The Travelers Companies, Inc. TRV NYSE

The Travelers Companies, Inc. (TRV) has shown moderate revenue growth over the past 3 years, expanding from $36.9B to $48.8B (average +9.9%/yr). Net income reached $6.3B, reflecting exceptional earnings expansion at +32.7%/yr on average. The net profit margin is 12.9%, which is moderate. The company has maintained profitability in all 4 of the past 4 years, demonstrating a consistent earnings track record. The gross margin is 44.3% (moderate), with a -55.7pp trend over the period. With a $65B market cap and MOAT composite score of 62/100, the company has a moderate competitive position.

Criteria proven by this page:

• GROWTH (83/100, Pass) — proving strong growth momentum
• PAST (100/100, Pass) — proving consistent earnings. Looking at the full 41-year history, the company was profitable in 39 of 41 years — an excellent long-term track record
• INCOME (55/100, Partial) — the company is profitable but margin is below 15%
• MOAT (62/100, Partial) — some competitive advantages are present but not dominant

Overall SharesGrow Score: 66/100 with 2/7 criteria passed.