InsiderStreet Equity Research

Produced by InsiderStreet.ai from live production data. It is not investment advice, not an offer or solicitation to buy or sell any security, and not a recommendation for any investor. Do not rely on it for any investment decision.

Last Close

$389.54

2026-10-16

Market Cap

$81.2B

Volume

3.2M

52-Wk High

$398.70

52-Wk Low

$261.87

Trailing PE

10.1

P/S

1.66

Gross Margin

34.9%

Net Margin

17.0%

ROE

26%

ROIC

18%

Piotroski

7/9

Altman Z

1.9

1-Yr Return

+51.2%

5-Yr Return

+208.9%

The Travelers Companies, Inc., through its network of subsidiaries, delivers a broad spectrum of commercial and personal property and casualty insurance products and services. These offerings cater to businesses, government entities, associations, and individual clients both within the United States and internationally. The company's operations are divided into three primary segments: Business Insurance, Bond & Specialty Insurance, and Personal Insurance. The Business Insurance segment provides a comprehensive portfolio of commercial coverages, ranging from foundational offerings like workers' compensation, commercial auto, property, general liability, multi-peril, and employers' liability, to more specialized policies. These specialized offerings include public and product liability, professional indemnity, marine, aviation, onshore and offshore energy, construction, terrorism, personal accident, and even kidnap and ransom insurance. This segment serves a diverse clientele, from small and mid-sized enterprises to large corporations, and also focuses on sectors like commercial trucking and agriculture. Its products are distributed through a robust network of independent brokers, wholesale agents, and program managers. The Bond & Specialty Insurance segment focuses on providing surety and fidelity bonds, as well as management and professional liability insurance. Additionally, it offers other property and casualty coverages paired with crucial risk management services. Distribution for this segment is handled via independent agencies and brokers. Lastly, the Personal Insurance segment addresses individual needs by offering property and casualty insurance for personal risks. Its primary focus areas are automobile and homeowners insurance, which are also made available to consumers through independent agencies and brokers. Founded in 1853, The Travelers Companies, Inc. maintains its headquarters in New York, New York.

SectorFinancial ServicesIndustryInsurance - Property & CasualtyExchangeNYSEMarket Cap$81.2BEmployees34,000 (SEC-filed)CEOAlan D. SchnitzerIPO1975-11-17CountryUS

485 Lexington Avenue, New York City, NY 10017 · Tel 917 778 6000 · travelers.com

INSIDERSTREET SCORE69 / 100Street mean $378.17 (6 analysts, last qtr) — their number, not ours

INSIDER CONSENSUS SIGNALROUTINE SELLING — LOW SIGNAL$42M sold / 6 mo, zero open-market buys

1 Year vs S&P 500 · TRV +51.2% · S&P 500 +15.9% · spread +35.3pp

7 Years vs S&P 500 · TRV +208.9% · S&P 500 +189.9% · spread +19.1pp

Both charts indexed to 100 at the start of their window and drawn on a single shared scale, so the gap to the benchmark is the gap you see. Adjusted closes throughout.

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INSIDERSTREET
SCORE69of 100

Score Breakdown

Profitability	60/100
Growth	59/100
Momentum	86/100
Quality	79/100
Earnings Quality	72/100
Balance Sheet	76/100
Value	76/100
Risk (safety)	100/100
Overall	68.8/100

Each component is a diagnostic reading on its own 0-100 scale. The overall score is computed separately from the underlying financials and is not the average of the rows above — components are not equally weighted and three of them (Momentum, Value, Risk) are derived partly from price rather than from the business.

Peer Comparison — IS Score

Symbol	IS Score
ALL	60
PGR	57
CB	61
WRB	60
CINF	78
MKL	50
TRV	69

IS Score Trend — quarterly

15 quarters, 23 Q1 to 26 Q3. Peak 74 in 24 Q4, latest 69 — -5 since. Fell in 2 of the last 4 quarters. Dashed line marks 40 on the 0-100 scale.

BUSINESS QUALITY69 / 100IS Score 68.8 / 100 · -5.2 from peak of 74

Fundamental factor model, quarterly. Measures how the business is doing - not where the price is going.

PRICE STRUCTUREBULLISHTechnical Score 88 / 100 · Power +76 · 21 of 22 indicator votes bullish

Vote share across trend, momentum, volume, volatility and pattern families. Describes where the price is, not where it is going.

