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Tryg TRYG.CO

Denmark Financial Services
5.4/10
AI Analyst score
142.00 DKK
Last price at analysis date · analyst target 166.67 (+17.4%)
-7.9% (1 year)
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🟡 HOLD — Hold; weakness in earnings and the elevated payout ratio warrant caution until a sustainable recovery is seen.

Tryg A/S is a Danish insurer offering non-life, life, and health insurance to individuals and businesses in the Nordic countries, with a business model based on premium underwriting and risk management. Tryg shows acceptable financial health (ROE 12.15%) and an attractive dividend yield (5.21% net), but earnings growth has collapsed by 43.20% and the 111.49% payout ratio compromises dividend sustainability; valuation (PER 19.06) offers no sufficient margin of safety.

Financial health
5.8
Quality / Moat
5.0
Valuation
3.4
Growth
2.9
Dividend
5.4
Momentum
4.2
Risk & Context
9.1

Detailed metrics

Market and fundamental data as of the analysis date.

💵 Valuation
P/E19.06
Fwd P/E13.32
EV/EBITDA12.16
P/B2.36
P/S1.94
PEG4.50
Market cap84.62 B DKK
Enterprise value87.62 B DKK
🏰 Quality and moat
ROIC (approx.)10.1%
Gross margin30.13%
FCF conversion33%
Operating margin9.97%
📈 Profitability and margins
ROE12.15%
ROA3.78%
Net margin10.49%
FCF2.40 B DKK
FCF yield2.84%
🏦 Solvency and liquidity
Total debt7.26 B DKK
Net debt3.42 B DKK
Cash3.84 B DKK
EBITDA7.21 B DKK
Net debt / EBITDA0.47
D/E19.39
Current ratio1.79
Quick ratio0.98
🚀 Growth
Revenue growth5.30%
Earnings growth-43.20%
EPS (TTM)7.45 DKK
EPS (Fwd)10.66 DKK
💰 Dividend and risk
Dividend yield5.92%
Payout111.5%
Beta0.10
Analyst consensusHold (16)
Target price166.67 DKK
52-week range139.10 DKK – 168.30 DKK
⚠️ Main risk: The 43.20% decline in earnings and a 111.49% payout ratio put the sustainability of the dividend, the stock's main attraction, at risk.
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Full AI report

Generated automatically from the metrics, the macro context and the company's news.

Tryg A/S is a Danish insurer offering non-life, life, and health insurance to individuals and businesses in the Nordic countries, with a business model based on premium underwriting and risk management. Tryg shows acceptable financial health (ROE 12.15%) and an attractive dividend yield (5.21% net), but earnings growth has collapsed by 43.20% and the 111.49% payout ratio compromises dividend sustainability; valuation (PER 19.06) offers no sufficient margin of safety.

Score by category

CategoryScore
Financial health5.8
Quality / Moat5.0
Valuation3.4
Growth2.9
Dividend5.4
Momentum4.2
Risk & Context9.1

OVERALL SCORE: 5.4/10

Context and risks

Moderate regulatory risk in Denmark due to financial supervision and potential changes in insurance regulation. No relevant geopolitical or supply chain exposure.

News considered in the analysis

  • Tryg AS (STU:T2V1) Q2 2026 Earnings Call Highlights: Strong Private Segment Growth Amidst Challenges — Crecimiento sólido en el segmento privado, pero con desafíos que limitan el impacto positivo; la información ya está parcialmente en el precio tras la publicación de resultados.
  • Assessing Tryg (CPSE:TRYG) Valuation After Recent Share Price Weakness And Modest Growth — Análisis de valoración sin información nueva; ruido de mercado.
  • Is It Time To Reassess Tryg (CPSE:TRYG) After Recent Share Price Swings? — Artículo de opinión sobre movimientos de precio; sin hechos nuevos.
  • Tryg AS (TGVSF) Q1 2026 Earnings Call Highlights: Strong Premium Growth and Robust Solvency ... — Resultados del Q1 ya descontados; el crecimiento de primas y la solvencia sólida ya se reflejan en el precio.
  • Assessing Tryg (CPSE:TRYG) After Recent Share Price Weakness — Análisis genérico de valoración; sin catalizadores.

Verdict: Hold; weakness in earnings and the elevated payout ratio warrant caution until a sustainable recovery is seen.

Main risk: The 43.20% decline in earnings and a 111.49% payout ratio put the sustainability of the dividend, the stock's main attraction, at risk.

Other Financial Services companies

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Commonwealth Bank of AustraliaCBA.AX5.6MetLifeMET5.5SCORSCR.PA5.5Blackstone Secured Lending FundBXSL5.4LoewsL5.3LSEGLSEG.L5.3KKR &KKR5.2Arthur J. GallagherAJG5.0

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Automatically generated analysis from fundamental, market and news data. Not personalised financial advice — a research tool, not an individual recommendation. Past performance does not guarantee future results. Last update of this analysis: 2026-09-28. Legal notice, privacy & cookies.