Tryg A/S Logo

Tryg A/S

TRYG.CO

(2.5)
Stock Price

156,60 DKK

4.79% ROA

9.49% ROE

23.78x PER

Market Cap.

89.198.362.300,00 DKK

26.08% DER

3.65% Yield

9.49% NPM

Tryg A/S Stock Analysis

Tryg A/S Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Tryg A/S Fundamental Stock Analysis
# Analysis Rating
1 DER

The stock has a minimal amount of debt (26%) relative to its ownership, showcasing a strong financial position and lower risk for investors.

2 Revenue Growth

With continuous growth in revenue over the last five years, this company has proven to be a lucrative investment option, showcasing its strong financial performance.

3 Dividend

The company's consistent dividend payouts over the past five years exemplify its strong commitment to providing shareholders with reliable returns, making it an attractive investment option.

4 ROE

The stock's ROE falls within an average range (9.25%), demonstrating satisfactory profitability and efficiency in utilizing shareholders' equity.

5 ROA

The stock's ROA (4.79%) shows that it's doing a pretty good job at making money from its assets, making it a solid choice to invest and earn steady profits.

6 PBV

The stock's PBV ratio (2.26x) indicates a justifiable valuation, presenting a compelling choice for investors seeking reasonable returns.

7 Buffet Intrinsic Value

Based on Warren Buffett's formula, the company's stock appears undervalued (1.482), presenting an attractive investment chance with its intrinsic value surpassing the current market price.

8 Net Profit Growth

Throughout the last five years, this company's net profit has remained unchanged, indicating a lack of growth and making it a less favorable investment option.

9 Assets Growth

Regrettably, this company's revenue has shown no signs of growth over the past three years, suggesting limited potential for returns and making it a less appealing choice.

10 Graham Number

The company's Graham number indicates that it is overvalued compared to its stock price, suggesting a potentially unfavorable investment opportunity.

11 Dividend Growth

The company's dividend growth has shown no improvement in the past three years, making it a less attractive investment option for those seeking increasing returns.

Tryg A/S Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Tryg A/S Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Buy
2 MACD Buy
3 RSI Hold
4 Stoch RSI Sell