Both readings sit above the midpoint — business quality at 69 and price structure at 88 out of 100 — so they are not in conflict. The fundamentals and the tape are saying the same thing, which is the case in which either one alone would have been enough.

Trigger	Where it stands now	What it would mean
IS Score reaches 75 and holds two consecutive quarters	now 68.8	would move us up one band
IS Score stops falling - one quarter higher than the prior	last four: 63 → 63 → 62 → 69	the direction matters more than the level
Technical vote share back above 50%	now 100%	price structure no longer broken
Institutional holder count rises two quarters running	peak 1,848 → now 1,848	fewer institutions willing to hold is our clearest warning

We publish these so the view can be shown to be wrong. If none of them move and our reading does, we owe you an explanation.

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

This page is InsiderStreet's own reading, produced from the data in the rest of this document. It is not a price target and not investment advice. Analyst consensus and street price targets appear later under their own heading and are the street's numbers, not ours.

Site Convergence Score3 of 4top 4% of 29,420 symbols

Sources Aligned— of 3independent disclosures

Congress (180d)3 buys2026-06-02

Insider Buys (180d)0none disclosed

ETF Funds (30d)1269 up / 1263 downnet +6 funds

Institutions Added (13F)59managers opening or increasing

Congressional and insider figures are disclosed purchases in the trailing 180 days; ETF figures are COUNTS OF FUNDS whose holding changed in 30 days, not dollars. Coincidence of separate disclosures, not coordination. An absent source means nothing qualifying was disclosed in its window.

Institutions holding — 12 quarters

Peak 1,848 · latest 1,848 (+0 from peak).

Quarter	Holders	13F shares	Value	Reported own%
2026 Q2	1,848	185.4M	$60.0B	89.6%
2026 Q1	1,789	177.4M	$50.9B	85.7%
2025 Q4	1,764	184.2M	$52.4B	89.0%
2025 Q3	1,655	184.3M	$49.6B	89.1%
2025 Q2	1,622	188.4M	$48.7B	91.1%
2025 Q1	1,629	186.6M	$48.2B	90.2%
2024 Q4	1,568	188.3M	$44.2B	91.0%
2024 Q3	1,455	187.2M	$42.4B	90.5%
2024 Q2	1,392	189.5M	$37.3B	91.6%
2024 Q1	1,436	187.7M	$41.4B	90.7%
2023 Q4	1,312	188.4M	$34.3B	91.0%
2023 Q3	1,243	185.6M	$29.4B	89.7%

How to read ownership above 100%. A 13F reports the positions a manager has investment discretion over, and where two or more managers share discretion over the same block, each one reports it. Summed across filers, the total can therefore exceed the shares actually outstanding without anything being wrong. We publish the figure as filed rather than netting it down, and flag separately any quarter where the arithmetic is not merely high but impossible.

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Insider	Role	Date	Type	Shares	Value	Post-Txn Owned
Golden Russell G.	director	2026-09-30	A-Award	130	$0.05M	5,749
Robinson Elizabeth	director	2026-09-30	A-Award	123	$0.04M	12,729
Jabbour Anthony M	director	2026-09-30	A-Award	65	$0.02M	513
Olivo Maria	EVP, ERM & Chief Risk Officer	2026-08-28	SELL	6,000	$2.22M	118,742
Jabbour Anthony M	director	2026-08-14	A-Award	446	$0.17M	446
Yin Daniel Tei-Hwa	EVP & Co-Chief Invest. Officer	2026-07-24	EXERCISE	7,153	$1.01M	75,987
Yin Daniel Tei-Hwa	EVP & Co-Chief Invest. Officer	2026-07-24	SELL	7,153	$2.77M	68,834
Yin Daniel Tei-Hwa	EVP & Co-Chief Invest. Officer	2026-07-24	EXERCISE	7,153	$1.01M	0

6-mo decomposition (Form 4)	Txns	Shares	Value	Signal weight
S — Open-market sales	28	122,951	$41.8M	Counted
M — Exercises (paired A/D)	18	127,008	$17.5M	None — mechanics
F — Tax withholding	1	20,951	$6.5M	None — compensation
G — Gifts	3	3,756	—	None
P — Open-market purchases	0	0	$0	Counted — none occurred

Monthly Net Insider Flow (000 shares)

Net of acquisitions minus dispositions, all Form 4 types.

