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The Travelers Companies TRV Unallocated Loss Adjustment Expense Reserve — Discount (Net of Reinsurance)

Other product segments

General Liability
$121M-2.4%
Other Insurance Contracts
$5M+25.0%
Accident And Health Insurance Excluding Workers Compensation
$0
Automobile
$0
Other Including Impacts Of Retroactive Reinsurance
$0
Structured Settlement Annuity
$0

Similar metrics at other companies

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HIGProperty Insurance — Unpaid Unallocated Loss Adjustment Expenses, Net of Reinsurance
8,000,000,000%+700,000,000pp
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HIGAssumed Reinsurance — Unpaid Unallocated Loss Adjustment Expenses, Net of Reinsurance
$9M+28.6%
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HIGGroup Insurance Policy — Unpaid Unallocated Loss Adjustment Expenses, Net of Reinsurance
$214M-1.4%
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HIGMarine — Unpaid Unallocated Loss Adjustment Expenses, Net of Reinsurance
$15M0.0%
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HIGAutomobiles — Unpaid Unallocated Loss Adjustment Expenses, Net of Reinsurance
11,600,000,000%+400,000,000pp
The Hartford Financial Services Group logo
HIGShort-Duration Insurance, Other — Unpaid Unallocated Loss Adjustment Expenses, Net of Reinsurance
$8M+14.3%

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 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 ReservesDiscount(Net of Reinsurance)Subtotal:Net Claims and Claim Adjustment Expense ReservesReinsurance Recoverables on Unpaid Losses (4)Claims and Claim Adjustment Expense Reserves
International - Canada84784713860
Subtotal — claims and allocated claim adjustment expenses for the products presented in the development tables below52,121(991)51,1303,67254,802
Other insurance contracts (2)5,561(5)5,5561,7637,319
Unallocated loss adjustment expense reserves3,0613,061183,079
Structured settlements (3)2,4282,428
Other9999(84)15
Total property-casualty60,842(996)59,8467,79767,643
Accident and health33

ITEM 8. FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA

FAQ

What is The Travelers Companies's unallocated loss adjustment expense reserve — discount (net of reinsurance)?
The Travelers Companies (TRV) reported unallocated loss adjustment expense reserve — discount (net of reinsurance) of $0 in Q4 2025.
What does unallocated loss adjustment expense reserve — discount (net of reinsurance) mean?
This metric represents the adjustment applied to insurance claim liabilities to account for the time value of money, net of any reinsurance participation. It reflects the difference between the nominal value of future claim payments and their present value. This adjustment is essential for understanding the economic impact of long-tail claim settlements on the company's balance sheet.

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