Tryg A/S Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Tryg A/S Revenue
Year Revenue Growth
2004 16.088.000.000
2005 17.080.000.000 5.81%
2006 19.026.000.000 10.23%
2007 17.509.000.000 -8.66%
2008 16.763.000.000 -4.45%
2009 17.669.000.000 5.13%
2010 18.684.000.000 5.43%
2011 19.766.000.000 5.47%
2012 20.114.000.000 1.73%
2013 19.415.000.000 -3.6%
2014 18.336.000.000 -5.88%
2015 17.120.000.000 -7.1%
2016 17.881.000.000 4.26%
2017 17.644.000.000 -1.34%
2018 17.505.000.000 -0.79%
2019 22.014.000.000 20.48%
2020 22.562.000.000 2.43%
2021 23.936.000.000 5.74%
2022 33.246.000.000 28%
2023 34.168.000.000 2.7%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Tryg A/S Research and Development Expenses
Year Research and Development Expenses Growth
2004 0
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Tryg A/S General and Administrative Expenses
Year General and Administrative Expenses Growth
2004 1.170.000.000
2005 708.000.000 -65.25%
2006 673.000.000 -5.2%
2007 2.769.000.000 75.7%
2008 0 0%
2009 854.000.000 100%
2010 0 0%
2011 969.000.000 100%
2012 805.000.000 -20.37%
2013 781.000.000 -3.07%
2014 734.000.000 -6.4%
2015 678.000.000 -8.26%
2016 708.000.000 4.24%
2017 614.000.000 -15.31%
2018 94.000.000 -553.19%
2019 623.000.000 84.91%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Tryg A/S EBITDA
Year EBITDA Growth
2004 1.339.000.000
2005 2.953.000.000 54.66%
2006 3.929.000.000 24.84%
2007 3.196.000.000 -22.93%
2008 1.447.000.000 -120.87%
2009 2.747.000.000 47.32%
2010 954.000.000 -187.95%
2011 1.708.000.000 44.15%
2012 3.145.000.000 45.69%
2013 3.101.000.000 -1.42%
2014 3.427.000.000 9.51%
2015 2.471.000.000 -38.69%
2016 3.332.000.000 25.84%
2017 3.344.000.000 0.36%
2018 2.469.000.000 -35.44%
2019 3.975.000.000 37.89%
2020 3.701.000.000 -7.4%
2021 4.171.000.000 11.27%
2022 4.731.000.000 11.84%
2023 5.816.000.000 18.66%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Tryg A/S Gross Profit
Year Gross Profit Growth
2004 16.088.000.000
2005 17.080.000.000 5.81%
2006 19.026.000.000 10.23%
2007 17.509.000.000 -8.66%
2008 16.763.000.000 -4.45%
2009 17.669.000.000 5.13%
2010 18.684.000.000 5.43%
2011 19.766.000.000 5.47%
2012 20.214.000.000 2.22%
2013 19.527.000.000 -3.52%
2014 18.451.000.000 -5.83%
2015 17.215.000.000 -7.18%
2016 17.994.000.000 4.33%
2017 17.751.000.000 -1.37%
2018 17.645.000.000 -0.6%
2019 22.014.000.000 19.85%
2020 22.562.000.000 2.43%
2021 23.936.000.000 5.74%
2022 33.246.000.000 28%
2023 34.168.000.000 2.7%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Tryg A/S Net Profit
Year Net Profit Growth
2004 1.421.000.000
2005 2.097.000.000 32.24%
2006 3.211.000.000 34.69%
2007 2.266.000.000 -41.7%
2008 846.000.000 -167.85%
2009 2.008.000.000 57.87%
2010 593.000.000 -238.62%
2011 1.140.000.000 47.98%
2012 2.208.000.000 48.37%
2013 2.369.000.000 6.8%
2014 2.557.000.000 7.35%
2015 1.981.000.000 -29.08%
2016 2.471.000.000 19.83%
2017 2.517.000.000 1.83%
2018 1.731.000.000 -45.41%
2019 2.843.000.000 39.11%
2020 2.773.000.000 -2.52%
2021 3.158.000.000 12.19%
2022 2.247.000.000 -40.54%
2023 3.656.000.000 38.54%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Tryg A/S Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2004 3
2005 5 25%
2006 7 42.86%
2007 5 -40%
2008 2 -400%
2009 5 75%
2010 1 -300%
2011 3 50%
2012 6 60%
2013 6 16.67%
2014 7 0%
2015 5 -20%
2016 7 16.67%
2017 7 14.29%
2018 4 -75%
2019 7 42.86%
2020 9 22.22%
2021 6 -80%
2022 4 -66.67%
2023 6 40%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Tryg A/S Free Cashflow
Year Free Cashflow Growth
