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Tryg A/S (TRYG.CO)

DKK154.00 +1.20 (+0.79%)
DK CPH Financial Services Insurance - Diversified
Address Klausdalsbrovej 601 2750
Ballerup, DK
CEO Johan Kirstein Brammer
Website tryg.com
IPO 2005-10-14
ISIN DK0060636678

Explore sections of this company profile

Also trades on NASDAQ Copenhagen · TRYG.CO (DKK) Other OTC · TGVSF (USD)
Description

Tryg A/S, along with its subsidiaries, offers a wide array of insurance products and services tailored for private individuals, corporate clients, and small to medium-sized businesses across Denmark, Norway, and Sweden. The company structures its activities into distinct Private, Commercial, Corporate, and Sweden segments. Its comprehensive portfolio includes coverage for automobiles, homes, contents, travel, and personal accidents, in addition to policies for pets, health, property, liability, transportation, and group life. Furthermore, Tryg provides specialized fire and workers' compensation insurance. These offerings are distributed through a diverse network, leveraging call centers, online platforms, proprietary agents, franchisees, various organizational partnerships, car dealerships, real estate agencies, insurance brokers, and Nordea bank branches. The company operates under numerous brand names, such as Tryg Forsikring, Alka, Enter Forsikring, Moderna, and others. Established in 1731, Tryg A/S maintains its headquarters in Ballerup, Denmark.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
DKK154.00 +1.20 (+0.79%)
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Volume Profile
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Liquidity & share structure
Average Volume
861.2K
Beta
0.08
Float Shares
298.91M
Free Float %
50.2%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
+0.53% -2.90% -1.31% -3.70% -5.45% -8.66% -10.93% -4.86% +5.23% +47.01% +279.94%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From To
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Annual Monthly Returns
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Daily Returns Distribution
vs.
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
154.00
DCF (Unlevered) 386.97 +151.3%
DCF (Levered) 337.28 +119.0%
Ratings Trend (MoM) 50% Bullish
Rating 2026-05 Change
Strong Buy 2 0
Buy 5 0
Hold 6 0
Sell 1 0
Strong Sell 0 0
Quality scores
Altman Z-Score
1.91
Grey zone
Piotroski F-Score
7 / 9
Strong
MOAT Score
6 / 10
Developing
Composite Rating
A-
Overall Score
4 / 5
High
DCF Score
5 / 5
High
ROE Score
4 / 5
High
ROA Score
5 / 5
High
D/E Score
3 / 5
Medium
P/E Score
2 / 5
Medium
P/Book Score
1 / 5
Low
Operational MOAT
✗ Below peers
  • Revenue growth Insurance - Diversified: +13.4%
    +2.8% Q1'26: +4.7% (vs Q1'25)
  • EPS growth Insurance - Diversified: +18.0%
    +14.3% Q1'26: -13.9% (vs Q1'25)
  • FCF margin Insurance - Diversified: +20.2%
    +14.1% Q1'26: +22.9% (vs Q1'25)
  • EBIT margin Insurance - Diversified: +12.6%
    +19.9% Q1'26: +12.1% (vs Q1'25)
  • ROIC Insurance - Diversified: +3.8%
    +14.3% Q1'26: +8.9% (vs Q1'25)
  • Share dilution Insurance - Diversified: +0.5%
    -1.0% Q1'26: -1.4% (vs Q1'25)
  • Debt / EBITDA Insurance - Diversified: 0.00×
    0.62× Q1'26: 1.37× (vs Q1'25)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
WACC components (optional)
Ke (Cost of Equity) = Rf + β (0.09) × ERP
WACC = 94% × Ke + 6% × Kd (18.0%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Intrinsic value (base): 386.97 Current price: 154.00
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

Base values reflect the latest available data for this company and market conditions.

