---
schema_version: "secwatch.filing_event.v1"
accession: "0000086312-22-000064"
form_type: "8-K"
ticker: "TRV"
cik: "0000086312"
company_name: "TRAVELERS COMPANIES, INC."
filed_at: "2022-10-19T23:59:59+00:00"
generated_at: "2026-06-23T02:49:48.032708+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Travelers Q3 net income down 31% to $454M; record premiums up 10% despite Hurricane Ian

## Summary
- Q3 net income $454M ($1.89/diluted) vs $662M ($2.62) prior year; core income $526M ($2.20) down 20%.
- Combined ratio 98.2% (92.5% underlying); catastrophe losses $512M pre-tax from Hurricane Ian and other storms.
- Record net written premiums $9.198B (+10% YoY); Business Insurance +9%, Bond & Specialty +8%, Personal +13%.
- Net investment income $593M pre-tax, down 23% due to lower private equity returns.
- Book value per share $84.94 (-27% YoY); adjusted book value $111.90 (+7%); $722M returned to shareholders.

## SEC filing metadata
- accession: 0000086312-22-000064
- form_type: 8-K
- ticker: TRV
- cik: 0000086312
- company_name: TRAVELERS COMPANIES, INC.
- filed_at: 2022-10-19T23:59:59+00:00
- event_type: earnings
- sentiment: negative
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/86312/000008631222000064/0000086312-22-000064-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/86312/000008631222000064/trv-20221019.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000086312-22-000064
- JSON: https://secwatch.observer/filing/0000086312-22-000064.json
- Plain text: https://secwatch.observer/filing/0000086312-22-000064.txt

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