Tryg A/S
CSE:TRYG

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Tryg A/S
CSE:TRYG
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Price: 161.8 DKK 1.44% Market Closed
Market Cap: 96.9B DKK
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Intrinsic Value

The intrinsic value of one TRYG stock under the Base Case scenario is 188.81 DKK. Compared to the current market price of 161.8 DKK, Tryg A/S is Undervalued by 14%.

The Intrinsic Value is calculated as the average of DCF and Relative values:

TRYG Intrinsic Value
188.81 DKK
Undervaluation 14%
Intrinsic Value
Price
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Valuation Backtest
Tryg A/S

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Backtest Conclusion
Very Attractive
Current Valuation
+45%
Avg Valuation
-12%
Worst Valuation
-49%
Best Valuation
+45%

Stock is trading at its lowest valuation over the past 5 years.

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Fundamental Analysis

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Tryg A/S

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Business Breakdown

Tryg A/S, based in Denmark, is one of the leading Nordic insurance companies, recognized for its robust commitment to customer service and sustainable growth. Established in 1731, Tryg has evolved to serve millions of customers across the region, offering a wide range of insurance products including property, casualty, health, and life insurance. The company prides itself on its strong market position, with a significant share in Denmark and Norway, which allows it to leverage economies of scale while fostering local expertise. Additionally, Tryg's emphasis on digital innovation has enabled it to enhance customer engagement, streamline operations, and ultimately drive profitability in an inc...

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Financials
Annual
Quarterly
TTM
Annual
Quarterly
TTM

Balance Sheet Decomposition
Tryg A/S

Cash & Short-Term Investments 1.9B
PP&E 1B
Long-Term Investments 66.6B
Other Assets 37.3B
Insurance Policy Liabilities 48.9B
Short Term Debt 1.2B
Long Term Debt 10.6B
Other Liabilities 6.3B
Earnings Calls

In Q3, Tryg reported a 3.9% increase in insurance revenue, primarily from price hikes in the Private and Commercial segments. The pretax result exceeded DKK 2.1 billion, leading to an operating EPS of DKK 2.89. A robust solvency ratio of 202% supports future stability. The combined ratio stood at 78.2%, and the company reiterated guidance for 2024's insurance service result between DKK 7.2 billion and DKK 7.6 billion, with a combined ratio at or below 82%. Despite challenges, customer satisfaction remained high at 86%, indicating solid market positioning.

What is Earnings Call?

Wall St
Price Targets

TRYG Price Targets Summary
Tryg A/S

Wall Street analysts forecast TRYG stock price to rise over the next 12 months.

According to Wall Street analysts, the average 1-year price target for TRYG is 183.51 DKK with a low forecast of 165.64 DKK and a high forecast of 212.1 DKK.

Lowest
Price Target
165.64 DKK
2% Upside
Average
Price Target
183.51 DKK
13% Upside
Highest
Price Target
212.1 DKK
31% Upside
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Dividends

Dividend Yield
Lowest
Average
Highest
Dividend Per Share
N/A
Growth 3Y
Growth 5Y
Growth 10Y
Dividend Safety Score
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Unsafe
Safe
Very
Safe
0
25
50
75
100
Shareholder Yield

Current shareholder yield for TRYG is .

Shareholder yield represents the total return a company provides to its shareholders, calculated as the sum of dividend yield, buyback yield, and debt paydown yield. What is shareholder yield?

Shareholder Yield
Dividend Yield
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Buyback Yield
Lowest
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Highest

Profile

Tryg A/S Logo
Tryg A/S

Country

Denmark

Industry

Insurance

Market Cap

99.5B DKK

Dividend Yield

4.76%

Description

Tryg A/S provides insurance services. The company is the parent company within the Tryg Group (the Group), which supplies insurance services in the Nordic countries. The firm is organized in four business areas, namely Private, Commercial, Industry and Sweden. Private sells insurance products to private individuals in Denmark and Norway. Commercial sells insurance products to small and medium-sized companies in Denmark and Norway. Industry sells insurance products to industrial customers under the Tryg brand in Denmark and Norway and the Moderna brand in Sweden. Sweden sells insurance products to private individuals in Sweden under the Moderna brand name. Tryg A/S manages the Group's branch and subsidiary portfolio through a Danish company Tryg Forsikring A/S.

Contact

Ballerup
Klausdalsbrovej 601
tryg.com

IPO

2005-10-14

Employees

4 674

Officers

Group CEO & Member of Executive Board
Mr. Johan Kirstein Brammer
CFO & Member of Executive Board
Mr. Allan Kragh Thaysen
Group COO & Member of Executive Board
Mr. Lars Ulrik Bonde
Group Chief Commercial Officer & Member of Executive Board
Ms. Alexandra Bastkaer Winther
Group Chief Technical Officer & Member of Executive Board
Mr. Mikael Karrsten
Investor Relations Officer
Mr. Gianandrea Roberti
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Chief Internal Auditor
Mr. Jens Galsgaard
Head of Commercial
Mr. Hans Arnum
Head of Corporate Relations
Ms. Tanja Frederiksen
Investor Relations Manager
Mr. Peter Brondt
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See Also

Discover More
What is the Intrinsic Value of one TRYG stock?

The intrinsic value of one TRYG stock under the Base Case scenario is 188.81 DKK.

Is TRYG stock undervalued or overvalued?

Compared to the current market price of 161.8 DKK, Tryg A/S is Undervalued by 14%.

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