TRVTravelers Companies

Financials · Property & Casualty Insurance · NYSE

TRV and 9 peers, year by year

The 9 Financials companies closest to TRV in revenue over the last twelve months. Every number is from the 10-K and links to it in SEC's Inline XBRL viewer.

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Each company's latest fiscal year
Company	Year	Revenue	Sales growth	Operating margin	Net margin	FCF margin	Return on equity	Debt / equity
TRV Travelers Companies	FY2025	$48.8B	+5.2%	-	12.9%	-	19.1%	0.28
V Visa Inc.	FY2026	$45.9B	+14.8%	61.2%	51.2%	48.1%	65.1%	0.61
PRU Prudential Financial	FY2025	$60.8B	−13.7%	-	5.9%	-	11.0%	0.63
MA Mastercard	FY2025	$32.8B	+16.4%	57.6%	45.6%	52.3%	193.5%	2.46
CB Chubb Limited	FY2025	$59.4B	+6.5%	-	17.4%	-	14.0%	0.23
COF Capital One	FY2025	$53.4B	+36.3%	-	4.6%	48.9%	2.2%	0.45
PYPL PayPal	FY2025	$33.2B	+4.3%	18.3%	15.8%	16.8%	25.8%	0.57
APO Apollo Global Management	FY2025	$32.0B	+22.7%	-	10.9%	-	15.0%	0.57
USB U.S. Bancorp	FY2025	$28.7B	+4.4%	-	26.4%	-	11.6%	1.20
HIG The Hartford	FY2025	$28.4B	+3.3%	-	13.5%	20.3%	20.2%	0.23

Revenuepeer median $33.2B

Sales growthpeer median +6.5%

Operating marginpeer median 57.6%

V 61.2%
MA 57.6%
PYPL 18.3%
TRV -
PRU -
CB -
COF -
APO -
USB -
HIG -

Net marginpeer median 15.8%

FCF marginpeer median 48.1%

MA 52.3%
COF 48.9%
V 48.1%
HIG 20.3%
PYPL 16.8%
TRV -
PRU -
CB -
APO -
USB -

Return on equitypeer median 15.0%

Debt / equitypeer median 0.57

MA 2.46
USB 1.20
PRU 0.63
V 0.61
APO 0.57
PYPL 0.57
COF 0.45
TRV 0.28
CB 0.23
HIG 0.23

RevenueSales growthOperating marginNet marginFree cash flowFCF marginReturn on equityDebt / equityEPS (diluted)

Revenue, FY2016 to FY2025

Revenue as reported in the 10-K.

Company	FY2016	FY2017	FY2018	FY2019	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025
TRV Dec	$27.6B	$28.9B	$30.3B	$31.6B	$32.0B	$34.8B	$36.9B	$41.4B	$46.4B	$48.8B
V Sep	$15.1B	$18.4B	$20.6B	$23.0B	$21.8B	$24.1B	$29.3B	$32.7B	$35.9B	$40.0B
PRU Dec	$58.8B	$59.7B	$63.0B	$64.8B	$57.0B	$71.2B	$56.9B	$54.0B	$70.4B	$60.8B
MA Dec	$10.8B	$12.5B	$21.8B	$25.0B	$23.6B	$29.8B	$22.2B	$25.1B	$28.2B	$32.8B
CB Dec	$31.5B	$32.2B	$32.7B	$34.2B	$36.0B	$40.9B	$43.1B	$49.7B	$55.8B	$59.4B
COF Dec	$25.5B	$27.2B	$28.1B	$28.6B	$28.5B	$30.4B	$34.2B	$36.8B	$39.1B	$53.4B
PYPL Dec	$10.8B	$13.1B	$15.5B	$17.8B	$21.5B	$25.4B	$27.5B	$29.8B	$31.8B	$33.2B
APO Dec	-	-	-	-	$2.4B	$6.0B	$11.0B	$32.6B	$26.1B	$32.0B
USB Dec	$21.3B	$21.9B	$22.6B	$22.9B	$23.2B	$22.7B	$24.3B	$28.1B	$27.5B	$28.7B
HIG Dec	$16.3B	$17.2B	$19.0B	$20.7B	$20.5B	$22.4B	$22.4B	$24.5B	$26.5B	$28.4B
Peer median	$18.8B	$20.1B	$22.2B	$24.0B	$23.2B	$25.4B	$27.5B	$32.6B	$31.8B	$33.2B

Sales growth, FY2016 to FY2025

Revenue against the fiscal year before.

