{
 "ticker": "TRV",
 "currency": "USD",
 "updated_at": "2026-10-31T15:55:00+01:00",
 "price_source": "Yahoo Finance chart API TRV, daily close (range=3mo)",
 "prices": [
  {
   "date": "2026-07-31",
   "close": 374.36
  },
  {
   "date": "2026-08-03",
   "close": 373.82
  },
  {
   "date": "2026-08-04",
   "close": 377.15
  },
  {
   "date": "2026-08-05",
   "close": 382.45
  },
  {
   "date": "2026-08-06",
   "close": 386.0
  },
  {
   "date": "2026-08-07",
   "close": 384.31
  },
  {
   "date": "2026-08-10",
   "close": 375.62
  },
  {
   "date": "2026-08-11",
   "close": 375.61
  },
  {
   "date": "2026-08-12",
   "close": 370.16
  },
  {
   "date": "2026-08-13",
   "close": 370.0
  },
  {
   "date": "2026-08-14",
   "close": 370.36
  },
  {
   "date": "2026-08-17",
   "close": 364.51
  },
  {
   "date": "2026-08-18",
   "close": 367.93
  },
  {
   "date": "2026-08-19",
   "close": 362.22
  },
  {
   "date": "2026-08-20",
   "close": 364.49
  },
  {
   "date": "2026-08-21",
   "close": 363.58
  },
  {
   "date": "2026-08-24",
   "close": 370.55
  },
  {
   "date": "2026-08-25",
   "close": 369.66
  },
  {
   "date": "2026-08-26",
   "close": 371.15
  },
  {
   "date": "2026-08-27",
   "close": 369.33
  },
  {
   "date": "2026-08-28",
   "close": 369.9
  },
  {
   "date": "2026-08-31",
   "close": 365.93
  },
  {
   "date": "2026-09-01",
   "close": 363.92
  },
  {
   "date": "2026-09-02",
   "close": 366.18
  },
  {
   "date": "2026-09-03",
   "close": 374.34
  },
  {
   "date": "2026-09-04",
   "close": 369.35
  },
  {
   "date": "2026-09-08",
   "close": 365.66
  },
  {
   "date": "2026-09-09",
   "close": 366.85
  },
  {
   "date": "2026-09-10",
   "close": 367.56
  },
  {
   "date": "2026-09-11",
   "close": 375.2
  },
  {
   "date": "2026-09-14",
   "close": 378.05
  },
  {
   "date": "2026-09-15",
   "close": 377.97
  },
  {
   "date": "2026-09-16",
   "close": 378.92
  },
  {
   "date": "2026-09-17",
   "close": 379.49
  },
  {
   "date": "2026-09-18",
   "close": 374.62
  },
  {
   "date": "2026-09-21",
   "close": 371.13
  },
  {
   "date": "2026-09-22",
   "close": 362.01
  },
  {
   "date": "2026-09-23",
   "close": 360.39
  },
  {
   "date": "2026-09-24",
   "close": 362.39
  },
  {
   "date": "2026-09-25",
   "close": 363.04
  },
  {
   "date": "2026-09-28",
   "close": 363.16
  },
  {
   "date": "2026-09-29",
   "close": 363.21
  },
  {
   "date": "2026-09-30",
   "close": 356.51
  },
  {
   "date": "2026-10-01",
   "close": 361.64
  },
  {
   "date": "2026-10-02",
   "close": 360.38
  },
  {
   "date": "2026-10-05",
   "close": 360.7
  },
  {
   "date": "2026-10-06",
   "close": 360.64
  },
  {
   "date": "2026-10-07",
   "close": 360.61
  },
  {
   "date": "2026-10-08",
   "close": 370.27
  },
  {
   "date": "2026-10-09",
   "close": 368.75
  },
  {
   "date": "2026-10-12",
   "close": 371.68
  },
  {
   "date": "2026-10-13",
   "close": 373.28
  },
  {
   "date": "2026-10-14",
   "close": 377.82
  },
  {
   "date": "2026-10-15",
   "close": 383.89
  },
  {
   "date": "2026-10-16",
   "close": 389.54
  },
  {
   "date": "2026-10-19",
   "close": 385.45
  },
  {
   "date": "2026-10-20",
   "close": 395.73
  },
  {
   "date": "2026-10-21",
   "close": 398.95
  },
  {
   "date": "2026-10-22",
   "close": 405.44
  },
  {
   "date": "2026-10-23",
   "close": 398.28
  },
  {
   "date": "2026-10-26",
   "close": 400.17
  },
  {
   "date": "2026-10-27",
   "close": 397.03
  },
  {
   "date": "2026-10-28",
   "close": 394.01
  },
  {
   "date": "2026-10-29",
   "close": 398.27
  },
  {
   "date": "2026-10-30",
   "close": 396.22
  }
 ],
 "fair_values": [
  {
   "date": "2026-09-21",
   "value": 342.0,
   "currency": "USD",
   "source": "Evercore ISI (In-Line)",
   "url": "https://www.benzinga.com/quote/TRV/analyst-ratings",
   "captured_at": "2026-10-31T12:00:00+01:00",
   "kind": "broker",
   "note": "raise from 338"
  },
  {
   "date": "2026-10-07",
   "value": 345.0,
   "currency": "USD",
   "source": "Mizuho (Neutral)",
   "url": "https://www.benzinga.com/quote/TRV/analyst-ratings",
   "captured_at": "2026-10-31T12:00:00+01:00",
