Tryg A/S/€TRYG
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Capital at risk
About Tryg A/S
Tryg A/S is a Scandinavian insurance company primarily engaged in providing various insurance products and services. The company's core business spans non-life insurance offerings, including property, casualty, health, and accident insurance for both individuals and corporate clients. Headquartered in Ballerup, Denmark, Tryg operates primarily in Denmark, Norway, and Sweden, making it a significant player within the Nordic region. The company distinguishes itself through a strong digital presence and an emphasis on customer experience, utilizing technology to streamline processes and improve service delivery. Established in 2002, Tryg builds on a heritage of insurance services, contributing to its established reputation in the market.
- Ticker
- €TRYG
- Sector
- Finance
- Primary listing
- XGAT
- Employees
- 6,758
- Headquarters
- Ballerup, Denmark
- Website
- www.tryg.com
Tryg A/S Metrics
BasicAdvanced
€13B
21.34
€1.03
0.11
€1.14
5.15%
Price and volume
Market cap
€13B
Beta
0.11
52-week high
€22.52
52-week low
€19.45
Average daily volume
827K
Dividend rate
€1.14
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)
928.498
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)
€864,150
Management effectiveness
Return on assets (TTM)
3.65%
Return on equity (TTM)
12.48%
Valuation
Price to earnings (TTM)
21.34
Price to revenue (TTM)
2.261
Price to book
2.73
Price to tangible book (TTM)
16.8
Price to free cash flow (TTM)
14.92
Free cash flow yield (TTM)
6.70%
Free cash flow per share (TTM)
1.479
Dividend yield (TTM)
5.15%
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
Tryg’s underlying claims ratio improved by 60 basis points year on year in Q3, helping lift its insurance service result to a record DKK 2,454 million and reduce its combined ratio to 76.8%. This suggests its profitability initiatives are still improving core underwriting. (Nasdaq)
A 203% solvency ratio gives Tryg a strong capital buffer, while its Q3 dividend rose about 5% year on year. The company says this capital position supports future shareholder distributions. (Nasdaq)
Improving retention and distribution partnerships could help revenue growth recover in 2027 as new business takes over from price rises. Goldman Sachs expects Q3’s 2.3% local-currency growth to have marked a trough, though that recovery still needs to be delivered. (Investing.com)
Revenue growth remains modest: it was 2.3% in local currencies in Q3, and commercial revenue slipped as price rises tapered and retention stayed under pressure. Tryg’s roughly 3% full-year growth outlook leaves it needing to show that new business can sustain momentum. (Nasdaq, Investing.com)
A Danish Supreme Court ruling on workers’ compensation led Tryg to book a DKK 1.2 billion pre-tax charge in Q2. The industry has sought state indemnification, but no arrangement has been confirmed, leaving uncertainty around the ruling’s eventual cost. (Insurance Business)
Q3’s unusually low weather and large claims costs helped the combined ratio: those claims were DKK 109 million below Tryg’s expected level. Management has warned that Norway’s strong result may not persist through the tougher autumn and winter claims season. (Tryg, StockAnalysis)
Data summarised monthly by Lightyear AI. Last updated on 1 Nov 2026.
Tryg A/S Financial Performance
Revenues and expenses
Tryg A/S Earnings Performance
Company profitability
Upcoming events
No upcoming events
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.