TRYG A/S (T2V1.DE) Stock Fundamental Analysis

FRA:T2V1 • DK0060636678

20.22 EUR
-0.22 (-1.08%)
Last: Feb 12, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership
Fundamental Rating

5

We assign a fundamental rating of 5 out of 10 to T2V1. T2V1 was compared to 43 industry peers in the Insurance industry. T2V1 has an excellent profitability rating, but there are some minor concerns on its financial health. While showing a medium growth rate, T2V1 is valued expensive at the moment.


Dividend Valuation Growth Profitability Health

7

1. Profitability

1.1 Basic Checks

  • In the past year T2V1 was profitable.
  • In the past year T2V1 had a positive cash flow from operations.
  • Each year in the past 5 years T2V1 has been profitable.
  • In the past 5 years T2V1 always reported a positive cash flow from operatings.
T2V1.DE Yearly Net Income VS EBIT VS OCF VS FCFT2V1.DE Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 2B -2B 4B 6B

1.2 Ratios

  • The Return On Assets of T2V1 (5.15%) is better than 90.70% of its industry peers.
  • Looking at the Return On Equity, with a value of 13.47%, T2V1 is in line with its industry, outperforming 44.19% of the companies in the same industry.
  • T2V1's Return On Invested Capital of 5.51% is amongst the best of the industry. T2V1 outperforms 95.35% of its industry peers.
  • Measured over the past 3 years, the Average Return On Invested Capital for T2V1 is above the industry average of 2.92%.
  • The 3 year average ROIC (5.03%) for T2V1 is below the current ROIC(5.51%), indicating increased profibility in the last year.
Industry RankSector Rank
ROA 5.15%
ROE 13.47%
ROIC 5.51%
ROA(3y)4.35%
ROA(5y)3.64%
ROE(3y)11.69%
ROE(5y)9.36%
ROIC(3y)5.03%
ROIC(5y)4.31%
T2V1.DE Yearly ROA, ROE, ROICT2V1.DE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20 25

1.3 Margins

  • T2V1's Profit Margin of 12.63% is fine compared to the rest of the industry. T2V1 outperforms 72.09% of its industry peers.
  • T2V1's Profit Margin has been stable in the last couple of years.
  • T2V1 has a Operating Margin of 17.76%. This is amongst the best in the industry. T2V1 outperforms 81.40% of its industry peers.
  • T2V1's Operating Margin has been stable in the last couple of years.
Industry RankSector Rank
OM 17.76%
PM (TTM) 12.63%
GM N/A
OM growth 3Y16.84%
OM growth 5Y0.08%
PM growth 3Y28.53%
PM growth 5Y0.44%
GM growth 3YN/A
GM growth 5YN/A
T2V1.DE Yearly Profit, Operating, Gross MarginsT2V1.DE Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20

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5

2. Health

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is just above the Cost of Capital (WACC), so T2V1 is still creating some value.
  • Compared to 1 year ago, T2V1 has less shares outstanding
  • T2V1 has more shares outstanding than it did 5 years ago.
  • T2V1 has a better debt/assets ratio than last year.
T2V1.DE Yearly Shares OutstandingT2V1.DE Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M
T2V1.DE Yearly Total Debt VS Total AssetsT2V1.DE Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20B 40B 60B 80B 100B

2.2 Solvency

  • An Altman-Z score of 1.99 indicates that T2V1 is not a great score, but indicates only limited risk for bankruptcy at the moment.
  • With an excellent Altman-Z score value of 1.99, T2V1 belongs to the best of the industry, outperforming 97.67% of the companies in the same industry.
  • The Debt to FCF ratio of T2V1 is 1.86, which is an excellent value as it means it would take T2V1, only 1.86 years of fcf income to pay off all of its debts.
  • T2V1's Debt to FCF ratio of 1.86 is in line compared to the rest of the industry. T2V1 outperforms 55.81% of its industry peers.
  • T2V1 has a Debt/Equity ratio of 0.30. This is a healthy value indicating a solid balance between debt and equity.
  • T2V1's Debt to Equity ratio of 0.30 is fine compared to the rest of the industry. T2V1 outperforms 79.07% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.3
Debt/FCF 1.86
Altman-Z 1.99
ROIC/WACC1.12
WACC4.92%
T2V1.DE Yearly LT Debt VS Equity VS FCFT2V1.DE Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 10B 20B 30B 40B

