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The Travelers Companies TRV Personal Insurance — Claims and claim adjustment expense reserves

Other segment segments

Business And International Insurance
$51.66B+3.9%
Bond And Specialty Insurance
$5.67B+5.7%

Similar metrics at other companies

Assured Guaranty logo
AGOReserve for insurance claims
$310M+5.4%
Cincinnati Financial logo
CINFPersonal Insurance — Reserves for unpaid claims and claim adjustment expenses
$1.69B+39.4%
Corebridge Financial logo
CRBGReserve for insurance claims
$38.82B+7.2%
Mercury General logo
MCYReserve for insurance claims
$3.65B-3.9%
ProAssurance logo
PRAReserve for insurance claims
$2.98B-6.3%
Hagerty logo
HGTYAuto — Reserves for Losses and Loss Adjustment Expenses Incurred But Not Reported
$70.51M+3.8%

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:SupplementaryInsuranceInformationLiabilityForFuturePolicyBenefitsLossesClaimsAndLossExpenseReserves.

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 personal insurance — claims and claim adjustment expense reserves?
The Travelers Companies (TRV) reported personal insurance — claims and claim adjustment expense reserves of $8.41B in Q4 2025.
How has The Travelers Companies's personal insurance — claims and claim adjustment expense reserves changed year-over-year?
The Travelers Companies's personal insurance — claims and claim adjustment expense reserves decreased by 6.5% year-over-year, from $8.99B to $8.41B.
What does personal insurance — claims and claim adjustment expense reserves mean?
This represents the estimated liability for claims that have been reported but not yet settled, as well as claims that have been incurred but not yet reported (IBNR). It is a critical measure of the segment's long-term financial obligations and actuarial accuracy. Proper reserve management is essential for maintaining solvency and profitability.