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Travelers (TRV) Reports Q1 Earnings: What Key Metrics Have to Say
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For the quarter ended March 2025, Travelers (TRV - Free Report) reported revenue of $11.87 billion, up 6.1% over the same period last year. EPS came in at $1.91, compared to $4.69 in the year-ago quarter.
The reported revenue compares to the Zacks Consensus Estimate of $12.13 billion, representing a surprise of -2.17%. The company delivered an EPS surprise of +198.44%, with the consensus EPS estimate being $0.64.
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.
As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.
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: 102.5% compared to the 104.8% average estimate based on nine analysts.
Loss and loss adjustment expense ratio - Consolidated: 74.2% versus 74.5% estimated by nine analysts on average.
Underwriting Expense Ratio - Consolidated: 28.3% versus the nine-analyst average estimate of 29.1%.
Loss and loss adjustment expense ratio - Business Insurance: 66.8% versus 72% estimated by eight analysts on average.
Total Revenues- Net investment income: $930 million versus the 10-analyst average estimate of $952.18 million. The reported number represents a year-over-year change of +9.9%.
Total Revenues- Fee income: $119 million versus the 10-analyst average estimate of $114.73 million. The reported number represents a year-over-year change of +9.2%.
Total Revenues- Premiums: $10.71 billion versus $10.97 billion estimated by 10 analysts on average. Compared to the year-ago quarter, this number represents a +5.8% change.
Total Revenues- Other Revenues: $112 million compared to the $110.68 million average estimate based on 10 analysts. The reported number represents a change of 0% year over year.
Revenues- Premiums- Business Insurance: $5.47 billion versus $5.56 billion estimated by seven analysts on average. Compared to the year-ago quarter, this number represents a +5.9% change.
Revenues- Premiums- Personal Insurance: $4.25 billion versus $4.34 billion estimated by seven analysts on average. Compared to the year-ago quarter, this number represents a +6% change.
Revenues- Premiums- Bond & Specialty Insurance: $995 million versus the seven-analyst average estimate of $1.04 billion. The reported number represents a year-over-year change of +4.1%.
Revenues- Other revenues- Personal Insurance: $24 million compared to the $26 million average estimate based on six analysts. The reported number represents a change of -7.7% year over year.
Shares of Travelers have returned -4.2% 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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Travelers (TRV) Reports Q1 Earnings: What Key Metrics Have to Say
For the quarter ended March 2025, Travelers (TRV - Free Report) reported revenue of $11.87 billion, up 6.1% over the same period last year. EPS came in at $1.91, compared to $4.69 in the year-ago quarter.
The reported revenue compares to the Zacks Consensus Estimate of $12.13 billion, representing a surprise of -2.17%. The company delivered an EPS surprise of +198.44%, with the consensus EPS estimate being $0.64.
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.
As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.
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: 102.5% compared to the 104.8% average estimate based on nine analysts.
- Loss and loss adjustment expense ratio - Consolidated: 74.2% versus 74.5% estimated by nine analysts on average.
- Underwriting Expense Ratio - Consolidated: 28.3% versus the nine-analyst average estimate of 29.1%.
- Loss and loss adjustment expense ratio - Business Insurance: 66.8% versus 72% estimated by eight analysts on average.
- Total Revenues- Net investment income: $930 million versus the 10-analyst average estimate of $952.18 million. The reported number represents a year-over-year change of +9.9%.
- Total Revenues- Fee income: $119 million versus the 10-analyst average estimate of $114.73 million. The reported number represents a year-over-year change of +9.2%.
- Total Revenues- Premiums: $10.71 billion versus $10.97 billion estimated by 10 analysts on average. Compared to the year-ago quarter, this number represents a +5.8% change.
- Total Revenues- Other Revenues: $112 million compared to the $110.68 million average estimate based on 10 analysts. The reported number represents a change of 0% year over year.
- Revenues- Premiums- Business Insurance: $5.47 billion versus $5.56 billion estimated by seven analysts on average. Compared to the year-ago quarter, this number represents a +5.9% change.
- Revenues- Premiums- Personal Insurance: $4.25 billion versus $4.34 billion estimated by seven analysts on average. Compared to the year-ago quarter, this number represents a +6% change.
- Revenues- Premiums- Bond & Specialty Insurance: $995 million versus the seven-analyst average estimate of $1.04 billion. The reported number represents a year-over-year change of +4.1%.
- Revenues- Other revenues- Personal Insurance: $24 million compared to the $26 million average estimate based on six analysts. The reported number represents a change of -7.7% year over year.
View all Key Company Metrics for Travelers here>>>Shares of Travelers have returned -4.2% 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.