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The Travelers Companies TRV Claims and claim adjustment expense reserves

Claims and claim adjustment expense reserves at other companies

American International Group logo
American International GroupAIG
$72.05B+2.2%
American Financial Group logo
American Financial GroupAFG
$15.09B+6.5%

Segments

By segment

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Business And International Insurance$51.66B+3.9%
Personal Insurance$8.41B-6.5%
Bond And Specialty Insurance$5.67B+5.7%

Other financials

Income statement

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Revenue$12.2B+0.3%
Net income$2.2B+46.3%
EPS (diluted)$10.26+57.1%

Balance sheet

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Cash & equivalents$621.0M-5.8%
Total debt$9.1B+12.9%
Total equity$33.1B+12.2%
Total assets$143.58B+3.4%

Cash flow

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Operating cash flow$1.9B-17.9%

Valuation

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Market cap$80.16B+34.7%
Enterprise value$88.6B+32.5%
P/E9.7×-1.7×
P/S1.6×+0.4×

Profitability

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Net margin17%+6.0pp

Returns & leverage

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Return on equity26.5%+7.2pp
Debt / equity0.3×0.0×

Where this comes from

Reported directly by The Travelers Companies in its filing.

Tagged under the XBRL concept us-gaap:SupplementaryInsuranceInformationLiabilityForFuturePolicyBenefitsLossesClaimsAndLossExpenseReserves.

The source filing: The Travelers Companies’s 10-K, filed February 12, 2026.

Filed
Feb 12, 2026, 6:51 AM EST
Fiscal year
FY2025
Accession
0000086312-26-000065
SegmentDeferred Acquisition CostsClaims and Claim Adjustment Expense ReservesUnearned PremiumsEarned PremiumsNet Investment Income (1)Claims and Claim Adjustment ExpensesAmortizationof Deferred Acquisition CostsOther Operating Expenses (2)Net Written Premiums
Personal Insurance1,2268,4078,19817,39573211,3032,6921,74617,446
Total—Reportable Segments3,51865,73422,43143,9143,95927,2217,2666,07144,387
Other3474
Consolidated$3,518$65,737$22,431$43,914$3,959$27,221$7,266$6,545$44,387
2024
Business Insurance$1,698$49,731$10,831$21,345$2,560$13,679$3,588$3,303$22,078
Bond & Specialty Insurance5025,3653,0123,9583901,7747568324,109
Personal Insurance1,2948,9928,44616,63864011,6062,6291,64017,169

Item 16. FORM 10-K SUMMARY

FAQ

What is The Travelers Companies's claims and claim adjustment expense reserves?
The Travelers Companies (TRV) reported claims and claim adjustment expense reserves of $65.74B in Q4 2025.
How has The Travelers Companies's claims and claim adjustment expense reserves changed year-over-year?
The Travelers Companies's claims and claim adjustment expense reserves increased by 2.6% year-over-year, from $64.09B to $65.74B.
What is the long-term trend for The Travelers Companies's claims and claim adjustment expense reserves?
Over 5 years (2020 to 2025), The Travelers Companies's claims and claim adjustment expense reserves has grown at a 3.8% compound annual growth rate (CAGR), from $54.52B to $65.74B.
What does claims and claim adjustment expense reserves mean?
Claims and claim adjustment expense reserves represent the estimated ultimate cost of settling all claims incurred but not yet paid, including both reported claims and those incurred but not reported. This liability is central to an insurer's financial health and requires actuarial estimation of future loss development. It serves as a critical indicator of the company's long-term solvency and the adequacy of its pricing models.

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