Risk Intelligence
Core Model
—
Not Available
Not Scored
How strong and defensively sound is the company?
This reading is not available for this company yet.
Suggestions
TRV · NYSE
TRAVELERS COMPANIES INC
Private betaSector unavailable · Industry unavailable
$375.20
+2.08%
Close on Sep 11, 2026
Insufficient Data
Updated 6/30/2026
Long-term research evidence only. No price targets, no trading signals, no recommendations.
Investment Report Card
TRAVELERS COMPANIES INC
Sector unavailable · Data confidence limited
No Suggested Investment Score today
Risk Intelligence is unavailable
Long-Term Potential
Research Model
—
Not Available
Not Scored
Does the business have the characteristics needed to create value over many years?
This reading is not available for this company yet.
Fundamental Momentum
Research Model
—
Not Available
Not Scored
Is the underlying business getting stronger or weaker?
This reading is not available for this company yet.
Ownership Intelligence
Supplemental Intelligence
—
Not Available
Positive disclosed activity
What are important owners actually doing?
This reading is not available for this company yet.
Valuation Intelligence
Research Model
B−
71 / 100
Attractive
Is today's price reasonable?
Above average on this measure — and valuation is researched separately from the Suggested Investment Score.
Capital Returns Intelligence
Research Model
B+
85 / 100
Exceptional Capital Returns
How effectively does the company reward shareholders?
Above average on this measure — and capital returns are researched separately from the Suggested Investment Score.
Why it stands out
- More disclosed holders are new or increasing than reducing or exiting.
- Attractive valuation: the stock reads 71 out of 100 on Valuation Intelligence (Attractive) relative to its own history and comparable companies.
What holds it back
No weakening evidence is recorded in today's readings.
Long-term view
Long-Term Potential is not available for this company, so no long-term reading is shown.
Ownership view
No disclosed ownership reading is available at the required confidence, so ownership is left blank rather than estimated.
Valuation view
TRAVELERS COMPANIES INC reads 71 out of 100 on Valuation Intelligence, recorded as Attractive. The stock currently trades above most of its own recent valuation history and below comparable companies. This describes the price being paid relative to the company's financials — it is not a forecast and not a fair value. Valuation Intelligence is a research model and contributes nothing to the Suggested Investment Score or the daily ranking.
Capital returns view
TRAVELERS COMPANIES INC reads 85 out of 100 on Capital Returns Intelligence (Exceptional Capital Returns), reflecting a dividend that has grown about 6.2% a year and a share count falling about 3.3% a year. Capital Returns Intelligence is a research model and contributes nothing to the Suggested Investment Score or the daily ranking.
What changed
No meaningful recorded changes in the stored history.
Risk Intelligence is a core model, Long-Term Potential, Fundamental Momentum, Valuation Intelligence and Capital Returns Intelligence are research models, and Ownership Intelligence is supplemental descriptive evidence. Valuation Intelligence and Capital Returns Intelligence each contribute 0% to the Suggested Investment Score. Nothing here is a recommendation.
Compare TRV with other companiesAppears in
Rule-based membership
- Strong Capital Returnerssince 2026-09-12
- Effective Buyback Leaderssince 2026-09-12
- Dividend Growth Leaderssince 2026-09-12
- Attractive Valuationsince 2026-09-12
Membership means the company satisfied a published rule on the latest research build. It is not a recommendation.
60-Second Brief
Too few stored readings exist for this company to summarise honestly.
Composite discovery model
Suggested Investment Score
Suggested Investment Score
Not currently in the Suggested Investment ranking
Risk Intelligence is unavailable. A composite score is only published when every required input is available for this company. Nothing is estimated to fill a gap, and exclusion from the ranking is not a sell instruction.
COMPOSITE DISCOVERY MODEL — RESEARCH STAGE · Ranking updated September 12, 2026
Researched separately
Valuation Intelligence 71 · Attractive
RESEARCH MODEL
Valuation Intelligence is currently researched separately and does not affect the Suggested Investment Score or daily ranking.
Researched separately
Capital Returns Intelligence 85 · Exceptional Capital Returns
RESEARCH MODEL
Capital Returns Intelligence is researched separately and contributes 0% to the Suggested Investment Score, the daily rank or any ranking event.
Why this company scores the way it does
This company does not currently hold a stored Suggested Investment Score, so no contribution breakdown can be shown.
Stored snapshots only
What changed
Research-score history available since September 2026.
Stored research history does not yet cover a full 30 days comparison for this company.
A change is reported as meaningful at 8 score points, 5 rank places, or any change of research classification. Nothing here is a recommendation to buy or sell.
Learn the metrics on this page
Plain-English definitions, with the formula and the limitations of each measure.
Fifth research lens · outside the score
Valuation Intelligence
Valuation Intelligence
Is today's price reasonable?
