Tryg A/S/€TRYG
1D1W1MYTD1Y5YMAX
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
- 6,829
- Headquarters
- Ballerup, Denmark
- Website
- www.tryg.com
Tryg A/S Metrics
BasicAdvanced
€12B
19.86
€1.00
0.10
€1.12
5.65%
Price and volume
Market cap
€12B
Beta
0.1
52-week high
€22.52
52-week low
€19.45
Average daily volume
501K
Dividend rate
€1.12
Financial strength
Current ratio
1.788
Quick ratio
0.979
Long term debt to equity
0.063
Total debt to equity
0.194
Dividend payout ratio (TTM)
110.59%
Interest coverage (TTM)
25.11%
Profitability
EBITDA (TTM)
963.813
Gross margin (TTM)
30.13%
Net profit margin (TTM)
10.49%
Operating margin (TTM)
14.36%
Effective tax rate (TTM)
24.03%
Revenue per employee (TTM)
€856,120
Management effectiveness
Return on assets (TTM)
3.78%
Return on equity (TTM)
12.15%
Valuation
Price to earnings (TTM)
19.862
Price to revenue (TTM)
2.041
Price to book
2.47
Price to tangible book (TTM)
16.84
Price to free cash flow (TTM)
12.32
Free cash flow yield (TTM)
8.12%
Free cash flow per share (TTM)
1.615
Dividend yield (TTM)
5.65%
Growth
Revenue change (TTM)
4.48%
Earnings per share change (TTM)
-7.98%
3-year revenue growth (CAGR)
2.35%
10-year revenue growth (CAGR)
9.90%
3-year earnings per share growth (CAGR)
10.81%
10-year earnings per share growth (CAGR)
0.35%
3-year dividend per share growth (CAGR)
6.88%
10-year dividend per share growth (CAGR)
3.25%
Bulls say / Bears say
Tryg delivered 3.3% Q2 insurance revenue growth in local currencies, led by strong performance in Norway, reflecting effective pricing and profitability initiatives. (Reuters)
Q2 pretax profit of DKK 1,076 million beat the consensus estimate of DKK 939 million, demonstrating resilience despite provision headwinds. (Reuters)
Despite recognising a DKK 1.2 billion one-off provision, Tryg maintained its ordinary dividend and share buyback programme, underlining strong capital generation. (Reuters)
The DKK 1.2 billion workers’ compensation provision significantly weighed on Q2 insurance service result and profit, highlighting exposure to judicial risks. (Reuters)
The reported combined ratio of 88.8% in Q2 remains elevated, indicating pressure on underwriting margins from higher claims and one-off charges. (Reuters)
Management warned that growth in the upper part of the commercial segment is likely to be more limited in 2026, signaling potential headwinds in its corporate business. (Reuters)
Data summarised monthly by Lightyear AI. Last updated on 8 Sept 2026.
Upcoming events
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Market data provided by CBOE Europe and Deutsche Börse.