Travelers(US:TRV) ZACKSยท2025-10-13 15:10Core Insights - The Travelers Companies, Inc. (TRV) is anticipated to show improvements in both revenue and earnings for Q3 2025, with results expected to be reported on October 16 [1][2] Revenue and Earnings Estimates - The Zacks Consensus Estimate for TRV's Q3 revenues is $12.35 billion, reflecting a 4.2% increase from the previous year [1] - The consensus estimate for earnings is $5.56 per share, which has increased by 4.7% over the past 30 days, indicating a year-over-year growth of 6.1% [2] Earnings Prediction Model - The earnings prediction model suggests a likely earnings beat for Travelers, supported by a positive Earnings ESP of +4.92% and a Zacks Rank of 3 (Hold) [3][4] Segment Performance - All three segments are expected to contribute positively to TRV's Q3 results, with premiums projected to rise due to better pricing, strong retention, and exposure growth [5][9] - The Personal Insurance segment is estimated to generate $4.5 billion in premiums, a 6.7% increase from the previous year [7] - The Bond & Specialty Insurance segment is expected to see earned premiums of $1 billion, reflecting a 4.3% improvement [8] - The Business Insurance segment is projected to achieve $5.5 billion in earned premiums, a slight increase of 0.2% [10] Investment Income and Underwriting Results - Net investment income is estimated to be approximately $770 million for Q3 2025, with an expected increase of 12.1% to $1 billion [6][9] - Improved pricing and retention are anticipated to enhance underwriting profitability, with the combined ratio estimated at 98.4 [11] Expense Outlook - Total expenses are expected to rise by 5.9% to $10.9 billion due to higher claims and administrative costs [12]