Need an investment idea? Check out Popular Stocks and S2O Stock Screener.

Market Price

109.47 

-0.03 -1.3%

as of Dec 07 '18

52 Week Range:

103.81 120.45


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

The Travelers Companies, Inc., through its subsidiaries, provides a range of commercial and personal property, and casualty insurance products and services to businesses, government units, associations, and individuals in the United states and internationally. The company operates through three segments: Business Insurance, Bond & Specialty Insurance, and Personal Insurance. The Business Insurance segment offers workers' compensation, commercial automobile and property, general liability, commercial multi-peril, employers' liability, public and product liability, professional indemnity, marine, aviation, personal accident, and kidnap and ransom insurance products. This segment operates through select accounts, which serve small businesses; commercial accounts that serve mid-sized businesses; national accounts, which serve large companies; and national property and other that serve large and mid-sized customers, commercial transportation industry, and agricultural businesses, as well as markets and distributes its products through brokers, wholesale agents, program managers, and specialized retail agents. The Bond & Specialty Insurance segment provides surety, fidelity, management and professional liability, and other property and casualty insurance products. The Personal Insurance segment offers property and casualty insurance covering personal risks, primarily automobile and homeowners insurance to individuals. The company distributes its products primarily through independent agencies and brokers. The Travelers Companies, Inc. was founded in 1853 and is based in New York, New York.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '07 Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Equity (BVPS) 27.61
29.85
37.63
47.37
49.47
51.82
51.05
64.66
74.34
82.68
73.27
growth rate 8.1% 26.1% 25.9% 4.4% 4.8% -1.5% 26.7% 15.0% 11.2% -11.4%
Earnings BIT 4,489.60
2,685.10
3,399.68
3,110.96
974.43
2,288.11
3,572.91
5,458.00
5,113.00
4,290.00
3,099.00
growth rate -40.2% 26.6% -8.5% -68.7% 134.8% 56.2% 52.8% -6.3% -16.1% -27.8%
Avg.PE 7.81
8.94
7.78
8.36
17.79
11.29
9.08
3.83
3.83
11.04
16.13
growth rate 14.5% -13.0% 7.5% 112.8% -36.5% -19.6% -57.8% 0.0% 188.3% 46.1%
ROA 4.02
2.60
3.30
3.00
1.35
2.34
3.49
3.54
3.36
2.99
2.00
growth rate -35.3% 26.9% -9.1% -55.0% 73.3% 49.2% 1.4% -5.1% -11.0% -33.1%
ROE 17.86
11.30
13.78
12.20
5.67
9.84
14.53
14.77
14.10
12.78
8.69
growth rate -36.7% 22.0% -11.5% -53.5% 73.5% 47.7% 1.7% -4.5% -9.4% -32.0%
ROIC 15.30
10.02
12.04
10.64
5.68
8.81
12.53
12.73
growth rate -34.5% 20.2% -11.6% -46.6% 55.1% 42.2% 1.6%
Leverage 4.35
4.35
4.01
4.14
4.27
4.13
4.19
4.15
4.25
4.32
4.36
growth rate 0.0% -7.8% 3.2% 3.1% -3.3% 1.5% -1.0% 2.4% 1.7% 0.9%
Balance Sheet Dec '07 Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Acct.Receivable 6,298.00
6,437.00
6,722.00
7,209.00
growth rate 2.2% 4.4% 7.2%
Acct.Payable 50,240.00
48,648.00
48,284.00
50,022.00
growth rate -3.2% -0.8% 3.6%