Company	FY2016	FY2017	FY2018	FY2019	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025
TRV Dec	+3.0%	+4.6%	+4.8%	+4.3%	+1.3%	+8.9%	+5.9%	+12.1%	+12.2%	+5.2%
V Sep	-	+21.7%	+12.3%	+11.5%	−4.9%	+10.3%	+21.6%	+11.4%	+10.0%	+11.3%
PRU Dec	+2.9%	+1.5%	+5.5%	+2.9%	−12.0%	+24.4%	−20.2%	−5.1%	+30.4%	−13.7%
MA Dec	+11.5%	+16.0%	+19.6%	+14.4%	−5.5%	+23.4%	+17.8%	+12.9%	+12.2%	+16.4%
CB Dec	+65.7%	+2.5%	+1.5%	+4.5%	+5.3%	+13.8%	+5.5%	+15.4%	+12.1%	+6.5%
COF Dec	+8.9%	+6.8%	+3.1%	+11.3%	−2.2%	+27.9%	+13.3%	+4.2%	+4.8%	+36.3%
PYPL Dec	+17.2%	+20.8%	+18.0%	+15.0%	+20.7%	+18.3%	+8.5%	+8.2%	+6.8%	+4.3%
APO Dec	-	-	-	-	-	+153%	+84.3%	+198%	−20.0%	+22.7%
USB Dec	+4.9%	+3.5%	+3.4%	+1.1%	+1.5%	−2.2%	+7.0%	+15.8%	−2.4%	+4.4%
HIG Dec	+0.7%	+5.3%	+13.2%	−1.0%	−3.1%	+15.4%	−9.3%	−2.9%	+5.5%	+3.3%
Peer median	+8.9%	+6.1%	+8.9%	+7.9%	−2.7%	+18.3%	+8.5%	+11.4%	+6.8%	+6.5%

Operating margin, FY2016 to FY2025

Operating income / revenue.

Company	FY2016	FY2017	FY2018	FY2019	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025
TRV Dec	-	-	-	-	-	-	-	-	-	-
V Sep	52.3%	66.2%	62.9%	65.3%	64.5%	65.6%	64.2%	64.3%	65.7%	60.0%
PRU Dec	-	-	-	-	-	-	-	-	-	-
MA Dec	53.5%	53.0%	33.4%	38.7%	34.2%	33.8%	55.2%	55.8%	55.3%	57.6%
CB Dec	-	-	-	-	-	-	-	-	-	-
COF Dec	-	-	-	-	-	-	-	-	-	-
PYPL Dec	14.6%	16.2%	14.2%	15.3%	15.3%	16.8%	13.9%	16.9%	16.7%	18.3%
APO Dec	-	-	-	-	-	-	-	-	-	-
USB Dec	-	-	-	-	-	-	-	-	-	-
HIG Dec	-	-	-	-	-	-	-	-	-	-
Peer median	52.3%	53.0%	33.4%	38.7%	34.2%	33.8%	55.2%	55.8%	55.3%	57.6%

Net margin, FY2016 to FY2025

Net income / revenue.

Company	FY2016	FY2017	FY2018	FY2019	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025
TRV Dec	10.9%	7.1%	8.3%	8.3%	8.4%	10.5%	7.7%	7.2%	10.8%	12.9%
V Sep	39.7%	36.5%	50.0%	52.6%	49.7%	51.1%	51.0%	52.9%	55.0%	50.1%
PRU Dec	7.4%	13.2%	6.5%	6.5%	−0.7%	12.4%	−2.9%	4.6%	3.9%	5.9%
MA Dec	37.7%	31.3%	26.8%	32.5%	27.1%	29.1%	44.7%	44.6%	45.7%	45.6%
CB Dec	13.1%	12.0%	12.1%	13.0%	9.8%	20.9%	12.2%	18.2%	16.6%	17.4%
COF Dec	14.7%	7.3%	21.4%	19.4%	9.5%	40.7%	21.5%	13.3%	12.1%	4.6%
PYPL Dec	12.9%	13.7%	13.3%	13.8%	19.6%	16.4%	8.8%	14.3%	13.0%	15.8%
APO Dec	-	-	-	-	6.7%	30.9%	−17.9%	15.5%	17.5%	10.9%
USB Dec	27.6%	28.4%	31.3%	30.2%	21.4%	35.0%	24.0%	19.3%	22.9%	26.4%
HIG Dec	5.5%	−18.2%	9.5%	10.1%	8.5%	10.6%	8.1%	10.2%	11.7%	13.5%
Peer median	13.9%	13.4%	17.4%	16.6%	9.8%	29.1%	12.2%	15.5%	16.6%	15.8%

Free cash flow, FY2016 to FY2025

Cash from operations minus capital spending.