Signal Summary

SignalRoutine Selling — Low Signal

Open-Market Sells$41.8M28 txns / 6 mo

Open-Market Buys$0.0M0 txns / 6 mo

ClusterNone active3+ insiders / 21 days

Filed	Filer	Shares registered	Est. proceeds
2026-08-28	Olivo Maria	6,000	$2.2M
2026-07-28	Heyman William H	2,344	$0.9M
2026-07-27	Heyman William H	3,572	$1.4M
2026-07-24	Heyman William H	5,206	$2.0M
Trailing 12 mo	51 filings	359,825	$113M

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Filed	Form	Reporting person	% of class	Shares
2026-05-06	SCHEDULE 13G/A	Abigail P. Johnson	5.50%	12.0M sh
2026-04-30	SCHEDULE 13G	Vanguard Capital Management	7.49%	16.2M sh
2026-03-26	SCHEDULE 13G/A	The Vanguard Group	—	exit/reporting change
2026-02-05	SCHEDULE 13G/A	The Vanguard Group	10.19%	22.2M sh

Member	Chamber	Trade	Size band	Traded	Disclosed
Ro Khanna	House	BUY	$1,001 - $15,000	2026-06-02	2026-07-08
Julia Letlow	House	BUY	$1,001 - $15,000	2026-02-20	2026-03-13
Julia Letlow	House	BUY	$1,001 - $15,000	2026-02-20	2026-03-13
John Boozman	Senate	SELL	$1,001 - $15,000	2026-07-02	2026-08-17
John Boozman	Senate	SELL	$1,001 - $15,000	2026-07-02	2026-08-17
John Boozman	Senate	SELL	$1,001 - $15,000	2026-07-02	2026-08-16

House 12-Mo5 trades3 purchases

Senate 12-Mo5 trades2 purchases

CoverageSTOCK Act filings30-45 day disclosure lag

13F Filers (last complete Q)1,789

13F Shares177M85.7% of shares out

New / Closed172 / 115positions, QoQ

Increased / Reduced655 / 636positions, QoQ

Put/Call (13F)1.14option positions

Free Float99.5%208M sh

2.8 · Largest Reporting 13F Managers

Manager	Shares	Value
Wealth Enhancement Advisory Servic	375,046	$136M
Fjarde Ap-Fonden /Fourth Swedish N	141,362	$50M
Assenagon Asset Management S.A.	137,987	$49M
Vontobel Holding Ltd.	71,090	$25M
Mn Services Vermogensbeheer B.V.	61,984	$22M
Czech National Bank	59,929	$21M

EDGAR 13F holdings as of 2026-09-30; filer values normalized to dollars.

2.9 · Top ETF & Fund Ownership

Fund	Weight	Position
VITSX	0.1%	$2.4B
VTI	0.1%	$2.4B
VTSAX	0.1%	$2.4B
VSMPX	0.1%	$2.4B
DIA	4.3%	$2.0B
VFFSX	0.1%	$2.0B

13F Filers Holding TRV — quarterly

Institutional Put/Call — quarterly

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Daily short-sale volume as % of volume reported in FINRA's short-sale file — a flow measure, not short interest; dashed = 50-day average.

Latest Session50.9%2026-10-15

20-Day Avg62.2%50-day 54.2%

TrendRising20d vs 50d

By Market CenterQ: 50% · N: 66% · B: 50%latest session

Weekly Notional ($B)

Where TRV Trades in the Dark

ATS Venue (4-wk)	Shares	Avg trade
Incr Intelligent Cross Llc	2.0M	27 sh
Ubsa Ubs Ats	1.3M	27 sh
Ebxl Level Ats	0.9M	17 sh
Sgmt Sigma X2	0.9M	23 sh
Mstx Ms Trajectory Cross (Ats-1)	0.8M	22 sh
Mlix Instinct X	0.7M	31 sh

Where a dollar of The Travelers Companies, Inc. revenue goes. All values FY2025 filings, live.

Region	Revenue	Share
UNITED STATES	$46.4B	90%
Non-US	$2.5B	5%
CANADA	$1.3B	3%
Other Non-U.S.	$1.1B	2%

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

TRV (live moat model)Peer median: ALL · PGR · CB · WRB · CINF

Component scores from the live moat model. Peer median illustrative.

