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

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Other product segments

Automobile

322,200,000,000%+5.5%

Similar metrics at other companies

HIGGeneral Liability — IBNR Reserves

$1.63B+19.0%

CNAGeneral Liability — IBNR

341,000,000,000%+19,500,000,000pp

SIGIGeneral liability — IBNR

$769.16M+23.9%

HIGProfessional liability — IBNR Reserves

$366M+8.6%

KGGeneral Liability — Total IBNR

4,098,200,000%—

HIGMarine — IBNR Reserves

$78M-6.0%

Other financials

Income statement

See full

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

See full

Net margin17%+6.0pp

Returns & leverage

See full

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 Reinsurance	IBNR Reserves December 31, 2025	Cumulative Number of Reported Claims
2022		310	261	187	148	21	757
2023			353	374	372	83	986
2024				363	266	164	1,049
2025					356	320	793
				Total	$1,218
	Cumulative Paid Claims and Allocated Claim
	Adjustment Expenses, Net of Reinsurance
Accident Year	Unaudited					Liability for Claims

ITEM 8. FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA

FAQ

What is The Travelers Companies's general liability — IBNR reserves dec. 31, 2025 (audited)?: The Travelers Companies (TRV) reported general liability — IBNR reserves dec. 31, 2025 (audited) of 313,100,000,000% in Q4 2025.
How has The Travelers Companies's general liability — IBNR reserves dec. 31, 2025 (audited) changed year-over-year?: The Travelers Companies's general liability — IBNR reserves dec. 31, 2025 (audited) increased by 10.4% year-over-year, from 283,600,000,000% to 313,100,000,000%.
What does general liability — IBNR reserves dec. 31, 2025 (audited) mean?: This represents the reserves established for claims that have been incurred but not yet reported to the company as of the year-end. It is a critical actuarial estimate for long-tail lines like general liability where claim reporting can be significantly delayed.