Tryg A/S

TRYG · CO · Financial Services / Insurance - Diversified

167.90DKK+2.60 (+1.57%)

Price History

Full chart

Market Stats

Previous Close165.30

Open165.50

Day Range165.50 – 167.90

52-Week Range136.99 – 166.10

Volume854.30K

Market Cap96.65B

P/E (TTM)20.79

Forward P/E19.80

EPS7.80

Dividend Yield5.30%

Beta0.11

50-Day Avg152.36

200-Day Avg153.00

About

Tryg A/S, together with its subsidiaries, engages in the provision of insurance products and services to private, small and medium sized commercial, and corporate customers in Denmark, the United States, rest of Nordic, Luxembourg, the United Kingdom, and internationally. It operates through Private and Commercial segments. The company offers insurance products, such as motor, content, house, accident, travel, motorcycle, and pet and health, as well as property, liability, workers' compensation, and health under the Trygg-Hansa, Atlantica, Bilsport & MC, and Moderna Djurförsäkringar brands. It sells its products through its sales agents, online, call centers, franchises, bancassurance, car dealers, real estate agents, insurance brokers, and partners. The company was founded in 1731 and is headquartered in Ballerup, Denmark.

Company Details

SectorFinancial Services
IndustryInsurance - Diversified
CEOMr. Johan Kirstein Brammer
Employees6.76K
HeadquartersKlausdalsbrovej 601, Ballerup, Denmark, 2750, Denmark
Websitehttps://www.tryg.com

Leadership

Mr. Johan Kirstein BrammerGroup CEO & Member of Executive Board · b. 1976
Mr. Allan Kragh ThaysenCFO & Member of Executive Board · b. 1977
Mr. Lars Ulrik BondeGroup COO & Member of Executive Board · b. 1965
Mr. Mikael KarrstenGroup Chief Technical Officer & Member of Executive Board · b. 1975
Ms. Alexandra Bastkaer WintherGroup Chief Commercial Officer & Member of Executive Board · b. 1985
Mr. Gianandrea RobertiInvestor Relations Officer
Mr. Jens GalsgaardChief Internal Auditor

Financials

Income Statement

Currency: DKK	2002-12-31	2003-12-31	2004-12-31	2005-12-31	2006-12-31	2007-12-31	2008-12-31	2009-12-31	2010-12-31	2011-12-31	2012-12-31	2013-12-31	2014-12-31	2015-12-31	2016-12-31	2017-12-31	2018-12-31	2019-12-31	2020-12-31	2021-12-31	2022-12-31	2023-12-31	2024-12-31	2025-12-31

