COMP <GO>
TRV vs JPM // ALTMAN Z-SCORE & DEBT/EQUITY
The Travelers Companies Inc. (NYSE) VS. JPMorgan Chase & Co. (NYSE) • 15-METRIC TALLY: TRV 5
— JPM 9
▲ ALTMAN Z-SCORE & DEBT/EQUITY LEADER: TRV
LAST: $396.22 (-0.51%) • MKT CAP: $81.62B
balance-sheet
1.65
LAST: $337.04 (-1.90%) • MKT CAP: $895.92B
balance-sheet
0.37
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (TRV VS. JPM)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | TRV | JPM | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | 41.00% | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 9.70% | 17.37% | -7.67 | JPM | /roic <GO> |
| EV/EBITDA & P/E Valuation | 11.6x | 9.7x | +1.93 | JPM | /valuation <GO> |
| Free Cash Flow Yield | 10.30% | -18.14% | +28.44 | TRV | /fcf-yield <GO> |
| Operating Margin | 15.70% | 42.07% | -26.37 | JPM | /operating-margins <GO> |
| Net Profit Margin | 12.90% | 32.63% | -19.73 | JPM | /net-margins <GO> |
| Revenue Growth (YoY) | 5.20% | 13.53% | -8.33 | JPM | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 1.20% | 1.96% | -0.76 | JPM | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity ACTIVE | 1.65 | 0.37 | +1.28 | TRV | /balance-sheet <GO> |
| Piotroski F-Score Quality | 8/9 | 2/9 | +6.00 | TRV | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | 6.50% | 4.84% | +1.66 | JPM | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 62.1 | 49.0 | +13.01 | TRV | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | 0.88 | 1.00 | -0.12 | JPM | /macro-sensitivity <GO> |
| Forward P/E Multiple | 12.1x | 13.6x | -1.47 | TRV | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $81.62B | $895.92B | -$814.29B | JPM | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | TRV REV | JPM REV | TRV GROSS % | JPM GROSS % | TRV FCF | JPM FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $48.83B | $182.45B | 44.0% | — | $8.41B | -$147.78B |
| FY 2024 | $46.42B | $177.56B | 44.0% | — | $6.98B | -$42.01B |
| FY 2023 | $41.36B | $158.10B | 44.0% | — | $5.85B | $12.97B |
| FY 2022 | — | $128.69B | — | — | — | $107.12B |
| FY 2021 | — | $121.65B | — | — | — | $78.08B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
TRV // BETA 0.88
JPM // BETA 1.00