The Travelers Companies Inc

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TRV : NYSE : Financial
$122.04 | %
Today's Range: 121.0501 - 122.17
Avg. Daily Volume: 1573000.0
09/22/17 - 4:02 PM ET

Financial Analysis

TRAVELERS COS INC's gross profit margin for the second quarter of its fiscal year 2017 has decreased when compared to the same period a year ago. Even though sales increased, the net income has decreased.

During the same period, stockholders' equity ("net worth") has remained virtually unchanged only decreasing by 3.46% from the same quarter last year.

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Income Statement Q2 FY17 Q2 FY16
Net Sales ($mil)7184.06785.0
EBITDA ($mil)1080.01180.0
EBIT ($mil)882.0980.0
Net Income ($mil)595.0664.0

Balance Sheet Q2 FY17 Q2 FY16
Cash & Equiv. ($mil)5620.04253.0
Total Assets ($mil)102669.0102446.0
Total Debt ($mil)6920.06436.0
Equity ($mil)23858.024714.0

Profitability Q2 FY17 Q2 FY16
Gross Profit Margin26.8229.98
EBITDA Margin15.0317.39
Operating Margin12.2814.44
Sales Turnover0.270.26
Return on Assets2.793.07
Return on Equity12.0312.74
Debt Q2 FY17 Q2 FY16
Current Ratio0.00.0
Interest Expense92.093.0
Interest Coverage9.5910.54

Share Data Q2 FY17 Q2 FY16
Shares outstanding (mil)275.9288.3
Div / share0.720.67
Book value / share86.4785.72
Institutional Own % n/a n/a
Avg Daily Volume1562322.01379362.0


BUY. TRAVELERS COS INC's P/E ratio indicates a significant discount compared to an average of 49.81 for the Insurance industry and a significant discount compared to the S&P 500 average of 24.97. Conducting a second comparison, its price-to-book ratio of 1.40 indicates a significant discount versus the S&P 500 average of 3.11 and a discount versus the industry average of 1.87. 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.

1 2 3 4 5
premium   discount
  Price/Cash Flow
1 2 3 4 5
premium   discount
TRV 12.06 Peers 49.81   TRV 7.41 Peers 12.52

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.


Discount. 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 significant discount to its peers.

1 2 3 4 5
premium   discount
  Price to
1 2 3 4 5
premium   discount
TRV 12.51 Peers 16.80   TRV NM Peers 1.76

Average. An average price-to-projected earnings ratio can signify an industry neutral stock price and average future growth expectations.

TRV is trading at a valuation on par with 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.

1 2 3 4 5
premium   discount
  Earnings Growth
1 2 3 4 5
lower   higher
TRV 1.40 Peers 1.87   TRV -3.20 Peers 207.29

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 significant 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.

1 2 3 4 5
premium   discount
  Sales Growth
1 2 3 4 5
premium   discount
TRV 1.18 Peers 1.50   TRV 4.47 Peers 11.43

Discount. 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 discount to 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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