{"schema_version":"secwatch.filing_event.v1","accession":"0000086312-21-000041","form_type":"8-K","ticker":"TRV","cik":"0000086312","company_name":"TRAVELERS COMPANIES, INC.","filed_at":"2021-10-19T23:59:59+00:00","discovered_at":"2026-05-14T18:04:15.887673+00:00","generated_at":"2026-06-28T20:09:37.711490+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.85,"calibrated_materiality_score":0.85,"confidence":"high","headline":"Travelers Q3 net income $662M ($2.62/diluted) down 20% YoY; record net written premiums $8.32B up 7%","bullets":["Net income $662M ($2.62/diluted) vs $827M ($3.23) YoY; core income $655M ($2.60) vs $798M ($3.12).","Consolidated combined ratio 98.6% (up 3.7 pts) driven by catastrophe losses $501M pre-tax and unfavorable reserve development.","Record net written premiums $8.324B, up 7% YoY with growth in all three segments.","Book value per share $115.74, up 5% YoY; adjusted book value $104.77 up 10%.","Returned $821M to shareholders including $601M share repurchases; quarterly dividend $0.88."],"urls":{"canonical":"https://secwatch.observer/filing/0000086312-21-000041","json":"https://secwatch.observer/filing/0000086312-21-000041.json","markdown":"https://secwatch.observer/filing/0000086312-21-000041.md","text":"https://secwatch.observer/filing/0000086312-21-000041.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/86312/000008631221000041/0000086312-21-000041-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/86312/000008631221000041/trv-20211019.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-28T20:09:37.711490+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}