{"schema_version":"secwatch.filing_event.v1","accession":"0000086312-23-000005","form_type":"8-K","ticker":"TRV","cik":"0000086312","company_name":"TRAVELERS COMPANIES, INC.","filed_at":"2023-01-24T23:59:59+00:00","discovered_at":"2026-05-14T18:03:48.305213+00:00","generated_at":"2026-06-20T11:20:32.446609+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"Travelers Q4 net income $819M ($3.44/diluted), core income $810M; combined ratio 94.5%","bullets":["Net income $819M vs $1.333B YoY; core income $810M vs $1.289B; diluted EPS $3.44 vs $5.37.","Net written premiums $8.829B, up 10% YoY; full year record $35.414B, up 11%.","Combined ratio 94.5% (+6.5 pts); underlying combined ratio 91.4% (+2.7 pts); catastrophe losses $459M pre-tax.","Business Insurance underlying combined ratio improved to 89.5%; Personal Insurance segment loss $61M vs income $327M.","Board declared $0.93 dividend payable Mar 31, 2023; $501M share repurchases in Q4; total capital returned $2.941B in 2022."],"urls":{"canonical":"https://secwatch.observer/filing/0000086312-23-000005","json":"https://secwatch.observer/filing/0000086312-23-000005.json","markdown":"https://secwatch.observer/filing/0000086312-23-000005.md","text":"https://secwatch.observer/filing/0000086312-23-000005.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/86312/000008631223000005/0000086312-23-000005-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/86312/000008631223000005/trv-20230124.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-20T11:20:32.446609+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":[{"claim_id":"427f5e03c152be57acf0584addefce208ec25328","claim":"TRAVELERS COMPANIES, INC. reported twelve months ended December 31, 2022 results: net income $2.842 billion, EPS $11.77 per diluted share.","evidence_excerpt":"17-2630 www.travelers.com NYSE: TRV Travelers Reports Fourth Quarter 2022 Net Income per Diluted Share of $3.44 and Return on Equity of 15.8% Fourth Quarter 2022 Core Income per Diluted Share of $3.40 and Core Return on Equity of 12.3% Full Year Net Income of $2.842 billion and Return on Equity of 12.2% Full Year Core Income of $2.998 billion and Core Return on Equity of 11.3% • Fourth quarter net income of $819 million and core income of $810 million.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/86312/000008631223000005/0000086312-23-000005-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"twelve months ended December 31, 2022"},{"label":"Net income","value":"$2.842 billion"},{"label":"EPS","value":"$11.77 per diluted share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"},{"claim_id":"9834e68019518d764bfb2ff3be061539d507860f","claim":"TRAVELERS COMPANIES, INC. reported the quarter ended December 31, 2022 results: net income $819 million, or $3.44 per diluted share, EPS $3.44 per diluted share.","evidence_excerpt":"The Travelers Companies, Inc. today reported net income of $819 million, or $3.44 per diluted share, for the quarter ended December 31, 2022","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/86312/000008631223000005/0000086312-23-000005-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the quarter ended December 31, 2022"},{"label":"Net income","value":"$819 million, or $3.44 per diluted share"},{"label":"EPS","value":"$3.44 per diluted share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}