Consensus Estimates
Metric Dec 2015
actual
Dec 2016
actual
Dec 2017
actual
Dec 2018
actual
Dec 2019
actual
Dec 2020
actual
Dec 2021
actual
Dec 2022
actual
Dec 2023
actual
Dec 2024
actual
Dec 2025
actual
Dec 2026
11 Rev. Ana.
10 EPS Ana.
Dec 2027
11 Rev. Ana.
11 EPS Ana.
Dec 2028
10 Rev. Ana.
13 EPS Ana.
Dec 2029
5 Rev. Ana.
11 EPS Ana.
Dec 2030
5 Rev. Ana.
5 EPS Ana.
Revenue
17.10B
est: 18.18B (-5.9%)
17.88B
est: 17.71B (+1.0%)
17.64B
est: 17.97B (-1.8%)
17.50B
est: 18.77B (-6.8%)
22.18B
est: 21.77B (+1.9%)
22.56B
est: 22.54B (+0.1%)
23.91B
est: 24.24B (-1.4%)
33.91B
est: 33.82B (+0.3%)
40.21B
est: 40.93B (-1.8%)
40.26B
est: 38.65B (+4.2%)
41.37B
est: 40.44B (+2.3%)
42.67B
40.68B – 43.93B
+5.5% YoY
44.22B
43.61B – 45.19B
+3.6% YoY
45.73B
45.49B – 45.97B
+3.4% YoY
47.41B
46.00B – 48.63B
+3.7% YoY
41.38B
40.14B – 42.44B
-12.7% YoY
EBITDA
2.41B
est: 3.18B (-24.4%)
3.33B
est: 3.10B (+7.6%)
3.44B
est: 3.14B (+9.6%)
2.44B
est: 3.28B (-25.8%)
4.02B
est: 3.81B (+5.6%)
3.84B
est: 3.94B (-2.6%)
4.29B
est: 4.24B (+1.2%)
4.61B
est: 5.91B (-22.0%)
7.28B
est: 11.92B (-38.9%)
8.36B
est: 11.25B (-25.7%)
9.13B
est: 11.77B (-22.5%)
12.42B
11.84B – 12.79B
+5.5% YoY
12.87B
12.70B – 13.16B
+3.6% YoY
13.31B
13.24B – 13.38B
+3.4% YoY
13.80B
13.39B – 14.15B
+3.7% YoY
12.04B
11.69B – 12.35B
-12.7% YoY
EBIT
2.41B
est: 2.85B (-15.5%)
3.33B
est: 2.77B (+20.2%)
3.35B
est: 2.81B (+18.9%)
2.40B
est: 2.94B (-18.3%)
3.79B
est: 3.41B (+11.2%)
3.60B
est: 3.53B (+1.9%)
4.05B
est: 3.80B (+6.6%)
3.83B
est: 5.30B (-27.8%)
6.31B
est: 10.62B (-40.5%)
7.43B
est: 10.02B (-25.9%)
8.23B
est: 10.49B (-21.5%)
11.07B
10.55B – 11.39B
+5.5% YoY
11.47B
11.31B – 11.72B
+3.6% YoY
11.86B
11.80B – 11.92B
+3.4% YoY
12.29B
11.93B – 12.61B
+3.7% YoY
10.73B
10.41B – 11.01B
-12.7% YoY
Net Income
1.97B
est: 3.06B (-35.6%)
2.47B
est: 4.18B (-40.8%)
2.52B
est: 4.20B (-40.1%)
1.73B
est: 2.94B (-41.0%)
2.84B
est: 4.42B (-35.7%)
2.77B
est: 4.18B (-33.6%)
3.16B
est: 4.25B (-25.7%)
2.25B
est: 2.59B (-13.2%)
3.79B
est: 4.39B (-13.5%)
4.74B
est: 4.80B (-1.1%)
5.34B
est: 5.17B (+3.2%)
5.10B
3.94B – 5.48B
-1.4% YoY
5.56B
4.57B – 6.11B
+9.1% YoY
5.91B
5.84B – 6.42B
+6.2% YoY
6.57B
6.31B – 6.79B
+11.2% YoY
6.89B
6.63B – 7.12B
+5.0% YoY
SGA
678.00M
708.00M
614.00M
600.00M
623.00M
— – —
— – —
— – —
— – —
— – —
EPS
5.38
est: 4.99 (+7.8%)
6.88
est: 6.82 (+0.9%)
7.10
est: 6.86 (+3.5%)
4.46
est: 4.79 (-6.9%)
7.33
est: 7.21 (+1.6%)
7.15
est: 6.82 (+4.9%)
9.72
est: 6.94 (+40.1%)
3.47
est: 4.23 (-17.9%)
6.08
est: 7.09 (-14.3%)
7.74
est: 7.93 (-2.4%)
8.83
est: 8.69 (+1.7%)
8.42
6.50 – 9.03
-3.1% YoY
9.41
7.55 – 10.08
+11.8% YoY
10.01
9.64 – 10.59
+6.4% YoY
10.83
10.41 – 11.19
+8.2% YoY
11.37
10.93 – 11.75
+5.0% YoY
Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-29 A- 4/5 5/5 4/5 5/5 3/5 2/5 1/5
