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The Travelers Companies TRV Q4 2025 Annual earnings

Reported January 21, 2026 · Before market open

Revenue$10.9BMiss by $267.4MDiluted EPS$11.13Beat by $2.33
Revenue estimate$11.1B
EPS estimate$8.80

Next report

Jul 17, 2026 (In 2 weeks)
Revenue estimate$11.2B
EPS estimate$4.87

Financials

Q4 2025

Income statement

See full
Revenue$12.4B+3.5%
Net income$2.5B+19.9%
EPS (diluted)$10.98+22.5%

Balance sheet

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Cash & equivalents$842.0M+20.5%
Total debt$9.5B+14.5%
Total equity$32.9B+18.1%
Total assets$143.71B+7.9%

Cash flow

See full
Operating cash flow$2.7B+30.1%

Valuation & ratios

Valuation

as of 12/31/25
See full
Market cap$64.7B+18.3%
Enterprise value$73.37B+17.8%
P/E10.3×-0.6×
P/S1.3×+0.1×

Profitability

See full
Net margin12.9%+2.1pp

Returns & leverage

See full
Return on equity20.7%+1.8pp
Debt / equity0.3×0.0×

Segments

By geography

See full
Other Non United States$280.8M-1.5%

Versus estimates

Revenue

Q1 2026$10.3BMiss by $377.2M
Q4 2025$10.9BMiss by $267.4M
Q3 2025$12.5BBeat by $781.6MQ2 2025$12.1BBeat by $500.0MQ1 2025$11.8BBeat by $969.4MQ4 2024$12.0BBeat by $1.3B

Diluted EPS

Q1 2026$7.71Beat by $0.64
Q4 2025$11.13Beat by $2.33
Q3 2025$8.14Beat by $1.75Q2 2025$6.51Beat by $2.86Q1 2025$1.91Beat by $1.13Q4 2024$9.15Beat by $2.45

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Questions, answered.

When did The Travelers Companies report Q4 2025 earnings?
The Travelers Companies (TRV) reported Q4 2025 earnings on January 21, 2026 before market open.
What were The Travelers Companies's Q4 2025 revenue and EPS?
The Travelers Companies reported revenue of $10.9B and diluted EPS of $11.13 for Q4 2025.
Did The Travelers Companies beat estimates in Q4 2025?
Revenue missed the consensus estimate of $11.1B by $267.4M. EPS beat the consensus estimate of $8.80 by $2.33.
How did The Travelers Companies's Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue declined 9.6% from $12.0B a year earlier and diluted EPS grew 21.6% from $9.15.
Where can I find The Travelers Companies's Q4 2025 SEC filings?
You can read the 8-K earnings release (0000086312-26-000008) and the 10-K periodic report (0000086312-26-000065) directly on SEC EDGAR. The filing index links above go to sec.gov.