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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%

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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:ShortdurationInsuranceContractsIncurredButNotReportedIbnrClaimsLiabilityNet.

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
Accident Year(dollars in millions) / For the Years Ended December 31, 2021 / Incurred Claims and Allocated Claims Adjustment / Expenses, Net of Reinsurance / Unaudited(dollars in millions) / For the Years Ended December 31, 2022 / Incurred Claims and Allocated Claims Adjustment / Expenses, Net of Reinsurance / Unaudited(dollars in millions) / For the Years Ended December 31, 2023 / Incurred Claims and Allocated Claims Adjustment / Expenses, Net of Reinsurance / Unaudited(dollars in millions) / For the Years Ended December 31, 2024 / Incurred Claims and Allocated Claims Adjustment / Expenses, Net of Reinsurance / Unaudited(dollars in millions) / For the Years Ended December 31, 2025 / Incurred Claims and Allocated Claims Adjustment / Expenses, Net of ReinsuranceIBNR Reserves December 31, 2025Cumulative Number of Reported Claims
202231026118714821757
202335337437283986
20243632661641,049
2025356320793
Total$1,218
Cumulative Paid Claims and Allocated Claim
Adjustment Expenses, Net of Reinsurance
Accident YearUnauditedLiability for Claims

ITEM 8. FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA

FAQ

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.

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