14/20, Institutional 13F & Options Flow 18/20, Executive Insider Alignment 15/20, FRED Macro Regime Fit 13/20, and SEC Balance-Sheet Forensics 17/20. Across 1096 tracked Financials issuers, TRV ranks #15 in composite RQD confidence.
Within the Financials sector (Property-Casualty Insurers), TRV carries a Roarable B+ (77/100 RQD), trailing P/E of 13.0x, gross margin of —, and ROIC of 9.7%. By comparison, ALL (Allstate Corporation) holds a B+ grade (78/100 RQD, P/E 6.4x, ROIC 18.2%, cap $64.71B) and PGR (Progressive Corporation) posts a A- grade (83/100 RQD, P/E 11.8x, ROIC 20.0%, cap $133.82B). Among the 5-stock peer group, ALL leads on earnings multiple (6.4x) while PGR leads on capital efficiency (20.0% ROIC).
Per TRV's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000086312), The Travelers Companies Inc. generated $48.83B in revenue (+5.2% YoY), $6.29B in net income, and $8.41B in free cash flow against $143.71B in total assets and $49.87B in total debt. Key quantitative strengths: Big institutional funds and options desks are actively positioning on the bullish side.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
20D Institutional Volume Accumulation (±4.4% realized swing band)
SEC Form 4 / 13F Thermometer: 85% Net Buy • Cannibal Buyback (-2.64% YoY Shares)
Macro rate sensitivity & RSI-14 (63.6) create a -7 pt regime headwind
Even with a 77/100 (B+) score, TRV faces multiple-compression risk if 13.0x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.
Broader market pullbacks can still drag down strong stocks in the short run.
Dilution & Margin Drag: Cannibal Buyback (-2.64% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.
Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($375.82) or 200D SMA ($331.13) invalidates the momentum regime and cuts Target Base ($430.10) toward Bear Floor ($324.90).
The Travelers Companies Inc. (TRV) slipped -0.51% to $396.22, trading at 92% of its 52-week range ($264.25 – $407.87). High-quality cash engine (steady margins, 10% return on capital) with steady institutional support.
Yahoo! Finance Canada report covering The Travelers Companies Inc. (TRV) market action, institutional positioning, and fundamental catalysts.
Benzinga report covering The Travelers Companies Inc. (TRV) market action, institutional positioning, and fundamental catalysts.
Moomoo report covering The Travelers Companies Inc. (TRV) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering The Travelers Companies Inc. (TRV) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering The Travelers Companies Inc. (TRV) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering The Travelers Companies Inc. (TRV) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering The Travelers Companies Inc. (TRV) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering The Travelers Companies Inc. (TRV) market action, institutional positioning, and fundamental catalysts.
American International expands in Latin America with Everest insurance deals in Colombia and Chile, targeting premium growth in key markets despite integration and profitability risks.
Insurance companies serve as the backbone of risk management, providing essential protection and financial security for individuals and businesses. These institutions have benefited from improved pricing power and robust
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
vs. +5.2% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
No active Ellis Vennor swing setup published on TRV today. View full Setup Ledger →
No direct multi-tier Butterfly edges indexed yet for TRV. Explore sector supply chains on /butterfly.
Across 1096 tracked Financials securities in the Roarable RQD universe, The Travelers Companies Inc. (TRV) ranks #15 by composite RQD confidence (77/100, grade B+) and #45 by equity capitalization ($81.62B). Within this direct 5-issuer industry benchmark cohort, ALL leads on earnings valuation at 6.4x trailing P/E, while PGR leads on capital efficiency and profitability with 20.0% ROIC and — gross margin. PGR currently holds the highest overall quantitative score in the immediate peer group at 83/100 (A-) compared with TRV at 77/100 (B+).
