Compare Stocks › AAPL vs TRV
Apple Inc. (AAPL) vs The Travelers Companies, Inc. (TRV)
AAPL
Apple Inc.
$248.96
VS
TRV
The Travelers Companies, Inc.
$296.84
Rewards
AAPL
- ★Apple Inc. has maintained ROIC above 15% for 4 consecutive years, indicating a durable competitive advantage.
- ★Apple Inc. scores 96/100 on the Economic Moat Score (Wide Moat), with roic consistency as the strongest competitive dimension.
- ★Return on equity has consistently exceeded 20% over 4 years, indicating efficient use of shareholder capital.
TRV
- ★Free cash flow has grown at a 17.9% CAGR over the past 4 years, demonstrating strong earnings power growth.
- ★Each dollar of retained earnings has created $1.71 of market value — management is creating shareholder value.
- ★FCF yield of 18.3% is historically attractive — the business generates significant cash relative to its price.
Risks
AAPL
- ⚠FCF yield of 2.9% is below 3%, meaning the market is pricing in substantial future growth to justify the current price.
- ⚠12 insider sales with no purchases over the past 12 months — a persistent pattern of insider selling.
TRV
- ⚠The Travelers Companies, Inc. scores only 20/100 on the Economic Moat Score, suggesting limited durable competitive advantages.
- ⚠Altman Z-Score of 1.22 places the company in the distress zone — financial patterns resemble those of companies that experienced bankruptcy.
- ⚠15 insider sales totaling $47.7M with no purchases in the past 3 months — insiders are reducing their exposure.
Key Valuation Metrics
Learn more →AAPL
TRV
Valuation
$106.31B
Free Cash Flow
$12.10B
2.91%
FCF Yield
18.27%
31.55
Trailing P/E
10.82
26.71
Forward P/E
10.48
Quality & Moat
68.12%
ROIC
23.55%
127.01%
ROE
19.12%
47.33%
Gross Margin
29.37%
1.72
PEG Ratio
0.46
Balance Sheet Safety
1.03
Debt / Equity
0.29
N/A
Interest Coverage
N/A
0.15
Net Debt / EBITDA
0.35
0.42%
Dividend Yield
1.48%
AAPL: 5Ties: 1TRV: 6
AAPLTRV
Historical Fundamentals
Learn more →AAPL
Price ÷ Earnings Per Share — how many years of current earnings you're paying for at today's price. Lower P/E may indicate undervaluation.
TRV
Price ÷ Earnings Per Share — how many years of current earnings you're paying for at today's price. Lower P/E may indicate undervaluation.
Price ÷ Earnings Per Share — how many years of current earnings you're paying for at today's price. Lower P/E may indicate undervaluation.
$1 Retained Earnings Test
Learn more →AAPL
$7.57
created per $1 retained over 3 years
Exceptional Value Creator
Σ Retained
$257.06B
Δ Market Cap
+$1.94T
Buffett's "$1 Test": For every $1 of earnings retained, has management created at least $1 of market value?
> $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer
> $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer
TRV
$1.71
created per $1 retained over 3 years
Value Creator
Σ Retained
$11.44B
Δ Market Cap
+$19.57B
Buffett's "$1 Test": For every $1 of earnings retained, has management created at least $1 of market value?
> $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer
> $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer
Buffett's "$1 Test": For every $1 of earnings retained, has management created at least $1 of market value?
> $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer
Discounted Cash Flow (DCF) Analysis
Learn more →AAPL
38.3% Overvalued
Price is 38.3% above estimated fair value
Current Price: $248.96
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
Fair Value: $179.99
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
TRV
37.5% Margin of Safety
Price is 37.5% below estimated fair value
Current Price: $296.84
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
Fair Value: $474.61
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
Reverse DCF — Market-Implied Growth
Learn more →AAPL
What growth rate is the market pricing in at $249?
+14.5%
Market-Implied Owner Earnings Growth
Standard FCF implies +15.2%
The market implies +14.5% Owner Earnings growth, above historical trends.
Standard FCF implies a demanding +15.2%, reflecting heavy growth investment.
TRV
What growth rate is the market pricing in at $297?
-0.5%
Market-Implied Owner Earnings Growth
Standard FCF implies -10.0%
The market implies -0.5% Owner Earnings growth, below historical trends — potential opportunity.
