{
 "schema": "theclaudetrader.research_packet.v1",
 "generated_at": "2026-10-26T05:12:31+00:00",
 "snapshot_date": "2026-10-26",
 "about": {
  "site": "The Claude Trader",
  "what_this_is": "Evidence-first research record built from SEC XBRL, SEC Form 4 and exchange prices. Deterministic rule scores with every input linked to its source. No recommendations. fair_value_model is a labelled model estimate from SEC filings, not a price target or recommendation (method: /fair-value).",
  "publishes": "Facts and their provenance only; no holdings, targets, estimates or recommendations.",
  "how_to_answer": [
   "State the snapshot date and each score's data_as_of.",
   "Quote scores with their status: ok = complete; partial / insufficient = a test was excluded because an input was absent or older than 550 days. Repeat each warning beside the number it affects; a 'stale' warning means the input was used but is older than 120 days (price: 7 days).",
   "Cite the source URL for any number you repeat.",
   "Say what is missing; never present holdings or targets as this site's (it has none).",
   "If asked for a shortlist or portfolio: build it from the user's horizon, risk, benchmark, exclusions and limits; cite inputs, explain inclusion and thesis risks; label weights as your synthesis, distinct from these deterministic scores; no promised outperformance or invented expected returns."
  ]
 },
 "company": {
  "ticker": "TRV",
  "name": "Travelers Companies, Inc.",
  "legal_name": "TRAVELERS COMPANIES, INC.",
  "cik": "0000086312",
  "exchange": "NYSE",
  "industry": "Fire, Marine & Casualty Insurance",
  "sic": "6331",
  "fiscal_year_end": "1231",
  "is_financial": true,
  "is_utility": false
 },
 "price": {
  "value": 398.28,
  "as_of": "2026-10-23",
  "source": "Alpaca Market Data (consolidated SIP daily bar)",
  "url": "https://docs.alpaca.markets/docs/historical-stock-data-1"
 },
 "market_cap": {
  "value": 81626031083.15999,
  "as_of": "2026-10-23",
  "unit": "USD",
  "meaning": "price on the price date x latest reported point-in-time shares (see inputs.share_count_as_of)",
  "warning": null,
  "unavailable_reason": null,
  "inputs": {
   "traded_price": {
    "value": 398.28,
    "as_of": "2026-10-23",
    "unit": "USD per traded unit (share or ADS)",
    "source": "Alpaca Market Data (consolidated SIP daily bar)",
    "url": "https://docs.alpaca.markets/docs/historical-stock-data-1"
   },
   "sec_shares_outstanding": {
    "value": 204946347.0,
    "unit": "underlying shares",
    "concept": "SEC cover page 10-Q 0000086312-26-000181 (204,946,347 shares (single class on cover)); filing document https://www.sec.gov/Archives/edgar/data/86312/000008631226000181/trv-20260930.htm",
    "period_end": "2026-10-09",
    "accession": "0000086312-26-000181",
    "url": "https://www.sec.gov/Archives/edgar/data/86312/000008631226000181/R1.htm"
   },
   "depositary_ratio": {
    "value": 1.0,
    "unit": "underlying shares per traded unit",
    "status": "domestic",
    "source": "10-K filer; SEC shares are the traded units",
    "evidence_url": null,
    "evidence_form": null,
    "evidence_filed": null,
    "body_snippet": null
   },
   "formula": "market_value = traded_price (price date) / depositary_ratio x latest point-in-time SEC shares outstanding (share-count date shown; from the filing cover page, summed across share classes only where the issuer filing verifies the classes are economically equivalent (rule + evidence URL in the source text), else withheld; priced at the primary listed class, so where other classes trade at a different price the value is an approximation; restated only for issuer-verified splits after the count date); weighted-average share counts are never used",
