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Reporting soon: earnings call Friday, Oct 16
A pre-earnings brief is ready for TRV: the setup, what peers and partners said this season, and which analysts to watch.Reading it is a Tellvest Pro feature.
Percentage of questions scored as challenging — where the analyst pushed back, pressed for specifics, or questioned management's assumptions.
| Analyst | Firm | Questions · challengingPercentage of questions scored as challenging — where the analyst pushed back, pressed for specifics, or questioned management's assumptions. |
|---|---|---|
| Greg Peters | Raymond James | 14 questions · 7% challenging |
| Dave Motemaden | Evercore ISI | 13 questions · 15% challenging |
| Mike Zaremski | BMO Capital Markets | 12 questions · 17% challenging |
| Rob Cox | Goldman Sachs | 12 questions · 0% challenging |
| Elyse Greenspan | Wells Fargo | 11 questions · 9% challenging |
| Brian Meredith | UBS | 10 questions · 10% challenging |
| Meyer Shields | KBW | 9 questions · 11% challenging |
| Alex Scott | Barclays | 8 questions · 0% challenging |
| Ryan Tunis | Cantor Fitzgerald | 6 questions · 0% challenging |
| Wes Carmichael | Wells Fargo | 5 questions · 0% challenging |
| Firm | Analysts | Questions · challengingPercentage of questions scored as challenging — where the analyst pushed back, pressed for specifics, or questioned management's assumptions. |
|---|---|---|
| Wells Fargo | 2 analysts | 16 questions · 6% challenging |
| Raymond James | 1 analyst | 14 questions · 7% challenging |
| Evercore ISI | 1 analyst | 13 questions · 15% challenging |
| Goldman Sachs | 1 analyst | 12 questions · 0% challenging |
| BMO Capital Markets | 1 analyst | 12 questions · 17% challenging |
| UBS | 1 analyst | 10 questions · 10% challenging |
| KBW | 1 analyst | 9 questions · 11% challenging |
| Barclays | 1 analyst | 8 questions · 0% challenging |
Travelers delivered record underwriting income with a core ROE of 19.7%, generating $1.7 billion in core income as the combined ratio remained excellent at 88.6% despite elevated catastrophe activity. Business Insurance achieved record new business and retention gains while personal insurance continued its margin strength with a growth pivot underway. Management reiterated its fixed income NII guidance while announcing a 14% dividend increase and articulating AI and technology investment as a deepening competitive moat.
Margin | Pricing | Cost Pressure | Revenue Growth | Competitive Dynamics | Capital Allocation | Regulation Policy | Cloud & AI | |
|---|---|---|---|---|---|---|---|---|
| 2024Q4 | 12 | 7 | 1 | 1 | 1 | 2 | 2 | 1 |
| 2025Q1 | 7 | 4 | 8 | 4 | 3 | 2 | ||
| 2025Q2 | 5 | 7 | 4 | 2 | 6 | 3 | 2 | 1 |
| 2025Q3 | 6 | 7 | 3 | 7 | 3 | 1 | 1 | 1 |
| 2025Q4 | 9 | 4 | 2 | 3 | 1 | 4 | 2 | 2 |
| 2026Q1 | 8 | 3 | 7 | 1 | 6 | 1 | 3 | 5 |
| '24Q4 | '25Q1 | '25Q2 | '25Q3 | '25Q4 | '26Q1 | |
|---|---|---|---|---|---|---|
| Margin | 12 | 7 | 5 | 6 | 9 | 8 |
| Pricing | 7 | 4 | 7 | 7 | 4 | 3 |
| Cost Pressure | 1 | 8 | 4 | 3 | 2 | 7 |
| Revenue Growth | 1 | 4 | 2 | 7 | 3 | 1 |
| Competitive Dynamics | 1 | 6 | 3 | 1 | 6 | |
| Capital Allocation | 2 | 3 | 3 | 1 | 4 | 1 |
| Regulation Policy | 2 | 2 | 2 | 1 | 2 | 3 |
| Cloud & AI | 1 | 1 | 1 | 2 | 5 |
No 8-K events recorded for this window.
Calendar quarter Q1 2026Earnings call Apr 16, 2026
FY2026 Q1 in brief
Travelers delivered record underwriting income with a core ROE of 19.7%, generating $1.7 billion in core income as the combined ratio remained excellent at 88.6% despite elevated catastrophe activity.
Newest quarter FY2026 Q2 is part of Pro · see what Pro adds →
GAAP revenue YoY +0.97% → base 5. The base score is anchored to the GAAP revenue YoY band before transcript, EPS, and guidance adjustments.
Sources. Tellvest earnings-call sentiment score for The Travelers Companies, Inc. (TRV), FY2026 Q1: 5/10. Scores: The Travelers Companies, Inc.’s public earnings-call transcripts and SEC-reported results — the base band is anchored to reported GAAP revenue growth; transcript, EPS and guidance adjustments are applied separately (documented exceptions apply to a few issuers). Price: TRV daily closing prices for the trailing year; dots mark earnings calls, colored by that quarter’s score; the newest quarter’s score is part of Tellvest Pro. How to read a company earnings-call score.
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| Quarter | Revenue | Rev YoY | EPS | EPS YoY | Op margin | Net margin |
|---|---|---|---|---|---|---|
| FY2024 Q4 | $12.01B | +9.8% | $8.96 | +28.4% | 21.6% | 17.3% |
| FY2025 Q1 | $11.81B | +5.2% | $1.70 | -64.7% | 4.0% | 3.3% |
| FY2025 Q2 | $12.12B | +7.4% | $6.53 | +185.2% | 15.5% | 12.5% |
| FY2025 Q3 | $12.47B | +4.8% | $8.24 | +52.0% | 18.8% | 15.1% |
| FY2025 Q4 | $12.43B | +3.5% | $11.06 | +23.4% | 25.0% | 20.1% |
| FY2026 Q1Selected | $11.92B | +1.0% | $7.78 | +357.6% | 17.8% | 14.3% |
| FY2026 Q2 | $12.15B | +0.3% | $10.26 | +57.1% | 23.7% | 18.2% |
Management’s own words, often on a non-GAAP, constant-currency, or adjusted basis — so these can differ from the GAAP figures above (e.g. constant-currency revenue growth excludes currency swings).
| Company | Score | Trend | Rev YoY |
|---|---|---|---|
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| MCY Mercury General Corporation | 8 | +10.5% | |
| PGR Progressive Corporation | 7 | +8.7% | |
| ROOT Root, Inc. | 8 | +12.6% | |
| WRB W. R. Berkley Corporation | 6 | +4.0% |