What does automobile — discount (net of reinsurance) mean?

This represents the financial adjustment applied to the automobile segment's claim reserves to account for the time value of money, net of reinsurance participation. It reflects the difference between the nominal undiscounted liability and the present value of those future cash flows. This metric is used to align reported liabilities with their economic value based on expected payment patterns.

The Travelers Companies TRV Automobile — Discount (Net of Reinsurance)

Other product segments

General Liability

$121M-2.4%

Other Insurance Contracts

$5M+25.0%

Accident And Health Insurance Excluding Workers Compensation

$0—

Other Including Impacts Of Retroactive Reinsurance

$0—

Structured Settlement Annuity

$0—

Unallocated Loss Adjustment Expense Reserve

$0—

Similar metrics at other companies

HGTYAuto — Reserves for losses and loss adjustment expenses, undiscounted and net of reinsurance

$71.99M+5.6%

HIGAutomobiles — Amount of discount

0%—

AIGNet loss reserve discount

$1.27B+9.8%

AIGLiability For Unpaid Claims And Claims Adjustment Expense, Retroactive Reinsurance Discount

-$53M-5,200%

HGTYAuto — Liability for Unpaid Claims and Claims Adjustment Expense, Net

$162.88M+0.1%

HIGAssumed Reinsurance — Amount of discount

$0—

Other financials

Income statement

See full

Revenue$11.9B+1.0%

Net income$1.7B+333%

EPS (diluted)$7.78+358%

Balance sheet

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Cash & equivalents$615.0M-15.1%

Total debt$9.3B+15.4%

Total equity$32.0B+13.5%

Total assets$142.31B+4.7%

Cash flow

See full

Operating cash flow$2.2B+61.6%

Valuation

See full

Market cap$67.68B+12.7%

Enterprise value$76.34B+13.3%

P/E8.9×-5.2×

P/S1.4×+0.1×

Profitability

See full

Net margin15.5%+6.5pp

Returns & leverage

See full

Return on equity25.3%+9.2pp

Debt / equity0.3×0.0×

Where this comes from

Reported directly by The Travelers Companies in its filing.

Tagged under the XBRL concept trv:SupplementalInformationForPropertyCasualtyInsuranceUnderwritersDiscountDeductedFromReservesNetOfReinsurance.

The official record: The Travelers Companies’s 10-K, filed February 12, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is The Travelers Companies's automobile — discount (net of reinsurance)?: The Travelers Companies (TRV) reported automobile — discount (net of reinsurance) of $0 in Q4 2025.
What does automobile — discount (net of reinsurance) mean?: This represents the financial adjustment applied to the automobile segment's claim reserves to account for the time value of money, net of reinsurance participation. It reflects the difference between the nominal undiscounted liability and the present value of those future cash flows. This metric is used to align reported liabilities with their economic value based on expected payment patterns.