2026-05-28 A- 4/5 5/5 4/5 5/5 3/5 2/5 1/5
2026-05-27 A- 4/5 5/5 4/5 5/5 3/5 2/5 1/5
2026-05-26 A- 4/5 5/5 4/5 5/5 3/5 2/5 1/5
2026-05-22 A- 4/5 5/5 4/5 5/5 3/5 2/5 1/5
2026-05-21 A- 4/5 5/5 4/5 5/5 3/5 2/5 1/5
2026-05-20 A- 4/5 5/5 4/5 5/5 3/5 2/5 1/5
2026-05-19 A- 4/5 5/5 4/5 5/5 3/5 2/5 1/5
2026-05-18 A- 4/5 5/5 4/5 5/5 3/5 2/5 1/5
2026-05-13 A- 4/5 5/5 4/5 5/5 3/5 2/5 1/5
2026-05-12 A- 4/5 5/5 4/5 5/5 3/5 2/5 1/5
2026-05-11 A- 4/5 5/5 4/5 5/5 3/5 2/5 1/5
2026-05-08 A- 4/5 5/5 4/5 5/5 3/5 2/5 1/5
2026-05-07 A- 4/5 5/5 4/5 5/5 3/5 2/5 1/5
2026-05-06 A- 4/5 5/5 4/5 5/5 3/5 2/5 1/5
2026-05-05 A- 4/5 5/5 4/5 5/5 3/5 2/5 1/5
2026-05-04 A- 4/5 5/5 4/5 5/5 3/5 2/5 1/5
2026-04-30 B+ 3/5 5/5 4/5 5/5 2/5 2/5 1/5
2026-04-29 B+ 3/5 5/5 4/5 5/5 2/5 2/5 1/5
2026-04-28 B+ 3/5 5/5 4/5 5/5 2/5 2/5 1/5
2026-04-27 B+ 3/5 5/5 4/5 5/5 2/5 2/5 1/5
2026-04-24 B+ 3/5 5/5 4/5 5/5 2/5 2/5 1/5
2026-04-23 B+ 3/5 5/5 4/5 5/5 2/5 2/5 1/5
2026-04-22 B+ 3/5 5/5 4/5 5/5 2/5 2/5 1/5
2026-04-21 A- 4/5 5/5 4/5 5/5 2/5 2/5 2/5
2026-04-20 A- 4/5 5/5 4/5 5/5 2/5 2/5 2/5
2026-04-17 A- 4/5 5/5 4/5 5/5 2/5 2/5 2/5
2026-04-16 A- 4/5 5/5 4/5 5/5 2/5 2/5 2/5
2026-04-15 A- 4/5 5/5 4/5 5/5 2/5 2/5 2/5
2026-04-14 A- 4/5 5/5 4/5 5/5 2/5 2/5 2/5
2026-04-13 A- 4/5 5/5 4/5 5/5 2/5 2/5 2/5
2026-04-10 A- 4/5 5/5 4/5 5/5 2/5 2/5 2/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
5.34B
OE per share TTM
8.80
Owner's Yield
5.90%
Maintenance CapEx ratio
15.02%
Maint CapEx / Avg PPE
2.8%

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
Total invested
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions

No recent insider transactions.

Executive team

Top executives
EBIT / Employee
1.21M
Shares Outstanding
595.90M

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)

No proxy statements available for this company yet.

Recent SEC filings

Recent SEC filings

No SEC filings available for this company yet.

Executive team

NameTitleCompensationGender
Johan Kirstein Brammer Group Chief Executive Officer & Member of Executive Board 24M male
Lars Ulrik Bonde Group Chief Operating Officer & Member of Executive Board 11M male
Allan Kragh Thaysen Chief Financial Officer & Member of Executive Board 10M male
Alexandra Bastkaer Winther Group Chief Commercial Officer & Member of Executive Board 10M female
Mikael Karrsten Group Chief Technical Officer & Member of Executive Board 7M male
Jens Galsgaard Chief Internal Auditor male
Gianandrea Roberti Investor Relations Officer male
ESG Score History

No data available for this company.

Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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Dividend yield history

Dividend history

Earnings history

Earnings reports

Stock splits