Company	FY2016	FY2017	FY2018	FY2019	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025
TRV Dec	-	-	-	-	-	-	-	-	-	-
V Sep	$5.1B	$8.6B	$12.2B	$12.0B	$9.7B	$14.5B	$17.9B	$19.7B	$18.7B	$21.6B
PRU Dec	-	-	-	-	-	-	-	-	-	-
MA Dec	$4.4B	$5.4B	$5.9B	$7.8B	$6.9B	$9.1B	$10.8B	$11.6B	$14.3B	$17.2B
CB Dec	-	-	-	-	-	-	-	-	-	-
COF Dec	$11.1B	$13.2B	$12.1B	$15.8B	$16.0B	$11.6B	$12.9B	$19.6B	$17.0B	$26.1B
PYPL Dec	$2.5B	$1.9B	$4.7B	$3.4B	$5.4B	$4.9B	$5.1B	$4.2B	$6.8B	$5.6B
APO Dec	-	-	-	-	-	-	-	-	-	-
USB Dec	-	-	-	-	-	-	-	-	-	-
HIG Dec	$1.8B	$1.9B	$2.7B	$3.4B	$3.8B	$4.0B	$3.8B	$4.0B	$5.8B	$5.8B
Peer median	$4.4B	$5.4B	$5.9B	$7.8B	$6.9B	$9.1B	$10.8B	$11.6B	$14.3B	$17.2B

FCF margin, FY2016 to FY2025

Free cash flow / revenue.

Company	FY2016	FY2017	FY2018	FY2019	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025
TRV Dec	-	-	-	-	-	-	-	-	-	-
V Sep	33.5%	46.9%	59.3%	52.3%	44.4%	60.2%	61.0%	60.3%	52.0%	53.9%
PRU Dec	-	-	-	-	-	-	-	-	-	-
MA Dec	41.0%	42.9%	27.0%	31.1%	29.2%	30.3%	48.4%	46.3%	50.8%	52.3%
CB Dec	-	-	-	-	-	-	-	-	-	-
COF Dec	43.4%	48.3%	43.1%	55.1%	56.1%	38.2%	37.6%	53.3%	43.3%	48.9%
PYPL Dec	23.0%	14.2%	30.1%	18.9%	25.0%	19.3%	18.6%	14.2%	21.3%	16.8%
APO Dec	-	-	-	-	-	-	-	-	-	-
USB Dec	-	-	-	-	-	-	-	-	-	-
HIG Dec	11.3%	11.3%	14.4%	16.3%	18.3%	17.7%	17.1%	16.3%	21.7%	20.3%
Peer median	33.5%	42.9%	30.1%	31.1%	29.2%	30.3%	37.6%	46.3%	43.3%	48.9%

Return on equity, FY2016 to FY2025

Net income / shareholders' equity at the year end.

Company	FY2016	FY2017	FY2018	FY2019	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025
TRV Dec	13.0%	8.7%	11.0%	10.1%	9.2%	12.7%	13.2%	12.0%	17.9%	19.1%
V Sep	18.2%	20.4%	30.3%	34.8%	30.0%	32.8%	42.0%	44.6%	50.4%	52.9%
PRU Dec	9.5%	14.5%	8.4%	6.6%	−0.6%	14.3%	−5.4%	8.9%	9.8%	11.0%
MA Dec	71.8%	71.6%	108.6%	137.8%	100.3%	118.8%	157.7%	161.6%	198.5%	193.5%
CB Dec	8.6%	7.5%	7.9%	8.0%	5.9%	14.6%	10.4%	15.2%	14.5%	14.0%
COF Dec	7.9%	4.1%	11.6%	9.6%	4.5%	20.3%	14.0%	8.4%	7.8%	2.2%
PYPL Dec	9.5%	11.2%	13.4%	14.6%	21.0%	19.2%	11.9%	20.2%	20.3%	25.8%
APO Dec	-	-	-	-	2.8%	48.5%	−29.5%	35.9%	26.5%	15.0%
USB Dec	12.4%	12.7%	13.9%	13.3%	9.3%	14.5%	11.5%	9.8%	10.8%	11.6%
HIG Dec	5.3%	−23.2%	13.8%	12.8%	9.4%	13.3%	13.3%	16.3%	18.9%	20.2%
Peer median	9.5%	12.0%	13.6%	13.1%	9.3%	19.2%	11.9%	16.3%	18.9%	15.0%