Valuation Intelligence is currently researched separately and does not affect the Suggested Investment Score or daily ranking.
71/ 100
Attractive
RESEARCH MODEL
Excellent coverage
Compared with its history
50
Reasonable
Is this company expensive or inexpensive compared with its own history?
Compared with peers
64
Attractive
How expensive is this stock compared with similar companies?
Earnings & cash flow
85
Very Attractive
How much financial output does an investor receive relative to the price paid?
Growth-adjusted
92
Very Attractive
Does the company's growth help justify the valuation investors are paying?
TRAVELERS COMPANIES INC reads 71 out of 100 on Valuation Intelligence, recorded as Attractive. The stock currently trades above most of its own recent valuation history and below comparable companies. This describes the price being paid relative to the company's financials — it is not a forecast and not a fair value.
Price data through September 11, 2026 · Financial data through the quarter ended June 30, 2026
Valuation history
Stored readings only. The dashed line is this company's own median for the selected measure.
Only one stored valuation reading exists so far, so there is nothing to chart yet. Valuation history builds forward from activation rather than being reconstructed.
Current P/E 9.4x · own median 13.3x · peer median 14.7x
Valuation is inherently uncertain. A stock that appears inexpensive can continue falling, and a stock that appears expensive can continue rising. Valuation Intelligence provides context about the price investors are paying — it does not predict short-term market movements, and it never produces a fair value, a price target or a buy or sell range. Model VALUATION_INTELLIGENCE_V1.
Sixth research lens · outside the score
Capital Returns Intelligence
Capital Returns Intelligence
How effectively does the company reward shareholders?
Capital Returns Intelligence is researched separately and contributes 0% to the Suggested Investment Score, the daily rank or any ranking event.
85/ 100
Exceptional Capital Returns
RESEARCH MODEL
Excellent coverage
Dividend Quality
88
Exceptional Capital Returns
Dividend reliability
Buyback Effectiveness
97
Exceptional Capital Returns
Do buybacks actually reduce shares?
Dilution Control
80
Strong Capital Returns
Is your ownership share protected?
Capital Return Sustainability
76
Strong Capital Returns
Can the cash flow support it?
Shareholder Yield
75
Strong Capital Returns
Cash returned versus company value
TRAVELERS COMPANIES INC reads 85 out of 100 on Capital Returns Intelligence (Exceptional Capital Returns), reflecting a dividend that has grown about 6.2% a year and a share count falling about 3.3% a year.
How returned cash was used
Dividends $989.00M · net repurchases $5.30B · total returned $6.29B · 57% of free cash flow
Price data through September 11, 2026 · Financial data through the quarter ended June 30, 2026
Capital returns history
Stored readings only. History builds forward from activation rather than being reconstructed.
Only one stored reading exists for this measure so far, so there is nothing to chart yet.
Why higher yield isn't always better
A very high dividend yield may reflect a falling share price or an unsustainable payout. Capital Returns Intelligence emphasizes consistency and sustainability rather than simply rewarding the highest yield.
Why buybacks can be misleading
Announced or gross buyback spending does not always mean shareholders are gaining ownership. Companies can simultaneously issue shares through employee compensation or acquisitions. Suggested Investments therefore considers actual share-count changes alongside repurchase spending.
What these terms mean
- Dividend Yield
- The annual dividend relative to the current share price.
- Payout Ratio
- The share of company earnings used to pay dividends.
- Free Cash Flow Payout
- How much of the company's available cash is being used for dividends.
- Share Repurchases
- When a company buys back its own stock.
- Dilution
- When the number of shares increases, reducing each existing share's percentage ownership of the company.
- Shareholder Yield
- A combined view of dividends and net share repurchases relative to the company's market value.
Capital Returns Intelligence describes how a company returns capital to shareholders. It is not a measure of stock-price performance, it does not predict future returns, and a strong reading is never a recommendation to buy. Dividends and repurchases can be reduced or stopped at any time. Model CAPITAL_RETURNS_INTELLIGENCE_V1, contributing 0% to the Suggested Investment Score.
Stored daily snapshots only
Ranking history
| Today | Not ranked | No stored score |
|---|---|---|
| 30 days ago | Not ranked | No stored score |
| 90 days ago | Not ranked | No stored score |
| First suggested | Not yet suggested | |
| Highest rank | Not ranked | |
In the company’s own words
What this company does
Holding Company Liquidity . TRV’s liquidity requirements primarily include shareholder dividends, debt servicing, common share repurchases and, from time to time, contributions to its qualified domestic pension plan. As of December 31, 2025, TRV held total cash and short-term invested assets in the United States aggregating $2.41 billion and having a weighted average
maturity of 23 days. TRV has established a holding company liquidity target equal to its estimated annual pre-tax interest expense and common shareholder dividends (currently approximately $1.37 billion). TRV’s holding company liquidity of $2.41 billion as of December 31, 2025 exceeded this target, and it is the opinion of the Company’s management that these assets are sufficient to meet TRV’s current liquidity requirements.