2004 5.102.000.000
2005 4.015.000.000 -27.07%
2006 2.763.000.000 -45.31%
2007 2.477.000.000 -11.55%
2008 674.000.000 -267.51%
2009 2.030.000.000 66.8%
2010 1.370.000.000 -48.18%
2011 2.509.000.000 45.4%
2012 2.154.000.000 -16.48%
2013 2.363.000.000 8.84%
2014 2.312.000.000 -2.21%
2015 1.981.000.000 -16.71%
2016 2.335.000.000 15.16%
2017 2.377.000.000 1.77%
2018 -4.001.000.000 159.41%
2019 3.562.000.000 212.32%
2020 -37.000.000 9727.03%
2021 3.648.000.000 101.01%
2022 3.101.000.000 -17.64%
2023 1.661.000.000 -86.69%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Tryg A/S Operating Cashflow
Year Operating Cashflow Growth
2004 5.176.000.000
2005 4.152.000.000 -24.66%
2006 3.186.000.000 -30.32%
2007 2.680.000.000 -18.88%
2008 1.772.000.000 -51.24%
2009 2.196.000.000 19.31%
2010 1.611.000.000 -36.31%
2011 2.577.000.000 37.49%
2012 2.208.000.000 -16.71%
2013 2.369.000.000 6.8%
2014 2.557.000.000 7.35%
2015 1.981.000.000 -29.08%
2016 2.471.000.000 19.83%
2017 2.517.000.000 1.83%
2018 1.731.000.000 -45.41%
2019 3.631.000.000 52.33%
2020 0 0%
2021 3.670.000.000 100%
2022 3.151.000.000 -16.47%
2023 1.696.000.000 -85.79%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Tryg A/S Capital Expenditure
Year Capital Expenditure Growth
2004 74.000.000
2005 137.000.000 45.99%
2006 423.000.000 67.61%
2007 203.000.000 -108.37%
2008 1.098.000.000 81.51%
2009 166.000.000 -561.45%
2010 241.000.000 31.12%
2011 68.000.000 -254.41%
2012 54.000.000 -25.93%
2013 6.000.000 -800%
2014 245.000.000 97.55%
2015 0 0%
2016 136.000.000 100%
2017 140.000.000 2.86%
2018 5.732.000.000 97.56%
2019 69.000.000 -8207.25%
2020 37.000.000 -86.49%
2021 22.000.000 -68.18%
2022 50.000.000 56%
2023 35.000.000 -42.86%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Tryg A/S Equity
Year Equity Growth
2004 6.802.000.000
2005 8.215.000.000 17.2%
2006 9.951.000.000 17.45%
2007 10.010.000.000 0.59%
2008 8.244.000.000 -21.42%
2009 9.666.000.000 14.71%
2010 8.458.000.000 -14.28%
2011 9.007.000.000 6.1%
2012 10.979.000.000 17.96%
2013 11.107.000.000 1.15%
2014 11.119.000.000 0.11%
2015 9.831.000.000 -13.1%
2016 9.437.000.000 -4.18%
2017 12.616.000.000 25.2%
2018 11.334.000.000 -11.31%
2019 12.084.000.000 6.21%
2020 12.264.000.000 1.47%
2021 49.007.000.000 74.98%
2022 42.503.000.000 -15.3%
2023 40.244.000.000 -5.61%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Tryg A/S Assets
Year Assets Growth
2004 37.824.000.000
2005 40.811.000.000 7.32%
2006 42.783.000.000 4.61%
2007 43.830.000.000 2.39%
2008 38.445.000.000 -14.01%
2009 44.740.000.000 14.07%
2010 50.591.000.000 11.57%
2011 53.221.000.000 4.94%
2012 54.313.000.000 2.01%
2013 53.371.000.000 -1.77%
2014 52.224.000.000 -2.2%
2015 51.281.000.000 -1.84%
2016 49.861.000.000 -2.85%
2017 51.367.000.000 2.93%
2018 56.545.000.000 9.16%
2019 59.059.000.000 4.26%
2020 60.916.000.000 3.05%
2021 100.580.000.000 39.44%
2022 114.113.000.000 11.86%
2023 110.599.000.000 -3.18%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Tryg A/S Liabilities
Year Liabilities Growth
2004 31.022.000.000
2005 32.596.000.000 4.83%
2006 32.832.000.000 0.72%
2007 33.820.000.000 2.92%
2008 30.201.000.000 -11.98%
2009 35.074.000.000 13.89%
2010 42.133.000.000 16.75%
2011 44.214.000.000 4.71%
2012 43.334.000.000 -2.03%
2013 42.264.000.000 -2.53%
2014 41.105.000.000 -2.82%
2015 41.450.000.000 0.83%
2016 40.424.000.000 -2.54%
2017 38.751.000.000 -4.32%
2018 45.211.000.000 14.29%
2019 46.975.000.000 3.76%
2020 48.652.000.000 3.45%
2021 51.573.000.000 5.66%
2022 71.610.000.000 27.98%
2023 13.707.000.000 -422.43%

