Travelers (TRV) Q3 Earnings: Taking a Look at Key Metrics Versus Estimates

Travelers (TRV) reported $12.44 billion in revenue for the quarter ended September 2025, representing a year-over-year increase of 5%. EPS of $8.14 for the same period compares to $5.24 a year ago.The reported revenue compares to the Zacks Consensus Estimate of $12.35 billion, representing a surprise of +0.74%. The company delivered an EPS surprise of +35.44%, with the consensus EPS estimate being $6.01.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.As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.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: 28.6% compared to the 28.9% average estimate based on eight analysts.Loss and loss adjustment expense ratio - Consolidated: 58.7% versus 64.7% estimated by eight analysts on average.Combined Ratio - Consolidated: 87.3% versus 93.3% estimated by eight analysts on average.Underwriting Expense Ratio - Business Insurance: 29.6% versus the seven-analyst average estimate of 29.8%.Total Revenues- Net investment income: $1.03 billion versus $981.4 million estimated by nine analysts on average. Compared to the year-ago quarter, this number represents a +14.3% change.Total Revenues- Premiums: $11.14 billion compared to the $11.14 billion average estimate based on nine analysts. The reported number represents a change of +4% year over year.Total Revenues- Other Revenues: $148 million compared to the $116.39 million average estimate based on nine analysts. The reported number represents a change of +23.3% year over year.Total Revenues- Fee income: $127 million versus $123.68 million estimated by nine analysts on average. Compared to the year-ago quarter, this number represents a +5% change.Revenues- Premiums- Personal Insurance: $4.39 billion versus $4.42 billion estimated by seven analysts on average. Compared to the year-ago quarter, this number represents a -0.6% change.Revenues- Premiums- Bond & Specialty Insurance: $1.04 billion versus $1.06 billion estimated by seven analysts on average. Compared to the year-ago quarter, this number represents a +3.3% change.Revenues- Premiums- Business Insurance: $5.7 billion compared to the $5.65 billion average estimate based on seven analysts. The reported number represents a change of +4.1% year over year.Revenues- Net investment income- Bond & Specialty Insurance: $116 million versus the six-analyst average estimate of $113.33 million. The reported number represents a year-over-year change of +14.9%.View all Key Company Metrics for Travelers here>>>Shares of Travelers have returned -2% over the past month versus the Zacks S&P 500 composite's +0.9% change. The stock currently has a Zacks Rank #2 (Buy), indicating that it could outperform the broader market in the near term.Free Report: Profiting from the 2nd Wave of AI ExplosionThe next phase of the AI explosion is poised to create significant wealth for investors, especially those who get in early. It will add literally trillion of dollars to the economy and revolutionize nearly every part of our lives.Investors who bought shares like Nvidia at the right time have had a shot at huge gains.But the rocket ride in the "first wave" of AI stocks may soon come to an end. The sharp upward trajectory of these stocks will begin to level off, leaving exponential growth to a new wave of cutting-edge companies.Zacks' AI Boom 2.0: The Second Wave report reveals 4 under-the-radar companies that may soon be shining stars of AI’s next leap forward.Access AI Boom 2.0 now, absolutely free >>Want 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 ReportThis article originally published on Zacks Investment Research (zacks.com).Zacks Investment ResearchWeiter zum vollständigen Artikel bei Zacks Weiter zum vollständigen Artikel bei Zacks