| Ticker / Company | Roarable Grade | RQD Score | Trailing P/E | Gross Margin | ROIC | 1D Change | Market Cap | Head-to-Head |
|---|---|---|---|---|---|---|---|---|
| TRV
ACTIVE
The Travelers Companies Inc. | B+ | 77/100 | 13.0x | — | 9.7% | -0.51% | $81.62B | Benchmark Subject |
| ALL Allstate Corporation | B+ | 78/100 | 6.4x | — | 18.2% | +1.54% | $64.71B | /all-vs-trv → |
| PGR Progressive Corporation | A- | 83/100 | 11.8x | — | 20.0% | +0.48% | $133.82B | /pgr-vs-trv → |
| CB Chubb Limited | B+ | 76/100 | 13.4x | — | 8.1% | +0.51% | $138.42B | /cb-vs-trv → |
| AIG American International Group Inc. | C+ | 68/100 | 13.8x | — | 4.1% | +0.56% | $42.58B | /aig-vs-trv → |
In its most recent audited fiscal period (FY2025, filed 2025-12-31), The Travelers Companies Inc. (TRV) reported GAAP revenue of $48.83B (+5.2% vs. FY2024 revenue of $46.42B , and +18.0% cumulative change since FY2023) , GAAP net income of $6.29B, operating cash flow of $10.61B, and free cash flow of $8.41B (+20.4% YoY). On the balance sheet, TRV closed FY2025 with $143.71B in total assets against $49.87B in total debt (Altman Z-Score: N/A, Piotroski F-Score: 8/9).
| Fiscal Period | Filing Date | Revenue | Net Income | Operating Cash Flow | Free Cash Flow | Total Assets | Total Debt |
|---|---|---|---|---|---|---|---|
| FY2025 (FY) | 2025-12-31 | $48.83B | $6.29B | $10.61B | $8.41B | $143.71B | $49.87B |
| FY2024 (FY) | 2024-12-31 | $46.42B | $5.00B | $9.07B | $6.98B | $133.19B | $47.40B |
| FY2023 (FY) | 2023-12-31 | $41.36B | $2.99B | $7.71B | $5.85B | $49.64B | $11.62B |
As of 2026-11-02, The Travelers Companies Inc. (NYSE: TRV) is rated B+ (Buy / BUY) by Roarable's 5-pillar RQD engine with a composite confidence score of 77/100 at a spot price of $396.22 (-0.51% 1D, market cap $81.62B). Pillar breakdown: Fundamental Cash Engine 14/20, Institutional 13F & Options Flow 18/20, Executive Insider Alignment 15/20, FRED Macro Regime Fit 13/20, and SEC Balance-Sheet Forensics 17/20. Across 1096 tracked Financials issuers, TRV ranks #15 in composite RQD confidence.
Within the Financials sector (Property-Casualty Insurers), TRV carries a Roarable B+ (77/100 RQD), trailing P/E of 13.0x, gross margin of —, and ROIC of 9.7%. By comparison, ALL (Allstate Corporation) holds a B+ grade (78/100 RQD, P/E 6.4x, ROIC 18.2%, cap $64.71B) and PGR (Progressive Corporation) posts a A- grade (83/100 RQD, P/E 11.8x, ROIC 20.0%, cap $133.82B). Among the 5-stock peer group, ALL leads on earnings multiple (6.4x) while PGR leads on capital efficiency (20.0% ROIC).
Per TRV's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000086312), The Travelers Companies Inc. generated $48.83B in revenue (+5.2% YoY), $6.29B in net income, and $8.41B in free cash flow against $143.71B in total assets and $49.87B in total debt. Key quantitative strengths: Big institutional funds and options desks are actively positioning on the bullish side.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.
TRV last traded at $396.22 (-0.51% on volume of 1,406,455 shares), positioning the stock +5.43% above its 50-day simple moving average ($375.82) and +19.66% above its 200-day simple moving average ($331.13). Across its 52-week range of $264.25 to $407.87, TRV sits at the 91.9% percentile with a 14-day RSI of 63.6 (BULLISH MOMENTUM) and an implied next-earnings move of ±4.4% ($378.79 to $413.65).
Why TRV Stock slipped -0.51% Today — RQD Quant Desk Flash. High-quality cash engine (steady margins, 10% return on capital) with steady institutional support.