TRV is not dependent on dividends or other forms of repatriation from its foreign operations to support its liquidity needs. The undistributed earnings of the Company’s foreign operations are intended to be permanently reinvested in those operations, and such earnings were not material to the Company’s financial position or liquidity as of December 31, 2025.
TRV has a shelf registration statement filed with the Securities and Exchange Commission that expires on June 4, 2028 which permits it to issue securities from time to time. TRV also has a $1.0 billion line of credit facility with a syndicate of financial institutions that expires on June 15, 2027. As of December 31, 2025, the Company had $100 million of commercial paper outstanding. TRV is not reliant on its commercial paper program to meet its operating cash flow needs. The Company has $200 million of senior notes maturing in April 2026.
Quoted from the business section of this company’s 10-K filed February 12, 2026. Read the filing
Four distinct intelligence areas
The IA view
Risk Intelligence
Production core
—
Insufficient Data
No prior period to compare
Business Quality qualification score from the locked IA Defensive Research Core. Price Risk stays a separate category and is never blended in.
Long-Term Potential
Research model
—
Insufficient Data
No prior period to compare
Durable business economics and reinvestment characteristics. Independent external validation is pending.
Fundamental Momentum
Research model
—
Insufficient Data
No prior period to compare
Direction and breadth of change in underlying business fundamentals. Not a price-momentum signal.
Elite Investor Activity
Supplemental
69
Mid range
0 vs Jun 30, 2026
8 tracked managers disclosed a position for this period.
As of Sep 11, 2026
Company intelligence
TRV score history
Each area is measured and reported separately. No combined score exists.
TRV intelligence history from 2023-09-30 to 2026-09-11. Elite Investor Activity 68.8 on 2026-09-11, unchanged 0 from 68.8 on 2026-06-30. Each area is reported separately and is never combined into a single score.
Elite Investor Activity 68.8 as of Sep 11, 2026 (0 vs prior period) · Supplemental
Share price
TRV price history
Closing prices adjusted for splits and dividends. Past prices do not indicate future results.
- 6M change
- +25.2%
- 1Y change
- +36.3%
- 3Y change
- +142.0%
- 5Y change
- +163.3%
- Max change
- +213.6%
Last stored close $375.20 · +36.3% over the selected range · 52 sessions shown
Balanced evidence
Why IA likes it
- More disclosed holders are new or increasing than reducing or exiting.
Risk and uncertainty
What IA doesn’t like
- No specific negative evidence is available. This is not evidence of low risk.
What would change our view
- Business Quality falling below the frozen qualification threshold.
- Price Risk moving to a less favorable category.
- A sustained reversal in the Fundamental Momentum research evidence.
- New material public ownership disclosures.
Public filings · descriptive only
Elite Investor Activity
Reporting holders
34
New holders
23
Increasing
4
Reducing
3
Exiting
1
Coverage
Excellent
Positive disclosed activity · Report period 2023-09-30 · Public 12/27/2023
| Manager | Change | Portfolio weight | Rank | Disclosed |
|---|
Insufficient high-confidence manager coverage.
Objective stored changes
What changed
- Elite Investor Activity
Elite Investor Consensus strengthened
Disclosed agreement among tracked managers moved from 38 to 69 for the reporting period ending 2026-06-30.
- Elite Investor Activity
Elite Investor Consensus weakened
Disclosed agreement among tracked managers moved from 64 to 38 for the reporting period ending 2026-03-31.
- Elite Investor Activity
Elite Investor Consensus strengthened
Disclosed agreement among tracked managers moved from 43 to 64 for the reporting period ending 2025-12-31.
- Elite Investor Activity
Elite Investor Consensus weakened
Disclosed agreement among tracked managers moved from 75 to 43 for the reporting period ending 2025-09-30.
- Elite Investor Activity
Elite Investor Consensus strengthened
Disclosed agreement among tracked managers moved from 33 to 75 for the reporting period ending 2025-06-30.
- Elite Investor Activity
Elite Investor Consensus weakened
Disclosed agreement among tracked managers moved from 42 to 33 for the reporting period ending 2025-03-31.
- Elite Investor Activity
Elite Investor Consensus weakened
Disclosed agreement among tracked managers moved from 86 to 42 for the reporting period ending 2024-12-31.
- Elite Investor Activity
Tracked managers exited positions
2 tracked managers no longer disclosed a position for the reporting period ending 2024-12-31.
- Elite Investor Activity
Tracked managers initiated positions
6 tracked managers first disclosed a position for the reporting period ending 2024-09-30.
Ownership timeline
No high-confidence public ownership events are available.
General research only. Not personalized advice. Public filings may be delayed, amended, incomplete, or reflect positions that have changed since the reporting date.