TRAVELERS COMPANIES, INC. (TRV) — Moat, Quality & Fair Value

TRAVELERS COMPANIES, INC. (TRV) has a Narrow economic moat and a quality score of 70/100. It operates in the Financials sector.

Industry: Property & Casualty Insurance · Financials

Market share (2025): 4.2% of P&C & specialty insurers in the US

Economic moat: Narrow. Its competitive advantage is anchored in Intangible Assets, and Efficient Scale. A narrow moat indicates meaningful but less durable advantages. Learn more about how we classify moats in our guide to economic moats.

Quality score: 70/100. This score combines seven weighted pillars — returns on capital, margin strength, cash generation, financial health, durability, management, and moat & position. See how the quality score works.

Fair value: Our base owner-earnings estimate is $1098.03 (range $548.84–$1647.21). At $395.20, TRV trades a 64% discount to its estimated fair value — below fair value. Read how we calculate fair value.

Management: Buy the Management. Our management grade evaluates capital allocation, shareholder returns, compensation, dilution, buyback timing, and insider ownership.

Explore the full interactive analysis for TRV below — including the price & fair-value chart, financial statements, and the complete management evaluation. New to the framework? Start with the MoatScope guide.