Travelers (TRV) reported $12.11 billion in revenue for the quarter ended June 2025, representing a year-over-year increase of 6.7%. EPS of $6.51 for the same period compares to $2.51 a year ago.
The reported revenue compares to the Zacks Consensus Estimate of $12.2 billion, representing a surprise of -0.78%. The company delivered an EPS surprise of +83.9%, with the consensus EPS estimate being $3.54.
While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.
Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.
Here is how Travelers performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
- Combined Ratio - Consolidated: 90.3% versus 99.1% estimated by 10 analysts on average.
- Loss and loss adjustment expense ratio - Consolidated: 61.7% versus the 10-analyst average estimate of 70.1%.
- Underwriting Expense Ratio - Consolidated: 28.6% compared to the 29.1% average estimate based on 10 analysts.
- Loss and loss adjustment expense ratio - Business Insurance: 63.7% versus 67.6% estimated by seven analysts on average.
- Total Revenues- Net investment income: $942 million versus $936.44 million estimated by 10 analysts on average. Compared to the year-ago quarter, this number represents a +6.4% change.
- Total Revenues- Fee income: $124 million compared to the $119.98 million average estimate based on 10 analysts. The reported number represents a change of +7.8% year over year.
- Total Revenues- Premiums: $10.92 billion versus the 10-analyst average estimate of $11.04 billion. The reported number represents a year-over-year change of +6.6%.
- Total Revenues- Other Revenues: $123 million versus $109.38 million estimated by 10 analysts on average. Compared to the year-ago quarter, this number represents a +17.1% change.
- Revenues- Premiums- Business Insurance: $5.55 billion compared to the $5.57 billion average estimate based on seven analysts. The reported number represents a change of +7.3% year over year.
- Revenues- Premiums- Personal Insurance: $4.36 billion versus $4.4 billion estimated by seven analysts on average. Compared to the year-ago quarter, this number represents a +6.3% change.
- Revenues- Premiums- Bond & Specialty Insurance: $1.02 billion versus the seven-analyst average estimate of $1.06 billion. The reported number represents a year-over-year change of +4.5%.
- Revenues- Other revenues- Personal Insurance: $23 million versus $24.27 million estimated by six analysts on average. Compared to the year-ago quarter, this number represents a +4.6% change.
View all Key Company Metrics for Travelers here>>>
Shares of Travelers have returned -4.8% over the past month versus the Zacks S&P 500 composite's +4.2% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.
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The Travelers Companies, Inc. (TRV): Free Stock Analysis ReportThis article originally published on Zacks Investment Research (zacks.com).
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