Moat score 39/100 — None; primary source Efficient Scale.

3.8 · Employees (SEC filings)

Officer	Title
Alan David Schnitzer	Chairman & Chief Executive Officer
Avrohom J. Kess	Vice Chairman & Chief Legal Officer
Gregory Cheshire Toczydlowski	Executive Vice President & President of Business Insurance
Michael Frederick Klein	Executive Vice President & President of Personal Insurance

Revenue ($B)

EPS ($) — GAAP diluted actual, street-basis estimate

Actual bars are GAAP diluted EPS from the filed income statement; the lighter forward bars are street-basis consensus. The two are different measures and are not comparable quarter to quarter.

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Quarterly EPS — Actual vs. Consensus

Beats (>2%)6 of 6recent quarters

Avg Surprise+41.8%

Next Report2027-01-20

Income Quality1.28OCF ÷ net income

Beat Rate—%0 of 0 quarters

Current Streak0longest 0

Avg EPS Surprise—%median —%

Surprise Trend—last 4 vs prior 4

Period	EPS est.	EPS actual	EPS surprise	Rev est. ($M)	Rev actual ($M)	Rev surprise

Announcement dates to . Consensus as it stood at each report. Revenue surprise shown where both estimate and actual are filed. A beat record is history, not a forecast.

Profit Margins (%)

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Revenue by Segment — Stacked

Live segmentation data.

YoY Growth Heatmap — Income Lines

YoY growth	FY21	FY22	FY23	FY24	FY25
Revenue	+8.9%	+6.0%	+12.1%	+12.2%	+5.2%
Gross profit	+17.2%	-10.0%	+4.7%	+38.8%	+74.3%
Operating income	+37.7%	-24.8%	+0.5%	+83.3%	+26.1%
Net income	+35.8%	-22.4%	+5.2%	+67.1%	+25.8%

$B · FY ends	FY21	FY22	FY23	FY24	FY25
Revenue	34.8	36.9	41.4	46.4	48.8
Cost of revenue	25.3	28.4	32.4	34.0	27.2
Gross profit	9.5	8.5	8.9	12.4	21.6
R&D expense	0.0	0.0	0.0	0.0	0.0
SG&A expense	4.7	4.8	5.2	5.8	6.1
Operating income	4.5	3.4	3.4	6.2	7.8
EBITDA	5.7	4.5	4.5	7.3	8.9
D&A	0.9	0.8	0.7	0.7	0.7
Pretax income	4.5	3.4	3.4	6.2	7.8
Income tax	0.8	0.5	0.4	1.2	1.5
Net income	3.7	2.8	3.0	5.0	6.3
Diluted EPS ($)	14.49	11.77	12.79	21.47	27.43
Diluted shares (M)	251	240	232	231	228

Operating CF$11B

CapEx$0B

Free cash flow$11B

SBC$0B

Buybacks$3B

Net cash change$0B

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Balance Sheet — Full

$B	FY22	FY23	FY24	FY25
Cash & equivalents	0.8	0.7	0.7	0.8
ST investments	74.6	82.9	88.4	5.7
Receivables (net)	20.6	21.7	22.3	14.9
Total current assets	97.0	106.4	112.6	21.4
PP&E (net)	0.0	0.0	0.0	0.0
Goodwill + intangibles	4.2	4.3	4.6	4.4
Total assets	115.7	126.0	133.2	143.7
Accounts payable	4.0	3.8	3.7	3.6
Short-term debt	0.1	0.1	0.1	0.3
Deferred revenue	0.0	0.0	0.0	0.0
Total current liabilities	4.1	3.9	3.8	91.7
Long-term debt	7.2	7.9	7.9	9.0
Total liabilities	94.2	101.1	105.3	110.8
Shareholders' equity	21.6	24.9	27.9	32.9

Cash Flow Statement — Full

$B	FY22	FY23	FY24	FY25
Net income	2.8	3.0	5.0	6.3
D&A	0.8	0.7	0.7	0.7
Stock-based compensation	0.0	0.0	0.0	0.0
Working capital change	(2.4)	(2.7)	(3.8)	(4.3)
Operating cash flow	6.5	7.7	9.1	10.6
Capital expenditures	0.0	0.0	0.0	0.0
Investing cash flow	(3.7)	(6.8)	(7.3)	(7.7)
Buybacks	(2.1)	(1.0)	(1.1)	(3.1)
Dividends paid	(0.9)	(0.9)	(1.0)	(1.0)
Debt issuance / (repay)	0.0	0.7	0.0	1.2
Financing cash flow	(2.7)	(1.1)	(1.7)	(2.7)
Free cash flow	6.5	7.7	9.1	10.6

