Keuangan Travelers Companies (The) (TRV)
NYSE · Financial Services · Insurance - Property & Casualty · Karyawan: 34.000 · CEO: Alan D. Schnitzer
- Harga
- $396,22 -0,51%
- Kapitalisasi pasar
- $81,2 M
- Nilai perusahaan
- $90,3 M
- Laporan terakhir
- Q3 '26 diajukan 2026-10-16
- Laporan berikutnya
- 2027-01-20 Estimasi EPS: $9,88
Pendapatan (TTM)$48,9 M+1,1% vs tahun lalu4 kuartal terakhir; batang = tiap kuartal
Margin operasional (TTM)21,6%+6,6 poin vs tahun laluLaba operasional: $10,6 M
Laba bersih (TTM)$8,33 M+41,8% vs tahun laluSetelah pajak, termasuk keuntungan non-operasional
Arus kas bebas (TTM)$10,7 M+6,9% vs tahun laluCapex: $0
EPS dilusian (TTM)$38,14+50,0% vs tahun laluJumlah 4 kuartal terakhir
Kas neto$86,5 M-3,8% vs tahun laluKas + investasi jangka pendek - utang
Valuasi & angka utama
- Kapitalisasi pasar
- $81,2 M EV $90,3 M
- Pendapatan
- $48,9 M 12 bulan terakhir
- Pertumbuhan pendapatan
- -10% Konsensus FY2026
- Margin laba
- 17,0% Laba bersih / pendapatan, TTM
- P/E
- 10,2× Forward 10,8× (FY2026)
- P/S
- 1,7× Harga / penjualan, TTM
- EV / EBITDA
- 7,8× TTM
- Arus kas bebas
- $10,7 M 12 bulan terakhir
- Laba bersih
- $8,33 M 12 bulan terakhir
- Estimasi pendapatan
- $44 M Konsensus FY2026
- Laba
- 2027-01-20 Estimasi pendapatan: $10,7 M
- Dividen
- $4,70 Per saham, 12 bulan terakhir
Poin-poin utama
Dihitung dari angka yang dilaporkan - setiap pernyataan menyertakan angka yang mendasarinya.
- Laporan terakhir (2026-10-16): pendapatan melampaui 9,2%, EPS melampaui 24,2%Pendapatan $12,4 M vs $11,4 M yang diharapkan (+9,2%); EPS $9,18 vs $7,39 (+24,2%).
- Pertumbuhan pendapatan melambat: -0,5% yoyPendapatan Q3 '26: $12,4 M, rata-rata empat kuartal sebelumnya: 2,4%.
- Margin operasional 21,6% (TTM), dibanding tahun lalu: +6,6 poinLaba operasional tumbuh 45,3%, pendapatan tumbuh 1,1%.
- Capex: 0,0% dari pendapatan (tahun lalu 0,0%)$0 diinvestasikan dalam 4 kuartal terakhir (– dibanding tahun sebelumnya). Arus kas bebas: $10,7 M = 128,1% dari laba bersih.
- $7,23 M dikembalikan ke pemegang saham = 67,7% dari arus kas bebasBuyback: $6,23 M (tahun lalu $1,75 M), dividen: $1 M, kompensasi saham: -$154 jt (TTM).
- Jumlah saham dilusian turun dalam setahun: 7,4%Saham dilusian pada Q3 '26: 211 jt, setahun sebelumnya: 228 jt.
- Kas neto: $86,5 MKas + investasi jangka pendek: $96,3 M, utang termasuk sewa: $9,81 M; tahun lalu kas neto: $89,9 M.
Kuartal terakhir: Q3 '26
Kuartal berakhir 2026-09-30. Dibandingkan dengan kuartal yang sama tahun lalu dan konsensus analis sebelum laporan.
