Aureus
AExcellent

The Travelers Companies, Inc.(TRV)

A

Financial data as of Dec 31, 2024Stable · Financials

FCF Margin19.5%Free Cash Flow / Revenue
Cash Conversion181.5%Operating CF / Net Income
Free Cash Flow$9.1B
Revenue$46.4B
Net Cash-$7.5BNet debt position
Debt / FCF0.9xManageable debt load
Current Ratio0.00Tight short-term liquidity
YoY FCF Growth+9.1%5 of 5 quarters positive

How This Grade Was Calculated

Base grade from FCF margin, adjusted by financial health factors

BaseA
→
+0.5Healthy FCF margin with manageable debt (19.5%, 0.9x)
→
-1Current ratio below 1.0 (0.00)
→
+1Very low debt-to-FCF ratio (0.9x)
→
FinalA

Analysis Summary

Strengths

  • Strong FCF margin (19.5%)
  • Excellent cash conversion (182%)
  • Very low debt relative to cash flow (0.9x)

Concerns

  • Net debt position ($7.5B)
  • Current ratio below 1.0 — tight short-term liquidity

Financial Breakdown

Key financials compared side by side

Margin Composition

FCF Margin19.5%
Net Margin10.8%
Operating CF Margin19.5%
CapEx Ratio0.0%

Balance Sheet Health

Debt, liquidity, and leverage snapshot

Net Cash-$7.5BNet debt position
Debt / FCF0.9xManageable debt load
Current Ratio0.00Tight liquidity
Debt / Equity0.29Low leverage

Quarterly FCF Trend

+9.1% YoYStable (+9.1%)

Free cash flow per quarter

Sector Comparison — Financials

FCF Margin ranked against sector peers

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Detailed Metrics

Company NameThe Travelers Companies, Inc.
SectorFinancials
Free Cash Flow$9.1B
Revenue$46.4B
Net Income$5.0B
Operating Cash Flow$9.1B
Capital Expenditure$0
FCF Margin19.5%
Cash Conversion Rate181.5%
Net Margin10.8%
Total Debt$8.0B
Total Cash$568.0M
Net Cash-$7.5B
Current Ratio0.00
Debt / Equity0.29
Debt / FCF0.9x
YoY FCF Growth+9.1%
Positive Quarters5 of 5
Trend DirectionStable
Report DateDec 31, 2024
GradeA
Data SourceYahoo Finance

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