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The Travelers Companies Inc (TRV)
NYSE:TRV
US Market

Travelers Companies (TRV) Ratios

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Travelers Companies Ratios

TRV's free cash flow for Q4 2025 was $0.53. For the 2025 fiscal year, TRV's free cash flow was decreased by $ and operating cash flow was $0.26. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
0.23 0.23 0.00 27.38 3.35
Quick Ratio
0.23 0.23 0.00 27.38 3.35
Cash Ratio
<0.01 <0.01 0.15 0.17 0.19
Solvency Ratio
0.06 0.06 0.05 0.04 0.04
Operating Cash Flow Ratio
0.12 0.12 2.36 1.98 1.57
Short-Term Operating Cash Flow Coverage
0.00 0.00 90.74 77.11 64.65
Net Current Asset Value
$ -89.38B$ -89.38B$ -105.33B$ 5.36B$ -80.37B
Leverage Ratios
Debt-to-Assets Ratio
0.06 0.06 0.06 0.06 0.06
Debt-to-Equity Ratio
0.28 0.28 0.29 0.32 0.34
Debt-to-Capital Ratio
0.22 0.22 0.22 0.24 0.25
Long-Term Debt-to-Capital Ratio
0.22 0.22 0.22 0.24 0.25
Financial Leverage Ratio
4.37 4.37 4.78 5.06 5.37
Debt Service Coverage Ratio
17.40 17.40 12.41 8.59 8.91
Interest Coverage Ratio
18.34 18.34 15.77 96.24 10.56
Debt to Market Cap
0.15 0.14 0.15 0.18 0.16
Interest Debt Per Share
43.99 43.23 36.95 36.60 32.25
Net Debt to EBITDA
0.95 0.95 1.02 1.65 1.43
Profitability Margins
Gross Profit Margin
36.92%44.25%26.70%100.00%100.00%
EBIT Margin
16.84%16.84%14.16%9.06%10.05%
EBITDA Margin
18.23%18.23%15.70%10.80%12.28%
Operating Profit Margin
15.97%15.97%13.31%87.49%10.05%
Pretax Profit Margin
15.97%15.97%13.31%8.15%9.09%
Net Profit Margin
12.88%12.88%10.77%7.23%7.71%
Continuous Operations Profit Margin
12.88%12.88%10.77%7.23%7.71%
Net Income Per EBT
80.66%80.66%80.89%88.73%84.73%
EBT Per EBIT
100.00%100.00%100.00%9.32%90.53%
Return on Assets (ROA)
4.38%4.38%3.75%2.37%2.46%
Return on Equity (ROE)
20.58%19.12%17.94%12.00%13.18%
Return on Capital Employed (ROCE)
15.00%15.00%4.78%29.64%3.32%
Return on Invested Capital (ROIC)
12.10%12.10%-133.70%26.28%19.76%
Return on Tangible Assets
4.51%4.51%3.89%2.46%2.55%
Earnings Yield
10.03%9.67%9.10%6.84%6.40%
Efficiency Ratios
Receivables Turnover
3.28 3.28 2.08 1.91 0.00
Payables Turnover
8.66 7.66 9.10 0.00 0.00
Inventory Turnover
0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
0.00 0.00 0.00 0.00 0.00
Asset Turnover
0.34 0.34 0.35 0.33 0.32
Working Capital Turnover Ratio
-1.39 -1.32 -12.02 0.42 0.68
Cash Conversion Cycle
69.10 63.56 135.06 191.25 0.00
Days of Sales Outstanding
111.22 111.22 175.17 191.25 0.00
Days of Inventory Outstanding
0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
42.13 47.67 40.10 0.00 0.00
Operating Cycle
111.22 111.22 175.17 191.25 0.00
Cash Flow Ratios
Operating Cash Flow Per Share
48.14 47.31 39.80 33.57 27.28
Free Cash Flow Per Share
35.96 0.00 39.80 33.57 27.28
CapEx Per Share
12.19 47.31 0.00 0.00 0.00
Free Cash Flow to Operating Cash Flow
0.75 0.00 1.00 1.00 1.00
Dividend Paid and CapEx Coverage Ratio
2.89 0.92 9.54 8.49 7.39
Capital Expenditure Coverage Ratio
3.95 1.00 0.00 0.00 0.00
Operating Cash Flow Coverage Ratio
1.14 1.14 1.13 0.96 0.89
Operating Cash Flow to Sales Ratio
0.22 0.22 0.20 0.19 0.18
Free Cash Flow Yield
12.48%0.00%16.52%17.62%14.55%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
9.97 10.34 10.99 14.63 15.64
Price-to-Sales (P/S) Ratio
1.30 1.33 1.18 1.06 1.20
Price-to-Book (P/B) Ratio
1.91 1.98 1.97 1.76 2.06
Price-to-Free Cash Flow (P/FCF) Ratio
8.01 0.00 6.05 5.67 6.87
Price-to-Operating Cash Flow Ratio
5.91 6.13 6.05 5.67 6.87
Price-to-Earnings Growth (PEG) Ratio
1.21 0.37 0.16 1.71 -0.84
Price-to-Fair Value
1.91 1.98 1.97 1.76 2.06
Enterprise Value Multiple
8.08 8.25 8.56 11.44 11.24
Enterprise Value
71.89B 73.46B 62.39B 51.14B 50.93B
EV to EBITDA
8.08 8.25 8.56 11.44 11.24
EV to Sales
1.47 1.50 1.34 1.24 1.38
EV to Free Cash Flow
9.08 0.00 6.88 6.63 7.88
EV to Operating Cash Flow
6.78 6.93 6.88 6.63 7.88
Tangible Book Value Per Share
129.33 127.08 102.07 89.98 73.08
Shareholders’ Equity Per Share
149.31 146.72 122.21 108.49 90.97
Tax and Other Ratios
Effective Tax Rate
0.19 0.19 0.19 0.11 0.15
Revenue Per Share
221.64 217.79 203.63 180.08 155.63
Net Income Per Share
28.54 28.05 21.93 13.02 11.99
Tax Burden
0.81 0.81 0.81 0.89 0.85
Interest Burden
0.95 0.95 0.94 0.90 0.91
Research & Development to Revenue
0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
0.06 0.00 0.13 0.12 0.13
Stock-Based Compensation to Revenue
>-0.01 0.00 0.00 0.00 0.00
Income Quality
1.69 1.69 1.82 2.58 2.27
Currency in USD