Cur.Assets 25,343.00
25,414.00
25,420.00
26,138.00
growth rate 0.3% 0.0% 2.8%
Total Assets 81,248.28
82,980.74
80,023.85
79,205.11
79,480.04
78,627.21
103,078.00
100,184.00
100,245.00
103,483.00
growth rate 2.1% -3.6% -1.0% 0.4% -1.1% 31.1% -2.8% 0.1% 3.2%
Cash 259.39
193.14
151.48
162.08
249.94
222.68
374.00
380.00
307.00
344.00
growth rate -25.5% -21.6% 7.0% 54.2% -10.9% 68.0% 1.6% -19.2% 12.1%
Cur.Liabilities 62,318.00
60,769.00
60,785.00
64,306.00
growth rate -2.5% 0.0% 5.8%
Liabilities 62,484.36
62,216.62
60,729.09
60,666.23
60,238.29
59,846.72
78,242.00
76,586.00
77,024.00
79,752.00
growth rate -0.4% -2.4% -0.1% -0.7% -0.7% 30.7% -2.1% 0.6% 3.5%
LT Debt 4,870.00
4,400.65
4,661.04
4,924.61
4,737.54
4,355.05
4,730.72
6,249.00
6,244.00
6,337.00
6,471.00
growth rate -9.6% 5.9% 5.7% -3.8% -8.1% 8.6% 32.1% -0.1% 1.5% 2.1%
Equity 26,616.00
18,763.91
20,764.12
19,294.77
18,538.88
19,241.75
18,780.49
24,836.00
23,598.00
23,221.00
23,731.00
growth rate -29.5% 10.7% -7.1% -3.9% 3.8% -2.4% 32.2% -5.0% -1.6% 2.2%
Common Shares 669.00
604.00
569.00
483.00
421.00
390.00
374.00
343.00
313.00
291.00
279.00
growth rate -9.7% -5.8% -15.1% -12.8% -7.4% -4.1% -8.3% -8.8% -7.0% -4.1%
Cash Flow Statement Dec '07 Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Capital Expenditures 0.00 0.00 0.00 0.00 0.00 0.00
growth rate
Cash Dividends 742.00
529.89
524.88
509.73
503.67
525.64
552.14
729.00
739.00
757.00
785.00
growth rate -28.6% -1.0% -2.9% -1.2% 4.4% 5.0% 32.0% 1.4% 2.4% 3.7%
Cash From OA 5,286.00
2,325.57
3,204.56
2,313.10
1,642.80
2,446.40
2,890.24
3,693.00
3,434.00
4,202.00
3,762.00
growth rate -56.0% 37.8% -27.8% -29.0% 48.9% 18.1% 27.8% -7.0% 22.4% -10.5%
FCF per Share 5.53
4.47
4.50
5.12
4.43
5.96
6.42
9.61
9.12
12.22
13.03
growth rate -19.2% 0.7% 13.8% -13.5% 34.5% 7.7% 49.7% -5.1% 34.0% 6.6%
Sale Purchase of Stock 195.00
183.00
332.00
173.00
growth rate -6.2% 81.4% -47.9%
FCF 5,286.00
3,138.00
4,231.00
3,054.00
2,169.00
3,230.00
3,816.00
3,693.00
3,434.00
4,202.00
3,762.00
growth rate -40.6% 34.8% -27.8% -29.0% 48.9% 18.1% -3.2% -7.0% 22.4% -10.5%
Income Statement Dec '07 Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Sales 20,300.00
18,139.90
18,692.63
19,019.83
19,272.80
19,495.48
19,837.06
27,174.00
26,815.00
27,499.00
28,902.00
growth rate -10.6% 3.1% 1.8% 1.3% 1.2% 1.8% 37.0% -1.3% 2.6% 5.1%
Op.Income 3,716.00
4,711.00
4,306.00
1,352.00
3,166.00
5,458.00
5,113.00
4,290.00
3,099.00
growth rate 26.8% -8.6% -68.6% 134.2% 31.3% -6.3% -16.1% -27.8%
IBT 2,753.93
3,568.11
3,261.36
1,024.00
2,397.93
3,745.34
5,089.00
4,740.00
4,053.00
2,730.00
growth rate 29.6% -8.6% -68.6% 134.2% 56.2% 35.9% -6.9% -14.5% -32.6%
Net Income 2,166.98
2,743.30
2,435.80
1,080.05
1,873.05
2,781.93
3,692.00
3,439.00
3,014.00
2,056.00
growth rate 26.6% -11.2% -55.7% 73.4% 48.5% 32.7% -6.9% -12.4% -31.8%
EPS 6.85
4.81
6.33
6.62
3.36
6.30
9.74
10.70
10.88
10.28
7.33
growth rate -29.8% 31.6% 4.6% -49.2% 87.5% 54.6% 9.9% 1.7% -5.5% -28.7%
Gross Profit 9,914.00
7,604.00
8,459.00
8,100.00
5,294.00
7,154.00
9,422.00
9,207.00
8,444.00
7,269.00
growth rate -23.3% 11.2% -4.2% -34.6% 35.1% 14.8% -2.3% -8.3% -13.9%