Kuartal vs tahun lalu
| Q3 '26 | Tahun lalu | Perubahan | |
|---|---|---|---|
| Pendapatan | $12,4 M | $12,5 M | -0,5% |
| Margin kotor | 32,8% | 32,3% | +0,5 poin |
| Laba operasional | $2,49 M | $2,34 M | +6,1% |
| Margin operasional | 20,0% | 18,8% | +1,2 poin |
| Laba bersih | $1,92 M | $1,89 M | +1,5% |
| EPS dilusian | $9,04 | $8,24 | +9,7% |
| Arus kas operasional | $3,88 M | $4,23 M | -8,3% |
| Capex | $0 | $0 | – |
| Arus kas bebas | $3,88 M | $4,23 M | -8,3% |
| R&D | $0 | $0 | – |
| Kompensasi berbasis saham | $0 | -$125 jt | +100,0% |
Dilaporkan vs konsensus
2026-10-16| Aktual | Konsensus | vs konsensus | |
|---|---|---|---|
| Pendapatan | $12,4 M | $11,4 M | +9,2% |
| EPS (basis konsensus) | $9,18 | $7,39 | +24,2% |
Dari laporan 2026-10-16 untuk Q3 '26: pendapatan dan EPS yang diperkirakan analis (sering disesuaikan), sehingga bisa berbeda dari EPS laporan keuangan di atas.
EPS vs konsensus
8 laporan terakhirPendapatan
Dari mana uang berasal - menurut lini bisnis dan wilayah, kuartal demi kuartal.
Pendapatan, laba operasional, dan pertumbuhan
kuartalanPendapatan per lini bisnis
bertumpuk, kuartalan| Segmen | Q3 '26 | yoy | Porsi | TTM | TTM yoy | 12 kuartal |
|---|---|---|---|---|---|---|
| Business Insurance | $6,84 M | +2,8% | 55,0% | – | – | |
| Personal Insurance | $4,37 M | -5,5% | 35,1% | $17,7 M | -20,8% | |
| Bond & Specialty Insurance | $1,24 M | +6,0% | 9,9% | $4,72 M | -15,4% |
Margin & struktur biaya
Berapa bagian dari setiap unit pendapatan yang tersisa di tiap tingkat - dan ke mana biaya mengalir.
Margin
kuartalanBiaya sebagai % pendapatan
kuartalanArus kas & alokasi modal
Kas yang dihasilkan, untuk apa kas itu digunakan, dan apa yang sampai ke pemegang saham.
Arus kas operasional, capex, arus kas bebas
kuartalanPenggunaan kas vs arus kas operasional
tahun fiskal4 kuartal terakhir
laporan arus kas- Arus kas operasional
- $10,7 M
- Capex
- $0
- Buyback
- -$6,23 M
- Dividen
- -$1 M
- Akuisisi
- $0
- Utang neto diterbitkan
- $144 jt
- Kompensasi berbasis saham
- -$154 jt
- Arus kas bebas
- $10,7 M
- Dikembalikan ke pemegang saham / FCF
- 67,7%
Jumlah saham dan EPS
kuartalan, dilusianNeraca
Likuiditas, investasi, dan utang pada akhir setiap kuartal.
Kas, investasi, dan utang
akhir kuartalValuasi & imbal hasil
Multiple saat ini dibandingkan lima tahun fiskal terakhir perusahaan itu sendiri; target dan peringkat analis.
Multiple dan imbal hasil
TTM vs 5 tahun fiskal| Sekarang | Rata-rata 5 th | Posisi saat ini dalam rentang 5 tahun | |
|---|---|---|---|
| P/E (TTM) | 10,2× | 12,5× | 10,4× – 15,7× |
| EV / EBITDA | 7,8× | 9,5× | 8,0× – 11,5× |
| EV / Penjualan | 1,8× | 1,4× | 1,2× – 1,5× |
| Harga / FCF | 7,6× | 6,0× | 5,3× – 6,9× |
| Harga / Nilai buku | 2,8× | 1,8× | 1,3× – 2,1× |
| Imbal hasil FCF | 13,1% | 16,7% | 14,5% – 18,7% |
| Imbal hasil modal yang diinvestasikan | 18,3% | 9,5% | 6,9% – 12,1% |
| Imbal hasil ekuitas | 26,2% | 15,0% | 12,0% – 19,1% |
Analis
Target konsensus $356,18 (-10,1%)
rentang $290,00 – $430,00 · peringkat Hold
Beli kuat1
Beli10
Tahan29
Jual4
Jual kuat0
Prospek
Konsensus analis untuk tahun fiskal mendatang dan implikasinya pada harga saat ini.
