---
schema_version: "secwatch.filing_event.v1"
accession: "0000086312-25-000004"
form_type: "8-K"
ticker: "TRV"
cik: "0000086312"
company_name: "TRAVELERS COMPANIES, INC."
filed_at: "2025-01-22T23:59:59+00:00"
generated_at: "2026-05-27T21:39:17.368172+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# Travelers Q4 net income $2.08B, EPS $8.96 up 28%; core EPS $9.15 up 31%

## Summary
- Q4 net income $2.082B ($8.96 diluted EPS), up 28% vs $1.626B ($6.99) year ago; core income $2.126B ($9.15), up 31%.
- Consolidated combined ratio improved 2.6 pts to 83.2%; underlying combined ratio improved 1.9 pts to 84.0%.
- Net written premiums $10.742B, up 7%; full year record $43.356B, up 8% with growth in all three segments.
- Net investment income pre-tax $955M, up 23%; book value per share $122.97, up 13% vs year-end 2023.
- Repurchased 1.0M shares at avg $255.41 in Q4; regular quarterly dividend $1.05/share declared.

## SEC filing metadata
- accession: 0000086312-25-000004
- form_type: 8-K
- ticker: TRV
- cik: 0000086312
- company_name: TRAVELERS COMPANIES, INC.
- filed_at: 2025-01-22T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- 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/86312/000008631225000004/0000086312-25-000004-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/86312/000008631225000004/trv-20250122.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000086312-25-000004
- JSON: https://secwatch.observer/filing/0000086312-25-000004.json
- Plain text: https://secwatch.observer/filing/0000086312-25-000004.txt

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