Tryg A/S

TRYG

Equity

ISIN DK0060636678 / Valor 28204699

Nasdaq Copenhagen Equities (2025-11-20)

DKK 159.40+1.01%

Tryg A/S
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About company

Tryg A/S is a leading insurance provider offering a wide range of insurance products to both corporate and private customers in Denmark, Norway, and Sweden under the brand Tryg and Trygg-Hansa. The company also has a cooperative agreement with the global RSA network for international customers. Tryg Garanti, a subsidiary of Tryg A/S, is a prominent supplier of surety bond insurance and trade credit insurance to clients in the Nordic region. With a presence in several European markets, including the Nordic countries, Austria, Germany, the Netherlands, and Switzerland, Tryg A/S is known for its efficient and customer-centric approach in providing insurance solutions to meet the diverse needs of its clients.

Summarized from source with an LLMView SourceSector: Finance

Revenue Growth

Tryg A/S reported insurance revenue of DKK 10,175 million in Q3 2025, reflecting a 3.4% increase compared to the same period in 2024. This growth was primarily driven by price adjustments aimed at mitigating claims inflation, particularly in Norway.

Insurance Service Result

The insurance service result for Q3 2025 stood at DKK 2,181 million, up from DKK 2,048 million in Q3 2024. The improvement was supported by a 30 basis point enhancement in the underlying claims ratio, bolstered by the Private segment despite higher-than-normal weather claims.

Investment Performance

The net investment result for the quarter was DKK 177 million, a decrease from DKK 526 million in the previous year. This decline was primarily due to the updated hedging strategy and a less favorable interest rate environment.

Profit Before Tax

Profit before tax for Q3 2025 was DKK 1,980 million, down from DKK 2,134 million in Q3 2024. The reduction was influenced by lower investment returns and higher weather-related claims costs.

Dividend and Solvency

Tryg A/S declared an ordinary dividend of DKK 2.05 per share for Q3 2025. The company maintained a strong solvency ratio of 204%, ensuring financial stability and the capacity to sustain shareholder returns.

Combined Ratio

The combined ratio improved to 78.6% in Q3 2025 from 79.1% in the previous year, indicating enhanced operational efficiency. The Private segment contributed significantly to this improvement, while the Commercial segment maintained a strong combined ratio of 73.7%.

Summarized from source with an LLMView Source

Key figures

0.31%1Y

-2.03%3Y

14.1%5Y

Performance

18.4%1Y

17.8%3Y

19.2%5Y

Volatility