Estimasi konsensus
| Tahun fiskal | Pendapatan | Pertumbuhan | EPS | Pertumbuhan | P/E pada harga saat ini | Analis (EPS) |
|---|---|---|---|---|---|---|
| FY2026 | $44 M | -9,8% | $36,64 | +33,6% | 10,8× | 17 |
| FY2027 | $44,9 M | +1,8% | $31,02 | -15,4% | 12,8× | 17 |
| FY2028 | $45,9 M | +2,4% | $31,72 | +2,3% | 12,5× | 9 |
Laporan keuangan
Setiap baris laporan laba rugi, neraca, dan laporan arus kas - 12 kuartal dan 10 tahun fiskal, sebagai nilai, % pendapatan, atau pertumbuhan.
Semua pos yang dilaporkan
Semua 296 angka yang ditandai The Travelers Companies, Inc. dalam laporan 10-Q / 10-K terbarunya, dengan label dan definisi resmi SEC - termasuk catatan (sewa, pajak, buyback, karyawan, ...).
| Pos (label SEC) | Kuartal terakhir | Tahun lalu | yoy | FY terakhir | FY sebelumnya | yoy |
|---|---|---|---|---|---|---|
| $3,35 M2025-12-31 | – | – | – | – | – | |
| Accrued Income Taxes, Current | $309 jt2025-12-31 | $301 jt | +2,7% | $309 jt | $301 jt | +2,7% |
| Accrued Investment Income Receivable | $860 jt | $776 jt | +10,8% | $877 jt | $752 jt | +16,6% |
| Accumulated Other Comprehensive Income (Loss), Net of Tax | -$7,06 M | -$3,09 M | -128,3% | -$2,5 M | -$4,97 M | +49,7% |
| Alternative Investment | $9 jt | – | – | – | – | – |
| Amortization of Intangible Assets | – | – | – | $20 jt | $21 jt | -4,8% |
| Assets | $142 M | $144 M | -1,1% | $144 M | $133 M | +7,9% |
| Assets Held by Insurance Regulators | $4,04 M2025-12-31 | $3,96 M | +2,0% | $4,04 M | $3,96 M | +2,0% |
| Assumed Premiums Earned | – | – | – | $2,11 M | $2,1 M | +0,7% |
| Assumed Premiums Written | – | – | – | $2,14 M | $2,17 M | -1,7% |
| Benefits, Losses and Expenses | $10 M | $10,1 M | -0,8% | $41 M | $40,2 M | +2,0% |
| Cash | $766 jt | $729 jt | +5,1% | $842 jt | $699 jt | +20,5% |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents | $766 jt | $729 jt | +5,1% | $842 jt | $699 jt | +20,5% |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Including Exchange Rate Effect | $145 jt | $70 jt | +107,1% | $314 jt | $49 jt | +540,8% |
| Ceded Premiums Earned | – | – | – | $3,24 M | $3,14 M | +3,2% |
| Ceded Premiums Payable | $828 jt | $946 jt | -12,5% | $529 jt | $550 jt | -3,8% |
| Ceded Premiums Written | – | – | – | $3,34 M | $3,19 M | +4,7% |
| Commercial Paper | $100 jt2025-12-31 | $100 jt | 0,0% | $100 jt | $100 jt | 0,0% |
| Common Stock, Dividends, Per Share, Declared | $1,25 | $1,10 | +13,6% | $2,832017-12-31 | $2,62 | +8,0% |
| Common Stock, Shares Authorized | 1,75 M | 1,75 M | 0,0% | 1,75 M | 1,75 M | 0,0% |
| Common Stock, Shares, Outstanding | 205 jt | 223 jt | -8,1% | 218 jt | 227 jt | -4,0% |
| Common Stock, Value, Outstanding | $26,3 M | $25,8 M | +1,9% | $25,9 M | $25,5 M | +1,8% |
