The Travelers Companies, Inc. — Earnings Quality Grade A
TRV · Financial Services
Strong financial health
Screening Summary
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
DSO 164 days, change -12 days YoY
AR growth -1.8% vs revenue growth 5.2%
Revenue 5.2%, CFFO 16.9%. Cash follows revenue
Expense Quality
No material inventory
Insufficient data
Insufficient data
Insufficient data
Cash Flow Quality
CFFO/NI = 1.69. Profits backed by cash
FCF $10.6B, FCF/NI = 1.69
Accruals ratio = -3.0%. Low accruals
Cash $26.2B covers debt $9.3B
Balance Sheet Health
Goodwill+Intangibles $4.4B = 13% of equity. Manageable
Insufficient data
Insufficient data
No write-off data
Acquisition Risk
FCF after acquisitions positive
Goodwill+Intangibles change -4% YoY. Normal
Manipulation Score
Insufficient data
Altman Z-Score — Not Applicable
The Travelers Companies, Inc. is a financial company. Z-Score is designed for non-financial companies.
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-09