Quarterly Statements

Item Name Sep '17 Dec '17 Mar '18 Jun '18 Sep '18
Earnings BIT 415.00
953.00
867.00
721.00
892.00
growth rate 129.6% -9.0% -16.8% 23.7%
Balance Sheet Sep '17 Dec '17 Mar '18 Jun '18 Sep '18
Acct.Receivable 7,267.00
7,209.00
7,536.00
7,786.00
7,639.00
growth rate -0.8% 4.5% 3.3% -1.9%
Acct.Payable 50,173.00
50,022.00
50,308.00
50,357.00
50,848.00
growth rate -0.3% 0.6% 0.1% 1.0%
Cur.Assets 27,175.00
26,138.00
26,119.00
25,591.00
26,219.00
growth rate -3.8% -0.1% -2.0% 2.5%
Total Assets 104,311.00
103,483.00
103,676.00
103,523.00
104,390.00
growth rate -0.8% 0.2% -0.2% 0.8%
Cash 379.00
344.00
397.00
415.00
359.00
growth rate -9.2% 15.4% 4.5% -13.5%
Cur.Liabilities 63,420.00
64,306.00
63,732.00
64,112.00
64,927.00
growth rate 1.4% -0.9% 0.6% 1.3%
Liabilities 80,573.00
79,752.00
80,697.00
80,900.00
81,930.00
growth rate -1.0% 1.2% 0.3% 1.3%
LT Debt 6,921.00
6,471.00
6,963.00
6,464.00
6,464.00
growth rate -6.5% 7.6% -7.2% 0.0%
Equity 23,738.00
23,731.00
22,979.00
22,623.00
22,460.00
growth rate 0.0% -3.2% -1.6% -0.7%
Common Shares 22,836.00
22,886.00
22,995.00
23,040.00
23,089.00
growth rate 0.2% 0.5% 0.2% 0.2%
Cash Flow Statement Sep '17 Dec '17 Mar '18 Jun '18 Sep '18
Capital Expenditures
growth rate
Cash Dividends 200.00
196.00
197.00
207.00
207.00
growth rate -2.0% 0.5% 5.1% 0.0%
Cash From OA 1,639.00
538.00
554.00
1,144.00
1,734.00
growth rate -67.2% 3.0% 106.5% 51.6%
Sale Purchase of Stock 30.00
25.00
85.00
13.00
growth rate -16.7% 240.0% -84.7%
FCF
growth rate
Income Statement Sep '17 Dec '17 Mar '18 Jun '18 Sep '18
Sales 7,325.00
7,451.00
7,286.00
7,477.00
7,723.00
growth rate 1.7% -2.2% 2.6% 3.3%
Op.Income 415.00
953.00
867.00
721.00
892.00
growth rate 129.6% -9.0% -16.8% 23.7%
IBT 320.00
860.00
778.00
631.00
806.00
growth rate 168.8% -9.5% -18.9% 27.7%
Net Income 293.00
551.00
669.00
524.00
709.00
growth rate 88.1% 21.4% -21.7% 35.3%
EPS
growth rate
Gross Profit 1,460.00
2,037.00
1,929.00
1,834.00
1,951.00
growth rate 39.5% -5.3% -4.9% 6.4%

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

E (24.53)

YOY Growth Grade:

E (19.16)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 12.90 12.22 7.42
EPS / Growth 8.96

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 2.2%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 2.2% 2.2% 2.2%
Future PE 4.34 8.22 8.22
Future EPS 11.10 11.10 11.10
Value Price
MOS %
11.91
-89.1%
22.56
-79.4%
22.56
-79.4%
MOS Price 5.96 11.28 11.28
IRT 10.75 10.75 10.75

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

The functionality you are trying to reach is available to registered users only.

Login to your account or Register Now if you are not registered yet. Registration is FREE and will take only a minute.

Risk / Reward Ratios

The functionality you are trying to reach is available to registered users only.

Login to your account or Register Now if you are not registered yet. Registration is FREE and will take only a minute.