| Comprehensive Income (Loss), Net of Tax, Attributable to Parent | -$2,48 M | $2,88 M | -186,1% | $8,76 M | $4,5 M | +94,4% |
| Current Federal Tax Expense (Benefit) | – | – | – | $1,17 M | $1,25 M | -6,5% |
| Current Foreign Tax Expense (Benefit) | – | – | – | $89 jt | $70 jt | +27,1% |
| Current Income Tax Expense (Benefit) | – | – | – | $1,28 M | $1,34 M | -4,4% |
| Current State and Local Tax Expense (Benefit) | – | – | – | $17 jt | $14 jt | +21,4% |
| Debt Instrument, Unamortized Discount (Premium) and Debt Issuance Costs, Net | $118 jt2025-12-31 | $105 jt | +12,4% | $118 jt | $105 jt | +12,4% |
| Debt Securities, Available-for-sale | $89,4 M | $91,1 M | -1,9% | $89,8 M | $83,7 M | +7,4% |
| Debt Securities, Available-for-sale, Accumulated Gross Unrealized Gain, before Tax | $29 jt | $883 jt | -96,7% | $968 jt | $223 jt | +334,1% |
| Debt Securities, Available-for-sale, Accumulated Gross Unrealized Loss, before Tax | $8,08 M | $3,36 M | +140,1% | $2,85 M | $4,83 M | -41,0% |
| Debt Securities, Available-for-sale, Allowance for Credit Loss | $2 jt | $4 jt | -50,0% | $3 jt | $2 jt | +50,0% |
| Debt Securities, Available-for-sale, Amortized Cost | $97,4 M | $93,6 M | +4,1% | $91,7 M | $88,3 M | +3,9% |
| Debt Securities, Available-for-Sale, Amortized Cost, Maturity, Allocated and Single Maturity Date, after Year 10 | $26,7 M2025-12-31 | $21,7 M | +22,7% | $26,7 M | $21,7 M | +22,7% |
| Debt Securities, Available-for-Sale, Amortized Cost, Maturity, Allocated and Single Maturity Date, after Year 5 Through 10 | $24,9 M2025-12-31 | $22,6 M | +9,9% | $24,9 M | $22,6 M | +9,9% |
| Debt Securities, Available-for-Sale, Amortized Cost, Maturity, Allocated and Single Maturity Date, after Year One Through Five | $21,1 M2025-12-31 | $23,6 M | -10,6% | $21,1 M | $23,6 M | -10,6% |
| Debt Securities, Available-for-Sale, Amortized Cost, Maturity, Allocated and Single Maturity Date, Year One | $5,9 M2025-12-31 | $7,36 M | -19,8% | $5,9 M | $7,36 M | -19,8% |
| Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer | $27,8 M | $38,5 M | -28,0% | $37,5 M | $41,7 M | -10,2% |
| Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss | $4,42 M | $3,19 M | +38,7% | $2,8 M | $4,38 M | -36,0% |
| Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months | $58,2 M | $9,18 M | +534,1% | $5,67 M | $24 M | -76,3% |
| Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss | $3,66 M | $179 jt | +1.945,3% | $48 jt | $454 jt | -89,4% |
| Debt Securities, Available-for-Sale, Fair Value, Maturity, Allocated and Single Maturity Date, after Year 10 | $25,5 M2025-12-31 | $19,9 M | +28,6% | $25,5 M | $19,9 M | +28,6% |
| Debt Securities, Available-for-Sale, Fair Value, Maturity, Allocated and Single Maturity Date, after Year 5 Through 10 | $24,4 M2025-12-31 | $20,9 M | +16,7% | $24,4 M | $20,9 M | +16,7% |
