| Company Name: | Travelers Companies, Inc. | | Ticker Symbol: | TRV | | | WWW Address: | https://www.travelers.com |
| CEO: | Jay S. Fishman | | No. of Employees: | 30,500 |
| Common Issue Type: | CS | | Business Description: | Travelers Companies, Inc. is a holding company, which through its subsidiaries is engaged in providing commercial and personal property and casualty insurance products and services to businesses, government units, associations and individuals.
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| | | Industry Information: | INSURANCE - Property & Casualty Insurance [more like this] |
| | Price | Day Change | Bid | Ask | Open | High | Low | Volume | | 83.77 |  0.14 | - | - | 83.56 | 85.66 | 83.16 | 3411454 |
| Market Cap (mil) | Shares Outstanding (mil) | Beta | EPS | DPS | P/E | Yield | 52-Wks-Range |
| 31,532.6 | 376.4 | 0.68 | 6.30 | 1.79 | 12.7 | 2.4 | 89.00 - 60.08 |
| | KEY FIGURES (Latest Twelve Months - LTM) | | Yesterday's Close | 83.63 | $ | | PE Ratio - LTM | 12.7 | |
| Market Capitalisation | 31,532.6 | mil |
| Latest Shares Outstanding | 376.4 | mil |
| Earnings pS (EPS) | 6.30 | $ |
| Dividend pS (DPS) | 1.79 | ¢ |
| Dividend Yield | 2.4 | % |
| Dividend Payout Ratio | 28 | % |
| Revenue per Employee | 843,934 | $ |
| Effective Tax Rate | 21.9 | % |
| Float | 375.3 | mil |
| Float as % of Shares Outstanding | 99.7 | % |
| Foreign Sales | - | |
| Domestic Sales | - | |
| Selling, General & Adm/tive (SG&A) as % of Revenue | - | |
| Research & Devlopment (R&D) as % of Revenue | - | |
| Gross Profit Margin | - | |
| EBITDA Margin | 14.3 | % |
| Pre-Tax Profit Margin | 12.9 | % |
| Assets Turnover | 0.2 | % |
| Return on Assets (ROA) | 2.5 | % |
| Return on Equity (ROE) | 10.0 | % |
| Return on Capital Invested (ROCI) | 8.2 | % |
| Current Ratio | - | |
| Leverage Ratio (Assets/Equity) | 4.1 | |
| Interest Cover | 9.8 | |
| Total Debt/Equity (Gearing Ratio) | 0.23 | |
| LT Debt/Total Capital | 18.0 | % |
| Working Capital pS | - | |
| Cash pS | - | |
| Book-Value pS | 68.00 | $ |
| Tangible Book-Value pS | 58.08 | $ |
| Cash Flow pS | 6.81 | $ |
| Free Cash Flow pS | 5.95 | $ |
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| KEY FIGURES (LTM): Price info |
| Price/Book Ratio | 1.23 | |
| Price/Tangible Book Ratio | 1.44 | |
| Price/Cash Flow | 12.3 | |
| Price/Free Cash Flow | 14.1 | |
| P/E as % of Industry Group | 63.0 | % |
| P/E as % of Sector Segment | 56.0 | % |
| | | Balance Sheet (at a glance) in Millions |
| | | | | | DIVIDEND INFO | | Dividend Declared Date | 04/22/2013 |
| Dividend Ex-Date | 06/05/2013 |
| Dividend Record Date | 06/09/2013 |
| Dividend Pay Date | 06/27/2013 |
| Dividend Amount | 500 |
| Type of Payment | Cash Payment |
| Dividend Rate | 2.00 |
| Current Dividend Yield | 2.4 |
| 5-Y Average Dividend Yield | 2.6 |
| Payout Ratio | 28.0 |
| 5-Y Average Payout Ratio | 28.0 |
|  | | Share price performance previous 3 years |
|
 | | | Share price performance intraday |
|
 | | | | | PRICE/VOLUME | High | Low | Close | % Price Chg | % Price Chg vs. Mkt. | Avg. Daily Vol | Total Vol |
| 1 Week | - | - | - | -3.3 | 97 | 19,543 | 60,770 |
| 4 Weeks | 87.91 | 83.16 | 85.15 | -1.8 | 93 | 18,185 | 309,139 |
| 13 Weeks | 89.00 | 79.25 | 81.01 | 3.2 | 94 | 18,797 | 1,146,599 |
| 26 Weeks | 89.00 | 69.80 | 71.27 | 17.3 | 99 | 20,538 | 2,505,629 |
| 52 Weeks | 89.00 | 60.08 | 62.60 | 33.6 | 105 | 22,630 | 5,566,960 |
| YTD | 89.00 | 72.50 | - | 16.4 | 99 | 19,665 | 1,907,489 |
| Moving Average | 5-Days | 10-Days | 10-Weeks | 30-Weeks | 200-Days | Beta (60-Mnth) | Beta (36-Mnth) |
| 86.07 | 86.50 | 85.06 | 78.47 | 75.09 | 0.68 | 0.84 |
| | | | GROWTH RATES | 5-Year
Growh | R² of 5-Year Growth | 3-Year
Growth |
| Revenue | 0.49 | 18.5 | 0.86 |
| Income | -2.35 | 2.8 | -3.50 |
| Dividend | 9.59 | 94.6 | 11.50 |
| Capital Spending | 0.00 | NA | 0.00 |
| R&D | 0.00 | NA | 0.00 |
| Normalized Inc. | 0.00 | NA | 0.00 |
| | | CHANGES | YTD vs.
