Travelers Z Score

TRV
 Stock
  

USD 189.54  0.40  0.21%   

Altman Z Score is one of the simplest fundamental models to determine how likely your company is to fail. The module uses available fundamental data of a given equity to approximate the Altman Z score. Altman Z Score is determined by evaluating five fundamental price points available from the company's current public disclosure documents. Additionally, take a look at Travelers Companies Piotroski F Score and Travelers Companies Valuation analysis.
  
Capital Expenditure is likely to drop to about (59.2 M) in 2022. Return on Invested Capital is likely to drop to 0.0331 in 2022. Travelers Companies Weighted Average Shares is fairly stable at the moment as compared to the past year. Travelers Companies reported Weighted Average Shares of 248.5 Million in 2021. Weighted Average Shares Diluted is likely to climb to about 321.6 M in 2022, whereas Consolidated Income is likely to drop slightly above 2.5 B in 2022.

Travelers Z Score Analysis

Travelers Companies' Z-Score is a simple linear, multi-factor model that measures the financial health and economic stability of a company. The score is used to predict the probability of a firm going into bankruptcy within next 24 months or two fiscal years from the day stated on the accounting statements used to calculate it. The model uses five fundamental business ratios that are weighted according to algorithm of Professor Edward Altman who developed it in the late 1960s at New York University..
 2019 2020 2021 2022 (projected)
Cash and Equivalents494 M721 M761 M821.08 M
Total Assets110.12 B116.76 B120.47 B108.21 B
Z Score 
 = 
Sum Of  
 
5 Factors 
More About Z Score | All Equity Analysis

Current Travelers Companies Z Score

    
  3.6  
Most of Travelers Companies' fundamental indicators, such as Z Score, are part of a valuation analysis module that helps investors searching for stocks that are currently trading at higher or lower prices than their real value. If the real value is higher than the market price, The Travelers Companies is considered to be undervalued, and we provide a buy recommendation. Otherwise, we render a sell signal.
First Factor
 = 
1.2 * (
Working Capital
/
Total Assets )
Second Factor
 = 
1.4 * (
Retained Earnings
/
Total Assets )
Thrid Factor
 = 
3.3 * (
EBITAD
/
Total Assets )
Fouth Factor
 = 
0.6 * (
Market Value of Equity
/
Total Liabilities )
Fifth Factor
 = 
0.99 * (
Revenue
/
Total Assets )

Travelers Z Score Driver Correlations

Understanding the fundamental principles of building solid financial models for Travelers Companies is extremely important. It helps to project a fair market value of Ford stock properly, considering its historical fundamentals such as Z Score. Since Travelers Companies' main accounts across its financial reports are all linked and dependent on each other, it is essential to analyze all possible correlations between related accounts. However, instead of reviewing all of Travelers Companies' historical financial statements, investors can examine the correlated drivers to determine its overall health. This can be effectively done using a conventional correlation matrix of Travelers Companies' interrelated accounts and indicators.
To calculate Z-Score one would need to know current working capital of the company, its total assets, and liabilities, amount of latest retained earnings as well as earnings before interest and tax. Z-Score can be used to compare the odds of bankruptcy of companies in a similar line of business or firms operating in the same industry. Companies with Z-Scores above 3.1 are generally considered to be stable and healthy with a low probability of bankruptcy. Scores that fall between 1.8 and 3.1 lie in a so-called 'grey area' with scores of less than 1, indicating the high probability of distress. Z Score is used widely by financial auditors, accountants, money managers, loan processers, wealth advisers, as well as day traders. In the last 25 years, many financial models that utilize z score has been proved to be successful as a predictor of corporate bankruptcy.
Compare to competition

Based on the company's disclosures, The Travelers Companies has a Z Score of 3.6. This is 49.38% higher than that of the Insurance sector and significantly higher than that of the Financials industry. The z score for all United States stocks is 58.72% higher than that of the company.

Travelers Z Score Peer Comparison

Stock peer comparison is one of the most widely used and accepted methods of equity analyses. It analyses Travelers Companies' direct or indirect competition against its Z Score to detect undervalued stocks with similar characteristics or determine the stocks which would be a good addition to a portfolio. Peer analysis of Travelers Companies could also be used in its relative valuation, which is a method of valuing Travelers Companies by comparing valuation metrics of similar companies.
Travelers Companies is currently under evaluation in z score category among related companies.