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Balance Sheet Structure ($B)

Cash Generation vs Capex ($B)

Left: what the balance sheet is made of — the gap between the assets bar and the liabilities bar is book equity. Right: whether the capex bar is covered by the operating-cash bar; where it is not, the difference was funded externally and free cash flow goes negative.

Ratio	FY21	FY22	FY23	FY24	FY25	TTM
PROFITABILITY
ROE	12.6%	11.3%	12.9%	18.9%	20.7%	26%
ROA	3.1%	2.4%	2.5%	3.9%	4.5%	5.9%
ROIC	-7.9%	-6.1%	-5.9%	-9.4%	17.7%	18.3%
Gross margin	27.2%	23.1%	21.6%	26.7%	44.3%	34.9%
Operating margin	12.8%	9.1%	8.1%	13.3%	16.0%	21.6%
Net margin	10.5%	7.7%	7.2%	10.8%	12.9%	17.0%
EBITDA margin	16.3%	12.3%	10.8%	15.7%	18.2%	23.5%
FCF margin	20.9%	17.5%	18.6%	19.5%	21.7%	—
VALUATION
P/E	9.73	14.73	14.22	10.94	10.33	10.1
P/B	1.23	1.94	1.71	1.96	1.98	2.8
P/S	1.02	1.13	1.03	1.18	1.33	1.66
P/FCF	4.90	6.47	5.52	6.03	6.13	7.6
EV/EBITDA	-6.96	-5.80	-7.39	-3.62	7.60	7.8
EV/Revenue	-1.13	-0.71	-0.80	-0.57	1.39	1.8
Earnings yield	10.3%	6.8%	7.0%	9.1%	9.7%	10.34%
FCF yield	20.4%	15.4%	18.1%	16.6%	16.3%	13.14%

Ratio	FY21	FY22	FY23	FY24	FY25	TTM
LEVERAGE & SOLVENCY
Current ratio	23.60	23.58	27.38	29.33	0.23	1.32
Quick ratio	23.60	23.58	27.38	29.33	0.23	1.32
Debt / equity	0.25	0.34	0.32	0.29	0.28	0.34
Debt / assets	6.1%	6.3%	6.4%	6.0%	6.4%	6.9%
Net debt / EBITDA	-13.25	-15.04	-16.91	-11.13	0.30	0.79
Interest coverage	14.11	10.56	9.97	16.77	19.34	—

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Ratio	FY21	FY22	FY23	FY24	FY25	TTM
EFFICIENCY
Asset turnover	0.29	0.31	0.34	0.36	0.35	0.34
Receivables turnover	1.70	1.80	1.96	2.11	2.93	2.0
DSO (days)	214	203	186	173	124	180
DPO (days)	64	53	44	40	43	—
Cash conversion cycle	150	149	142	132	81	180
GROWTH (YoY)
Revenue growth	8.9%	6.0%	12.1%	12.2%	5.2%	—
Net income growth	35.8%	-22.4%	5.2%	67.1%	25.8%	—
EPS growth	40.4%	-19.1%	7.6%	67.4%	29.5%	—
FCF growth	11.6%	-11.1%	19.3%	17.7%	16.9%	—
PER SHARE ($)
EPS (diluted, TTM)	14.86	12.03	12.94	21.67	28.07	40.27
Book value / share	117.24	91.24	107.84	120.78	146.85	140.14
Revenue / share	141.30	156.14	179.03	201.25	217.98	236.45
FCF / share	29.52	27.36	33.37	39.33	47.35	51.60
Cash / share	334.44	319.21	361.72	386.35	29.28	465.63
SHAREHOLDER RETURN & SCORES
Buyback yield	6.2%	4.9%	2.4%	2.0%	4.8%	8.30%
Altman Z-Score	2.13	2.18	2.16	2.32	0.83	1.9
Piotroski F-Score	7	5	8	9	7	7/9
Beneish M-Score	-2.55	-2.37	-2.71	-2.64	-1.26	-2.64

