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Dec 31, 2022

Travelers Q4 2022 Earnings Report

Net income and core income decreased due to higher catastrophe losses, a lower underlying underwriting gain, and lower net investment income.

Key Takeaways

Travelers reported a decrease in net income and core income for Q4 2022, primarily due to higher catastrophe losses and lower net investment income, despite record net earned premiums and a strong underlying combined ratio.

Net income was $819 million, or $3.44 per diluted share.

Core income was $810 million, or $3.40 per diluted share.

Net written premiums increased by 10% to $8.829 billion.

The combined ratio increased to 94.5%, and the underlying combined ratio was 91.4%.

Total Revenue
$9.64B
Previous year: $9.01B
+6.9%
EPS
$3.4
Previous year: $5.2
-34.6%
Combined Ratio
94.5%
Previous year: 88%
+7.4%
Underlying Combined Ratio
91.4%
Previous year: 88.7%
+3.0%
Gross Profit
$9.64B
Previous year: $9.01B
+6.9%
Cash and Equivalents
$21.6B
Previous year: $761M
+2733.1%
Total Assets
$116B
Previous year: $120B
-3.9%

Travelers

Travelers

Forward Guidance

The company did not provide specific forward guidance in this earnings report.