Tryg (TGVS.Y) 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

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

Rewards

Trading at 21.6% below our estimate of its fair value

Earnings are forecast to grow 5.59% per year

Risk Analysis

Shares are highly illiquid

Dividend of 5.19% is not well covered by earnings

TGVS.Y 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 5.53
52 Week High	DKK 5.53
52 Week Low	DKK 5.53
Beta	0.097
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	-51.24%

Recent News & Updates

No updates

Recent updates

No updates

Shareholder Returns

	TGVS.Y	US Insurance	US Market
7D	0%	-0.7%	0.07%
1Y	n/a	-1.8%	11.9%

Return vs Industry: Insufficient data to determine how TGVS.Y performed against the US Insurance industry.

Return vs Market: Insufficient data to determine how TGVS.Y performed against the US Market.

Price Volatility

Is TGVS.Y's price volatile compared to industry and market?
TGVS.Y volatility
TGVS.Y Average Weekly Movement	n/a
Insurance Industry Average Movement	3.9%
Market Average Movement	6.6%
10% most volatile stocks in US Market	17.1%
10% least volatile stocks in US Market	3.0%

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

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

About the Company

Founded	Employees	CEO	Website
1731	6,953	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?
TGVS.Y fundamental statistics
Market cap	US$14.83b
Earnings (TTM)	US$755.14m
Revenue (TTM)	US$6.41b

19.6x

P/E Ratio

2.3x

P/S Ratio

Is TGVS.Y overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
TGVS.Y income statement (TTM)
Revenue	DKK 41.14b
Cost of Revenue	DKK 27.32b
Gross Profit	DKK 13.82b
Other Expenses	DKK 8.97b
Earnings	DKK 4.85b

Last Reported Earnings

Sep 30, 2025

Next Earnings Date

Jan 22, 2026

Earnings per share (EPS)	8.04
Gross Margin	33.58%
Net Profit Margin	11.78%
Debt/Equity Ratio	20.5%

How did TGVS.Y perform over the long term?

See historical performance and comparison

Dividends

5.2%

Current Dividend Yield

102%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2025/12/09 04:51
End of Day Share Price	2025/12/02 00:00
Earnings	2025/09/30
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 28 analysts. 8 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
Carl Lofthagen	Berenberg