Model	Score	Zone	Note
Piotroski F-Score	7 / 9	Strong
Altman Z-Score	1.9	Grey zone	Grey
Income quality	1.28	Cash-backed	OCF ÷ net income
Beneish M-Score	-2.64	Non-manipulator	vs −2.22 threshold

DuPont Decomposition (TTM)	Value
Tax burden	0.80
Interest burden	0.96
Operating margin	22.1%
Asset turnover	0.34×
Financial leverage	4.72×
= ROE	27%

Growth Quality (live)	Value
Revenue stability	0.96
Earnings stability	0.67
Earnings persistence	0.83
Revenue CAGR 3y	6.9%
EPS CAGR 3y	61.2%
FCF CAGR 3y	15.4%

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NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Buyback Yield8.30%

Dividend Yield1.21%

Total Shareholder Return9.28%cash yield

SBC / Revenue-0.3%dilution pressure

Company	Mkt cap	P/E	ROE	Net margin	Rev growth	Piotroski	1-yr ret
ALL	$62.7B	4.9	46%	17.6%	+5.4%	7/9	+27.8%
PGR	$127.0B	11.0	35%	14.0%	+10.5%	6/9	-1.4%
CB	$138.8B	12.6	15%	18.2%	+7.6%	7/9	+34.6%
WRB	$28.0B	15.4	20%	6.6%	+26.0%	8/9	+5.3%
CINF	$26.3B	8.0	21%	29.4%	+19.5%	8/9	—
MKL	$22.9B	10.1	13%	22.5%	+6.7%	7/9	—
L	$22.6B	13.5	10%	9.4%	+4.3%	8/9	—
RE	$15.3B	8.0	13%	14.1%	-5.1%	5/9	—

1-yr returns computed from adjusted price history; peers without a tracked series show —.

Hold

44 Analysts

Str Sell (0)Sell (4)Hold (29)Buy (10)Str Buy (1)

Mean Target (qtr)$378.176 targets

Target vs. Price-2.9%last-quarter mean

Next Report2027-01-20street $9.76

Consensus estimates	Revenue mean	High / Low	EPS mean	High / Low	# EPS est.
FY2026	$44.02B	$44.55B / $43.76B	$34.69	$37.85 / $32.19	17
FY2027	$45.30B	$45.79B / $44.52B	$30.51	$33.43 / $29.02	17
FY2028	$46.71B	$47.97B / $45.31B	$31.16	$34.56 / $25.66	7

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Street Price Target — Trajectory

Window	Avg Target	vs. Price	# Targets
Last Month	$378.00	-3.0%	1
Last Quarter	$378.17	-2.9%	6
Last Year	$343.25	-11.9%	16
All Time	$260.83	-33.0%	52

Rolling mean of published targets vs. last close $389.54. Aggregated from StreetInsider, Benzinga, Pulse 2.0.

Third-Party Composite Rating

A-

DCF

4/5

ROE

5/5

ROA

5/5

Debt/Eq

3/5

P/E

3/5

P/B

1/5

Independent quant composite as of 2026-10-16; components scored 1–5 (5 best). Shown for contrast with the InsiderStreet Score — methodologies differ.

TRV +51.2% vs S&P 500 +15.9% — spread +35.3pp

Sector — XLF +7.2%

Peer Set — indexed to 100

All series indexed to 100 at the start of the window, adjusted closes.

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Candlesticks with SMA 20/50 overlay, Bollinger (20,2σ) band, volume, and Wilder RSI(14) — computed from live daily OHLCV.

Moving Average	Value	Distance	% Distance	Signal
SMA 20	$367.05	+22.49	+6.13%	Above
SMA 50	$368.71	+20.83	+5.65%	Above
SMA 200	$322.26	+67.28	+20.88%	Above
EMA 9	$375.80	+13.74	+3.66%	Above
EMA 21	$370.89	+18.65	+5.03%	Above
EMA 50	$365.83	+23.71	+6.48%	Above
EMA 200	$330.38	+59.16	+17.91%	Above

Series and readings from the nightly technical-indicator history — identical data to the site's ribbon chart. Supertrend segments colored by direction.

