TRAVELERS COS INC's gross profit margin for the first quarter of its fiscal year 2015 has decreased when compared to the same period a year ago. Sales and net income have dropped, although the growth in net income underperformed the average competitor within the industry, the revenue growth did not.
During the same period, stockholders' equity ("net worth") has remained virtually unchanged only decreasing by 2.12% from the same quarter last year.
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|Income Statement||Q1 FY15||Q1 FY14|
|Net Sales ($mil)||6626.0||6708.0|
|Net Income ($mil)||833.0||1052.0|
|Balance Sheet||Q1 FY15||Q1 FY14|
|Cash & Equiv. ($mil)||4798.0||4294.0|
|Total Assets ($mil)||102691.0||104134.0|
|Total Debt ($mil)||6349.0||6347.0|
|Profitability||Q1 FY15||Q1 FY14|
|Gross Profit Margin||33.69||36.42|
|Return on Assets||3.38||3.67|
|Return on Equity||13.97||15.08|
|Debt||Q1 FY15||Q1 FY14|
|Share Data||Q1 FY15||Q1 FY14|
|Shares outstanding (mil)||318.7||347.5|
|Div / share||0.55||0.5|
|Book value / share||77.96||73.06|
|Institutional Own %||n/a||n/a|
|Avg Daily Volume||2011651.0||2011701.0|
BUY. This stock's P/E ratio indicates a discount compared to an average of 14.92 for the Insurance industry and a significant discount compared to the S&P 500 average of 20.83. Conducting a second comparison, its price-to-book ratio of 1.32 indicates a significant discount versus the S&P 500 average of 2.88 and a discount versus the industry average of 1.63. The current price-to-sales ratio is well below the S&P 500 average and is also below the industry average, indicating a discount. Upon assessment of these and other key valuation criteria, TRAVELERS COS INC proves to trade at a discount to investment alternatives within the industry.
|TRV 10.01||Peers 14.92||TRV 10.24||Peers 10.61|
Discount. A lower P/E ratio than its peers can signify a less expensive stock or lower growth expectations.
TRV is trading at a significant discount to its peers.
Average. The P/CF ratio, a stock’s price divided by the company's cash flow from operations, is useful for comparing companies with different capital requirements or financing structures.
TRV is trading at a valuation on par to its peers.
|TRV 10.85||Peers 13.96||TRV NM||Peers 1.07|
Discount. A lower price-to-projected earnings ratio than its peers can signify a less expensive stock or lower future growth expectations.
TRV is trading at a discount to its peers.
Neutral. The PEG ratio is the stock’s P/E divided by the consensus estimate of long-term earnings growth. Faster growth can justify higher price multiples.
TRV's negative PEG ratio makes this valuation measure meaningless.
|TRV 1.32||Peers 1.63||TRV -0.58||Peers 20.61|
Discount. A lower price-to-book ratio makes a stock more attractive to investors seeking stocks with lower market values per dollar of equity on the balance sheet.
TRV is trading at a discount to its peers.
Lower. Elevated earnings growth rates can lead to capital appreciation and justify higher price-to-earnings ratios.
However, TRV is expected to significantly trail its peers on the basis of its earnings growth rate.
|TRV 1.21||Peers 1.24||TRV 2.34||Peers 11.61|
Average. In the absence of P/E and P/B multiples, the price-to-sales ratio can display the value investors are placing on each dollar of sales.
TRV is trading at a valuation on par with its industry on this measurement.
Lower. A sales growth rate that trails the industry implies that a company is losing market share.
TRV significantly trails its peers on the basis of sales growth
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