Stock TRYG TRYG A/S
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Financials Tryg A/S

Equities

TRYG

DK0060636678

Property & Casualty Insurance

Market Closed - Nasdaq Copenhagen
Other stock markets
 10:59:31 2024-04-26 am EDT 		5-day change 1st Jan Change
138.1 DKK +1.17% Intraday chart for Tryg A/S +1.62% -5.99%
Apr. 17 Transcript : Tryg A/S, Q1 2024 Earnings Call, Apr 17, 2024
Apr. 17 Tryg A/S Announces Quarterly Dividend CI

Valuation

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Capitalization 1 59,661 57,966 105,551 104,851 90,742 84,992 - -
Enterprise Value (EV) 1 64,980 57,966 105,551 111,935 97,314 89,208 89,208 89,208
P/E ratio 21 x 20.9 x 29.3 x 47.7 x 24.2 x 17.2 x 15.7 x 14.6 x
Yield 4.28% 3.64% 2.65% 3.8% 5.04% 5.89% 6.18% 6.47%
Capitalization / Revenue 2.74 x 2.56 x 4.37 x 3.09 x 2.44 x 2.18 x 2.1 x 2.04 x
EV / Revenue 2.99 x 2.56 x 4.37 x 3.3 x 2.62 x 2.29 x 2.2 x 2.14 x
EV / EBITDA - - - - - - - -
EV / FCF 18.2 x 14.9 x 28.9 x 580 x 16.2 x 15.4 x 14.8 x 14.2 x
FCF Yield 5.48% 6.72% 3.46% 0.17% 6.16% 6.48% 6.77% 7.06%
Price to Book 4.93 x 4.73 x 2.15 x 2.47 x 2.25 x 2.17 x 2.18 x 2.16 x
Nbr of stocks (in thousands) 302,082 301,750 653,564 634,118 617,710 615,436 - -
Reference price 2 197.5 192.1 161.5 165.4 146.9 138.1 138.1 138.1
Announcement Date 1/22/20 1/26/21 1/25/22 1/26/23 1/25/24 - - -
1DKK in Million2DKK
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Net sales 1 21,741 22,653 24,137 33,938 37,135 39,008 40,473 41,758
EBITDA - - - - - - - -
EBIT 1 3,237 3,495 3,709 6,177 6,399 7,381 7,909 8,367
Operating Margin 14.89% 15.43% 15.37% 18.2% 17.23% 18.92% 19.54% 20.04%
Earnings before Tax (EBT) 1 3,628 3,541 4,093 3,051 5,029 6,480 7,041 7,458
Net income 1 2,843 2,773 3,158 2,247 3,851 4,936 5,383 5,724
Net margin 13.08% 12.24% 13.08% 6.62% 10.37% 12.65% 13.3% 13.71%
EPS 2 9.420 9.190 5.510 3.470 6.080 8.022 8.815 9.439
Free Cash Flow 1 3,562 3,895 3,648 193 5,998 5,783 6,039 6,296
FCF margin 16.38% 17.19% 15.11% 0.57% 16.15% 14.83% 14.92% 15.08%
FCF Conversion (EBITDA) - - - - - - - -
FCF Conversion (Net income) 125.29% 140.46% 115.52% 8.59% 155.75% 117.15% 112.19% 109.99%
Dividend per Share 2 8.450 7.000 4.280 6.290 7.400 8.139 8.531 8.931
Announcement Date 1/22/20 1/26/21 1/25/22 1/26/23 1/25/24 - - -
1DKK in Million2DKK
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: December 2021 Q4 2022 Q1 2022 Q2 2022 Q3 2022 Q4 2023 Q1 2023 Q2 2023 Q3 2023 Q4 2024 Q2 2024 Q3 2024 Q4 2025 Q1 2025 Q2
Net sales 1 6,041 6,276 9,257 9,363 9,042 9,189 9,200 9,349 9,396 9,634 9,813 9,820 9,947 10,186
EBITDA - - - - - - - - - - - - - -
EBIT 1 826 754 1,902 1,832 1,689 1,474 1,759 1,513 1,654 2,173 2,077 1,829 1,554 2,295
Operating Margin 13.67% 12.01% 20.55% 19.57% 18.68% 16.04% 19.12% 16.18% 17.6% 22.56% 21.17% 18.62% 15.62% 22.53%
Earnings before Tax (EBT) 1 1,596 204 508 964 1,377 1,187 1,229 1,225 1,389 1,897 1,812 1,568 - -
Net income 1 1,370 109 430 628 1,081 885 922 914 1,129 1,477 1,407 1,212 1,026 1,586
Net margin 22.68% 1.74% 4.65% 6.71% 11.96% 9.63% 10.02% 9.78% 12.02% 15.34% 14.33% 12.34% 10.31% 15.57%
EPS 2 2.100 0.1700 0.6600 0.9700 1.690 1.400 1.470 1.440 1.820 2.370 2.288 2.050 1.670 2.600
Dividend per Share 2 1.070 1.550 1.560 1.580 1.600 1.850 1.850 1.850 1.850 1.950 1.950 1.950 2.050 2.050
Announcement Date 1/25/22 4/26/22 7/12/22 10/13/22 1/26/23 4/20/23 7/11/23 10/13/23 1/25/24 - - - - -
1DKK in Million2DKK
Estimates

Balance Sheet Analysis

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Net Debt 1 5,319 - - 7,084 6,572 4,217 4,217 4,217
Net Cash position 1 - - - - - - - -
Leverage (Debt/EBITDA) - - - - - - - -
Free Cash Flow 1 3,562 3,895 3,648 193 5,998 5,783 6,039 6,296
ROE (net income / shareholders' equity) 24.6% 22.8% 7.8% 4.9% 9.4% 12.6% 14% 15%
ROA (Net income/ Total Assets) 4.92% 4.62% 3.91% 3.65% 3.4% 4.33% 4.79% 5.03%
Assets 1 57,761 59,988 80,767 61,526 113,165 114,045 112,467 113,694
Book Value Per Share 2 40.10 40.60 75.00 67.10 65.30 63.50 63.30 63.90
Cash Flow per Share - - - - - - - -
Capex 69 37 - - - - - -
Capex / Sales 0.32% 0.16% - - - - - -
Announcement Date 1/22/20 1/26/21 1/25/22 1/26/23 1/25/24 - - -
1DKK in Million2DKK
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Ratings for Tryg A/S

Trading Rating
Investor Rating
ESG Refinitiv
B
More Ratings

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
BUY
Number of Analysts
12
Last Close Price
138.1 DKK
Average target price
174.4 DKK
Spread / Average Target
+26.30%
Consensus

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

Company calendar

Sector Insurance - Automobile

1st Jan change Capi.
TRYG A/S Stock Tryg A/S
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Insurance - Automobile
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