2.3 Liquidity

  • A Current Ratio of 0.50 indicates that T2V1 may have some problems paying its short term obligations.
  • T2V1 has a better Current ratio (0.50) than 74.42% of its industry peers.
  • A Quick Ratio of 0.50 indicates that T2V1 may have some problems paying its short term obligations.
  • T2V1 has a better Quick ratio (0.50) than 74.42% of its industry peers.
Industry RankSector Rank
Current Ratio 0.5
Quick Ratio 0.5
T2V1.DE Yearly Current Assets VS Current LiabilitesT2V1.DE Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. Growth

3.1 Past

  • T2V1 shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 11.99%, which is quite good.
  • T2V1 shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 1.00% yearly.
  • Looking at the last year, T2V1 shows a small growth in Revenue. The Revenue has grown by 3.96% in the last year.
  • The Revenue has been growing by 12.85% on average over the past years. This is quite good.
EPS 1Y (TTM)11.99%
EPS 3Y1.91%
EPS 5Y1%
EPS Q2Q%67.42%
Revenue 1Y (TTM)3.96%
Revenue growth 3Y18.21%
Revenue growth 5Y12.85%
Sales Q2Q%14.05%

3.2 Future

  • The Earnings Per Share is expected to grow by 8.33% on average over the next years. This is quite good.
  • T2V1 is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 2.69% yearly.
EPS Next Y19.02%
EPS Next 2Y8.94%
EPS Next 3Y8.33%
EPS Next 5YN/A
Revenue Next Year4.67%
Revenue Next 2Y4.15%
Revenue Next 3Y4.22%
Revenue Next 5Y2.69%

3.3 Evolution

  • The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
T2V1.DE Yearly Revenue VS EstimatesT2V1.DE Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 2031 10B 20B 30B 40B
T2V1.DE Yearly EPS VS EstimatesT2V1.DE Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2 4 6 8

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Find the best growth stocksShow best growing peers

2

4. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 19.63, which indicates a rather expensive current valuation of T2V1.
  • T2V1's Price/Earnings ratio is a bit more expensive when compared to the industry. T2V1 is more expensive than 79.07% of the companies in the same industry.
  • T2V1 is valuated rather cheaply when we compare the Price/Earnings ratio to 27.97, which is the current average of the S&P500 Index.
  • A Price/Forward Earnings ratio of 16.52 indicates a correct valuation of T2V1.
  • 86.05% of the companies in the same industry are cheaper than T2V1, based on the Price/Forward Earnings ratio.
  • When comparing the Price/Forward Earnings ratio of T2V1 to the average of the S&P500 Index (27.96), we can say T2V1 is valued slightly cheaper.
Industry RankSector Rank
PE 19.63
Fwd PE 16.52
T2V1.DE Price Earnings VS Forward Price EarningsT2V1.DE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • T2V1's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. T2V1 is more expensive than 60.47% of the companies in the same industry.
Industry RankSector Rank
P/FCF 14.47
EV/EBITDA N/A
T2V1.DE Per share dataT2V1.DE EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6 8

4.3 Compensation for Growth

  • The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
  • T2V1 has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)1.03
PEG (5Y)19.65
EPS Next 2Y8.94%
EPS Next 3Y8.33%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. Dividend

5.1 Amount

  • T2V1 has a Yearly Dividend Yield of 5.26%, which is a nice return.
  • T2V1's Dividend Yield is a higher than the industry average which is at 4.23.
  • Compared to an average S&P500 Dividend Yield of 1.79, T2V1 pays a better dividend.
Industry RankSector Rank
Dividend Yield 5.26%

5.2 History

  • The dividend of T2V1 has a limited annual growth rate of 4.07%.
Dividend Growth(5Y)4.07%
Div Incr YearsN/A
Div Non Decr YearsN/A
T2V1.DE Yearly Dividends per shareT2V1.DE Yearly Dividends per shareYearly Dividends per share 2026 0.5 1 1.5 2

5.3 Sustainability

  • T2V1 pays out 93.14% of its income as dividend. This is not a sustainable payout ratio.
  • T2V1's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP93.14%
EPS Next 2Y8.94%
EPS Next 3Y8.33%
T2V1.DE Yearly Income VS Free CF VS DividendT2V1.DE Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 2B -2B 4B 6B
T2V1.DE Dividend Payout.T2V1.DE Dividend Payout, showing the Payout Ratio.T2V1.DE Dividend Payout.PayoutRetained Earnings

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Find the best dividend stocksShow peers with best dividend

TRYG A/S

FRA:T2V1 (2/12/2026, 7:00:00 PM)

