TRV

HOLD

The Travelers Companies, Inc.

Financial Services · Rank #48 · Analyzed Jul 13, 2026

$338.92

Current Price

$373.61

Intrinsic Value

+10.2%

Upside/Downside

5.3/10

Score

4/5

Quality

Analysis Summary

Valuation Consensus1/3 methods agree

Quality Score4/5.0

Framework RatingHOLD

Price vs Intrinsic ValueUndervalued by 10.2%

Fair Value Range

Low$107.19

Base (IV)$373.61

High$448.34

Entry Points

Conservative$75.03

Moderate$107.19

Aggressive$261.53

⚠️ Warnings

Financial sector — DCF less reliable (FCF includes reserves/float)

Quality & Moat Breakdown

Return on Equity25.3% → 1.0/1.0

Debt LevelD/E 29 → 1.0/1.0

Revenue QualityGrowth 5.2%, margin Δ+0.0% → 0.5/1.0

Moat Strength2.5/5 → 0.5/1.0

Profit Margins15.5% → 1.0/1.0

Methodology

This analysis uses a unified valuation framework combining three methods, Discounted Cash Flow (3-scenario), Earnings Power Value, and Asset Valuation, with a quality scoring overlay. A stock needs 2/3 valuation methods to agree and a quality score ≥ 3.5/5 for a BUY rating.

Learn how this framework works →

This is a personal analysis tool, not financial advice. Do your own research before making investment decisions.