[GUEST ACCESS MODE: Data is scrambled or limited to provide examples. Make requests using your API key to unlock full data. Check https://lunarcrush.ai/auth for authentication information.]  LongYield [@LongYield](/creator/twitter/LongYield) on x 4471 followers Created: 2025-07-20 16:57:30 UTC $TRV The Travelers Companies, Inc. Earnings Call Key Highlights: (1/2) 💼 Strong Earnings and Profitability Core income for Q2 2025 reached $XXX billion, translating to $XXXX per diluted share, with a core ROE of 18.8%, and XXXX% on a trailing 12-month basis. Reported combined ratio improved nearly XX points year-over-year to 90.3%, driven by significantly lower catastrophe losses, stronger underlying underwriting results, and favorable prior-year reserve development. Underlying underwriting income rose XX% year-over-year to $XXX billion pretax, supported by a 3-point improvement in the underlying combined ratio to 84.7%. Adjusted book value per share increased over XX% year-over-year, supported by strong income and disciplined capital management. 📊 Segmental Underwriting Results Business Insurance posted an underlying combined ratio of XXXX% with X% net written premium growth and record new business of $XXX million, supported by strong Middle Market and Select performance. Bond & Specialty Insurance reported an underlying combined ratio of XXXX% and X% net written premium growth, with strong contributions from management liability and surety lines. Personal Insurance saw the most dramatic improvement, with an underlying combined ratio of 79.3%, up X points YoY, and a combined ratio of XXXX% supported by lower catastrophe losses and rate-driven margin recovery. 📈 Top-Line Growth Across Segments Consolidated net written premiums reached $XXXX billion, up across all segments: X% in Business Insurance, X% in Bond & Specialty, and X% in Personal Insurance. Middle Market Business Insurance net written premiums grew 10%, driven by nearly X% renewal premium change and XX% retention. Select business in Business Insurance achieved nearly XX% renewal premium change and strong new business growth from product innovations. Personal Insurance premium growth was led by a XXXX% renewal premium change in homeowners and increasing momentum in auto. 💸 Capital Management and Shareholder Returns Returned $XXX million to shareholders in Q2, including $XXX million in share repurchases and $XXX million in dividends. Total capital return capacity remains robust with $XXX billion authorized for future share repurchases. Operating cash flow reached $XXX billion in Q2, marking the 21st consecutive quarter with over $X billion in cash flow, totaling more than $XX billion over that period. Holding company liquidity stood at approximately $X billion, demonstrating sustained financial strength and flexibility. 🏢 Strategic Sale of Canadian Business Announced sale of most Canadian operations to Definity for $XXX billion (1.8x book value), excluding the surety business. Proceeds will fund approximately $XXX million in share repurchases in 2026; the transaction is expected to be slightly accretive to EPS. The divestiture reflects disciplined capital allocation and long-term value optimization in light of regulatory constraints and limited scalability in Canada. Management emphasized the transaction is not part of a broader international exit strategy and reaffirmed commitment to other global operations.  XXX engagements  **Related Topics** [losses](/topic/losses) [quarterly earnings](/topic/quarterly-earnings) [$trv](/topic/$trv) [travelers companies](/topic/travelers-companies) [stocks financial services](/topic/stocks-financial-services) [Post Link](https://x.com/LongYield/status/1946977781201444965)
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LongYield @LongYield on x 4471 followers
Created: 2025-07-20 16:57:30 UTC
$TRV The Travelers Companies, Inc. Earnings Call Key Highlights: (1/2)
💼 Strong Earnings and Profitability
Core income for Q2 2025 reached $XXX billion, translating to $XXXX per diluted share, with a core ROE of 18.8%, and XXXX% on a trailing 12-month basis.
Reported combined ratio improved nearly XX points year-over-year to 90.3%, driven by significantly lower catastrophe losses, stronger underlying underwriting results, and favorable prior-year reserve development.
Underlying underwriting income rose XX% year-over-year to $XXX billion pretax, supported by a 3-point improvement in the underlying combined ratio to 84.7%.
Adjusted book value per share increased over XX% year-over-year, supported by strong income and disciplined capital management.
📊 Segmental Underwriting Results
Business Insurance posted an underlying combined ratio of XXXX% with X% net written premium growth and record new business of $XXX million, supported by strong Middle Market and Select performance.
Bond & Specialty Insurance reported an underlying combined ratio of XXXX% and X% net written premium growth, with strong contributions from management liability and surety lines.
Personal Insurance saw the most dramatic improvement, with an underlying combined ratio of 79.3%, up X points YoY, and a combined ratio of XXXX% supported by lower catastrophe losses and rate-driven margin recovery.
📈 Top-Line Growth Across Segments
Consolidated net written premiums reached $XXXX billion, up across all segments: X% in Business Insurance, X% in Bond & Specialty, and X% in Personal Insurance.
Middle Market Business Insurance net written premiums grew 10%, driven by nearly X% renewal premium change and XX% retention.
Select business in Business Insurance achieved nearly XX% renewal premium change and strong new business growth from product innovations.
Personal Insurance premium growth was led by a XXXX% renewal premium change in homeowners and increasing momentum in auto.
💸 Capital Management and Shareholder Returns
Returned $XXX million to shareholders in Q2, including $XXX million in share repurchases and $XXX million in dividends.
Total capital return capacity remains robust with $XXX billion authorized for future share repurchases.
Operating cash flow reached $XXX billion in Q2, marking the 21st consecutive quarter with over $X billion in cash flow, totaling more than $XX billion over that period.
Holding company liquidity stood at approximately $X billion, demonstrating sustained financial strength and flexibility.
🏢 Strategic Sale of Canadian Business
Announced sale of most Canadian operations to Definity for $XXX billion (1.8x book value), excluding the surety business.
Proceeds will fund approximately $XXX million in share repurchases in 2026; the transaction is expected to be slightly accretive to EPS.
The divestiture reflects disciplined capital allocation and long-term value optimization in light of regulatory constraints and limited scalability in Canada.
Management emphasized the transaction is not part of a broader international exit strategy and reaffirmed commitment to other global operations.
XXX engagements
Related Topics losses quarterly earnings $trv travelers companies stocks financial services