   "split_adjustment": null,
   "share_count_as_of": "2026-10-09",
   "share_count_age_days_at_price_date": 14,
   "warning": null,
   "computed": "398.28 (price 2026-10-23) / 1 x 204,946,347 (shares at 2026-10-09) = 81,626,031,083"
  }
 },
 "scores": {
  "graham": {
   "score": null,
   "status": "not scored (financial)",
   "summary": "Not scored: not scored (financial).",
   "warnings": [],
   "components": []
  },
  "magic_formula": {
   "score": null,
   "status": "not scored",
   "summary": "Not scored: not scored.",
   "warnings": [],
   "components": []
  },
  "momentum": {
   "score": 86.4,
   "status": "ok",
   "complete": true,
   "passes_all": null,
   "summary": "Momentum: 86 of 100 (ok). 12-1 month return: 36.0 % \u2192 40.8/50; 6 month return: 30.6 % \u2192 17.6/20; Price / 52-week high: 0.982 \u2192 14.7/15; Volatility penalty (60d annualised): 18.4 % \u2192 13.3/15",
   "data_as_of": "2026-10-23",
   "history": [
    null,
    null
   ],
   "price_as_of": "2026-10-23",
   "coverage": null,
   "verification": null,
   "warnings": [],
   "components": [
    {
     "name": "12-1 month return",
     "value": 36.0,
     "unit": "%",
     "percentile": 81.7,
     "points": 40.8,
     "max": 50
    },
    {
     "name": "6 month return",
     "value": 30.6,
     "unit": "%",
     "percentile": 87.9,
     "points": 17.6,
     "max": 20
    },
    {
     "name": "Price / 52-week high",
     "value": 0.982,
     "points": 14.7,
     "max": 15
    },
    {
     "name": "Volatility penalty (60d annualised)",
     "value": 18.4,
     "unit": "%",
     "points": 13.3,
     "max": 15
    }
   ],
   "rules_url": "https://theclaudetrader.com/p/momentum"
  },
  "insider": {
   "score": 0.0,
   "status": "ok",
   "complete": true,
   "passes_all": null,
   "summary": "Insider: 0 of 100 (ok). Open-market buy value / market cap (percentile among buyers): 0.0 bp \u2192 0.0/35; Distinct buyers: 0 \u2192 0.0/25; Buyer seniority: 0.0 \u2192 0.0/20; Recency (half-life 30d): 0.0 \u2192 0.0/10; Sales penalty (excludes 10b5-1 plan sales): 8.11 bp \u2192 -9.4/0",
   "data_as_of": "2026-10-23",
   "history": [
    null,
    null
   ],
   "price_as_of": null,
   "coverage": {
    "window_start": "2026-07-28",
    "through": "2026-10-23",
    "missing_days": 3,
    "note": "Form 4 data loaded through 2026-10-23"
   },
   "verification": null,
   "warnings": [],
   "components": [
    {
     "name": "Open-market buy value / market cap (percentile among buyers)",
     "value": 0.0,
     "unit": "bp",
     "points": 0.0,
     "max": 35
    },
    {
     "name": "Distinct buyers",
     "value": 0,
     "points": 0.0,
     "max": 25
    },
    {
     "name": "Buyer seniority",
     "value": 0.0,
     "points": 0.0,
     "max": 20
    },
    {
     "name": "Recency (half-life 30d)",
     "value": 0.0,
     "points": 0.0,
     "max": 10
    },
    {
     "name": "Sales penalty (excludes 10b5-1 plan sales)",
     "value": 8.11,
     "unit": "bp",
     "points": -9.4,
     "max": 0
    }
   ],
   "rules_url": "https://theclaudetrader.com/p/insider"
  },
  "buffett": {
   "score": null,
   "status": "not scored (financial)",
   "summary": "Not scored: not scored (financial).",
   "warnings": [],
   "components": []
  },
  "lynch": {
   "score": null,
   "status": "not scored (financial)",
