Overview
The Travelers Companies, Inc. Financial Statements FY2021-FY2026Q3
Travelers Companies' income statement and balance sheet, FY2021 through FY2026Q3, as a public, auditable plain-text Beancount ledger — reconstructed line by line from the company's own Form 10-K and 10-Q filings and version-controlled in… Ledger notes
Financial position
Net worth and the accounts that make it up
Money movement
Monthly income and spending by account category
Recent activity
Posting-aware activity from the journal
Income vs Expenses
Period data
| Period | Income | Expenses | Net Profit |
|---|---|---|---|
| 2026-09-30 | 12,412 MUSD | 10,495 MUSD | 1,917 MUSD |
Balance Sheet
Breakdown
| Account | Amount | Share of total |
|---|---|---|
| Assets:NonCurrent:ReinsuranceRecoverables | 9,566 MUSD | 6.73% |
| Assets:NonCurrent:Other | 10,740 MUSD | 7.56% |
| Assets:NonCurrent:LongTermInvestments | 5,015 MUSD | 3.53% |
| Assets:NonCurrent:Goodwill | 4,060 MUSD | 2.86% |
| Assets:NonCurrent:FixedMaturities | 89,372 MUSD | 62.9% |
| Assets:Current:ShortTermInvestments | 5,561 MUSD | 3.91% |
| Assets:Current:AccountsReceivable | 16,043 MUSD | 11.29% |
| Other | 1,732 MUSD | 1.22% |
Breakdown
| Account | Amount | Share of total |
|---|---|---|
| Liabilities:NonCurrent:Other | 7,744 MUSD | 6.85% |
| Liabilities:NonCurrent:LongTermDebt | 9,813 MUSD | 8.68% |
| Liabilities:NonCurrent:InsuranceReserves | 68,130 MUSD | 60.24% |
| Liabilities:Current:DeferredRevenue | 23,525 MUSD | 20.8% |
| Liabilities:Current:AccountsPayable | 3,882 MUSD | 3.43% |
Cash Flow
Loading account roles…
The Travelers Companies, Inc. (TRV) Financial Statements in Beancount — Open Ledger
Travelers Companies' income statement and balance sheet, FY2021 through FY2026Q3, as a public, auditable plain-text Beancount ledger — reconstructed line by line from the company's own Form 10-K and 10-Q filings and version-controlled in git. Part of the Open Ledger project on beancount.io.
Browse it live: beancount.io/ledger/open_ledger/travelers
Latest analysis: Travelers Q3 2026: The $9.18 Beat Built on Reserves, Rates, and a $50B Buyback Machine
Key Figures
| Period | Period end | Revenue | Net income |
|---|---|---|---|
| FY2021 | 2021-12-31 | 34,816 | 3,662 |
| FY2022 | 2022-12-31 | 36,884 | 2,842 |
| FY2023 | 2023-12-31 | 41,364 | 2,991 |
| FY2024 | 2024-12-31 | 46,423 | 4,999 |
| FY2025 | 2025-12-31 | 48,828 | 6,288 |
| FY2026Q3 | 2026-09-30 | 12,412 | 1,917 |
Amounts in MUSD (millions of US dollars), exactly as the ledger records them.
What's Inside
| Period | File | Source |
|---|---|---|
| FY2021 | FY2021/FY2021.bean | Form 10-K for the fiscal year ended December 31, 2021 |
| FY2022 | FY2022/FY2022.bean | Form 10-K for the fiscal year ended December 31, 2022 |
| FY2023 | FY2023/FY2023.bean | Form 10-K for the fiscal year ended December 31, 2023 |
| FY2024 | FY2024/FY2024.bean | Form 10-K for the fiscal year ended December 31, 2024 |
| FY2025 | FY2025/FY2025.bean | Form 10-K for the fiscal year ended December 31, 2025 |
| FY2026Q3 | FY2026/FY2026Q3.bean | Form 10-Q for the quarterly period ended September 30, 2026 |
Fiscal years end December 31. All figures sourced from The Travelers Companies, Inc. 10-K / 10-Q filings (SEC CIK 0000086312; NYSE: TRV). The filing presents an unclassified balance sheet; Current / NonCurrent here are the house hierarchy. As a property-casualty insurer, Travelers' balance sheet is dominated by its fixed-maturity investment portfolio on the asset side and by loss reserves plus unearned premiums on the liability side. FY2025 carries the Canadian businesses agreed for sale to Definity as held-for-sale; the sale closed in January 2026, so the pair is zero every other period.
Quick Start
uvx --from beancount bean-check main.bean
uvx --from beanquery bean-query main.bean \
"SELECT year, sum(position) WHERE account ~ '^Income:Revenue' GROUP BY year ORDER BY year"Zero output from bean-check means the ledger is internally consistent: every
income statement sums to zero and every balance-sheet snapshot reconciles to
the filed totals. The query prints revenue by calendar year; income is a
credit, so it shows as a negative number. Open main.bean in Fava
or import it into beancount.io to explore it visually.
Methodology
- Balance sheet —
pad/balancedirectives assert each period-end
figure against the filing named in that period file's source banner. - Income statement — one zero-sum transaction per period:
Income
negative (credit),Expensespositive (debit), with the arithmetic check in
a comment directly above it. - Unit —
MUSD;12,412 MUSDmeans 12,412 million US dollars. - Additional accounts —
Assets:Current:HeldForSale,
Assets:NonCurrent:FixedMaturities,Assets:NonCurrent:Investments,
Assets:NonCurrent:LongTermInvestments,
Assets:NonCurrent:ReinsuranceRecoverables,
Liabilities:Current:HeldForSale,Liabilities:NonCurrent:InsuranceReserves,
Equity:TreasuryShares,Expenses:PolicyAcquisitionCosts,
Expenses:Interest, opened beyond the standard chart (see each account's
openline inmain.bean). - Insurer mapping —
InsuranceReservesholds the claims and claim adjustment
expense reserves;DeferredRevenueholds the unearned premium reserves;
ReinsuranceRecoverablesholds reinsurance recoverables plus ceded unearned
premiums;PolicyAcquisitionCostsholds the amortization of deferred
acquisition costs;TreasurySharesholds treasury stock at cost as a
contra-equity debit. The filing's singleDebtcaption sits whole on
LongTermDebt, and itsCommon stockcaption (no separate APIC) on
CommonStockAndAPIC.
Analysis
Corrections
Found a figure that does not match the filing? Email
[email protected] with the period, the account
and the filing page. Corrections are committed with the source cited.
About Open Ledger
Open Ledger is a growing library of public-company financial statements
published as plain-text accounting at
beancount.io/ledger — git-versioned, diffable
across companies, and auditable against primary filings. Read the analysis
behind the numbers on the beancount.io blog.
Disclaimer
This ledger is an independent reconstruction of The Travelers Companies, Inc.'s publicly filed
financial statements, provided for educational and informational purposes
only. It is not investment, financial, legal, tax, or accounting advice, and
is not an offer or recommendation to buy or sell any security. Beancount.io is
not affiliated with, endorsed by, or sponsored by The Travelers Companies, Inc.; all trademarks
belong to their respective owners. Figures may contain errors, omissions, or
simplifications and may lag the latest filings — the company's own regulatory
filings are the authoritative source. Provided "as is" without warranty of any
kind; use at your own risk.