Last YTD | Curr Qtr vs.
Qtr 1-Yr ago | Annual vs.
Last Annual |
| Revenue % | -1.0 | -1.0 | 1.2 |
| Earnings % | 11.2 | 11.2 | 73.4 |
| EPS % | 15.3 | 15.3 | 87.5 |
| EPS $ | 0.31 | 0.31 | 2.94 |
| | | | SOLVENCY RATIOS | | SHORT-TERM SOLVENCY RATIOS (LIQUIDITY) |
| Free Cash Flow Margin | 10.00 |
| Free Cash Flow Margin 5YEAR AVG | 10.05 |
| Cash-Flow pS | 8.36 |
| Free Cash-Flow pS | 6.72 |
| FINANCIAL STRUCTURE RATIOS |
| Financial Leverage Ratio (Assets/Equity) | 4.13 |
| Debt Ratio | 75.79 |
| Total Debt/Equity (Gearing Ratio) | 0.25 |
| LT Debt/Equity | 0.25 |
| LT Debt/Capital Invested | 20.00 |
| LT Debt/Total Liabilities | 7.98 |
| | | | VALUATION RATIOS | | MULTIPLES |
| PQ Ratio | 0.81 |
| Tobin's Q Ratio | 0.30 |
| Current P/E Ratio - LTM | 12.70 |
| Enterprise Value (EV)/EBITDA | 0.08 |
| Enterprise Value (EV)/Free Cash Flow | 8.83 |
| Dividend Yield | 2.4 |
| Price/Tangible Book Ratio - LTM | 1.44 |
| Price/Book Ratio - LTM | 1.23 |
| Price/Cash Flow Ratio | 12.3 |
| Price/Free Cash Flow Ratio - LTM | 14.1 |
| P/E Ratio (1 month ago) - LTM | 12.9 |
| P/E Ratio (26 weeks ago) - LTM | 10.2 |
| P/E Ratio (52 weeks ago) - LTM | 18.4 |
| 5-Y High P/E Ratio | 19.1 |
| 5-Y Low P/E Ratio | 5.2 |
| 5-Y Average P/E Ratio | 10.9 |
| Current P/E Ratio as % of 5-Y Average P/E | 116 |
| P/E as % of Industry Group | 63.0 |
| P/E as % of Sector Segment | 56.0 |
| Current 12 Month Normalized P/E Ratio - LTM | 12.7 |
| PER SHARE FIGURES |
| Tangible Book Value pS - LTM | 58.08 |
| Book Value pS - LTM | 68.00 |
| Capital Invested pS | 84.36 |
| Cash Flow pS - LTM | 6.81 |
| Free Cash Flow pS - LTM | 5.95 |
| Earnings pS (EPS) | 6.30 |
| | | | OPERATING RATIOS | | PROFITABILITY |
| Return on Equity (ROE) | 9.73 |
| Return on Equity (ROE) - 5YEAR AVRG. | 10.7 |
| Return on Capital Invested (ROCI) | 7.79 |
| Return on Capital Invested (ROCI) - 5YEAR AVRG. | 8.6 |
| Return on Assets (ROA) | 2.36 |
| Return on Assets (ROA) - 5YEAR AVRG. | 2.6 |
| EBIT Margin - LTM | 14.3 |
| EBITDA Margin - LTM | 14.3 |
| Pre-Tax Profit Margin | 12.30 |
| Pre-Tax Profit Margin - 5YEAR AVRG. | 13.81 |
| Net Profit Margin | 9.61 |
| Net Profit Margin - 5YEAR AVRG. | 10.93 |
| Effective Tax Rate | 21.89 |
| Effective Tax Rate - 5YEAR AVRG. | 17.23 |
| EFFICIENCY RATIOS |
| Revenue per Employee - LTM | 841,836 |
| Net Income per Employee - LTM | 84,033 |
| Assets/Revenue - LTM | 500.00 |
| Assets/Revenue - 5YEAR AVRG. | 425.98 |
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