Currency: DKK	2002-12-31	2003-12-31	2004-12-31	2005-12-31	2006-12-31	2007-12-31	2008-12-31	2009-12-31	2010-12-31	2011-12-31	2012-12-31	2013-12-31	2014-12-31	2015-12-31	2016-12-31	2017-12-31	2018-12-31	2019-12-31	2020-12-31	2021-12-31	2022-12-31	2023-12-31	2024-12-31	2025-12-31
Total Revenue	14.81B	16.52B	16.09B	17.08B	16.62B	16.01B	16.76B	17.67B	18.68B	19.34B	20.11B	19.41B	18.34B	17.12B	17.88B	17.64B	17.50B	22.18B	22.56B	23.91B	33.91B	40.21B	40.26B	41.37B
Growth (%)	-	+11.54%	-2.64%	+6.17%	-2.71%	-3.68%	+4.73%	+5.40%	+5.74%	+3.50%	+4.01%	-3.48%	-5.56%	-6.63%	+4.45%	-1.33%	-0.79%	+26.71%	+1.73%	+5.95%	+41.85%	+18.59%	+0.10%	+2.77%
Cost of Revenue	-	-	1.23B	273.00M	102.00M	95.00M	2.32B	2.13B	2.31B	2.37B	-100.00M	-112.00M	-115.00M	-95.00M	-113.00M	-107.00M	2.33B	2.72B	290.00M	223.00M	421.00M	3.37B	3.53B	3.35B
Gross Profit	-	-	14.86B	16.81B	16.52B	15.91B	16.76B	17.67B	18.68B	16.97B	20.21B	19.53B	18.45B	17.21B	17.99B	17.75B	15.17B	19.46B	22.27B	23.68B	33.49B	36.85B	36.72B	38.02B
Gross Margin	-	-	92.39%	98.40%	99.39%	99.41%	100.00%	100.00%	100.00%	87.75%	100.50%	100.58%	100.63%	100.55%	100.63%	100.61%	86.68%	87.72%	98.71%	99.07%	98.76%	91.63%	91.23%	91.91%
Operating Expense	-	-	12.81B	13.89B	12.81B	12.80B	15.32B	14.92B	17.73B	15.37B	17.07B	16.43B	15.02B	14.74B	14.66B	14.41B	12.91B	15.83B	18.73B	19.73B	30.44B	31.82B	30.42B	30.81B
Operating Income	-	866.00M	2.05B	2.91B	3.71B	3.11B	1.45B	2.75B	954.00M	1.60B	3.15B	3.10B	3.43B	2.47B	3.33B	3.34B	2.26B	3.63B	3.54B	3.95B	3.05B	5.03B	6.30B	7.21B
Operating Margin	-	5.24%	12.75%	17.06%	22.32%	19.42%	8.63%	15.55%	5.11%	8.29%	15.64%	15.97%	18.69%	14.43%	18.63%	18.95%	12.92%	16.35%	15.69%	16.54%	8.99%	12.50%	15.66%	17.43%
EBITDA	-	-	2.05B	2.98B	3.80B	3.20B	1.56B	2.85B	1.21B	1.68B	3.25B	7.00M	71.00M	-8.00M	3.51B	3.44B	2.44B	4.02B	3.84B	4.29B	4.61B	7.76B	8.36B	9.13B
EBITDA Margin	-	-	12.75%	17.45%	22.89%	19.97%	9.29%	16.12%	6.45%	8.70%	16.14%	0.04%	0.39%	-0.05%	19.65%	19.50%	13.92%	18.13%	17.02%	17.94%	13.60%	19.30%	20.77%	22.06%
Net Income	-	-	1.42B	2.10B	3.21B	2.27B	846.00M	2.01B	593.00M	1.14B	2.21B	2.37B	2.56B	1.98B	2.47B	2.52B	1.73B	2.84B	2.77B	3.16B	2.25B	3.79B	4.74B	5.34B
Net Income Margin	-	-	8.83%	12.28%	19.32%	14.16%	5.05%	11.36%	3.17%	5.90%	10.98%	12.20%	13.95%	11.57%	13.82%	14.27%	9.89%	12.82%	12.29%	13.21%	6.63%	9.43%	11.78%	12.90%
Interest Expense	0	0	638.00M	68.00M	94.00M	88.00M	100.00M	116.00M	96.00M	113.00M	100.00M	112.00M	115.00M	95.00M	113.00M	107.00M	140.00M	165.00M	57.00M	91.00M	776.00M	1.28B	1.13B	1.02B
Interest Expense % of Total Revenue	0.00%	0.00%	3.97%	0.40%	0.57%	0.55%	0.60%	0.66%	0.51%	0.58%	0.50%	0.58%	0.63%	0.55%	0.63%	0.61%	0.80%	0.74%	0.25%	0.38%	2.29%	3.20%	2.79%	2.46%

Balance Sheet

Currency: DKK	2002-12-31	2003-12-31	2004-12-31	2005-12-31	2006-12-31	2007-12-31	2008-12-31	2009-12-31	2010-12-31	2011-12-31	2012-12-31	2013-12-31	2014-12-31	2015-12-31	2016-12-31	2017-12-31	2018-12-31	2019-12-31	2020-12-31	2021-12-31	2022-12-31	2023-12-31	2024-12-31	2025-12-31

