TRYGC 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

TRYGC fundamental analysis
Snowflake Score
Valuation	2/6
Future Growth	1/6
Past Performance	5/6
Financial Health	5/6
Dividends	3/6

Rewards

Trading at 27.9% below our estimate of its fair value

Earnings are forecast to grow 3.37% per year

Earnings grew by 38.6% over the past year

Risk Analysis

Shares are highly illiquid

Dividend of 5.07% is not well covered by earnings

Significant insider selling over the past 3 months

Community vs My Fair Value

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Tryg A/S Competitors

Admiral Group

LSE:ADM

UK£10.0b

Beazley

LSE:BEZ

UK£5.4b

Hiscox

LSE:HSX

UK£3.9b

Direct Line Insurance Group

LSE:DLG

UK£3.7b

Price History & Performance

Summary of share price highs, lows and changes for Tryg
Historical stock prices
Current Share Price	DKK 160.05
52 Week High	DKK 163.25
52 Week Low	DKK 143.20
Beta	0.12
1 Month Change	8.29%
3 Month Change	10.04%
1 Year Change	10.19%
3 Year Change	2.53%
5 Year Change	-10.69%
Change since IPO	150.47%

Recent updates

Shareholder Returns

	TRYGC	GB Insurance	GB Market
7D	4.2%	2.7%	0.3%
1Y	10.2%	15.6%	0.1%

Return vs Industry: TRYGC underperformed the UK Insurance industry which returned 15.1% over the past year.

Return vs Market: TRYGC exceeded the UK Market which returned -0.4% over the past year.

Price Volatility

Is TRYGC's price volatile compared to industry and market?
TRYGC volatility
TRYGC Average Weekly Movement	n/a
Insurance Industry Average Movement	4.7%
Market Average Movement	5.8%
10% most volatile stocks in GB Market	11.1%
10% least volatile stocks in GB Market	3.2%

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

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

About the Company

Founded	Employees	CEO	Website
1731	6,778	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?
TRYGC fundamental statistics
Market cap	DKK 97.78b
Earnings (TTM)	DKK 5.09b
Revenue (TTM)	DKK 40.96b

19.2x

P/E Ratio

2.4x

P/S Ratio

Is TRYGC overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
TRYGC income statement (TTM)
Revenue	DKK 40.96b
Cost of Revenue	DKK 26.91b
Gross Profit	DKK 14.05b
Other Expenses	DKK 8.97b
Earnings	DKK 5.09b

Last Reported Earnings

Mar 31, 2025

Next Earnings Date

Jul 11, 2025

Earnings per share (EPS)	8.40
Gross Margin	34.31%
Net Profit Margin	12.41%
Debt/Equity Ratio	17.6%

How did TRYGC perform over the long term?

See historical performance and comparison

Dividends

5.1%

Current Dividend Yield

95%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2025/05/12 04:23
End of Day Share Price	2025/05/12 00:00
Earnings	2025/03/31
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 29 analysts. 10 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