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The Travelers has the Financial Strength Rank of 5.
GuruFocus Financial Strength Rank measures how strong a company's financial situation is. It is based on these factors:
1. The debt burden that the company has as measured by its Interest Coverage (current year). The higher, the better.The Travelers's Interest Coverage for the quarter that ended in Mar. 2024 was 14.98. The Travelers's debt to revenue ratio for the quarter that ended in Mar. 2024 was 0.18. Altman Z-Score does not apply to banks and insurance companies.
GuruFocus Financial Strength Rank measures how strong a company's financial situation is. It is based on these factors
A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.
1. The debt burden that the company has as measured by its Interest Coverage (current year). The higher, the better.
Note: If both Interest Expense and Interest Income are empty, while Net Interest Income is negative, then use Net Interest Income as Interest Expense.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:
The Travelers's Interest Expense for the months ended in Mar. 2024 was $-98 Mil. Its Operating Income for the months ended in Mar. 2024 was $0 Mil. And its Long-Term Debt & Capital Lease Obligation for the quarter that ended in Mar. 2024 was $7,932 Mil.
The Travelers's Interest Coverage for the quarter that ended in Mar. 2024 is
The higher the ratio, the stronger the company's financial strength is.
2. Debt to revenue ratio. The lower, the better.
The Travelers's Debt to Revenue Ratio for the quarter that ended in Mar. 2024 is
Debt to Revenue Ratio | = | Total Debt (Q: Mar. 2024 ) | / | Revenue | ||
= | (Short-Term Debt & Capital Lease Obligation | + | Long-Term Debt & Capital Lease Obligation) | / | Revenue | |
= | (100 | + | 7932) | / | 44912 | |
= | 0.18 |
3. Altman Z-Score.
Z-Score model is an accurate forecaster of failure up to two years prior to distress. It can be considered the assessment of the distress of industrial corporations.
The zones of discrimination were as such:
When Z-Score is less than 1.81, it is in Distress Zones.
When Z-Score is greater than 2.99, it is in Safe Zones.
When Z-Score is between 1.81 and 2.99, it is in Grey Zones.
Altman Z-Score does not apply to banks and insurance companies.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
The Travelers (NYSE:TRV) Financial Strength Explanation
The maximum rank is 10. Companies with rank 7 or higher will be unlikely to fall into distressed situations. Companies with rank of 3 or less are likely in financial distress.
The Travelers has the Financial Strength Rank of 5.
Thank you for viewing the detailed overview of The Travelers's Financial Strength provided by GuruFocus.com. Please click on the following links to see related term pages.
Maria Olivo | officer: Executive Vice President | THE TRAVELERS COMPANIES, INC., 485 LEXINGTON AVENUE, NEW YORK NY 10017 |
William H Heyman | officer: Vice Chairman & CIO | THE TRAVELERS COMPANIES INC, 385 WASHINGTON STREET, ST PAUL MN 55102 |
Andy F Bessette | officer: EVP and Chief Admin Officer | THE TRAVELERS COMPANIES, INC., 385 WASHINGTON STREET, ST. PAUL MN 55102 |
Michael Frederick Klein | officer: EVP & President, Personal Ins. | 385 WASHINGTON STREET, ST. PAUL MN 55102 |
Paul E. Munson | officer: SVP & Corp. Controller | 385 WASHINGTON STREET, ST. PAUL MN 55102 |
Russell G. Golden | director | 385 WASHINGTON STREET, ST. PAUL MN 55102 |
David Donnay Rowland | officer: EVP & Co-Chief Invest. Officer | 385 WASHINGTON STREET, ST. PAUL MN 55102 |
Avrohom J. Kess | officer: Vice Chmn & Chief Legal Off | 385 WASHINGTON STREET, ST. PAUL MN 55102 |
Daniel S. Frey | officer: Chief Financial Officer | 385 WASHINGTON STREET, ST. PAUL MN 55102 |
Jeffrey P. Klenk | officer: EVP & Pres., Bond & Spec. Ins. | 385 WASHINGTON STREET, ST. PAUL MN 55102 |
Gregory C Toczydlowski | officer: EVP & President, Business Ins. | 385 WASHINGTON STREET, ST. PAUL MN 55102 |
Diane Kurtzman | officer: EVP & Chief HR Officer | 385 WASHINGTON STREET, ST. PAUL MN 55102 |
Alan D Schnitzer | officer: Vice Chairman | 385 WASHINGTON STREET, ST. PAUL MN 55102 |
Daniel Tei-hwa Yin | officer: EVP & Co-Chief Invest. Officer | 385 WASHINGTON STREET, ST. PAUL MN 55102 |
Douglas K Russel | officer: Controller | THE TRAVELERS COMPANIES INC, ONE TOWER SQ, HARTFORD CT 06183 |
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