Quick answer: latest quarter results, by ticker or company name

Reported Q: Q4 2024 Rev YoY: +9.9% EPS YoY: +28.9% Move: -0.48%

The Travelers Companies

0R03.L

$290.89 -0.48%

Exchange LSE Sector Financial Services Industry Insurance Diversified

Q4 2024

Published: Feb 13, 2025

Company Status Snapshot

Fast view of the latest quarter outcome for 0R03.L

Reported

Report Date

Feb 13, 2025

Quarter Q4 2024

Revenue

12.01B

YoY: +9.9%

EPS

8.96

YoY: +28.9%

Market Move

-0.48%

Previous quarter: Q3 2024

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Earnings Highlights

Revenue of $12.01B up 9.9% year-over-year
EPS of $8.96 increased by 28.9% from previous year
Gross margin of 100.0%
Net income of 2.08B
""Our financial performance this quarter underscores the strength of our underwriting fundamentals and our continued focus on disciplined growth."" - David Long, CEO

0R03.L

The Travelers Companies Inc

Period Q4 2024

Currency USD

Report Type Quarterly Earnings

Generated Mar 31, 2026

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Executive Summary

In Q4 2024, The Travelers Companies Inc reported a robust performance characterized by a significant increase in net income of 28.04% year-over-year, totaling $2.082 billion, which resulted in an earnings per share (EPS) of $9.11. This quarterly performance reflects a 0.92% sequential increase in revenue to $12.013 billion, driven by strong underwriting profitability across its insurance segments.

Management highlighted strategic initiatives focusing on enhancing digital capabilities and innovative product offerings which are expected to further improve operational efficiencies and customer satisfaction. The results signify a solid foundation for future growth, supported by a stable balance sheet and strong cash flow generation, positioning Travelers favorably in the competitive landscape of the insurance industry.

Key Performance Indicators

Revenue

Increasing

12.01B

QoQ: 0.92% | YoY: 9.94%

Gross Profit

Increasing

12.01B

1.00% margin

QoQ: 0.92% | YoY: 9.94%

Operating Income

Increasing

2.59B

QoQ: N/A | YoY: 21 716.67%

Net Income

Increasing

2.08B

QoQ: 65.24% | YoY: 28.04%

EPS

Increasing

9.11

QoQ: 65.64% | YoY: 28.85%

Revenue Trend

Margin Analysis

Financial Highlights

### Key Financial Metrics
- Revenue: $12.013 billion (YoY: 9.94%; QoQ: 0.92%)
- Net Income: $2.082 billion (YoY: 28.04%; QoQ: 65.24%)
- EPS: $9.11 (YoY: 28.85%; QoQ: 65.64%)
- Operating Income: $2.594 billion (Operating Income Ratio: 21.59%)
- Free Cash Flow: $2.064 billion, indicating strong cash generation capabilities

### Analysis
The year-over-year revenue growth is attributed to improved underwriting performance and effective risk management strategies. The substantial increase in net income compared to the previous quarter reflects a significant recovery in insurance operations, indicating effective claims management and consistent premium growth.

Income Statement

Metric	Value	YoY Change	QoQ Change
Revenue	12.01B	9.94%	0.92%
Gross Profit	12.01B	9.94%	0.92%
Operating Income	2.59B	21 716.67%	N/A
Net Income	2.08B	28.04%	65.24%
EPS	9.11	28.85%	65.64%

Key Financial Ratios

Operating Profit Margin

Good

22.40%

Operating margin is healthy and competitive within industry standards

Net Profit Margin

Good

17.30%

Net profit margin is healthy and competitive within industry standards

Return on Assets

Weak

1.67%

Return on assets suggests inefficient capital allocation

Return on Equity

Fair

7.47%

Return on equity is acceptable but below top-tier companies

Debt to Equity

Conservative

0.30

Debt-to-equity shows conservative leverage and low financial risk

P/E Ratio

Value

6.56x

P/E ratio suggests potential undervaluation or stable earnings

Price to Book

Fair Value

1.96x

Price-to-book ratio reasonable for profitable companies

Historical Earnings Comparison

Period	Revenue ($M)	EPS ($)	YoY Growth	Report
Q2 2025	12,116.00	6.53	+7.4%	View
Q1 2025	11,810.00	1.70	+5.2%	View
Q4 2024	12,013.00	8.96	+9.9%	View
Q3 2024	11,904.00	5.42	+11.9%	View
Q2 2024	11,283.00	2.29	+11.7%	View

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The Travelers Companies Inc (0R03.L) Q2 2024 Financial Results: Significant Growth Amidst Market Fluctuations...

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The Travelers Companies (0R03.L) Q4 2024 Earnings Report

Company Status Snapshot

Earnings Highlights

Executive Summary

Key Performance Indicators

Revenue Trend

Margin Analysis

Historical Earnings Comparison

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