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

TECHNICAL VERDICTBULLISHPower Score +7621 of 22 indicator votes bullish

Family Scores (site weights)

Trend 30%100

Momentum 25%91

Volume 20%88

Volatility 10%100

Patterns 15%50

This Week100% bullishof 11 price-based votes

4 Weeks Ago100%+0 pts since

12 Weeks Ago100%+0 pts since

ReadStabilizingweek-over-week trajectory

Price vs SMA 20$367.05

Price vs SMA 50$368.71

Price vs SMA 200$322.26

EMA 9/21 Cross375.8/370.9

SMA 50/200Golden

ADX DirectionADX 16

Supertrend$360

Parabolic SAR$361

SMA Slope0.750

RSI72.7

Stochastic K/D97/97

StochRSI K/D100/100

Williams %R-4

CCI183

TSI vs Signal16.6

CMO45.4

ROC8.09%

OBV SignalAccum

Chaikin MF0.170

MFI77

Force Index5M

Elder Ray Bull20.02

RSI (14)30 oversold · 70 overbought

Stochastic %Kvs %D 97

Money Flowvolume-weighted RSI

ADXtrend strength · <20 weak

Williams %Rinverted scale

Level	Value	Level	Value
Pivot / R1 / R2	$381.74 / $387.52 / $391.15	S1 / S2	$378.11 / $372.33
Bollinger (20,2)	$350.08 – $384.03	Squeeze	Off
52-wk range	$248.46 – $397.34	Off 52-wk high	-2.0%
ATR (14)	$7.81 (2.0%)	Historical vol	18.8%

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

+0.1%Jan50%

+0.9%Feb65%

+1.2%Mar76%

+0.7%Apr55%

+0.6%May50%

-1.0%Jun45%

-0.2%Jul45%

+0.4%Aug60%

+0.9%Sep60%

+5.0%Oct75%

+3.2%Nov85%

+2.6%Dec75%

Sample: 20 years — treat short histories as suggestive, not statistical.

Computed from live weekly prices	TRV	S&P 500
Weekly volatility (σ, 1y)	3.09%	1.83%
Best / worst week (1y)	+13.0% / -5.7%	—
Max drawdown (5y, monthly)	-38.3%	—
1-week VaR (95%)	-4.7%	—
Beta (5y)	0.45	1.00

TRV EQUITY WEATHER (LIVE)PARTLY CLOUDY · +32

Trend+43

Momentum+70

Volume+63

Volatility-60

Breadth-23

MARKET REGIME (2026-10-16)NEUTRAL

VIX19.99Normal

Dow TheoryConfirmed Bearish

SPY / QQQ TSI7.2 / 4.7trend strength

Sector Strength46/100breadth average

Average sentiment of 311 stories, weekly buckets, −1 to +1.

This space intentionally left blank — the next section begins on the following page

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Overall+31.7+41.7 vs industry

Trend+43.0+41.4 vs industry

Momentum+69.8+55.5 vs industry

Volume+62.8+70.3 vs industry

Reading	TRV	Insurance - Property & Casualty n=188	Financial Services n=24,134	All US symbols n=70,435
Overall	+31.7	-10.0	-16.3	-20.5
Trend	+43.0	+1.7	-12.5	-21.3
Momentum	+69.8	+14.3	-4.4	-15.8
Volume	+62.8	-7.5	+0.0	-3.8

Trend, momentum and volume are computed per company. Volatility and breadth are market-regime values shared by every symbol in the universe, so they are reported once under Market Regime rather than compared here - a company cannot differ from its sector on a constant.

Executive	Total comp	Structure
Alan D. Schnitzer Chairman and Chief Executi	$28.5M	63% equity+incentive
Gregory C. Toczydlowski Executive Vice Presi	$8.6M	42% equity+incentive
Avrohom J. Kess Vice Chairman and Chief Lega	$8.3M	36% equity+incentive
Michael F. Klein Executive Vice President an	$7.8M	43% equity+incentive
Daniel S. Frey Executive Vice President and	$6.8M	39% equity+incentive

Pillar (live disclosure scores)	Score
Environmental	50
Social	56
Governance	55
Composite ESG	54

Composite ESG Trend

Filed	8-K contents	Items
2026-10-16	Earnings Release; Exhibits	2.02,9.01
2026-08-07	Officer/Director Change	5.02
2026-07-24	Other Events; Exhibits	8.01,9.01
2026-07-17	Earnings Release; Exhibits	2.02,9.01
2026-05-22	Officer/Director Change; Shareholder Vote; Exhibits	5.02,5.07,9.01
2026-05-21	Other Events; Exhibits	8.01,9.01
2026-04-16	Earnings Release; Exhibits	2.02,9.01
2026-02-17	Departure/Election of Directors; Appointment of Officers; Regulation F	5.02,7.01,9.01

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Methodology. Every figure originates in InsiderStreet's production data layer and is computed deterministically by the same engines that power insiderstreet.ai. This factsheet contains no model-written text. Sections without underlying data are omitted rather than estimated.

