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Mar 31, 2024

Travelers Q1 2024 Earnings Report

Reported excellent first quarter results with strong profitability and production across all segments, driven by record net earned premiums and an excellent combined ratio.

Key Takeaways

Travelers reported a strong first quarter in 2024, with net income of $1.123 billion and core income of $1.096 billion. The company saw growth in net written premiums across all segments and an improved combined ratio, driven by strong underlying results. The Board of Directors also declared a 5% increase in the regular quarterly cash dividend.

Net income reached $1.123 billion, with core income at $1.096 billion.

The combined ratio improved to 93.9%, and the underlying combined ratio was outstanding at 87.7%.

Net written premiums increased by 8% to $10.182 billion, with growth in all three segments.

Shareholders received $620 million in capital, including $388 million in share repurchases.

Total Revenue
$11.2B
Previous year: $9.7B
+15.7%
EPS
$4.69
Previous year: $4.11
+14.1%
Combined Ratio
93.9%
Previous year: 95.4%
-1.6%
Underlying Combined Ratio
87.7%
Previous year: 90.6%
-3.2%
Net Investment Income
$846M
Gross Profit
$11.2B
Previous year: $9.7B
+15.8%
Cash and Equivalents
$667M
Previous year: $767M
-13.0%
Free Cash Flow
$1.46B
Total Assets
$118B
Previous year: $118B
-0.5%

Travelers

Travelers

Travelers Revenue by Segment

Travelers Revenue by Geographic Location

Forward Guidance

The year is off to a terrific start with strong profitability and production in all three segments, as well as higher investment income.

Positive Outlook

  • Strong profitability in all three segments
  • Strong production in all three segments
  • Higher investment income
  • Success in executing innovation strategy
  • Superior returns with industry-low volatility

Revenue & Expenses

Visualization of income flow from segment revenue to net income