   "summary": "Not scored: not scored (financial).",
   "warnings": [],
   "components": []
  },
  "graham_enterprising": {
   "score": null,
   "status": "not scored (financial)",
   "summary": "Not scored: not scored (financial).",
   "warnings": [],
   "components": []
  },
  "piotroski": {
   "score": null,
   "status": "not scored (financial)",
   "summary": "Not scored: not scored (financial).",
   "warnings": [],
   "components": []
  }
 },
 "inputs_by_philosophy": {
  "graham": [],
  "magic_formula": [],
  "momentum": [
   {
    "name": "Adjusted close series (14 months)",
    "value": 398.28,
    "kind": "price",
    "source": "Yahoo Finance / Alpaca Market Data daily history",
    "url": null,
    "period": "2026-10-23",
    "age_days": 3,
    "stale": false
   }
  ],
  "insider": [
   {
    "name": "Form 4 S Toczydlowski Gregory C 2026-10-22",
    "value": 849307.41,
    "shares": 2100.0,
    "price": 404.4321,
    "role": "Pres",
    "period": "2026-10-22",
    "source": "SEC Form 4 (insider transactions data set)",
    "url": "https://www.sec.gov/Archives/edgar/data/86312/000008631226000189/#live"
   },
   {
    "name": "Form 4 S Toczydlowski Gregory C 2026-10-22",
    "value": 13194480.656100001,
    "shares": 32671.0,
    "price": 403.8591,
    "role": "Pres",
    "period": "2026-10-22",
    "source": "SEC Form 4 (insider transactions data set)",
    "url": "https://www.sec.gov/Archives/edgar/data/86312/000008631226000189/#live"
   },
   {
    "name": "Form 4 S Rowland David Donnay 2026-10-22",
    "value": 2028103.0000000002,
    "shares": 5000.0,
    "price": 405.6206,
    "role": "officer",
    "period": "2026-10-22",
    "source": "SEC Form 4 (insider transactions data set)",
    "url": "https://www.sec.gov/Archives/edgar/data/86312/000008631226000187/#live"
   },
   {
    "name": "Form 4 S Klenk Jeffrey P. 2026-10-22",
    "value": 3656619.12,
    "shares": 9016.0,
    "price": 405.57,
    "role": "officer",
    "period": "2026-10-22",
    "source": "SEC Form 4 (insider transactions data set)",
    "url": "https://www.sec.gov/Archives/edgar/data/86312/000008631226000186/#live"
   },
   {
    "name": "Form 4 S Schnitzer Alan D 2026-10-21",
    "value": 1191429.3599999999,
    "shares": 2992.0,
    "price": 398.205,
    "role": "CEO",
    "period": "2026-10-21",
    "source": "SEC Form 4 (insider transactions data set)",
    "url": "https://www.sec.gov/Archives/edgar/data/86312/000008631226000190/#live"
   },
   {
    "name": "Form 4 S Schnitzer Alan D 2026-10-21",
    "value": 17844514.2181,
    "shares": 44879.0,
    "price": 397.6139,
    "role": "CEO",
    "period": "2026-10-21",
    "source": "SEC Form 4 (insider transactions data set)",
    "url": "https://www.sec.gov/Archives/edgar/data/86312/000008631226000190/#live"
   },
   {
    "name": "Form 4 S Schnitzer Alan D 2026-10-21",
    "value": 6250821.5331,
    "shares": 15759.0,
    "price": 396.6509,
    "role": "CEO",
    "period": "2026-10-21",
    "source": "SEC Form 4 (insider transactions data set)",
    "url": "https://www.sec.gov/Archives/edgar/data/86312/000008631226000190/#live"
   },
   {
    "name": "Form 4 S Schnitzer Alan D 2026-10-21",
    "value": 4893136.8192,
    "shares": 12369.0,
    "price": 395.5968,
    "role": "CEO",
    "period": "2026-10-21",
    "source": "SEC Form 4 (insider transactions data set)",
    "url": "https://www.sec.gov/Archives/edgar/data/86312/000008631226000190/#live"
   },
   {
    "name": "Form 4 S Schnitzer Alan D 2026-10-21",
    "value": 5093269.6465,
    "shares": 12901.0,