Standard FCF implies a more demanding -10.0%, reflecting heavy growth investment expected to generate future returns.
Economic Moat Score
Learn more →AAPL
96/100
Wide Moat
70+ Wide · 40-69 Narrow · <40 None
Wide moat with strength across all dimensions. ROIC Consistency is the standout factor.
Composite score measuring competitive advantage durability across four dimensions: returns above cost of capital, pricing power stability, revenue predictability, and capital efficiency. Based on 5 years of fundamental data.
TRV
20/100
No Moat
70+ Wide · 40-69 Narrow · <40 None
No durable moat detected, though revenue predictability shows some competitive positioning. The business lacks consistent evidence of sustainable advantages.
Composite score measuring competitive advantage durability across four dimensions: returns above cost of capital, pricing power stability, revenue predictability, and capital efficiency. Based on 5 years of fundamental data.
Forensic Accounting
Learn more →AAPL
-2.29
Unlikely Manipulator
Above -1.78 = likely manipulator · -2.22 to -1.78 = grey zone
M-Score Trend
Beneish's 8-variable model estimates the probability of earnings manipulation. An M-Score above -1.78 signals elevated risk — companies in this range have historically been 3-5× more likely to be manipulating earnings. Scores between -2.22 and -1.78 fall in a grey zone warranting further investigation.
TRV
-2.66
Unlikely Manipulator
Above -1.78 = likely manipulator · -2.22 to -1.78 = grey zone
M-Score Trend
Beneish's 8-variable model estimates the probability of earnings manipulation. An M-Score above -1.78 signals elevated risk — companies in this range have historically been 3-5× more likely to be manipulating earnings. Scores between -2.22 and -1.78 fall in a grey zone warranting further investigation.
Beneish's 8-variable model estimates the probability of earnings manipulation. An M-Score above -1.78 signals elevated risk — companies in this range have historically been 3-5× more likely to be manipulating earnings. Scores between -2.22 and -1.78 fall in a grey zone warranting further investigation.
Ownership Breakdown
Learn more →AAPL
Insiders 1.6%Institutions 65.3%Retail & Other 33.1%
No. of Institutional Holders7,544
High insider ownership aligns management incentives with shareholders — a key signal in Buffett-style analysis. Institutional concentration can indicate smart-money conviction but also crowding risk.
TRV
Insiders 0.3%Institutions 88.5%Retail & Other 11.3%
No. of Institutional Holders2,272
High insider ownership aligns management incentives with shareholders — a key signal in Buffett-style analysis. Institutional concentration can indicate smart-money conviction but also crowding risk.
High insider ownership aligns management incentives with shareholders. Institutional concentration can indicate smart-money conviction but also crowding risk.
Insider Buying Activity
Learn more →AAPL
0
Buys (3M)
0
Buys (12M)
No open market insider purchases found.
Open market purchases · includes direct & indirect ownership · excludes option exercises
TRV
0
Buys (3M)
0
Buys (12M)
No open market insider purchases found.
Open market purchases · includes direct & indirect ownership · excludes option exercises
Open market purchases · includes direct & indirect ownership · excludes option exercises.
