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Side-by-side financial comparison of Travelers Companies (The) (TRV) and US Foods Holding Corp. (USFD). Click either name above to swap in a different company.
Travelers Companies (The) is the larger business by last-quarter revenue ($12.4B vs $9.8B, roughly 1.3× US Foods Holding Corp.). Travelers Companies (The) runs the higher net margin — 20.1% vs 1.9%, a 18.2% gap on every dollar of revenue. On growth, Travelers Companies (The) posted the faster year-over-year revenue change (3.5% vs 3.3%). Over the past eight quarters, Travelers Companies (The)'s revenue compounded faster (5.2% CAGR vs 4.6%).
The Travelers Companies, Inc., commonly known as Travelers, is an American multinational insurance company. It is the second-largest writer of U.S. commercial property and casualty insurance, and the sixth-largest writer of U.S. personal insurance through independent agents. Travelers is incorporated in Minnesota, with headquarters in New York City, and its largest office in Hartford, Connecticut. It has been a component of the Dow Jones Industrial Average since June 8, 2009.
US Foods Holding Corp. is an American food service distributor. It is the second-largest food service distributor in the U.S., after Sysco. The company supplies 250,000 locations including independent restaurants, chain restaurants, healthcare, hospitality, and educational institutions.
TRV vs USFD — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $12.4B | $9.8B |
| Net Profit | $2.5B | $184.0M |
| Gross Margin | — | 17.6% |
| Operating Margin | 25.0% | 3.3% |
| Net Margin | 20.1% | 1.9% |
| Revenue YoY | 3.5% | 3.3% |
| Net Profit YoY | 19.9% | 178.8% |
| EPS (diluted) | $10.96 | $0.82 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q4 25 | $12.4B | $9.8B | ||
| Q3 25 | $12.5B | $10.2B | ||
| Q2 25 | $12.1B | $10.1B | ||
| Q1 25 | $11.8B | $9.4B | ||
| Q4 24 | $12.0B | $9.5B | ||
| Q3 24 | $11.9B | $9.7B | ||
| Q2 24 | $11.3B | $9.7B | ||
| Q1 24 | $11.2B | $8.9B |
| Q4 25 | $2.5B | $184.0M | ||
| Q3 25 | $1.9B | $153.0M | ||
| Q2 25 | $1.5B | $224.0M | ||
| Q1 25 | $395.0M | $115.0M | ||
| Q4 24 | $2.1B | $66.0M | ||
| Q3 24 | $1.3B | $148.0M | ||
| Q2 24 | $534.0M | $198.0M | ||
| Q1 24 | $1.1B | $82.0M |
| Q4 25 | — | 17.6% | ||
| Q3 25 | — | 17.2% | ||
| Q2 25 | — | 17.6% | ||
| Q1 25 | — | 17.3% | ||
| Q4 24 | — | 17.6% | ||
| Q3 24 | — | 17.1% | ||
| Q2 24 | — | 17.6% | ||
| Q1 24 | — | 16.7% |
| Q4 25 | 25.0% | 3.3% | ||
| Q3 25 | 18.8% | 2.8% | ||
| Q2 25 | 15.5% | 3.7% | ||
| Q1 25 | 4.0% | 2.4% | ||
| Q4 24 | 21.6% | 3.2% | ||
| Q3 24 | 13.1% | 2.9% | ||
| Q2 24 | 5.8% | 3.6% | ||
| Q1 24 | 12.2% | 1.8% |
| Q4 25 | 20.1% | 1.9% | ||
| Q3 25 | 15.1% | 1.5% | ||
| Q2 25 | 12.5% | 2.2% | ||
| Q1 25 | 3.3% | 1.2% | ||
| Q4 24 | 17.3% | 0.7% | ||
| Q3 24 | 10.6% | 1.5% | ||
| Q2 24 | 4.7% | 2.0% | ||
| Q1 24 | 10.0% | 0.9% |
| Q4 25 | $10.96 | $0.82 | ||
| Q3 25 | $8.24 | $0.67 | ||
| Q2 25 | $6.53 | $0.96 | ||
| Q1 25 | $1.70 | $0.49 | ||
| Q4 24 | $8.96 | $0.28 | ||
| Q3 24 | $5.42 | $0.61 | ||
| Q2 24 | $2.29 | $0.80 | ||
| Q1 24 | $4.80 | $0.33 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $41.0M |
