Compare Stocks › NOW vs TRV
ServiceNow, Inc. (NOW) vs The Travelers Companies, Inc. (TRV)
NOW
ServiceNow, Inc.
$113.27
VS
TRV
The Travelers Companies, Inc.
$296.84
Rewards
NOW
- ★Gross margin of 77.5% indicates strong pricing power — typical of businesses with significant intellectual property or brand strength.
- ★Free cash flow has grown at a 27.8% CAGR over the past 4 years, demonstrating strong earnings power growth.
- ★Each dollar of retained earnings has created $16.65 of market value — management is an exceptional capital allocator.
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
NOW
- ⚠Despite buyback spending, shares outstanding increased in 3 out of 3 years — stock-based compensation is offsetting repurchases.
- ⚠PEG ratio of 19.95 indicates the stock is expensive relative to its expected growth — the market may be pricing in more growth than analysts project.
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
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TRV
Valuation
$4.95B
Free Cash Flow
$12.10B
4.14%
FCF Yield
18.27%
67.83
Trailing P/E
10.82
22.56
Forward P/E
10.48
Quality & Moat
11.27%
ROIC
23.55%
13.48%
ROE
19.12%
77.53%
Gross Margin
29.37%
19.95
PEG Ratio
0.46
Balance Sheet Safety
0.19
Debt / Equity
0.29
N/A
Interest Coverage
N/A
-1.42
Net Debt / EBITDA
0.35
N/A
Dividend Yield
1.48%
NOW: 3Ties: 1TRV: 7
NOWTRV
Historical Fundamentals
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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
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$16.65
created per $1 retained over 3 years
Exceptional Value Creator
Σ Retained
$4.90B
Δ Market Cap
+$81.66B
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
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45.8% Overvalued
Price is 45.8% above estimated fair value
Current Price: $113.27
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
Fair Value: $77.67
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
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What growth rate is the market pricing in at $113?
+24.1%
Market-Implied Owner Earnings Growth
Standard FCF implies +9.8%
The market implies +24.1% Owner Earnings growth, below historical trends — potential opportunity.
Standard FCF implies a more demanding +9.8%, reflecting heavy growth investment expected to generate future returns.
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
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61/100
Narrow Moat
70+ Wide · 40-69 Narrow · <40 None
Narrow moat with revenue predictability as the key competitive advantage. Improving roic consistency would strengthen the moat.
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
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-2.87
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
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Insiders 0.2%Institutions 90.0%Retail & Other 9.8%
No. of Institutional Holders3,197
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
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1
Buys (3M)
1
Buys (12M)
Total value (12M): $3.00M
MCDERMOTT WILLIAM R
Chief Executive Officer
$3.00M
@ $104.60 · 2026-02-27
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
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4
Sells (3M)
48
Sells (12M)
Total value (12M): $27.80M
FIPPS PAUL
Officer
$376,142
@ $101.77 · 2026-02-23
FIPPS PAUL
Officer
$1.02M
@ $105.93 · 2026-02-18
MCBRIDE KEVIN THOMAS
Officer
$147,994
@ $105.71 · 2026-02-13
CHAMBERLAIN PAUL EDWARD
Director
$151,755
@ $101.17 · 2026-02-12
MASTANTUONO GINA
President
$352,750
@ $850.00 · 2025-12-05
MASTANTUONO GINA
President
$336,936
@ $808.00 · 2025-11-28
JACKSON LAWRENCE
Director
$214,708
@ $810.22 · 2025-11-28
CHAMBERLAIN PAUL EDWARD
Director
$242,400
@ $808.00 · 2025-11-28
CANNEY JACQUELINE P
Officer
$200,549
@ $839.12 · 2025-11-18
FIPPS PAUL
Officer
$249,353
@ $817.55 · 2025-11-18
TZITZON NICHOLAS
Officer
$431,736
@ $827.08 · 2025-11-18
ELMER RUSSELL S.
General Counsel
$160,155
@ $838.51 · 2025-11-18
MCBRIDE KEVIN THOMAS
Officer
$235,894
@ $842.48 · 2025-11-14
CANNEY JACQUELINE P
Officer
$56,257
@ $852.38 · 2025-11-13
ELMER RUSSELL S.
General Counsel
$52,848
@ $852.39 · 2025-11-13
CANNEY JACQUELINE P
Officer
$222,012
@ $863.86 · 2025-11-10
ELMER RUSSELL S.
General Counsel
$164,997
@ $863.86 · 2025-11-10
SANDS ANITA M
Director
$1.00M
@ $915.11 · 2025-08-29
MCDERMOTT WILLIAM R
Chief Executive Officer
$5.34M
@ $916.63 · 2025-08-28
FIPPS PAUL
Officer
$1.30M
@ $895.32 · 2025-08-20
ELMER RUSSELL S.
General Counsel
$1.50M
@ $884.26 · 2025-08-20
MCDERMOTT WILLIAM R
Chief Executive Officer
$1.43M
@ $900.00 · 2025-08-19
CANNEY JACQUELINE P
Officer
$1.35M
@ $866.45 · 2025-08-18
MASTANTUONO GINA
President
$1.53M
@ $866.45 · 2025-08-18
TZITZON NICHOLAS
Officer
$1.49M
@ $866.45 · 2025-08-18
MCBRIDE KEVIN THOMAS
Officer
$238,496
@ $851.77 · 2025-08-15
CHAMBERLAIN PAUL EDWARD
Director
$258,000
@ $860.00 · 2025-08-14
CANNEY JACQUELINE P
Officer
$57,658
@ $860.57 · 2025-08-13
MASTANTUONO GINA
President
$72,288
@ $860.57 · 2025-08-13
CANNEY JACQUELINE P
Officer
$225,746
@ $878.39 · 2025-08-08
MASTANTUONO GINA
President
$256,490
@ $878.39 · 2025-08-08
JACKSON LAWRENCE
Director
$749,805
@ $990.50 · 2025-07-29
CANNEY JACQUELINE P
Officer
$341,631
@ $965.06 · 2025-07-16
SANDS ANITA M
Director
$250,950
@ $1050.00 · 2025-07-03
MCBRIDE KEVIN THOMAS
Officer
$283,310
@ $1011.82 · 2025-06-03
SANDS ANITA M
Director
$250,267
@ $1009.14 · 2025-06-02
CANNEY JACQUELINE P
Officer
$147,900
@ $1020.00 · 2025-05-30
TZITZON NICHOLAS
Officer
$1.19M
@ $1020.00 · 2025-05-30
MCDERMOTT WILLIAM R
Chief Executive Officer
$2.07M
@ $1012.01 · 2025-05-30
SANDS ANITA M
Director
$433,825
@ $1013.61 · 2025-05-27
BRIGGS TERESA
Director
$216,913
@ $1013.61 · 2025-05-27
LUDDY FREDERIC B
Director
$428,000
@ $1000.00 · 2025-05-23
MASTANTUONO GINA
President
$121,570
@ $1030.25 · 2025-05-19
CANNEY JACQUELINE P
Officer
$96,844
@ $1030.26 · 2025-05-19
ELMER RUSSELL S.
General Counsel
$83,450
@ $1030.25 · 2025-05-19
CHAMBERLAIN PAUL EDWARD
Director
$310,326
@ $1034.42 · 2025-05-15
MASTANTUONO GINA
President
$85,932
@ $1023.00 · 2025-05-13
CANNEY JACQUELINE P
Officer
$67,518
@ $1023.00 · 2025-05-13
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
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😨Fear(38/100)
"Market is pessimistic — investigate whether fears are temporary or structural"
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
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⚪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: Fear (38)
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)