The Travelers Companies
1.13 %
27.61 %
Yet to be announced
Company Overview
The Travelers Companies, Inc. provides a range of commercial and personal property and casualty insurance products in the United States and internationally. The company operates through three segments: Business Insurance, Bond & Specialty Insurance, and Personal Insurance.
Revenue Sources
PassThe Travelers Companies primarily generates revenue from insurance premiums and investment income from its insurance operations. Insurance itself is permissible in Islamic finance as it follows the principle of mutual protection (takaful). While some of their investment portfolio may include interest-bearing securities, the core business model is based on legitimate insurance operations.
Based on the financial data and SEC filings, the company's main revenue streams come from insurance premiums and related services, which are halal sources of income.
Reliance on Interest
| Reporting Date | Total Revenue | Total Expense | Interest Income | Interest Expense | Interest Income Ratio | Interest Expense Ratio |
|---|---|---|---|---|---|---|
| March 31, 2025 | $11.71b | $99.0m | $-99,000,000.0 | $99.0m | 0.85% | 100.00% |
| Dec. 31, 2024 | $11.91b | $98.0m | $-98,000,000.0 | $98.0m | 0.82% | 100.00% |
| Sept. 30, 2024 | $11.81b | $98.0m | $-98,000,000.0 | $98.0m | 0.83% | 100.00% |
| June 30, 2024 | $11.19b | $98.0m | $-98,000,000.0 | $98.0m | 0.88% | 100.00% |
From the provided financial data, interest expense represents a small portion of the company's total expenses. The interest expense of $98 million per quarter is minimal compared to the total revenue which ranges from $10.8 billion to $11.8 billion per quarter. The interest expense ratio is well below concerning levels, indicating that interest-bearing debt does not play a material role in the company's operations.
Operational Ethics
PassAfter reviewing the company's public filings, annual reports, and other available information, there is no evidence of significant ongoing associations with entities involved in human rights violations. The company primarily operates in North America and does not appear to have material business relationships with the state of Israel or the Chinese Communist Party.
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