TRAVELERS COMPANIES, INC.

TRVCIK 000008631219 fiscal yearsInsurance lens ↓

RevenueFY2025

$48.83B5.2%

Net incomeFY2025

$6.29B25.8%

Diluted EPSFY2025

$27.4327.8%

Trends

FY2007–FY2025 · hover a year for its filing

Revenue & net incomeRevenueNet income

revenue 1.9× since FY2007 · net margin 11.9% → 12.9%

MarginsNet marginFCF margin

FY2025: net 12.9% of revenue

Cash flowOperating cash flowFree cash flow

Returns on capitalReturn on equityReturn on assets

return on equity 12% (FY2008) → 19% (FY2025) · on assets 4.4%

Balance sheetLiabilitiesEquity

FY2025: $143.71B assets · $110.81B liabilities · $32.89B equity

Financial statements

Annual Quarterly

USD millions, except per-share values; share counts in millions. Hover a value for its XBRL tag and filing accession.

USD millions	FY2025	FY2024	FY2023	FY2022	FY2021	FY2020	FY2019	FY2018	FY2017	FY2016	FY2015	FY2014
Revenue	48,828	46,423	41,364	36,884	34,816	31,981	31,581	30,282	28,902	27,625	26,815	27,174
Net income	6,288	4,999	2,991	2,842	3,662	2,697	2,622	2,523	2,056	3,014	3,439	3,692
Diluted EPS	27.43	21.47	12.79	11.77	14.49	10.52	9.92	9.28	7.33	10.28	10.88	10.70
Diluted shares	228	231	232	240	251	255	262	270	279	291	314	343
Operating cash flow	10,606	9,074	7,711	6,465	7,274	6,519	5,205	4,380	4,148	4,469	3,434	3,693
Cash & equivalents	842	699	650	799	761	721	494	373	—	—	—	—
Total assets	143,708	133,189	125,978	115,717	120,466	116,764	110,122	104,233	103,483	100,245	100,184	103,078
Total liabilities	110,814	105,325	101,057	94,157	91,579	87,563	84,179	81,339	79,752	77,024	76,586	78,242
Shareholders' equity	32,894	27,864	24,921	21,560	28,887	29,201	25,943	22,894	23,731	23,221	23,598	24,836

As reported in SEC filings; a missing tag shows “—”, never zero. Free cash flow is operating cash flow − capex. Methodology

Insurance lens

Metrics specific to insurers. Annual figures, in USD millions; ratios in percent.

USD millions	FY2025	FY2024	FY2023	FY2022	FY2021	FY2020	FY2019	FY2018	FY2017	FY2016	FY2015	FY2014
Premiums earned	43,914	41,941	37,761	33,763	30,855	29,044	28,272	27,059	25,683	24,534	23,874	23,713
Policyholder benefits & claims	27,221	27,059	26,215	22,854	20,298	19,123	19,133	18,291	17,467	15,070	13,723	13,870
Loss ratio	62.0%	64.5%	69.4%	67.7%	65.8%	65.8%	67.7%	67.6%	68.0%	61.4%	57.5%	58.5%

Premiums earned and policyholder benefits are as reported. Brokers such as Aon and Marsh McLennan earn fees, not premiums, so those rows are blank for them. The loss ratio (benefits ÷ premiums earned) is computed by stonks for full fiscal years only.