TRYGC Stock Overview

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

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

Rewards

Trading at 33.3% below our estimate of its fair value

Earnings are forecast to grow 3.7% per year

Earnings have grown 12.8% per year over the past 5 years

Risk Analysis

Dividend of 5.11% is not well covered by earnings or free cash flows

Shares are highly illiquid

My Notes

Capture your thoughts, links and company narrative

Tryg A/S Competitors

Admiral Group

LSE:ADM

UK£7.9b

Beazley

LSE:BEZ

UK£5.1b

Hiscox

LSE:HSX

UK£3.7b

Direct Line Insurance Group

LSE:DLG

UK£3.3b

Price History & Performance

Summary of share price highs, lows and changes for Tryg
Historical stock prices
Current Share Price	DKK 152.25
52 Week High	DKK 163.25
52 Week Low	DKK 138.10
Beta	0.27
1 Month Change	-6.22%
3 Month Change	n/a
1 Year Change	n/a
3 Year Change	-4.93%
5 Year Change	-22.00%
Change since IPO	138.26%

Recent updates

Shareholder Returns

	TRYGC	GB Insurance	GB Market
7D	-1.2%	0.5%	0.6%
1Y	n/a	-5.2%	2.7%

Return vs Industry: Insufficient data to determine how TRYGC performed against the UK Insurance industry.

Return vs Market: Insufficient data to determine how TRYGC performed against the UK Market.

Price Volatility

Is TRYGC's price volatile compared to industry and market?
TRYGC volatility
TRYGC Average Weekly Movement	n/a
Insurance Industry Average Movement	4.1%
Market Average Movement	4.7%
10% most volatile stocks in GB Market	10.4%
10% least volatile stocks in GB Market	2.6%

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	6,600	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, and Norway. It operates through Private, Commercial, Corporate, and Other segments. The company provides car, fire and contents, house, accident, travel, motorcycles, pet, health, property, liability, worker’s compensation, transportation, group life, boat insurance products, 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 93.84b
Earnings (TTM)	DKK 5.08b
Revenue (TTM)	DKK 41.35b

18.5x

P/E Ratio

2.3x

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 41.35b
Cost of Revenue	DKK 27.30b
Gross Profit	DKK 14.05b
Other Expenses	DKK 8.97b
Earnings	DKK 5.08b

Last Reported Earnings

Sep 30, 2024

Next Earnings Date

Jan 23, 2025

Earnings per share (EPS)	8.26
Gross Margin	33.98%
Net Profit Margin	12.30%
Debt/Equity Ratio	16.3%

How did TRYGC perform over the long term?

See historical performance and comparison

Dividends

5.1%

Current Dividend Yield

93%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2024/12/30 20:43
End of Day Share Price	2024/12/27 00:00
Earnings	2024/09/30
Annual Earnings	2023/12/31

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 here.

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 .

Analyst Sources

Tryg A/S is covered by 32 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
Claudia Gaspari	Barclays
Andrew Broadfield	Barclays
Tryfonas Spyrou	Berenberg