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

Other product segments

Automobile
322,200,000,000%+5.5%

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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 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.