Insider Selling Activity
Learn more →AAPL
0
Sells (3M)
12
Sells (12M)
Total value (12M): $129.96M
KONDO CHRISTOPHER
Officer
$1.02M
@ $271.23 · 2025-11-07
PAREKH KEVAN
Chief Financial Officer
$1.04M
@ $247.39 · 2025-10-16
O'BRIEN DEIRDRE
Officer
$11.07M
@ $257.39 · 2025-10-02
COOK TIMOTHY D
Chief Executive Officer
$33.38M
@ $256.81 · 2025-10-02
ADAMS KATHERINE L
General Counsel
$12.10M
@ $256.79 · 2025-10-02
LEVINSON ARTHUR D
Director
$20.89M
@ $232.07 · 2025-08-28
O'BRIEN DEIRDRE
Officer
$7.77M
@ $223.20 · 2025-08-08
KONDO CHRISTOPHER
Officer
$933,955
@ $208.19 · 2025-05-12
PAREKH KEVAN
Chief Financial Officer
$941,420
@ $206.00 · 2025-04-23
WILLIAMS JEFFREY E
Chief Operating Officer
$7.95M
@ $224.01 · 2025-04-02
COOK TIMOTHY D
Chief Executive Officer
$24.18M
@ $223.65 · 2025-04-02
ADAMS KATHERINE L
General Counsel
$8.68M
@ $223.67 · 2025-04-02
LEVINSON ARTHUR D
Director
$343,147
@ $226.35 · 2025-02-03
LEVINSON ARTHUR D
Director
$45.46M
@ $227.32 · 2024-11-19
KONDO CHRISTOPHER
Officer
$945,233
@ $228.87 · 2024-11-18
MAESTRI LUCA
Chief Financial Officer
$13.43M
@ $226.52 · 2024-10-04
O'BRIEN DEIRDRE
Officer
$13.84M
@ $226.87 · 2024-10-02
WILLIAMS JEFFREY E
Chief Operating Officer
$13.55M
@ $226.86 · 2024-10-02
COOK TIMOTHY D
Chief Executive Officer
$50.28M
@ $224.46 · 2024-10-02
ADAMS KATHERINE L
General Counsel
$13.80M
@ $226.20 · 2024-10-02
KONDO CHRISTOPHER
Officer
$1.96M
@ $225.00 · 2024-08-15
KONDO CHRISTOPHER
Officer
$1.12M
@ $216.50 · 2024-08-09
ADAMS KATHERINE L
General Counsel
$20.64M
@ $206.44 · 2024-08-05
LEVINSON ARTHUR D
Director
$14.37M
@ $191.58 · 2024-05-30
KONDO CHRISTOPHER
Officer
$951,785
@ $190.40 · 2024-05-15
MAESTRI LUCA
Chief Financial Officer
$9.26M
@ $174.12 · 2024-04-11
O'BRIEN DEIRDRE
Officer
$9.24M
@ $168.91 · 2024-04-02
COOK TIMOTHY D
Chief Executive Officer
$33.26M
@ $169.33 · 2024-04-02
ADAMS KATHERINE L
General Counsel
$9.24M
@ $168.90 · 2024-04-02
Direct ownership only · excludes indirect, option exercises, planned (10b5-1) sales & derivatives
TRV
15
Sells (3M)
43
Sells (12M)
Total value (12M): $129.20M
OLIVO MARIA
Officer
$3.19M
@ $306.60 · 2026-02-26
ROWLAND DAVID DONNAY
Chief Investment Officer
$1.46M
@ $308.52 · 2026-02-26
MUNSON PAUL E
Officer
$1.14M
@ $306.04 · 2026-02-25
HEYMAN WILLIAM H
Officer
$1.53M
@ $306.75 · 2026-02-23
TOCZYDLOWSKI GREGORY C
Officer
$3.66M
@ $299.78 · 2026-02-20
KESS AVROHOM J
Officer
$1.43M
@ $300.44 · 2026-02-20
FREY DANIEL S.
Chief Financial Officer
$2.40M
@ $299.50 · 2026-02-20
LEFEBVRE MOJGAN M
Officer
$1.74M
@ $298.29 · 2026-02-19
BESSETTE ANDY F
Officer
$1.79M
@ $297.65 · 2026-02-17
HEYMAN WILLIAM H
Officer
$300,000
@ $300.00 · 2026-02-17
HEYMAN WILLIAM H
Officer
$1.81M
@ $302.17 · 2026-02-06
OLIVO MARIA
Officer
$3.13M
@ $300.75 · 2026-02-06
KLEIN MICHAEL FREDERICK
Officer
$3.01M
@ $301.18 · 2026-02-06
SCHNITZER ALAN D
Chief Executive Officer
$16.42M
@ $294.70 · 2026-02-04
KLENK JEFFREY P
Officer
$4.68M
@ $279.77 · 2026-01-23
OLIVO MARIA
Officer
$2.64M
@ $295.73 · 2025-11-26
HEYMAN WILLIAM H
Officer
$1.18M
@ $294.50 · 2025-11-25
KURTZMAN DIANE
Officer
$1.39M
@ $290.00 · 2025-11-24
HEYMAN WILLIAM H
Officer
$583,000
@ $291.50 · 2025-11-21
ROWLAND DAVID DONNAY
Chief Investment Officer
$1.45M
@ $290.57 · 2025-11-21
HEYMAN WILLIAM H
Officer
$1.10M
@ $288.47 · 2025-11-13
HEYMAN WILLIAM H
Officer
$1.98M
@ $283.11 · 2025-11-11
FREY DANIEL S.
