Tryg A/S

Tryg A/S

20.94
EUR
+0.08
(+0.38%)
11.90BMarket Cap
Jan 22Next Earn
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
50.22
48.78
46.69
49.81
49.74
45.1
57.17
74.79
41.74
52.41
64.39
65.41
68.41
- -
Basic EPS, GAAP
6.13
6.8
5.38
6.88
7.1
4.46
7.33
9.19
5.51
3.47
6.08
7.83
8.94
- -
Free Cash Flow per Basic Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Dividend per Share
4.12
4.41
6.5
4.77
9.24
7.68
5.26
8.62
4.59
5.83
7.38
7.83
8.22
23.43
Book Value per Share
28.48
29.93
26.59
26.75
32.52
29.23
31.17
31.63
75
67.07
65.35
63.38
65.81
62.78
Tangible Book Value per Share
26.54
27.28
23.72
24.24
29.67
10.57
12.18
13.25
64.25
15.44
13.54
13.33
13.66
11.53
Basic Weighted Avg Shares
386
376
366
359
355
388
388
302
573
647
625
615
605
210
Sales/Revenue/Turnover
19,409
18,336
17,103
17,881
17,644
17,504
22,180
22,562
23,905
33,909
40,213
40,255
41,369
- -
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
- -
- -
- -
- -
98
34
228
241
243
786
968
934
898
- -
Net Income, GAAP
2,369
2,557
1,969
2,471
2,517
1,731
2,843
2,773
3,158
2,247
3,794
4,816
5,405
- -
Effective Tax Rate (%)
20.72
22.86
16.88
23.23
22.23
23.39
21.58
21.69
20.1
26.35
23.42
23.61
25.06
- -
Profit Margin (%)
12.21
13.95
11.51
13.82
14.27
9.89
12.82
12.29
13.21
6.63
9.43
11.96
13.07
- -
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
2,999
3,806
3,346
4,028
5,335
7,357
8,909
9,837
12,223
11,098
9,417
6,617
5,638
7,600
Total Equity
11,107
11,119
9,644
9,437
12,616
11,334
12,084
12,264
49,007
42,501
40,350
38,864
39,619
37,408
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
17.08
18.15
14.58
19.16
16.3
9.92
14.87
12.99
7.73
4.9
9.21
11.89
13.59
- -
Return on Common Equity (%)
21.45
23.01
18.97
25.9
22.83
14.46
24.28
22.78
10.31
4.91
9.16
12.16
13.77
- -

Capital Structure

DKK

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
- -
- -
- -
LT Borrowings
4,829
8,191
7,600
LT Finance Leases
809
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
602
597
596
Market Capitalization
100,073
91,978
88,931

Working Capital

DKK

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
2,864
3,266
3,836
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

DKK

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
30.9%
55.9%
1.94%
Free Cash Flow
- -
- -
- -
Net Income, GAAP
15.1%
18.61%
12.23%
Sales/Revenue/Turnover
10.01%
13.85%
2.77%
Total Cash Common Dividend
12.46%
14.9%
3.24%

Quarterly Revenue

DKK

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
9,606
10,154
11,217
9,278
40,255
2025
10,051
10,785
- -
10,322
41,369
2026
10,522
11,395
- -
- -
- -

Quarterly Earnings Per Share

DKK

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
1.26
19.93
19.54
8.7
7.83
2025
1.81
18.98
- -
16.51
8.94
2026
1.56
11.65
- -
- -
- -

Quarterly Dividends Per Share

DKK

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
1.91
15.03
14.58
14.66
7.83
2025
1.97
15.67
- -
15.58
8.22
2026
2.09
30.37
- -
- -
- -

Company Description

CEO
Johan Kirstein Brammer
Full Time Employees
6,758
Sector
Finance
Industry
Insurance brokers/Services
Address
Klausdalsbrovej 601 Ballerup CR Denmark 2750
IPO Date
Oct 13, 2005
Website
tryg.com
Business
Tryg A/S, operating across Denmark, Norway, and Sweden, delivers a comprehensive array of insurance solutions to individuals, small and medium-sized enterprises, and larger corporate clients. The company structures its operations into distinct segments, including Private, Commercial, Corporate/Industry, and Sweden, catering to diverse customer needs. Tryg’s extensive product portfolio for private customers encompasses coverage for motor vehicles, home and contents, personal accident, travel, pets, and health, alongside specialized options for leisure boats. For its business clientele, offerings extend to property, liability, workers’ compensation, transport, group life, fire and contents, marine, aviation, cargo, credit, guarantee insurance, and surety bonds. The group utilizes a wide network of distribution channels, connecting with customers through call centers, online platforms, dedicated sales agents, franchisees, strategic partnerships including bancassurance agreements with institutions like Danske Bank, car dealerships, real estate agencies, and insurance brokers. Known brands under the Tryg umbrella include Tryg Forsikring, Alka, Enter Forsikring, Trygg-Hansa, Moderna, Moderna Djurförsäkringar, and Bilsport & MC. Tryg has maintained its position as a leading non-life insurer in Scandinavia, being the largest in Denmark and a prominent player in both Sweden and Norway. The company focuses on digital innovation, with over 60% of claims now initiated digitally, and actively integrates climate adaptation into its product development, aiming to align 30 product categories with EU Taxonomy criteria by 2027. Historically rooted in 1731, the modern iteration of the company was established in 2002 and is headquartered in Ballerup, Denmark. In recent years, Tryg has achieved an insurance service result of DKK 7,324 million in 2024 and targets DKK 8.0-8.4 billion by 2027, supported by a combined ratio target of around 81%. The company also launched a DKK 2 billion share buyback program in late 2024.

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