| Total DebtLower is stronger | — | $5.1B |
| Stockholders' EquityBook value | $32.9B | $4.3B |
| Total Assets | $143.7B | $13.9B |
| Debt / EquityLower = less leverage | — | 1.18× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $41.0M | ||
| Q3 25 | — | $56.0M | ||
| Q2 25 | — | $61.0M | ||
| Q1 25 | — | $101.0M | ||
| Q4 24 | — | $59.0M | ||
| Q3 24 | — | $81.0M | ||
| Q2 24 | — | $405.0M | ||
| Q1 24 | — | $267.0M |
| Q4 25 | — | $5.1B | ||
| Q3 25 | — | $4.8B | ||
| Q2 25 | — | $4.7B | ||
| Q1 25 | — | $4.7B | ||
| Q4 24 | — | $4.8B | ||
| Q3 24 | — | $4.7B | ||
| Q2 24 | — | $4.6B | ||
| Q1 24 | — | $4.6B |
| Q4 25 | $32.9B | $4.3B | ||
| Q3 25 | $31.6B | $4.5B | ||
| Q2 25 | $29.5B | $4.6B | ||
| Q1 25 | $28.2B | $4.6B | ||
| Q4 24 | $27.9B | $4.5B | ||
| Q3 24 | $27.7B | $4.6B | ||
| Q2 24 | $24.9B | $5.0B | ||
| Q1 24 | $25.0B | $4.8B |
| Q4 25 | $143.7B | $13.9B | ||
| Q3 25 | $143.7B | $14.0B | ||
| Q2 25 | $138.9B | $13.8B | ||
| Q1 25 | $136.0B | $13.7B | ||
| Q4 24 | $133.2B | $13.4B | ||
| Q3 24 | $134.6B | $13.5B | ||
| Q2 24 | $129.3B | $13.7B | ||
| Q1 24 | $127.4B | $13.4B |
| Q4 25 | — | 1.18× | ||
| Q3 25 | — | 1.08× | ||
| Q2 25 | — | 1.02× | ||
| Q1 25 | — | 1.02× | ||
| Q4 24 | — | 1.06× | ||
| Q3 24 | — | 1.01× | ||
| Q2 24 | — | 0.92× | ||
| Q1 24 | — | 0.95× |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $2.7B | $293.0M |
| Free Cash FlowOCF − Capex | — | $159.0M |
| FCF MarginFCF / Revenue | — | 1.6% |
| Capex IntensityCapex / Revenue | — | 1.4% |
| Cash ConversionOCF / Net Profit | 1.08× | 1.59× |
| TTM Free Cash FlowTrailing 4 quarters | — | $959.0M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $2.7B | $293.0M | ||
| Q3 25 | $4.2B | $351.0M | ||
| Q2 25 | $2.3B | $334.0M | ||
| Q1 25 | $1.4B | $391.0M | ||
| Q4 24 | $2.1B | $283.0M | ||
| Q3 24 | $3.9B | $270.0M | ||
| Q2 24 | $1.7B | $482.0M | ||
| Q1 24 | $1.5B | $139.0M |
| Q4 25 | — | $159.0M | ||
| Q3 25 | — | $236.0M | ||
| Q2 25 | — | $257.0M | ||
| Q1 25 | — | $307.0M | ||
| Q4 24 | — | $178.0M | ||
| Q3 24 | — | $190.0M | ||
| Q2 24 | — | $413.0M | ||
| Q1 24 | — | $52.0M |
| Q4 25 | — | 1.6% | ||
| Q3 25 | — | 2.3% | ||
| Q2 25 | — | 2.5% | ||
| Q1 25 | — | 3.3% | ||
| Q4 24 | — | 1.9% | ||
| Q3 24 | — | 2.0% | ||
| Q2 24 | — | 4.3% | ||
| Q1 24 | — | 0.6% |
| Q4 25 | — | 1.4% | ||
| Q3 25 | — | 1.1% | ||
| Q2 25 | — | 0.8% | ||
| Q1 25 | — | 0.9% | ||
| Q4 24 | — | 1.1% | ||
| Q3 24 | — | 0.8% | ||
| Q2 24 | — | 0.7% | ||
| Q1 24 | — | 1.0% |
| Q4 25 | 1.08× | 1.59× | ||
| Q3 25 | 2.24× | 2.29× | ||
| Q2 25 | 1.55× | 1.49× | ||
| Q1 25 | 3.44× | 3.40× | ||
| Q4 24 | 0.99× | 4.29× | ||
| Q3 24 | 3.08× | 1.82× | ||
| Q2 24 | 3.14× | 2.43× | ||
| Q1 24 | 1.30× | 1.70× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
TRV
| Business And International Insurance | $6.6B | 53% |
| Personal Insurance | $4.6B | 37% |
| Bond And Specialty Insurance | $1.2B | 9% |
USFD
| Product One | $3.5B | 36% |
| Product Two | $1.7B | 17% |
| Product Three | $1.7B | 17% |
| Product Four | $985.0M | 10% |
| Product Five | $901.0M | 9% |
| Product Six | $580.0M | 6% |
| Product Seven | $485.0M | 5% |