Travelers Companies Current Valuation Drivers

We derive many important indicators used in calculating different scores of Travelers Companies from analyzing Travelers Companies' financial statements. These drivers represent accounts that assess Travelers Companies' ability to generate profits relative to its revenue, operating costs, and shareholders' equity. Below are some of Travelers Companies' important valuation drivers and their relationship over time.
201720182019202020212022 (projected)
Net Income Per Employee66.75 K82.99 K85.13 K87.9 K118.9 K101.86 K
Revenue Per Employee938.38 K996.12 K1.03 M1.04 M1.13 M984.38 K

Travelers Companies ESG Sustainability

Some studies have found that companies with high sustainability scores are getting higher valuations than competitors with lower social-engagement activities. While most ESG disclosures are voluntary and do not directly affect the long term financial condition, Travelers Companies' sustainability indicators can be used to identify proper investment strategies using environmental, social, and governance scores that are crucial to Travelers Companies' managers, analysts, and investors.
Environment Score
Governance Score
Social Score

Travelers Companies Institutional Holders

Institutional Holdings refers to the ownership stake in Travelers Companies that is held by large financial organizations, pension funds or endowments. Institutions may purchase large blocks of Travelers Companies' outstanding shares and can exert considerable influence upon its management. Institutional holders may also work to push the share price higher once they own the stock. Extensive social media coverage, TV shows, articles in high-profile magazines, and presentations at investor conferences help move the stock higher, increasing Travelers Companies' value.
Security TypeSharesValue
Zwj Investment Counsel IncCommon Shares1.4 K210 K
Zwj Investment Counsel IncCommon Shares1.6 K239 K
Zwj Investment Counsel IncCommon Shares1.9 K258 K
Zwj Investment Counsel IncCommon Shares1.9 K233 K
Zwj Investment Counsel IncCommon Shares2.5 K316 K
Zwj Investment Counsel IncCommon Shares2.6 K312 K
Zweigdimenna Associates LlcCommon Shares2.4 K254 K

Travelers Fundamentals

About Travelers Companies Fundamental Analysis

The Macroaxis Fundamental Analysis modules help investors analyze The Travelers Companies's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of Travelers Companies using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of The Travelers Companies based on its fundamental data. In general, a quantitative approach, as applied to this company, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.
Please read more on our fundamental analysis page.
The Travelers Companies, Inc., through its subsidiaries, provides a range of commercial and personal property, and casualty insurance products and services to businesses, government units, associations, and individuals in the United states and internationally. The Travelers Companies, Inc. was founded in 1853 and is based in New York, New York. Travelers Companies operates under InsuranceProperty Casualty classification in the United States and is traded on New York Stock Exchange. It employs 30184 people.

Be your own money manager

Our tools can tell you how much better you can do entering a position in Travelers Companies without increasing your portfolio risk or giving up the expected return. As an individual investor, you need to find a reliable way to track all your investment portfolios. However, your requirements will often be based on how much of the process you decide to do yourself. In addition to allowing all investors analytical transparency into all their portfolios, our tools can evaluate risk-adjusted returns of your individual positions relative to your overall portfolio.

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Additionally, take a look at Travelers Companies Piotroski F Score and Travelers Companies Valuation analysis. You can also try Portfolio Center module to all portfolio management and optimization tools to improve performance of your portfolios.

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When running The Travelers Companies price analysis, check to measure Travelers Companies' market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Travelers Companies is operating at the current time. Most of Travelers Companies' value examination focuses on studying past and present price action to predict the probability of Travelers Companies' future price movements. You can analyze the entity against its peers and financial market as a whole to determine factors that move Travelers Companies' price. Additionally, you may evaluate how the addition of Travelers Companies to your portfolios can decrease your overall portfolio volatility.
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Is Travelers Companies' industry expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Travelers Companies. If investors know Travelers will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Travelers Companies listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth YOY
(0.28) 
Market Capitalization
44.3 B
Quarterly Revenue Growth YOY
0.057
Return On Assets
0.0232
Return On Equity
0.14
The market value of The Travelers Companies is measured differently than its book value, which is the value of Travelers that is recorded on the company's balance sheet. Investors also form their own opinion of Travelers Companies' value that differs from its market value or its book value, called intrinsic value, which is Travelers Companies' true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Travelers Companies' market value can be influenced by many factors that don't directly affect Travelers Companies' underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Travelers Companies' value and its price as these two are different measures arrived at by different means. Investors typically determine Travelers Companies value by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Travelers Companies' price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.