Tryg A/S Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
62.29
Net Income per Share
6.11
Price to Earning Ratio
23.78x
Price To Sales Ratio
2.3x
POCF Ratio
18.29
PFCF Ratio
18.25
Price to Book Ratio
2.25
EV to Sales
2.49
EV Over EBITDA
15.89
EV to Operating CashFlow
19.56
EV to FreeCashFlow
19.79
Earnings Yield
0.04
FreeCashFlow Yield
0.05
Market Cap
89,20 Bil.
Enterprise Value
96,71 Bil.
Graham Number
94.28
Graham NetNet
-17.24

Income Statement Metrics

Net Income per Share
6.11
Income Quality
2.51
ROE
0.09
Return On Assets
0.03
Return On Capital Employed
0.04
Net Income per EBT
0.77
EBT Per Ebit
1
Ebit per Revenue
0.12
Effective Tax Rate
0.23

Margins

Sales, General, & Administrative to Revenue
0
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1
Operating Profit Margin
0.12
Pretax Profit Margin
0.12
Net Profit Margin
0.09

Dividends

Dividend Yield
0.04
Dividend Yield %
3.65
Payout Ratio
1.18
Dividend Per Share
5.3

Operating Metrics

Operating Cashflow per Share
7.94
Free CashFlow per Share
7.85
Capex to Operating CashFlow
-0.01
Capex to Revenue
-0
Capex to Depreciation
-0.09
Return on Invested Capital
0.07
Return on Tangible Assets
0.05
Days Sales Outstanding
0
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
0
Payables Turnover
0
Inventory Turnover
0
Capex per Share
-0.09

Balance Sheet

Cash per Share
4,79
Book Value per Share
64,67
Tangible Book Value per Share
105.55
Shareholders Equity per Share
64.67
Interest Debt per Share
16.86
Debt to Equity
0.26
Debt to Assets
0.09
Net Debt to EBITDA
1.23
Current Ratio
0
Tangible Asset Value
65,69 Bil.
Net Current Asset Value
-10,73 Bil.
Invested Capital
0.26
Working Capital
2,98 Bil.
Intangibles to Total Assets
0.28
Average Receivables
0,00 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
0.12

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Tryg A/S Dividends
Year Dividends Growth
2006 16
2007 26 36%
2008 13 -92.31%
2009 5 -160%
2010 12 58.33%
2011 3 -300%
2012 5 40%
2013 20 75%
2014 21 4.76%
2015 25 12.5%
2016 5 -500%
2017 6 33.33%
2018 6 0%
2019 5 -20%
2020 5 0%
2021 5 -25%
2022 4 0%
2023 5 20%

Tryg A/S Profile

About Tryg A/S

Tryg A/S, together with its subsidiaries, provides insurance products and services for private and corporate customers, and small and medium sized businesses in Denmark, Norway, and Sweden. It operates through Private, Commercial, Corporate, and Sweden segments. The company provides car, contents, house, accident, travel, motorcycles, pet, health, property, liability, transportation, group life, and boat insurance products, as well as fire and content, and worker compensation insurance products. It sells its products primarily through call centers, Internet, tied agents, franchisees, interest organizations, car dealers, real estate agents, insurance brokers, and Nordea branches under the Tryg Forsikring, Alka, Enter Forsikring, Tryg, Moderna, Tryg Garanti, Moderna Djurförsäkringar, Atlantica Båtförsäkring, Affinity, and Bilsport & MC specialförsäkring brands. The company was founded in 1731 and is headquartered in Ballerup, Denmark.

CEO
Mr. Johan Kirstein Brammer
Employee
6.805
Address
Klausdalsbrovej 601
Ballerup, 2750

Tryg A/S Executives & BODs

Tryg A/S Executives & BODs
# Name Age
1 Mr. Peter Brondt
Investor Relations Manager
70
2 Mr. Johan Kirstein Brammer
Group Chief Executive Officer & Member of Executive Board
70
3 Ms. Tanja Frederiksen
Head of Corporate Relations
70
4 Mr. Jens Galsgaard
Chief Internal Auditor
70
5 Mr. Hans Arnum
Head of Commercial
70
6 Mr. Gianandrea Roberti
Investor Relations Officer
70

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