Currency: DKK	2002-12-31	2003-12-31	2004-12-31	2005-12-31	2006-12-31	2007-12-31	2008-12-31	2009-12-31	2010-12-31	2011-12-31	2012-12-31	2013-12-31	2014-12-31	2015-12-31	2016-12-31	2017-12-31	2018-12-31	2019-12-31	2020-12-31	2021-12-31	2022-12-31	2023-12-31	2024-12-31	2025-12-31
Total Assets	29.83B	31.36B	37.82B	40.81B	42.78B	43.83B	38.45B	44.74B	50.59B	53.22B	54.31B	53.37B	52.22B	51.28B	49.86B	51.37B	56.55B	59.06B	60.92B	100.58B	113.39B	112.94B	104.38B	103.67B
Total Liabilities	25.55B	26.00B	31.02B	32.60B	32.83B	33.82B	30.20B	35.07B	42.13B	44.21B	43.33B	42.26B	41.10B	41.45B	40.42B	38.75B	45.21B	46.98B	48.65B	51.57B	70.89B	72.59B	65.51B	64.05B
Total Equity	4.27B	5.36B	6.80B	8.21B	9.95B	10.01B	8.24B	9.67B	8.46B	9.01B	10.98B	11.11B	11.12B	9.83B	9.44B	12.62B	11.33B	12.08B	12.26B	49.01B	42.50B	40.35B	38.86B	39.62B
Cash	735.00M	558.00M	490.00M	543.00M	338.00M	298.00M	282.00M	512.00M	857.00M	402.00M	504.00M	553.00M	505.00M	471.00M	475.00M	509.00M	627.00M	868.00M	1.39B	802.00M	2.66B	3.13B	2.12B	2.86B
Total Debt	-	-	2.64B	1.88B	1.76B	3.81B	1.81B	2.20B	5.99B	1.60B	1.61B	2.62B	3.92B	3.05B	4.48B	4.43B	7.49B	9.06B	9.97B	12.36B	11.28B	12.61B	6.62B	5.64B
Net Debt	-	-	2.15B	1.43B	1.43B	3.51B	1.53B	3.19B	5.13B	5.11B	3.19B	2.07B	3.42B	2.58B	4.00B	5.13B	6.86B	8.20B	8.58B	11.56B	8.62B	9.48B	4.49B	2.77B

Cash Flow

Currency: DKK	2004-12-31	2005-12-31	2006-12-31	2007-12-31	2008-12-31	2009-12-31	2010-12-31	2011-12-31	2012-12-31	2013-12-31	2014-12-31	2015-12-31	2016-12-31	2017-12-31	2018-12-31	2019-12-31	2020-12-31	2021-12-31	2022-12-31	2023-12-31	2024-12-31	2025-12-31

Currency: DKK	2004-12-31	2005-12-31	2006-12-31	2007-12-31	2008-12-31	2009-12-31	2010-12-31	2011-12-31	2012-12-31	2013-12-31	2014-12-31	2015-12-31	2016-12-31	2017-12-31	2018-12-31	2019-12-31	2020-12-31	2021-12-31	2022-12-31	2023-12-31	2024-12-31	2025-12-31
Operating Cash Flow	5.18B	4.15B	3.19B	2.68B	1.77B	2.20B	1.61B	2.58B	2.21B	2.37B	2.56B	1.98B	2.47B	2.52B	1.73B	3.63B	3.93B	3.67B	3.15B	6.07B	5.65B	6.87B
Investing Cash Flow	-5.15B	-3.91B	-1.88B	-376.00M	466.00M	-1.60B	1.07B	-2.68B	-2.38B	-192.00M	474.00M	2.20B	258.00M	-2.51B	-510.00M	-1.38B	-1.14B	-39.65B	8.37B	1.09B	129.00M	812.00M
Financing Cash Flow	4.00M	-207.00M	-1.51B	-2.35B	-2.21B	-389.00M	-2.38B	-351.00M	-229.00M	-1.99B	-2.50B	-3.45B	-1.80B	823.00M	-2.44B	-2.01B	-2.27B	35.36B	-6.75B	-6.67B	-6.77B	-6.96B
Capital Expenditure	74.00M	137.00M	423.00M	203.00M	1.10B	166.00M	241.00M	68.00M	54.00M	6.00M	245.00M	46.00M	136.00M	140.00M	5.73B	69.00M	37.00M	22.00M	50.00M	69.00M	828.00M	487.00M
Free Cash Flow	5.10B	4.01B	2.76B	2.48B	674.00M	2.03B	1.37B	2.51B	2.15B	2.36B	2.31B	1.94B	2.33B	2.38B	-4.00B	3.56B	3.90B	3.65B	3.10B	6.00B	4.82B	6.38B
Dividends Paid	50.00M	650.00M	1.43B	2.24B	1.16B	442.00M	991.00M	256.00M	400.00M	1.59B	1.66B	2.38B	1.71B	3.28B	2.98B	2.04B	2.60B	2.63B	3.77B	4.61B	4.82B	4.97B
FCF to OCF	98.57%	96.70%	86.72%	92.43%	38.04%	92.44%	85.04%	97.36%	97.55%	99.75%	90.42%	97.68%	94.50%	94.44%	-231.14%	98.10%	99.06%	99.40%	98.41%	98.86%	85.34%	92.91%
Dividend Paid to FCF	0.98%	16.19%	51.68%	90.59%	171.51%	21.77%	72.34%	10.20%	18.57%	67.46%	71.63%	123.00%	73.40%	137.95%	-74.48%	57.27%	66.73%	72.09%	121.61%	76.81%	99.90%	77.91%