    "price": 394.7965,
    "role": "CEO",
    "period": "2026-10-21",
    "source": "SEC Form 4 (insider transactions data set)",
    "url": "https://www.sec.gov/Archives/edgar/data/86312/000008631226000190/#live"
   },
   {
    "name": "Form 4 S OLIVO MARIA 2026-10-21",
    "value": 6016505.91,
    "shares": 15100.0,
    "price": 398.4441,
    "role": "officer",
    "period": "2026-10-21",
    "source": "SEC Form 4 (insider transactions data set)",
    "url": "https://www.sec.gov/Archives/edgar/data/86312/000008631226000184/#live"
   },
   {
    "name": "Form 4 S Klein Michael Frederick 2026-10-20",
    "value": 534439.2528,
    "shares": 1359.0,
    "price": 393.2592,
    "role": "Pres",
    "period": "2026-10-20",
    "source": "SEC Form 4 (insider transactions data set)",
    "url": "https://www.sec.gov/Archives/edgar/data/86312/000008631226000183/#live"
   },
   {
    "name": "Form 4 S Klein Michael Frederick 2026-10-20",
    "value": 2411493.3234,
    "shares": 6141.0,
    "price": 392.6874,
    "role": "Pres",
    "period": "2026-10-20",
    "source": "SEC Form 4 (insider transactions data set)",
    "url": "https://www.sec.gov/Archives/edgar/data/86312/000008631226000183/#live"
   },
   {
    "name": "Form 4 S OLIVO MARIA 2026-08-28",
    "value": 2219160.0,
    "shares": 6000.0,
    "price": 369.86,
    "role": "officer",
    "period": "2026-08-28",
    "source": "SEC Form 4 (insider transactions data set)",
    "url": "https://www.sec.gov/Archives/edgar/data/86312/000008631226000166/"
   }
  ],
  "buffett": [],
  "lynch": [],
  "graham_enterprising": [],
  "piotroski": []
 },
 "earnings_record": {
  "net_income_by_fy": [
   {
    "fy": 2013,
    "period_end": "2013-12-31",
    "sec_frame": "CY2013",
    "value": 3673000000.0,
    "url": "https://www.sec.gov/Archives/edgar/data/86312/000104746916010107/",
    "accession": "0001047469-16-010107"
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   {
    "fy": 2014,
    "period_end": "2014-12-31",
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    "value": 3692000000.0,
    "url": "https://www.sec.gov/Archives/edgar/data/86312/000110465917040284/",
    "accession": "0001104659-17-040284"
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   {
    "fy": 2015,
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    "value": 3439000000.0,
    "url": "https://www.sec.gov/Archives/edgar/data/86312/000104746918000812/",
    "accession": "0001047469-18-000812"
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   {
    "fy": 2016,
    "period_end": "2016-12-31",
    "sec_frame": "CY2016",
    "value": 3014000000.0,
    "url": "https://www.sec.gov/Archives/edgar/data/86312/000008631219000009/",
    "accession": "0000086312-19-000009"
   },
   {
    "fy": 2017,
    "period_end": "2017-12-31",
    "sec_frame": "CY2017",
    "value": 2056000000.0,
    "url": "https://www.sec.gov/Archives/edgar/data/86312/000008631220000011/",
    "accession": "0000086312-20-000011"
   },
   {
    "fy": 2018,
    "period_end": "2018-12-31",
    "sec_frame": "CY2018",
    "value": 2523000000.0,
    "url": "https://www.sec.gov/Archives/edgar/data/86312/000008631221000011/",
    "accession": "0000086312-21-000011"
   },
   {
    "fy": 2019,
    "period_end": "2019-12-31",
    "sec_frame": "CY2019",
    "value": 2622000000.0,
    "url": "https://www.sec.gov/Archives/edgar/data/86312/000008631222000013/",
    "accession": "0000086312-22-000013"
   },
   {
    "fy": 2020,
    "period_end": "2020-12-31",
    "sec_frame": "CY2020",
