Tryg (T2V1) Stock Overview

Provides insurance products and services for private and corporate customers, and small and medium-sized businesses in Denmark, Sweden, the United Kingdom, and Norway. More details

T2V1 fundamental analysis
Snowflake Score
Valuation	2/6
Future Growth	1/6
Past Performance	4/6
Financial Health	5/6
Dividends	4/6

Rewards

Trading at 34.7% below our estimate of its fair value

Earnings are forecast to grow 3.74% per year

Earnings grew by 13.4% over the past year

Risk Analysis

Shares are highly illiquid

Dividend of 5.07% is not well covered by earnings

T2V1 Community Fair Values

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Tryg A/S Competitors

Price History & Performance

Summary of share price highs, lows and changes for Tryg
Historical stock prices
Current Share Price	DKK 21.66
52 Week High	DKK 22.24
52 Week Low	DKK 21.38
Beta	0.15
1 Month Change	n/a
3 Month Change	n/a
1 Year Change	n/a
3 Year Change	n/a
5 Year Change	n/a
Change since IPO	-48.18%

Recent News & Updates

No updates

Recent updates

No updates

Shareholder Returns

	T2V1	DE Insurance	DE Market
7D	1.2%	1.1%	2.7%
1Y	n/a	20.7%	14.6%

Return vs Industry: Insufficient data to determine how T2V1 performed against the German Insurance industry.

Return vs Market: Insufficient data to determine how T2V1 performed against the German Market.

Price Volatility

Is T2V1's price volatile compared to industry and market?
T2V1 volatility
T2V1 Average Weekly Movement	n/a
Insurance Industry Average Movement	3.3%
Market Average Movement	4.9%
10% most volatile stocks in DE Market	12.3%
10% least volatile stocks in DE Market	2.5%

Stable Share Price: T2V1's share price has been volatile over the past 3 months compared to the German market.

Volatility Over Time: Insufficient data to determine T2V1's volatility change over the past year.

About the Company

Founded	Employees	CEO	Website
1731	6,889	Johan Brammer	www.tryg.com

Tryg A/S, together with its subsidiaries, provides insurance products and services for private and corporate customers, and small and medium-sized businesses in Denmark, Sweden, the United Kingdom, and Norway. It operates through Private, Commercial, Corporate, and Other segments. The company provides motorcycles, car, fire and contents, house, accident, travel, motorcycles, pet, health, property, liability, worker’s compensation, transportation, group life, leisure boats and vintage cars, tourist assistance, and credit and guarantee insurance products, as well as marine, aviation, and cargo insurance.

Tryg A/S Fundamentals Summary

How do Tryg's earnings and revenue compare to its market cap?
T2V1 fundamental statistics
Market cap	€13.07b
Earnings (TTM)	€666.49m
Revenue (TTM)	€5.49b

19.6x

P/E Ratio

2.4x

P/S Ratio

Is T2V1 overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
T2V1 income statement (TTM)
Revenue	DKK 40.98b
Cost of Revenue	DKK 27.11b
Gross Profit	DKK 13.87b
Other Expenses	DKK 8.89b
Earnings	DKK 4.98b

Last Reported Earnings

Jun 30, 2025

Next Earnings Date

Oct 10, 2025

Earnings per share (EPS)	8.25
Gross Margin	33.83%
Net Profit Margin	12.14%
Debt/Equity Ratio	15.0%

How did T2V1 perform over the long term?

See historical performance and comparison

Dividends

5.1%

Current Dividend Yield

98%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2025/10/05 08:12
End of Day Share Price	2025/10/03 00:00
Earnings	2025/06/30
Annual Earnings	2024/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

Tryg A/S is covered by 31 analysts. 9 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution
null null	ABG Sundal Collier
Claudia Gaspari	Barclays
Andrew Broadfield	Barclays