TRAVELERS COS INC's gross profit margin for the third quarter of its fiscal year 2015 is essentially unchanged when compared to the same period a year ago. Even though sales decreased, the net income has increased, representing an increase to the bottom line.
During the same period, stockholders' equity ("net worth") has decreased by 5.08% from the same quarter last year.
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|Income Statement||Q3 FY15||Q3 FY14|
|Net Sales ($mil)||6794.0||6886.0|
|Net Income ($mil)||928.0||919.0|
|Balance Sheet||Q3 FY15||Q3 FY14|
|Cash & Equiv. ($mil)||5472.0||5400.0|
|Total Assets ($mil)||102110.0||104522.0|
|Total Debt ($mil)||6743.0||6348.0|
|Profitability||Q3 FY15||Q3 FY14|
|Gross Profit Margin||35.69||34.59|
|Return on Assets||3.53||3.48|
|Return on Equity||15.02||14.38|
|Debt||Q3 FY15||Q3 FY14|
|Share Data||Q3 FY15||Q3 FY14|
|Shares outstanding (mil)||304.2||331.4|
|Div / share||0.61||0.55|
|Book value / share||79.0||76.41|
|Institutional Own %||n/a||n/a|
|Avg Daily Volume||1949155.0||1975552.0|
BUY. This stock's P/E ratio indicates a discount compared to an average of 16.89 for the Insurance industry and a significant discount compared to the S&P 500 average of 22.01. For additional comparison, its price-to-book ratio of 1.45 indicates a discount versus the S&P 500 average of 2.78 and a discount versus the industry average of 1.58. 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 10.29||Peers 16.89||TRV 10.74||Peers 10.51|
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 11.71||Peers 14.41||TRV NM||Peers 1.06|
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 1.45||Peers 1.58||TRV 8.45||Peers -1.22|
Average. 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 valuation on par with its peers.
Higher. Elevated earnings growth rates can lead to capital appreciation and justify higher price-to-earnings ratios.
TRV is expected to have an earnings growth rate that significantly exceeds its peers.
|TRV 1.30||Peers 1.31||TRV -0.77||Peers -1.36|
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.
Higher. A sales growth rate that exceeds the industry implies that a company is gaining market share.
TRV has a sales growth rate that significantly exceeds its peers.
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