Tryg A/S TRYG.CO
Composite 44/100; the shares have moved about 15% annualised. Names that move more contribute more risk for the same amount invested, and our composite reflects how strong the evidence for this one is right now.
Growth ranks 28/100 — a moderate mark against it.
Income ranks 62/100 — a moderate point in its favour. Momentum ranks 54/100 — a slight point in its favour.
Growth ranks 28/100 — a moderate mark against it. Valuation ranks 38/100 — a moderate mark against it. Quality ranks 46/100 — a slight mark against it.
What the company does Tryg A/S is a diversified insurer operating in Denmark, the Nordics, and select international markets, offering motor, property, liability, and health products under brands such as Trygg-Hansa and Trygg-Hansa. It distributes policies via agents, online, bancassurance, and partnerships, serving private, SME, and corporate customers. Founded in 1731, the group emphasizes multi-channel distribution and brand diversification.
Key financials Tryg reports ROE of 12% and ROA of 4%, with gross, operating, and net margins of 30%, 10%, and 11% respectively. Revenue grew 5% year-over-year, but EPS fell 43%. Debt/equity is 0.19 and net debt/EBITDA is 0.47, supporting a strong balance sheet. Dividend yield is 5% with a payout ratio of 112%, indicating above-average income return.
Stock health Sidera’s overall score is 46/100 (average quality, fairly valued), with strength at 53/100 and income at 66/100. Profitability metrics are solid, but growth and momentum trail peers. The current ratio is 1.79 and FCF yield is 3%, signaling liquidity and cash generation.
Price vs fair value The stock trades at a PREMIUM of 31.70% versus our fair-value estimate of 105.49 and at a discount of 9.89% to the 12-month target of 169.67. - Forward P/E of 20x and PEG of 5.6x suggest valuation is rich relative to growth (Valuation 48.5/100). - EPS growth of -43% weighs on sentiment despite stable margins. - Dividend yield of 5% supports income appeal but payout above 100% limits reinvestment. - Momentum is muted with 12-month return of 2% and RSI at 57.
Looking forward Analysts expect modest multiple expansion to 169.67, contingent on stabilizing earnings growth and margin maintenance. Execution in commercial lines and bancassurance partnerships will be key to closing the valuation gap.
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Data as of 2026-09-03, compiled from third-party sources; errors and delays are possible and figures are not warranted. Investing puts your capital at risk; past performance does not predict future results. We publish our full track record, including the calls that lost, and our conflicts of interest.