   "kind": "broker",
   "note": "cut from 348"
  },
  {
   "date": "2026-10-12",
   "value": 341.0,
   "currency": "USD",
   "source": "Wells Fargo",
   "url": "https://www.benzinga.com/quote/TRV/analyst-ratings",
   "captured_at": "2026-10-31T12:00:00+01:00",
   "kind": "broker",
   "note": "cut from 356"
  },
  {
   "date": "2026-10-17",
   "value": 395.0,
   "currency": "USD",
   "source": "Citigroup (Neutral)",
   "url": "https://site.financialmodelingprep.com/market-news/travelers-trv-price-target-raised-citigroup-q3-2026",
   "captured_at": "2026-10-31T12:00:00+01:00",
   "kind": "broker",
   "note": "raise from 385; date approximate (after Q3 results), page 403 to fetch, read from search snippet"
  },
  {
   "date": "2026-10-20",
   "value": 379.0,
   "currency": "USD",
   "source": "J.P. Morgan (Hold)",
   "url": "https://stockanalysis.com/stocks/trv/forecast/",
   "captured_at": "2026-10-31T12:00:00+01:00",
   "kind": "broker",
   "note": "raise from 352"
  },
  {
   "date": "2026-10-20",
   "value": 388.0,
   "currency": "USD",
   "source": "BMO Capital (Hold)",
   "url": "https://stockanalysis.com/stocks/trv/forecast/",
   "captured_at": "2026-10-31T12:00:00+01:00",
   "kind": "broker",
   "note": "raise from 379"
  },
  {
   "date": "2026-10-23",
   "value": 397.0,
   "currency": "USD",
   "source": "Cantor Fitzgerald (Buy)",
   "url": "https://stockanalysis.com/stocks/trv/forecast/",
   "captured_at": "2026-10-31T12:00:00+01:00",
   "kind": "broker",
   "note": "raise from 378"
  },
  {
   "date": "2026-10-23",
   "value": 350.0,
   "currency": "USD",
   "source": "Morgan Stanley (Sell/Underweight)",
   "url": "https://stockanalysis.com/stocks/trv/forecast/",
   "captured_at": "2026-10-31T12:00:00+01:00",
   "kind": "broker",
   "note": "raise from 330"
  },
  {
   "date": "2026-10-26",
   "value": 460.0,
   "currency": "USD",
   "source": "Roth MKM (Buy)",
   "url": "https://stockanalysis.com/stocks/trv/forecast/",
   "captured_at": "2026-10-31T12:00:00+01:00",
   "kind": "broker",
   "note": "raise from 425; street high"
  },
  {
   "date": "2026-10-26",
   "value": 376.54,
   "currency": "USD",
   "source": "S&P Global consensus target (29 analysts, Hold)",
   "url": "https://stockanalysis.com/stocks/trv/forecast/",
   "captured_at": "2026-10-31T12:00:00+01:00",
   "kind": "consensus",
   "note": "via StockAnalysis, last updated 26 Oct 2026; low 262, median 379.50, high 460"
  },
  {
   "date": "2026-10-31",
   "value": 363.6,
   "currency": "USD",
   "source": "The Claude Trader base case",
   "url": "TRV/REPORT.md",
   "captured_at": "2026-10-31T12:00:00+01:00",
   "kind": "ours",
   "note": "mean of P/adjusted book 376.3 and discounted 2030 EPS 350.8; see Valuation section"
  },
  {
   "date": "2026-10-31",
   "value": 262.0,
   "currency": "USD",
   "source": "Morningstar fair value via IBKR Mobile (Company-tab Morningstar card only; 1 stars, moat Narrow, uncertainty Medium)",
   "url": "TRV/ibkr/20261031T155054+0100_morningstar_card.png",
   "captured_at": "2026-10-31T15:50:54+01:00",
   "kind": "morningstar",
   "note": "IBKR company card shows no as-of date; dated by capture"
  }
 ],
 "summary": {
  "latest_close": 396.22,
  "latest_date": "2026-10-30",
  "avg_fair_value": 334.05,
  "sources_used": [
   "Morningstar fair value via IBKR Mobile (Company-tab Morningstar card only; 1 stars, moat Narrow, uncertainty Medium) (262.0, 2026-10-31)",
   "S&P Global consensus target (29 analysts, Hold) (376.54, 2026-10-26)",
   "The Claude Trader base case (363.6, 2026-10-31)"
  ],
  "gap_pct": -15.7,
  "verdict": "red",
  "method": "Average fair value = mean of the latest Morningstar fair value, one consensus target (LSEG, else TipRanks or the named consensus) and The Claude Trader base case. Broker targets are drawn but not averaged because the consensus already contains them; targets older than 12 months are dropped. Morningstar was not retrievable on 2026-10-31 (morningstar.com 403), so this average uses two inputs until the IBKR capture adds it.",
  "missing": [
   "LSEG consensus (IBKR fundamentals page did not load on 2026-10-31)"
  ]
 }
}