Chief Financial Officer
$6.96M
@ $278.25 · 2025-11-06
KLEIN MICHAEL FREDERICK
Officer
$2.32M
@ $270.73 · 2025-10-28
HEYMAN WILLIAM H
Officer
$557,000
@ $278.50 · 2025-08-22
LEFEBVRE MOJGAN M
Chief Operating Officer
$4.67M
@ $277.54 · 2025-08-22
BESSETTE ANDY F
Officer
$2.05M
@ $264.90 · 2025-08-07
KLEIN MICHAEL FREDERICK
Officer
$2.62M
@ $261.99 · 2025-08-04
TOCZYDLOWSKI GREGORY C
Officer
$3.06M
@ $266.12 · 2025-07-21
HEYMAN WILLIAM H
Officer
$553,000
@ $276.50 · 2025-05-30
HEYMAN WILLIAM H
Officer
$549,000
@ $274.50 · 2025-05-29
OLIVO MARIA
Officer
$9.93M
@ $274.20 · 2025-05-29
SCHNITZER ALAN D
Chief Executive Officer
$9.71M
@ $273.78 · 2025-05-29
KLEIN MICHAEL FREDERICK
Officer
$2.48M
@ $274.17 · 2025-05-29
KESS AVROHOM J
Officer
$6.42M
@ $273.93 · 2025-05-29
FREY DANIEL S.
Chief Financial Officer
$5.55M
@ $273.48 · 2025-05-29
LEFEBVRE MOJGAN M
Chief Operating Officer
$1.68M
@ $273.74 · 2025-05-29
KURTZMAN DIANE
Officer
$1.09M
@ $273.02 · 2025-05-29
ROWLAND DAVID DONNAY
Chief Investment Officer
$3.31M
@ $274.01 · 2025-05-29
KLENK JEFFREY P
Officer
$4.14M
@ $272.87 · 2025-05-29
MUNSON PAUL E
Officer
$1.11M
@ $273.29 · 2025-05-29
BESSETTE ANDY F
Officer
$1.36M
@ $272.76 · 2025-05-16
HEYMAN WILLIAM H
Officer
$1.09M
@ $271.50 · 2025-05-08
LEFEBVRE MOJGAN M
Chief Technology Officer
$3.31M
@ $248.60 · 2025-02-26
HEYMAN WILLIAM H
Officer
$804,000
@ $268.00 · 2024-11-29
Direct ownership only · excludes indirect, option exercises, planned (10b5-1) sales & derivatives
Direct ownership only · excludes indirect, option exercises, planned (10b5-1) sales & derivatives.
🎭 Mr. Market's Mood
Learn more →AAPL
😐Neutral(52/100)
"Market is pricing this stock without strong emotion in either direction"
Composite sentiment score based on 6 market signals. Inspired by Buffett's "Mr. Market" allegory — fear = potential opportunity, greed = potential risk. Must be used alongside fundamental analysis, not in isolation.
TRV
😐Neutral(60/100)
"Market is pricing this stock without strong emotion in either direction"
Composite sentiment score based on 6 market signals. Inspired by Buffett's "Mr. Market" allegory — fear = potential opportunity, greed = potential risk. Must be used alongside fundamental analysis, not in isolation.
Composite sentiment score based on market signals. Inspired by Buffett’s "Mr. Market" allegory — fear = potential opportunity, greed = potential risk. Must be used alongside fundamental analysis, not in isolation.
⚖️ Buffett Signal
Learn more →AAPL
⚪Awaiting DCF Data
The Buffett Signal cross-references market sentiment with DCF valuation. Configure the DCF Analysis above to generate a signal.
DCF Margin of Safety: N/AMr. Market's Mood: Neutral (52)
TRV
⚪Awaiting DCF Data
The Buffett Signal cross-references market sentiment with DCF valuation. Configure the DCF Analysis above to generate a signal.
DCF Margin of Safety: N/AMr. Market's Mood: Neutral (60)