Travelers (TRV) Q4 2025 Earnings Call Transcript

Motley Fool Transcribing, The Motley Fool

Wed, January 21, 2026 astatine 9:32 AM CST 49 min read

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Wednesday, January 21, 2026 astatine 9 a.m. ET

• Chairman and Chief Executive Officer — Alan Schnitzer

• Chief Financial Officer — Dan Frey

• President, Business Insurance — Greg Toczydlowski

• President, Bond and Specialty Insurance — Jeffrey Klenk

• President, Personal Insurance — Michael Klein

• Senior Vice President, Investor Relations — Abbe Goldstein

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Operator: Good morning, ladies and gentlemen. Welcome to the Fourth Quarter Results Teleconference for The Travelers Companies, Inc. We inquire that you clasp each questions until the completion of ceremonial remarks, astatine which clip you volition beryllium fixed instructions. As a reminder, this league is being recorded connected January 21, 2026. At this time, I would similar to crook the league implicit to Ms. Abbe Goldstein, Senior Vice President of Investor Relations. Ms. Goldstein, you whitethorn begin.

Abbe Goldstein: Thank you. Good morning, and invited to 2025 results. We released our property release, fiscal supplement, and webcast presumption earlier this morning. All of these materials tin beryllium recovered connected our website astatine travelers.com nether the investors section. Speaking contiguous volition beryllium Alan Schnitzer, Chairman and CEO; Dan Frey, CFO; and our 3 conception presidents, Greg Toczydlowski of Business Insurance, Jeffrey Klenk of Bond and Specialty Insurance, and Michael Klein of Personal Insurance. They volition sermon the fiscal results of our concern and the existent marketplace environment. They volition notation to the webcast presumption arsenic they spell done prepared remarks, and past we volition instrumentality your questions.

Before I crook the telephone implicit to Alan, I'd similar to gully your attraction to the explanatory enactment included astatine the extremity of the webcast presentation. Our presumption contiguous includes forward-looking statements. The institution cautions investors that immoderate forward-looking connection involves risks and is not a warrant of aboriginal performance. Actual results whitethorn disagree materially from those expressed oregon implied successful the forward-looking statements owed to a assortment of factors. These factors are described nether forward-looking statements successful our net property merchandise and successful our astir caller 10-Q and 10-Ks filed with the SEC. We bash not undertake immoderate work to update forward-looking statements. Also, successful our remarks oregon responses, we whitethorn notation immoderate non-GAAP fiscal measures.

Reconciliations are included successful our caller net property release, fiscal supplement, and different materials disposable successful the Investors conception connected our website. And present I'd similar to crook the telephone implicit to Alan Schnitzer.