The Travelers Companies (TRV) Other Insurance Contracts — Discount (Net of Reinsurance)

Screener

Other product segments

General Liability

$121M-2.4%

Accident And Health Insurance Excluding Workers Compensation

$0—

Automobile

$0—

Other Including Impacts Of Retroactive Reinsurance

$0—

Structured Settlement Annuity

$0—

Unallocated Loss Adjustment Expense Reserve

$0—

Similar metrics at other companies

RGALife Insurance Product Line — Short-Duration Insurance Contract, Discounted Liability, Discount for Reinsurance

$106M+3.9%

HMNGroup Disability — Short-Duration Insurance Contract, Discounted Liability, Discount for Reinsurance

$17.9M+22.6%

WRBReinsurance & Monoline Excess — Short-Duration Insurance Contract, Discounted Liability, Discount

$411.14M+4.6%

CIAInsurance, Other — Reinsurance recoverable

$15.2M+61.7%

WRBOther — Short-Duration Insurance Contract, Discounted Liability, Discount

0%—

WRBInsurance — Short-Duration Insurance Contract, Discounted Liability, Discount

$9.26M-20.6%

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

See full

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

See full

Operating cash flow$1.9B-17.9%

Valuation

See full

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 trv:SupplementalInformationForPropertyCasualtyInsuranceUnderwritersDiscountDeductedFromReservesNetOfReinsurance.

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

(as of December 31, 2025, in millions)	Net Undiscounted Claims and Claim Adjustment Expense Reserves	Discount(Net of Reinsurance)	Subtotal:Net Claims and Claim Adjustment Expense Reserves	Reinsurance Recoverables on Unpaid Losses (4)	Claims and Claim Adjustment Expense Reserves
Homeowners (excluding Other)	2,638	—	2,638	13	2,651
International - Canada	847	—	847	13	860
Subtotal — claims and allocated claim adjustment expenses for the products presented in the development tables below	52,121	(991)	51,130	3,672	54,802
Other insurance contracts (2)	5,561	(5)	5,556	1,763	7,319
Unallocated loss adjustment expense reserves	3,061	—	3,061	18	3,079
Structured settlements (3)	—	—	—	2,428	2,428
Other	99	—	99	(84)	15
Total property-casualty	60,842	(996)	59,846	7,797	67,643

ITEM 8. FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA

FAQ

What is The Travelers Companies's other insurance contracts — discount (net of reinsurance)?: The Travelers Companies (TRV) reported other insurance contracts — discount (net of reinsurance) of $5M in Q4 2025.
How has The Travelers Companies's other insurance contracts — discount (net of reinsurance) changed year-over-year?: The Travelers Companies's other insurance contracts — discount (net of reinsurance) increased by 25.0% year-over-year, from $4M to $5M.
What does other insurance contracts — discount (net of reinsurance) mean?: This metric reflects the adjustment applied to the undiscounted claim reserves to account for the time value of money, net of any reinsurance arrangements. It represents the difference between the nominal value of expected future claim payments and their present value. This adjustment is specific to long-tail liabilities where the timing of payments is significantly delayed.