Earnings

Report Date	Nov 23, 2005	May 11, 2006	Aug 17, 2006	Nov 9, 2006	May 9, 2007	Aug 16, 2007	Nov 23, 2007	Feb 25, 2008	Aug 19, 2008	Nov 11, 2008	May 12, 2009	Aug 18, 2009	Nov 10, 2009	Feb 27, 2010	May 21, 2010	Aug 17, 2010	Nov 15, 2010	Feb 9, 2011	May 11, 2011	Aug 18, 2011	Nov 10, 2011	Feb 8, 2012	May 14, 2012	Aug 14, 2012	Nov 8, 2012	Feb 7, 2013	Apr 30, 2013	Jul 10, 2013	Oct 10, 2013	Jan 30, 2014	Apr 10, 2014	Jul 10, 2014	Oct 10, 2014	Jan 28, 2015	Apr 15, 2015	Jul 3, 2015	Oct 9, 2015	Jan 21, 2016	Apr 12, 2016	Jul 12, 2016	Oct 11, 2016	Jan 20, 2017	Apr 7, 2017	Jul 11, 2017	Oct 10, 2017	Jan 23, 2018	Apr 11, 2018	Jul 10, 2018	Oct 11, 2018	Jan 22, 2019	Apr 10, 2019	Jul 10, 2019	Oct 10, 2019	Jan 22, 2020	Apr 21, 2020	Jul 9, 2020	Oct 9, 2020	Jan 26, 2021	Apr 16, 2021	Jul 9, 2021	Oct 12, 2021	Jan 25, 2022	Apr 26, 2022	Jul 12, 2022	Oct 13, 2022	Jan 26, 2023	Apr 20, 2023	Jul 11, 2023	Oct 13, 2023	Jan 25, 2024	Apr 17, 2024	Jul 11, 2024	Oct 11, 2024	Jan 22, 2025	Apr 10, 2025	Jul 11, 2025	Oct 9, 2025	Jan 21, 2026	Apr 15, 2026	Jul 10, 2026	Oct 8, 2026	Oct 9, 2026	Jan 22, 2027
EPS Estimate	1.73	1.46	1.26	2.24	1.72	1.94	1.67	1.45	0.87	1.83	1.04	1.89	2.02	1.26	1.23	1.12	0.90	1.25	1.07	-	-	1.23	1.51	1.25	1.92	1.37	-	1.37	2.21	-	1.61	2.25	1.82	1.68	2.08	2.04	1.32	1.79	1.31	2.21	2.25	2.10	1.79	2.48	2.36	1.96	1.40	2.00	2.05	1.20	2.21	2.54	2.18	2.23	-0.51	3.52	3.08	2.93	1.21	1.80	1.79	1.71	1.10	1.13	1.67	2.14	1.69	2.04	1.67	1.99	1.64	2.80	2.99	1.78	1.81	2.79	2.69	2.28	1.76	2.41	2.71	2.71	2.50
EPS Actual	2.12	1.56	1.65	2.70	1.50	2.52	1.44	1.24	1.06	0.70	1.00	2.23	1.67	0.27	-0.28	0.42	0.84	1.18	0.90	0.93	0.42	1.04	1.84	1.72	2.46	1.18	1.46	1.41	2.35	1.49	1.54	3.40	2.00	1.91	1.78	1.92	0.50	2.51	1.58	2.61	2.65	2.03	2.21	2.60	2.44	1.87	1.41	1.88	2.07	0.37	2.51	2.59	1.99	2.33	-1.33	3.86	3.08	3.46	2.58	1.77	1.59	2.10	0.21	0.97	1.28	2.00	1.70	1.77	1.73	2.12	1.54	2.93	2.89	1.54	2.09	2.80	2.72	2.38	1.85	1.71	2.96	-	-
Surprise	22.54%	6.85%	30.95%	20.54%	-12.79%	29.90%	-13.77%	-14.48%	21.84%	-61.75%	-3.85%	17.99%	-17.33%	-78.57%	-122.76%	-62.50%	-6.67%	-5.60%	-15.89%	-	-	-15.45%	21.85%	37.60%	28.13%	-13.87%	-	2.92%	6.33%	-	-4.35%	51.11%	9.89%	13.69%	-14.42%	-5.88%	-62.12%	40.22%	20.61%	18.10%	17.78%	-3.33%	23.46%	4.84%	3.39%	-4.59%	0.71%	-6.00%	0.98%	-69.17%	13.57%	1.97%	-8.72%	4.48%	-160.78%	9.66%	0.00%	18.09%	113.22%	-1.67%	-11.17%	22.81%	-80.91%	-14.16%	-23.35%	-6.54%	0.59%	-13.24%	3.59%	6.53%	-6.10%	4.64%	-3.34%	-13.48%	15.47%	0.36%	1.12%	4.39%	5.11%	-29.05%	9.23%	-	-
Timing	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	After-hours	After-hours	Pre-market	Pre-market	After-hours	-	-	After-hours	Pre-market	Pre-market	-	-	-	Pre-market	Pre-market	-	-	Pre-market	Pre-market	Pre-market	Pre-market	After-hours	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	After-hours	After-hours	Pre-market	After-hours	After-hours	Pre-market	Pre-market	After-hours	After-hours	After-hours

