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Tryg A/S/€TRYG

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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

Tryg A/S Metrics

BasicAdvanced
€13B
21.34
€1.03
0.11
€1.14
5.15%

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
Income statement
QuarterlyAnnual
Q3 24
QoQ growth
Revenue
Net income
Profit margin

Tryg A/S Earnings Performance

Company profitability
Earnings per share
QuarterlyAnnual
Q4 23
Q1 24
Q2 24
Q3 24
Q4 24
Actual
Expected
Surprise
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.