    "value": 2697000000.0,
    "url": "https://www.sec.gov/Archives/edgar/data/86312/000008631223000011/",
    "accession": "0000086312-23-000011"
   },
   {
    "fy": 2021,
    "period_end": "2021-12-31",
    "sec_frame": "CY2021",
    "value": 3662000000.0,
    "url": "https://www.sec.gov/Archives/edgar/data/86312/000008631224000012/",
    "accession": "0000086312-24-000012"
   },
   {
    "fy": 2022,
    "period_end": "2022-12-31",
    "sec_frame": "CY2022",
    "value": 2842000000.0,
    "url": "https://www.sec.gov/Archives/edgar/data/86312/000008631225000012/",
    "accession": "0000086312-25-000012"
   },
   {
    "fy": 2023,
    "period_end": "2023-12-31",
    "sec_frame": "CY2023",
    "value": 2991000000.0,
    "url": "https://www.sec.gov/Archives/edgar/data/86312/000008631226000065/",
    "accession": "0000086312-26-000065"
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   {
    "fy": 2024,
    "period_end": "2024-12-31",
    "sec_frame": "CY2024",
    "value": 4999000000.0,
    "url": "https://www.sec.gov/Archives/edgar/data/86312/000008631226000065/",
    "accession": "0000086312-26-000065"
   },
   {
    "fy": 2025,
    "period_end": "2025-12-31",
    "sec_frame": "CY2025",
    "value": 6288000000.0,
    "url": "https://www.sec.gov/Archives/edgar/data/86312/000008631226000065/",
    "accession": "0000086312-26-000065"
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  ],
  "eps_diluted_by_fy": [
   {
    "fy": 2013,
    "period_end": "2013-12-31",
    "sec_frame": "CY2013",
    "value": 9.74,
    "url": "https://www.sec.gov/Archives/edgar/data/86312/000104746916010107/",
    "accession": "0001047469-16-010107",
    "value_reported": 9.74,
    "split_factor": 1.0,
    "split_basis": "filed between 2016-02-05 and 2016-06-04"
   },
   {
    "fy": 2014,
    "period_end": "2014-12-31",
    "sec_frame": "CY2014",
    "value": 10.7,
    "url": "https://www.sec.gov/Archives/edgar/data/86312/000110465917040284/",
    "accession": "0001104659-17-040284",
    "value_reported": 10.7,
    "split_factor": 1.0,
    "split_basis": "filed between 2017-01-01 and 2017-12-31"
   },
   {
    "fy": 2015,
    "period_end": "2015-12-31",
    "sec_frame": "CY2015",
    "value": 10.88,
    "url": "https://www.sec.gov/Archives/edgar/data/86312/000104746918000812/",
    "accession": "0001047469-18-000812",
    "value_reported": 10.88,
    "split_factor": 1.0,
    "split_basis": "filed between 2018-02-09 and 2018-06-09"
   },
   {
    "fy": 2016,
    "period_end": "2016-12-31",
    "sec_frame": "CY2016",
    "value": 10.28,
    "url": "https://www.sec.gov/Archives/edgar/data/86312/000008631219000009/",
    "accession": "0000086312-19-000009",
    "value_reported": 10.28,
    "split_factor": 1.0,
    "split_basis": "filed 2019-02-14"
   },
   {
    "fy": 2017,
    "period_end": "2017-12-31",
    "sec_frame": "CY2017",
    "value": 7.33,
    "url": "https://www.sec.gov/Archives/edgar/data/86312/000008631220000011/",
    "accession": "0000086312-20-000011",
    "value_reported": 7.33,
    "split_factor": 1.0,
    "split_basis": "filed 2020-02-13"
   },
   {
    "fy": 2018,
    "period_end": "2018-12-31",
    "sec_frame": "CY2018",
    "value": 9.28,
    "url": "https://www.sec.gov/Archives/edgar/data/86312/000008631221000011/",
    "accession": "0000086312-21-000011",
    "value_reported": 9.28,
    "split_factor": 1.0,
    "split_basis": "filed 2021-02-11"
   },
   {
    "fy": 2019,
    "period_end": "2019-12-31",
    "sec_frame": "CY2019",
    "value": 9.92,