Debt / equity, FY2016 to FY2025

Total debt / shareholders' equity at the year end.

Company	FY2016	FY2017	FY2018	FY2019	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025
TRV Dec	0.28	0.28	0.29	0.25	0.22	0.25	0.34	0.32	0.29	0.28
V Sep	0.48	0.51	0.49	0.48	0.66	0.56	0.63	0.53	0.53	0.66
PRU Dec	0.42	0.34	0.41	0.33	0.31	0.31	0.68	0.70	0.72	0.63
MA Dec	0.92	0.99	1.17	1.45	1.98	1.90	2.23	2.26	2.81	2.46
CB Dec	0.27	0.25	0.25	0.27	0.25	0.28	0.29	0.24	0.24	0.23
COF Dec	1.27	1.24	1.14	0.96	0.67	0.71	0.93	0.86	0.75	0.45
PYPL Dec	-	-	0.13	0.29	0.45	0.37	0.51	0.46	0.48	0.57
APO Dec	-	-	-	-	-	0.83	0.97	0.58	0.61	0.57
USB Dec	1.00	1.00	1.09	1.23	1.00	0.80	1.40	1.21	1.26	1.20
HIG Dec	0.33	0.35	0.33	0.27	0.23	0.28	0.32	0.28	0.27	0.23
Peer median	0.48	0.51	0.45	0.40	0.56	0.56	0.68	0.58	0.61	0.57

EPS (diluted), FY2016 to FY2025

Diluted earnings per share, on today's share count after splits.

Company	FY2016	FY2017	FY2018	FY2019	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025
TRV Dec	$10.28	$7.33	$9.28	$9.92	$10.52	$14.49	$11.77	$12.79	$21.47	$27.43
V Sep	-	-	-	-	-	-	-	-	-	-
PRU Dec	$9.71	$17.86	$9.50	$10.11	−$1.00	$22.40	−$4.49	$6.74	$7.50	$9.99
MA Dec	$3.69	$3.65	$5.60	$7.94	$6.37	$8.76	$10.22	$11.83	$13.89	$16.52
CB Dec	$8.87	$8.19	$8.49	$9.71	$7.79	$19.24	$12.39	$21.80	$22.70	$25.68
COF Dec	$6.89	$3.49	$11.82	$11.05	$5.18	$26.94	$17.91	$11.95	$11.59	$4.03
PYPL Dec	$1.15	$1.47	$1.71	$2.07	$3.54	$3.52	$2.09	$3.84	$3.99	$5.41
APO Dec	-	-	-	-	$0.44	$7.32	−$3.43	$8.28	$7.33	$5.54
USB Dec	$3.24	$3.51	$4.14	$4.16	$3.06	$5.10	$3.69	$3.27	$3.79	$4.62
HIG Dec	$2.27	−$8.61	$4.95	$5.66	$4.76	$6.64	$5.46	$7.97	$10.35	$13.32
Peer median	$3.69	$3.51	$5.60	$7.94	$4.15	$8.04	$4.58	$8.12	$8.93	$7.77

Fiscal years are lined up as each company's 10-K names them; the month next to a ticker is when its year ends. Hover a number for the XBRL line items and the filing; click it to open the filing on sec.gov. "n/m" means not meaningful: equity below zero, or a base so close to zero that the ratio says nothing. The peer median leaves out TRV and needs at least three peers with the number. P/E, P/S and P/FCF at each year end appear here once the site has daily prices. What the same companies write about AI, tariffs and more →

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Work on TRV in a spreadsheet: Excel workbook (a sheet per section, ten years by column, charts, links to the filings) · CSV. For a Google Sheet that stays up to date, paste =IMPORTDATA("https://tickdelta.com/company/TRV/export.csv") into a cell.