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The Travelers Companies TRV Automobile — IBNR Reserves Dec. 31, 2025 (Audited)

Other product segments

General Liability
313,100,000,000%+10.4%

Similar metrics at other companies

The Hartford Financial Services Group logo
HIGAutomobiles — IBNR
Reserves
124,700,000,000%+12,400,000,000pp
The Hartford Financial Services Group logo
HIGPersonal automobile physical damage — IBNR
Reserves
$10M-64.3%
The Hartford Financial Services Group logo
HIGCommercial automobile physical damage — IBNR
Reserves
$7M-12.5%
Selective Insurance Group logo
SIGICommercial automobile — IBNR
$435.03M+19.4%
Allstate logo
ALLAuto Insurance Liability Coverage — IBNR reserves plus expected development on reported claims
$10.64B-0.3%
Lemonade logo
LMNDCar — IBNR
$40.5M+0.7%

Other financials

Income statement

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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

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Operating cash flow$2.2B+61.6%

Valuation

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Market cap$67.68B+12.7%
Enterprise value$76.34B+13.3%
P/E8.9×-5.2×
P/S1.4×+0.1×

Profitability

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Net margin15.5%+6.5pp

Returns & leverage

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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 us-gaap:ShortdurationInsuranceContractsIncurredButNotReportedIbnrClaimsLiabilityNet.

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 — IBNR reserves dec. 31, 2025 (audited)?
The Travelers Companies (TRV) reported automobile — IBNR reserves dec. 31, 2025 (audited) of 322,200,000,000% in Q4 2025.
How has The Travelers Companies's automobile — IBNR reserves dec. 31, 2025 (audited) changed year-over-year?
The Travelers Companies's automobile — IBNR reserves dec. 31, 2025 (audited) increased by 5.5% year-over-year, from 305,400,000,000% to 322,200,000,000%.
What does automobile — IBNR reserves dec. 31, 2025 (audited) mean?
This represents the estimated liability for claims that have occurred but have not yet been reported to the insurer as of the year-end. It is a critical actuarial estimate that accounts for the time lag between the occurrence of an automobile accident and the formal notification of the claim. This reserve ensures that the company's financial statements accurately reflect total incurred liabilities.