    "url": "https://www.sec.gov/Archives/edgar/data/86312/000008631222000013/",
    "accession": "0000086312-22-000013",
    "value_reported": 9.92,
    "split_factor": 1.0,
    "split_basis": "filed 2022-02-17"
   },
   {
    "fy": 2020,
    "period_end": "2020-12-31",
    "sec_frame": "CY2020",
    "value": 10.52,
    "url": "https://www.sec.gov/Archives/edgar/data/86312/000008631223000011/",
    "accession": "0000086312-23-000011",
    "value_reported": 10.52,
    "split_factor": 1.0,
    "split_basis": "filed 2023-02-16"
   },
   {
    "fy": 2021,
    "period_end": "2021-12-31",
    "sec_frame": "CY2021",
    "value": 14.49,
    "url": "https://www.sec.gov/Archives/edgar/data/86312/000008631224000012/",
    "accession": "0000086312-24-000012",
    "value_reported": 14.49,
    "split_factor": 1.0,
    "split_basis": "filed 2024-02-15"
   },
   {
    "fy": 2022,
    "period_end": "2022-12-31",
    "sec_frame": "CY2022",
    "value": 11.77,
    "url": "https://www.sec.gov/Archives/edgar/data/86312/000008631225000012/",
    "accession": "0000086312-25-000012",
    "value_reported": 11.77,
    "split_factor": 1.0,
    "split_basis": "filed 2025-02-13"
   },
   {
    "fy": 2023,
    "period_end": "2023-12-31",
    "sec_frame": "CY2023",
    "value": 12.79,
    "url": "https://www.sec.gov/Archives/edgar/data/86312/000008631226000065/",
    "accession": "0000086312-26-000065",
    "value_reported": 12.79,
    "split_factor": 1.0,
    "split_basis": "filed 2026-02-12"
   },
   {
    "fy": 2024,
    "period_end": "2024-12-31",
    "sec_frame": "CY2024",
    "value": 21.47,
    "url": "https://www.sec.gov/Archives/edgar/data/86312/000008631226000065/",
    "accession": "0000086312-26-000065",
    "value_reported": 21.47,
    "split_factor": 1.0,
    "split_basis": "filed 2026-02-12"
   },
   {
    "fy": 2025,
    "period_end": "2025-12-31",
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  "url": "https://theclaudetrader.com/d/TRV.md",
  "written": "2026-10-17",
  "note": "librarian agent dossier: cited facts only, no opinions"
 },
 "external_views_link_only": {
  "morningstar": "https://www.morningstar.com/search?query=TRV",
  "finviz": "https://finviz.com/quote.ashx?t=TRV",
  "stockanalysis": "https://stockanalysis.com/stocks/trv/",
  "seeking_alpha": "https://seekingalpha.com/symbol/TRV",
  "openinsider": "http://openinsider.com/search?q=TRV",
  "google_news": "https://news.google.com/rss/search?q=TRV+stock"
 },
 "limits": [
  "Graham Defensive: not scored (financial)",
  "Magic Formula: not scored",
  "Buffett Quality: not scored (financial)",
  "Lynch GARP: not scored (financial)",
  "Graham Enterprising: not scored (financial)",
  "Piotroski F-Score: not scored (financial)",
  "News is not collected for this ticker; use the SEC 8-K and press-release links below"
 ],
 "machine_readable": {
  "stock_json": "https://theclaudetrader.com/s/TRV.json",
  "stock_md": "https://theclaudetrader.com/s/TRV.md",
  "packet": "https://theclaudetrader.com/r/TRV.json",
  "grid": "https://theclaudetrader.com/grid.json",
  "openapi": "https://theclaudetrader.com/openapi.json",
  "index": "https://theclaudetrader.com/llms.txt"
 },
 "cite_as": "The Claude Trader snapshot 2026-10-26, https://theclaudetrader.com/s/TRV; data from SEC EDGAR XBRL and market prices (Alpaca Market Data, Yahoo Finance) to 2026-10-23.",
 "disclaimer": "Scores are deterministic rule outputs from public filings. fair_value_model is a labelled model estimate from the same filings (method at /fair-value), not an opinion or recommendation."
}