---
schema_version: "secwatch.filing_event.v1"
accession: "0000086312-22-000004"
form_type: "8-K"
ticker: "TRV"
cik: "0000086312"
company_name: "TRAVELERS COMPANIES, INC."
filed_at: "2022-01-20T23:59:59+00:00"
generated_at: "2026-06-27T17:02:21.337082+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.85
calibrated_materiality_score: 0.85
confidence: "high"
source: SEC EDGAR
---

# Travelers Q4 record net income $1.33B ($5.37 EPS); core EPS $5.20, NWP +10%

## Summary
- Q4 net income $1.333B ($5.37 diluted EPS) vs $1.310B ($5.10) YoY; core income $1.289B ($5.20) vs $1.262B ($4.91).
- Consolidated combined ratio 88.0% (underlying 88.7%); net written premiums $7.995B, up 10% YoY.
- Full year net income $3.662B (+36% YoY); core income $3.522B (+31%); core ROE 13.7%.
- Business Insurance segment income $867M (+22%); Bond & Specialty $170M (+4%); Personal Insurance $327M (-28%).
- Board declares $0.88 quarterly dividend (payable March 31, 2022); $801M share repurchases in Q4.

## SEC filing metadata
- accession: 0000086312-22-000004
- form_type: 8-K
- ticker: TRV
- cik: 0000086312
- company_name: TRAVELERS COMPANIES, INC.
- filed_at: 2022-01-20T23:59:59+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/86312/000008631222000004/0000086312-22-000004-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/86312/000008631222000004/trv-20220120.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000086312-22-000004
- JSON: https://secwatch.observer/filing/0000086312-22-000004.json
- Plain text: https://secwatch.observer/filing/0000086312-22-000004.txt

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