| Debt Securities, Available-for-Sale, Fair Value, Maturity, Allocated and Single Maturity Date, after Year One Through Five | $20,8 M2025-12-31 | $23 M | -9,6% | $20,8 M | $23 M | -9,6% |
| Debt Securities, Available-for-Sale, Fair Value, Maturity, Allocated and Single Maturity Date, Year One | $5,89 M2025-12-31 | $7,33 M | -19,6% | $5,89 M | $7,33 M | -19,6% |
| Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, Amortized Cost | $78,6 M2025-12-31 | $75,4 M | +4,3% | $78,6 M | $75,4 M | +4,3% |
| Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, Fair Value | $76,6 M2025-12-31 | $71,1 M | +7,8% | $76,6 M | $71,1 M | +7,8% |
| Debt Securities, Available-for-sale, Maturity, without Single Maturity Date, Amortized Cost | $13,1 M2025-12-31 | $12,9 M | +1,6% | $13,1 M | $12,9 M | +1,6% |
| Debt Securities, Available-for-sale, Maturity, without Single Maturity Date, Fair Value | $13,2 M2025-12-31 | $12,6 M | +5,0% | $13,2 M | $12,6 M | +5,0% |
| Debt Securities, Available-for-sale, Realized Gain | $0 | -$2 jt | +100,0% | $1 jt | $2 jt | -50,0% |
| Debt Securities, Available-for-sale, Unrealized Loss Position | $86 M | $47,7 M | +80,2% | $43,1 M | $65,7 M | -34,3% |
| Debt Securities, Available-for-sale, Unrealized Loss Position, Accumulated Loss | $8,08 M | $3,36 M | +140,1% | $2,85 M | $4,83 M | -41,0% |
| Debt, Current | $300 jt2025-12-31 | $100 jt | +200,0% | $300 jt | $100 jt | +200,0% |
| Debt, Long-term and Short-term, Combined Amount | $9,81 M | $9,27 M | +5,9% | $9,27 M | $8,03 M | +15,4% |
| Deferred Federal Income Tax Expense (Benefit) | -$59 jt | $320 jt | -118,4% | $210 jt | -$152 jt | +238,2% |
| Deferred Foreign Income Tax Expense (Benefit) | – | – | – | $21 jt | -$3 jt | +800,0% |
| Deferred Income Tax Assets, Net | $2,27 M | $1,04 M | +119,1% | $887 jt | $1,76 M | -49,7% |
| Deferred Income Tax Expense (Benefit) | – | – | – | $231 jt | -$155 jt | +249,0% |
| Deferred Policy Acquisition Cost | $3,76 M | $3,69 M | +2,0% | $3,52 M | $3,49 M | +0,7% |
| Deferred Policy Acquisition Costs, Amortization Expense | $1,86 M | $1,85 M | +0,4% | $7,27 M | $6,97 M | +4,2% |
Sumber: SEC companyfacts (XBRL setiap 10-Q / 10-K). Kuartal arus kas dihitung dari angka kumulatif tahun berjalan yang ditandai dalam 10-Q. Rincian segmen ditandai dengan dimensi dan ditampilkan di bagian segmen.
Sumber
Laporan keuangan, pendapatan segmen, metrik, estimasi: Financial Modeling Prep. Laba segmen dan setiap pos yang dilaporkan: SEC EDGAR (XBRL). Laporan yang dibaca: 10-Q 2026-09-30, 10-Q 2026-06-30, 10-Q 2026-03-31, 10-K 2025-12-31, 10-Q 2025-09-30, 10-Q 2025-06-30, 10-Q 2025-03-31, 10-K 2024-12-31, 10-Q 2024-09-30
Data per 2026-11-01