---
schema_version: "secwatch.filing_event.v1"
accession: "0000086312-21-000033"
form_type: "8-K"
ticker: "TRV"
cik: "0000086312"
company_name: "TRAVELERS COMPANIES, INC."
filed_at: "2021-07-20T23:59:59+00:00"
generated_at: "2026-06-30T04:19:46.160558+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.85
calibrated_materiality_score: 0.85
confidence: "high"
source: SEC EDGAR
---

# Travelers Q2 net income $934M ($3.66 EPS) vs loss $40M; core EPS $3.45

## Summary
- Net income of $934M ($3.66 diluted EPS) vs net loss of $40M in prior year quarter; core income $879M ($3.45 diluted EPS).
- Consolidated combined ratio 95.3% (improved 8.4 pts); underlying combined ratio 91.4% (flat). Catastrophe losses $475M pre-tax vs $854M prior year.
- Net written premiums $8.135B, up 11% (8% adj for auto refunds); growth in all three segments.
- Book value per share $116.86, up 10% YoY; adjusted book value $103.88, up 13% YoY. Board declared $0.88 dividend, payable Sept 30.
- Net investment income $818M pre-tax vs $268M prior year, driven by strong non-fixed income returns.

## SEC filing metadata
- accession: 0000086312-21-000033
- form_type: 8-K
- ticker: TRV
- cik: 0000086312
- company_name: TRAVELERS COMPANIES, INC.
- filed_at: 2021-07-20T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.85
- calibrated_materiality_score: 0.85
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/86312/000008631221000033/0000086312-21-000033-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/86312/000008631221000033/trv-20210720.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000086312-21-000033
- JSON: https://secwatch.observer/filing/0000086312-21-000033.json
- Plain text: https://secwatch.observer/filing/0000086312-21-000033.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.