Key Statistics & Ratios

Market Cap96.65B

Enterprise Value100.54B

Trailing P/E20.79

Forward P/E19.80

PEG Ratio5.22

Price / Sales2.21

Price / Book2.61

EPS7.80

Book Value59.97

Revenue (TTM)43.66B

Gross Profit (TTM)13.10B

EBITDA6.94B

Profit Margin10.84%

Operating Margin19.50%

Return on Equity12.48%

Return on Assets3.65%

Shares Outstanding595.87M

Shares Float298.39M

Beta0.11

Dividend Yield5.30%

Dividend Rate8.60

Payout Ratio95.51%

Dividends

20264×

2.15Oct 12, 20262.15Jul 13, 20262.15Apr 16, 20262.05Jan 23, 2026

20254×

2.05Oct 13, 20252.05Jul 14, 20252.05Apr 14, 20251.95Jan 24, 2025

20244×

1.95Oct 14, 20241.95Jul 12, 20241.95Apr 18, 20241.85Jan 26, 2024

20234×

1.85Oct 16, 20231.85Jul 12, 20231.85Apr 21, 20231.60Jan 27, 2023

20225×

1.58Oct 14, 20221.56Jul 13, 20221.55Apr 27, 20221.55Apr 18, 20221.07Jan 26, 2022

20213×

1.07Oct 13, 20211.07Jul 12, 20211.07Apr 19, 2021

Stock Splits

Mar 4, 2021221:172
May 12, 20155:1