---
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"
generated_at: "2026-06-20T11:20:32.446609+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# Travelers Q4 net income $819M ($3.44/diluted), core income $810M; combined ratio 94.5%

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000086312-23-000005
- JSON: https://secwatch.observer/filing/0000086312-23-000005.json
- Plain text: https://secwatch.observer/filing/0000086312-23-000005.txt

## Key facts
- Earnings Releases
  TRAVELERS COMPANIES, INC. reported twelve months ended December 31, 2022 results: net income $2.842 billion, EPS $11.77 per diluted share.
  - Period: twelve months ended December 31, 2022
  - Net income: $2.842 billion
  - EPS: $11.77 per diluted share
  - Result: reported results
  source text: 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_url: https://www.sec.gov/Archives/edgar/data/86312/000008631223000005/0000086312-23-000005-index.htm
- Earnings Releases
  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.
  - Period: the quarter ended December 31, 2022
  - Net income: $819 million, or $3.44 per diluted share
  - EPS: $3.44 per diluted share
  - Result: reported results
  source text: 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_url: https://www.sec.gov/Archives/edgar/data/86312/000008631223000005/0000086312-23-000005-index.htm

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