DISCLOSURES. This document is produced by InsiderStreet.ai from live production data. It is not investment advice, not an offer or solicitation to buy or sell any security, and not a recommendation tailored to any person. Data is sourced as of the dates shown and may no longer be current. InsiderStreet.ai is not a registered investment adviser or broker-dealer. Investing involves risk, including loss of principal. Past performance does not guarantee future results. Do not make any investment decision based on this document. © 2026 InsiderStreet.ai — all rights reserved. Redistribution prohibited.

Data domain	Source	Coverage for this report
Price & volume	market_db.historical_prices	52 rows
Fundamentals	income_statements_annual	6 rows · 2020 to 2025
Reported vs consensus	fact/earnings_calendar	24 rows · 2021-01-21 to 2026-10-16
Analyst estimates	dim/forward_estimates	3 rows · 2026-12-31 to 2028-12-31
Institutional ownership (13F)	holdings_db.institutional_ownership_summary	84 rows · 1987 to 2026
Insider transactions (Form 4)	edgar/form4	12 rows · 2026-07-22 to 2026-09-30
Proposed sales (Form 144)	edgar/form144	1 record
Beneficial ownership (13D/G)	edgar/13dg	4 rows · 2026-02-05 to 2026-05-06
Short-sale volume (FINRA)	edgar/short_volume_daily	60 rows · 2026-07-23 to 2026-10-15
Dark pool (ATS, tier 1)	edgar/darkpool_weekly	12 rows · 2026-06-15 to 2026-08-31
ETF & fund holding	etf_holdings_changelog (30d)	1 record
Peer set	stock_peers_dynamic	8 rows
Industry medians	industry_medians	1 record
Congressional trades	congress_db (House + Senate)	1 record
ESG	fact/esg_disclosures	1 record

Method. Every figure in this factsheet is looked up from a named field computed in code. It contains no model-written text.

Not covered. Short interest as a percent of float and days-to-cover are not in this data set — the short-sale figures above are FINRA volume, a flow, and cannot support squeeze or covering analysis. Options positioning and intraday data are also absent. 13F ownership is filed 45 days after quarter end and congressional trades are disclosed on a lag, so both describe a past position, not a current one.

The Travelers Companies, Inc. (TRV)

The Travelers Companies, Inc. (TRV)

Score Breakdown

Peer Comparison — IS Score

IS Score Trend — quarterly

The Travelers Companies, Inc. (TRV)

Institutions holding — 12 quarters

The Travelers Companies, Inc. (TRV)

Monthly Net Insider Flow (000 shares)

Signal Summary

The Travelers Companies, Inc. (TRV)

2.8 · Largest Reporting 13F Managers

2.9 · Top ETF & Fund Ownership

13F Filers Holding TRV — quarterly

Institutional Put/Call — quarterly

The Travelers Companies, Inc. (TRV)

Where TRV Trades in the Dark

The Travelers Companies, Inc. (TRV)

3.8 · Employees (SEC filings)

The Travelers Companies, Inc. (TRV)

The Travelers Companies, Inc. (TRV)

The Travelers Companies, Inc. (TRV)

Balance Sheet — Full

Cash Flow Statement — Full

The Travelers Companies, Inc. (TRV)

The Travelers Companies, Inc. (TRV)

The Travelers Companies, Inc. (TRV)

The Travelers Companies, Inc. (TRV)

Street Price Target — Trajectory

Third-Party Composite Rating

The Travelers Companies, Inc. (TRV)

The Travelers Companies, Inc. (TRV)

Family Scores (site weights)

The Travelers Companies, Inc. (TRV)

The Travelers Companies, Inc. (TRV)

The Travelers Companies, Inc. (TRV)