Compared to Estimates, Travelers (TRV) Q4 Earnings: A Look at Key Metrics

For the quarter ended December 2024, Travelers (TRV) reported revenue of $12.06 billion, up 10.3% over the same period last year. EPS came in at $9.15, compared to $7.01 in the year-ago quarter.The reported revenue compares to the Zacks Consensus Estimate of $11.94 billion, representing a surprise of +1.01%. The company delivered an EPS surprise of +39.27%, with the consensus EPS estimate being $6.57.While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.Here is how Travelers performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts: Underwriting Expense Ratio - Consolidated: 28.2% compared to the 28.4% average estimate based on 10 analysts. Loss and loss adjustment expense ratio - Consolidated: 55% versus the 10-analyst average estimate of 61.5%. Combined Ratio - Consolidated: 83.2% compared to the 90.1% average estimate based on 10 analysts. Underwriting Expense Ratio - Business Insurance: 28.8% versus 29.4% estimated by seven analysts on average. Total Revenues- Net investment income: $955 million versus the 10-analyst average estimate of $925.53 million. The reported number represents a year-over-year change of +22.8%. Total Revenues- Fee income: $128 million compared to the $113.30 million average estimate based on 10 analysts. The reported number represents a change of +17.4% year over year. Total Revenues- Premiums: $10.87 billion compared to the $10.80 billion average estimate based on 10 analysts. The reported number represents a change of +9% year over year. Total Revenues- Other Revenues: $112 million versus the 10-analyst average estimate of $98.14 million. The reported number represents a year-over-year change of +43.6%. Revenues- Premiums- Business Insurance: $5.54 billion versus the seven-analyst average estimate of $5.50 billion. The reported number represents a year-over-year change of +9.4%. Revenues- Premiums- Personal Insurance: $4.31 billion versus $4.29 billion estimated by seven analysts on average. Compared to the year-ago quarter, this number represents a +8.5% change. Revenues- Premiums- Bond & Specialty Insurance: $1.02 billion versus $1.02 billion estimated by seven analysts on average. Compared to the year-ago quarter, this number represents a +8.8% change. Revenues- Other revenues- Personal Insurance: $25 million versus the six-analyst average estimate of $24.55 million. The reported number represents a year-over-year change of +4.2%. View all Key Company Metrics for Travelers here>>>Shares of Travelers have returned -1.5% over the past month versus the Zacks S&P 500 composite's +2.1% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.Zacks' Research Chief Names "Stock Most Likely to Double"Our team of experts has just released the 5 stocks with the greatest probability of gaining +100% or more in the coming months. Of those 5, Director of Research Sheraz Mian highlights the one stock set to climb highest.This top pick is among the most innovative financial firms. With a fast-growing customer base (already 50+ million) and a diverse set of cutting edge solutions, this stock is poised for big gains. Of course, all our elite picks aren’t winners but this one could far surpass earlier Zacks’ Stocks Set to Double like Nano-X Imaging which shot up +129.6% in little more than 9 months.Free: See Our Top Stock And 4 Runners UpWant the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report The Travelers Companies, Inc. (TRV): Free Stock Analysis ReportTo read this article on Zacks.com click here.Zacks Investment ResearchWeiter zum vollständigen Artikel bei Zacks Weiter zum vollständigen Artikel bei Zacks