Tryg A/S/DKr TRYG
1D1W1M3M6MYTD1Y5YMAX
Capital at risk
About Tryg A/S
Tryg A/S operates as one of the largest non-life insurance companies in the Nordic region, with its core business encompassing a wide range of insurance products and services for both private and commercial customers. These products include property, casualty, motor, accident, and health insurance solutions. Founded in 1728, Tryg has a long history in the insurance industry, emphasizing stability and extensive experience. The company is headquartered in Ballerup, Denmark, and it serves markets primarily in Denmark, Norway, and Sweden. Tryg's strategic positioning is reinforced by its strong regional presence, comprehensive product offerings, and commitment to operational efficiency, making it a significant player in the Nordic insurance sector.
- Ticker
- DKr TRYG
- Sector
- Finance
- Primary listing
- CSE
- Employees
- 6,758
- Headquarters
- Ballerup, Denmark
- Website
- www.tryg.com
Tryg A/S Metrics
BasicAdvanced
kr 95B
20.66
kr 7.73
0.11
kr 8.50
5.32%
Price and volume
Market cap
kr 95B
Beta
0.11
52-week high
kr 166.80
52-week low
kr 139.00
Average daily volume
834K
Dividend rate
kr 8.50
Financial strength
Current ratio
1.735
Quick ratio
0.992
Long term debt to equity
0.064
Total debt to equity
0.203
Dividend payout ratio (TTM)
106.70%
Interest coverage (TTM)
29.00%
Profitability
EBITDA (TTM)
6,941
Gross margin (TTM)
30.00%
Net profit margin (TTM)
10.84%
Operating margin (TTM)
13.81%
Effective tax rate (TTM)
23.42%
Revenue per employee (TTM)
kr 6,460,000
Management effectiveness
Return on assets (TTM)
3.65%
Return on equity (TTM)
12.48%
Valuation
Price to earnings (TTM)
20.656
Price to revenue (TTM)
2.189
Price to book
2.66
Price to tangible book (TTM)
16.37
Price to free cash flow (TTM)
14.442
Free cash flow yield (TTM)
6.92%
Free cash flow per share (TTM)
11.058
Dividend yield (TTM)
5.32%
Growth
Revenue change (TTM)
3.52%
Earnings per share change (TTM)
-2.86%
3-year revenue growth (CAGR)
2.56%
10-year revenue growth (CAGR)
9.50%
3-year earnings per share growth (CAGR)
8.89%
10-year earnings per share growth (CAGR)
-2.03%
3-year dividend per share growth (CAGR)
5.93%
10-year dividend per share growth (CAGR)
3.37%
What the Analysts think about Tryg A/S
Analyst ratings (Buy, Hold, Sell) for Tryg A/S stock.
Analyst projections of the future price of Tryg A/S stock.
Bulls say / Bears say
Underlying underwriting is improving, not just the headline result: Tryg reported a record Q3 insurance service result of DKK 2.454bn and a 60-basis-point year-on-year improvement in its underlying claims ratio, with notable progress in Norway. (Inderes, Investing.com)
New motor-distribution partnerships with Mercedes-Benz in Sweden, Tesla in Denmark and XPENG in Norway could help Tryg win customers through routes beyond its existing sales channels. (Investing.com)
A stronger capital buffer supports shareholder returns: solvency rose to 203% from 196% in Q2, and the ordinary dividend increased by about 5% to DKK 2.15 per share; Tryg says its capital position supports future remuneration. (Inderes)
A Danish Supreme Court ruling led Tryg to book a DKK 1.2bn workers’ compensation provision in Q2, lifting the reported combined ratio to 88.8%; no state indemnification had been confirmed, leaving investors with a material legal and claims-cost overhang. (Insurance Business, Nasdaq)
Q3’s very low combined ratio benefited from claims below normal levels: weather claims were DKK 83m against DKK 160m of normalised guidance, and large claims were DKK 169m against DKK 200m quarterly guidance. Claims vary from quarter to quarter, so this unusually benign experience may not recur. (Investing.com, Investing.com)
Growth is softening: Q3 revenue rose only 2.3% in local currencies, while commercial business contracted 0.7%; Tryg also lost large commercial customers at January renewals and Danish customers are switching more often than usual. (Inderes)
Data summarised monthly by Lightyear AI. Last updated on 9 Oct 2026.
Tryg A/S Financial Performance
Revenues and expenses
Tryg A/S Earnings Performance
Company profitability
Upcoming events
No upcoming events
Funds containing Tryg A/S
AllEURUSDGBP
Fund name | Fund size | DKr TRYG weighting |
|---|---|---|
iShares STOXX Europe 600 Insurance€A0H08K | €605M | 0.82% |
Xtrackers MSCI Nordic£XDN0 | €1.1B | 0.48% |
iShares STOXX Europe Mid 200€EXSD | €610M | 0.40% |
iShares MSCI Europe Financials Sector£ESIF | €1.7B | 0.21% |
iShares MSCI Europe Financials Sector€ESIF | €1.7B | 0.21% |
Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
Market data provided by CBOE Europe and Deutsche Börse.