---
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"
generated_at: "2026-06-28T20:09:37.711490+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.85
calibrated_materiality_score: 0.85
confidence: "high"
source: SEC EDGAR
---

# Travelers Q3 net income $662M ($2.62/diluted) down 20% YoY; record net written premiums $8.32B up 7%

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: negative
- 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/86312/000008631221000041/0000086312-21-000041-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/86312/000008631221000041/trv-20211019.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000086312-21-000041
- JSON: https://secwatch.observer/filing/0000086312-21-000041.json
- Plain text: https://secwatch.observer/filing/0000086312-21-000041.txt

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