Per the Roarable RQD rating, TRV scores 77 out of 100, a letter grade of B+, with the verdict "Roarable Buy — Very Good Cash & Smart-Money Inflow." The five pillars are: Fundamental Cash Engine at 14/20 (ROIC 9.7%; FCF yield 10.3%); Whale 13F Flow at 18/20 (institutional accumulation and options positioning); Insider Conviction at 17/20 (SEC Form 4 and Congressional PTR cluster flow); Macro Regime Fit at 13/20 (Beta 0.88; sector sensitivity); and Forensic Balance Sheet at 15/20 (Altman Z 2.5; Piotroski F 8/9; Debt/Equity 0.5). For a prospective investor, the strongest pillars are the smart-money inflow signals (18/20 and 17/20), which indicate that institutional and insider activity is directionally positive in the source data. The cash-engine pillar (14/20) is a moderate score, and the 10.3% FCF yield is the main valuation support cited. The macro-fit pillar (13/20) is the lowest, reflecting the sector sensitivity noted in the rating. The forensic balance-sheet pillar (15/20) points to a financially sound profile by the cited Altman, Piotroski, and leverage measures. The valuation tradeoff is that the stock trades at 13x trailing earnings and 12.1x forward earnings per the market data, with the price near the upper part of its 52-week range. The rating is a factual summary of the source inputs and does not constitute personalized financial advice.
| Period | Revenue | Operating Income | Net Income | EPS | FCF | Cash | Debt |
|---|---|---|---|---|---|---|---|
| FY 2025 (filed 2025-12-31) | $48828.0M | $7419.8M | $6288.0M | N/A | $8408.7M | N/A | $49866.3M |
| FY 2024 (filed 2024-12-31) | $46423.0M | $5898.8M | $4999.0M | N/A | $6985.0M | N/A | $47396.2M |
| FY 2023 (filed 2023-12-31) | $41364.0M | $3529.4M | $2991.0M | N/A | $5849.6M | N/A | $11615.0M |
Per the SEC financials, revenue, operating income, net income, and FCF rose in each reported year from FY 2023 through FY 2025. Per the market data, operating margin is 15.7%, net margin is 12.9%, and ROIC is 9.7%. The market data lists gross margin as 0%. Per the Roarable RQD rating, the Altman Z-Score is 2.5, the Piotroski F-Score is 8/9, and Debt/Equity is 0.5. The reported debt figure rose sharply between FY 2023 and FY 2024 in the SEC financials, and the Debt/Equity ratio in the rating is the only leverage measure provided.
Per the recent news and catalysts section, six items are listed, all tagged to TRV:
Per the butterfly supply-chain graph, the supply chain is listed as NONE, with no butterfly links and no proprietary signals. The news items are sentiment and coverage headlines, and the source data does not contain their underlying figures.
Real-time company headlines, analyst actions, and sector developments for The Travelers Companies Inc. (TRV) • Click "Debate This Headline" to argue it in the Roar Pit below
Yahoo! Finance Canada report covering The Travelers Companies Inc. (TRV) market action, institutional positioning, and fundamental catalysts.
Benzinga report covering The Travelers Companies Inc. (TRV) market action, institutional positioning, and fundamental catalysts.
Moomoo report covering The Travelers Companies Inc. (TRV) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering The Travelers Companies Inc. (TRV) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering The Travelers Companies Inc. (TRV) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering The Travelers Companies Inc. (TRV) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering The Travelers Companies Inc. (TRV) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering The Travelers Companies Inc. (TRV) market action, institutional positioning, and fundamental catalysts.
Welcome to the TRV (The Travelers Companies Inc.) Roar Pit. Current RQD Composite is 77/100 (Roarable Buy — Very Good Cash & Smart-Money Inflow) in Property-Casualty Insurers. Bulls point to operating leverage and sector positioning, while bears focus on macro rate sensitivity and margin execution. Pick your side (🐂 Bull or 🐻 Bear) and drop your price target below.
Everyone in here is repeating the bull case on TRV, but look at what you are paying: 13.0x trailing P/E with tightening sector spreads. Unless The Travelers Companies Inc. expands free cash flow yield next quarter, I would rather wait for a pullback closer to the 200-day moving average before touching this.
Looking at the 5-pillar RQD breakdown on TRV, the market is fixating on short-term headline noise in Property-Casualty Insurers and ignoring the balance sheet and cash flow trajectory. At $398.27 (52-wk range $264.25 - $407.87), any beat on forward guidance forces shorts and underweight funds to chase.
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