Tryg A/S

LSE:0R78 Stock Report

Market Cap: DKK 92.0b

Tryg Valuation

Is 0R78 undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

2/6

Valuation Score 2/6

  • Below Future Cash Flow Value

  • Significantly Below Future Cash Flow Value

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Analyst Forecast

Share Price vs Future Cash Flow Value

What is the Fair Price of 0R78 when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Ultimate guide to DCF valuation for stock investing

Learn how to determine fair value like the best investors in the world.

Below Future Cash Flow Value: 0R78 (DKK154.4) is trading below our estimate of future cash flow value (DKK217.27)

Significantly Below Future Cash Flow Value: 0R78 is trading below future cash flow value by more than 20%.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for 0R78?

Key metric: As 0R78 is profitable we use its Price-To-Earnings Ratio for relative valuation analysis.

The above table shows the Price to Earnings ratio for 0R78. This is calculated by dividing 0R78's market cap by their current earnings.
What is 0R78's PE Ratio?
PE Ratio20.4x
EarningsDKK 4.51b
Market CapDKK 92.00b

Price to Earnings Ratio vs Peers

How does 0R78's PE Ratio compare to its peers?

The above table shows the PE ratio for 0R78 vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average11.6x
ADM Admiral Group
14.9x4.74%UK£11.1b
BEZ Beazley
11.2x-5.86%UK£7.6b
HSX Hiscox
13.2x6.00%UK£6.0b
LRE Lancashire Holdings
7.2x-3.12%UK£1.6b
0R78 Tryg
20.4x10.22%DKK 92.0b

Price-To-Earnings vs Peers: 0R78 is expensive based on its Price-To-Earnings Ratio (20.4x) compared to the peer average (11.6x).

Historical Price to Earnings Ratio

Historical Price to Earnings Ratio compares a stock's price to its earnings over time. Higher ratios indicate that investors are willing to pay more for the stock.

Fetching historical data

Price to Earnings Ratio vs Industry

How does 0R78's PE Ratio compare vs other companies in the European Insurance Industry?

1 CompanyPrice / EarningsEstimated GrowthMarket Cap
0R78 20.4xIndustry Avg. 12.9xNo. of Companies12PE0816243240+
1 CompanyEstimated GrowthMarket Cap
No more companies

Price-To-Earnings vs Industry: 0R78 is expensive based on its Price-To-Earnings Ratio (20.4x) compared to the European Insurance industry average (12.9x).

Price to Earnings Ratio vs Fair Ratio

What is 0R78's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

0R78 PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio20.4x
Fair PE Ratio13.8x

Price-To-Earnings vs Fair Ratio: 0R78 is expensive based on its Price-To-Earnings Ratio (20.4x) compared to the estimated Fair Price-To-Earnings Ratio (13.8x).

Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

The above table shows the analyst 0R78 forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
CurrentDKK 154.40
DKK 170.88
+10.67%
6.99%DKK 190.00DKK 152.00n/a15
Jul ’27DKK 147.73
DKK 170.88
+15.67%
6.99%DKK 190.00DKK 152.00n/a15
Jun ’27DKK 149.36
DKK 173.23
+15.98%
6.42%DKK 190.00DKK 155.20n/a14
May ’27DKK 152.30
DKK 173.59
+13.98%
6.29%DKK 190.00DKK 155.20n/a14
Apr ’27DKK 154.90
DKK 172.71
+11.50%
6.68%DKK 190.00DKK 155.20n/a13
Mar ’27DKK 156.70
DKK 172.32
+9.97%
6.79%DKK 190.00DKK 155.20n/a13
Feb ’27DKK 153.10
DKK 173.28
+13.18%
7.08%DKK 190.00DKK 152.70n/a13
Jan ’27DKK 166.17
DKK 174.23
+4.85%
7.31%DKK 190.00DKK 152.00n/a13
Dec ’26DKK 159.19
DKK 173.85
+9.21%
7.43%DKK 190.00DKK 152.00n/a13
Nov ’26DKK 160.19
DKK 174.75
+9.09%
6.83%DKK 190.00DKK 152.00n/a12
Oct ’26DKK 161.02
DKK 174.33
+8.27%
6.37%DKK 190.00DKK 152.00n/a12
Sep ’26DKK 167.85
DKK 175.00
+4.26%
6.39%DKK 190.00DKK 152.00n/a12
Aug ’26DKK 157.66
DKK 175.00
+11.00%
6.39%DKK 190.00DKK 152.00n/a12
Jul ’26DKK 163.71
DKK 173.75
+6.13%
6.00%DKK 188.00DKK 152.00DKK 147.7312
Jun ’26DKK 168.87
DKK 174.31
+3.22%
5.98%DKK 190.00DKK 152.00DKK 149.3613
May ’26DKK 158.90
DKK 175.09
+10.19%
5.89%DKK 190.00DKK 152.00DKK 152.3011
Apr ’26DKK 164.90
DKK 178.68
+8.36%
4.01%DKK 190.00DKK 168.00DKK 154.9011
Mar ’26DKK 157.00
DKK 177.68
+13.17%
4.04%DKK 190.00DKK 166.00DKK 156.7011
Feb ’26DKK 146.54
DKK 177.23
+20.94%
3.47%DKK 187.00DKK 166.00DKK 153.1011
Jan ’26DKK 152.30
DKK 180.23
+18.34%
2.54%DKK 187.00DKK 171.00DKK 166.1711
Dec ’25DKK 162.17
DKK 181.86
+12.14%
4.18%DKK 202.00DKK 171.00DKK 159.1911
Nov ’25DKK 162.89
DKK 180.77
+10.98%
4.60%DKK 200.00DKK 162.00DKK 160.1911
Oct ’25DKK 159.30
DKK 177.81
+11.62%
4.98%DKK 200.00DKK 162.00DKK 161.0212
Sep ’25DKK 149.10
DKK 177.81
+19.25%
4.57%DKK 195.00DKK 162.00DKK 167.8512
Aug ’25DKK 150.20
DKK 177.81
+18.38%
4.57%DKK 195.00DKK 162.00DKK 157.6612
Jul ’25DKK 153.10
DKK 174.42
+13.92%
6.35%DKK 195.00DKK 159.00DKK 163.7112
DKK 170.88
Fair Value
9.6% undervalued intrinsic discount
15
Number of Analysts

Analyst Forecast: Target price is less than 20% higher than the current share price.

Discover undervalued companies

7D

1Y

7D

1Y

7D

1Y

Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2026/07/12 19:59
End of Day Share Price 2026/07/10 00:00
Earnings2026/06/30
Annual Earnings2025/12/31

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.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* 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 25 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.

AnalystInstitution
null nullABG Sundal Collier
Claudia GaspariBarclays
Alessia MagniBarclays