Discounted Cash Flow
Travelers Companies, Inc.
—
—
Average annual growth rates
| Metric | 10-Year | 5-Year | 3-Year |
|---|---|---|---|
| Sales | — | — | — |
| Free Cash Flow | — | — | — |
| Average (FCF & NI) | — | — | — |
| Net Income | — | — | — |
Endpoint CAGR (better for long term trend)
| Metric | 10-Year | 5-Year | 3-Year |
|---|---|---|---|
| Sales | — | — | — |
| Free Cash Flow | — | — | — |
| Average (FCF & NI) | — | — | — |
| Net Income | — | — | — |
Projected growth rate
—
—
%
%
Historical inputs (10 fiscal years)
| YEAR | Sales | Net Income | Free Cash Flow | Net Margin | EPS (diluted) |
|---|---|---|---|---|---|
| 2016 | $27.6b | $3.0b | $4.2b | 10.9% | $10.39 |
| 2017 | $28.9b (4.6%) | $2.1b (-31.8%) | $3.8b (-10.5%) | 7.1% (-34.8%) | $7.39 (-28.9%) |
| 2018 | $30.3b (4.8%) | $2.5b (22.7%) | $4.4b (16.4%) | 8.3% (17.1%) | $9.37 (26.8%) |
| 2019 | $31.6b (4.3%) | $2.6b (3.9%) | $5.2b (18.8%) | 8.3% (-0.4%) | $10.01 (6.8%) |
| 2020 | $32.0b (1.3%) | $2.7b (2.9%) | $6.5b (25.2%) | 8.4% (1.6%) | $10.56 (5.5%) |
| 2021 | $34.8b (8.9%) | $3.7b (35.8%) | $7.3b (11.6%) | 10.5% (24.7%) | $14.63 (38.5%) |
| 2022 | $36.9b (5.9%) | $2.8b (-22.4%) | $6.5b (-11.1%) | 7.7% (-26.7%) | $11.91 (-18.6%) |
| 2023 | $41.4b (12.1%) | $3.0b (5.2%) | $7.7b (19.3%) | 7.2% (-6.2%) | $12.93 (8.6%) |
| 2024 | $46.4b (12.2%) | $5.0b (67.1%) | $9.1b (17.7%) | 10.8% (48.9%) | $21.76 (68.3%) |
| 2025 | $48.8b (5.2%) | $6.3b (25.8%) | $10.6b (16.9%) | 12.9% (19.6%) | $27.83 (27.9%) |
Base FCF: — (latest fiscal year)
Discount rate: % —
Terminal growth: —
Projection period: — years
Alt A decline yrs:
Alt B total yrs:
Values abbreviated: b = billions, m = millions, k = thousands.
Projected cash flows
| Year | Projected cash flow | Discount Factor | Present Value |
|---|
PV of projected FCF: —
Terminal FCF: —
Terminal value: —
PV of terminal value: —
Enterprise value (DCF): —
Current price: —
—Alternative DCF Models
| Model | Fair Value | Upside | PV(FCFs) | PV(Terminal) | Total Years |
|---|---|---|---|---|---|
| Standard (10yr→TV) | — | — | — | — | 10 + TV |
| Alt A (Gradual Decline) | — | — | — | — | — |
| Alt B (30yr Hard Stop) | — | — | — | N/A | — |
This is a simplified DCF model for illustration. It uses reported free cash flow, a single growth assumption, fixed WACC, and a Gordon Growth terminal value. It is not investment advice.