20.22

-0.22 (-1.08%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)01-22
Earnings (Next)04-15
Inst Owners70.84%
Inst Owner ChangeN/A
Ins Owners0.05%
Ins Owner ChangeN/A
Market Cap12.36B
Revenue(TTM)42.27B
Net Income(TTM)5.34B
Analysts78.95
Price Target23.66 (17.01%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 5.26%
Yearly Dividend1.1
Dividend Growth(5Y)4.07%
DP93.14%
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)1
Avg Revenue beat(2)2.56%
Min Revenue beat(2)-0.04%
Max Revenue beat(2)5.16%
Revenue beat(4)3
Avg Revenue beat(4)2.41%
Min Revenue beat(4)-0.04%
Max Revenue beat(4)5.16%
Revenue beat(8)6
Avg Revenue beat(8)2.32%
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)-1.83%
PT rev (3m)N/A
EPS NQ rev (1m)0.17%
EPS NQ rev (3m)N/A
EPS NY rev (1m)-1.63%
EPS NY rev (3m)N/A
Revenue NQ rev (1m)0.83%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 19.63
Fwd PE 16.52
P/S 2.19
P/FCF 14.47
P/OCF 13.45
P/B 2.33
P/tB 11.23
EV/EBITDA N/A
EPS(TTM)1.03
EY5.09%
EPS(NY)1.22
Fwd EY6.05%
FCF(TTM)1.4
FCFY6.91%
OCF(TTM)1.5
OCFY7.44%
SpS9.25
BVpS8.67
TBVpS1.8
PEG (NY)1.03
PEG (5Y)19.65
Graham Number14.18
Profitability
Industry RankSector Rank
ROA 5.15%
ROE 13.47%
ROCE 7.34%
ROIC 5.51%
ROICexc 5.67%
ROICexgc 8.73%
OM 17.76%
PM (TTM) 12.63%
GM N/A
FCFM 15.1%
ROA(3y)4.35%
ROA(5y)3.64%
ROE(3y)11.69%
ROE(5y)9.36%
ROIC(3y)5.03%
ROIC(5y)4.31%
ROICexc(3y)5.17%
ROICexc(5y)4.41%
ROICexgc(3y)8.14%
ROICexgc(5y)6.62%
ROCE(3y)6.72%
ROCE(5y)5.76%
ROICexgc growth 3Y25.87%
ROICexgc growth 5Y8.34%
ROICexc growth 3Y25.53%
ROICexc growth 5Y3.09%
OM growth 3Y16.84%
OM growth 5Y0.08%
PM growth 3Y28.53%
PM growth 5Y0.44%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.41
Health
Industry RankSector Rank
Debt/Equity 0.3
Debt/FCF 1.86
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales 1.15%
Interest Coverage -25.45
Cash Conversion N/A
Profit Quality 119.56%
Current Ratio 0.5
Quick Ratio 0.5
Altman-Z 1.99
F-Score8
WACC4.92%
ROIC/WACC1.12
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)1.12%
Cap/Sales(5y)0.71%
Profit Quality(3y)126.45%
Profit Quality(5y)100.69%
High Growth Momentum
Growth
EPS 1Y (TTM)11.99%
EPS 3Y1.91%
EPS 5Y1%
EPS Q2Q%67.42%
EPS Next Y19.02%
EPS Next 2Y8.94%
EPS Next 3Y8.33%
EPS Next 5YN/A
Revenue 1Y (TTM)3.96%
Revenue growth 3Y18.21%
Revenue growth 5Y12.85%
Sales Q2Q%14.05%
Revenue Next Year4.67%
Revenue Next 2Y4.15%
Revenue Next 3Y4.22%
Revenue Next 5Y2.69%
EBIT growth 1Y7.83%
EBIT growth 3Y21.3%
EBIT growth 5Y13.58%
EBIT Next Year-2.67%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y32.35%
FCF growth 3Y220.97%
FCF growth 5Y10.38%
OCF growth 1Y21.58%
OCF growth 3Y204.62%
OCF growth 5Y11.8%

TRYG A/S / T2V1.DE FAQ

What is the ChartMill fundamental rating of TRYG A/S (T2V1.DE) stock?

ChartMill assigns a fundamental rating of 5 / 10 to T2V1.DE.


What is the valuation status of TRYG A/S (T2V1.DE) stock?

ChartMill assigns a valuation rating of 2 / 10 to TRYG A/S (T2V1.DE). This can be considered as Overvalued.


What is the profitability of T2V1 stock?

TRYG A/S (T2V1.DE) has a profitability rating of 7 / 10.


Can you provide the financial health for T2V1 stock?

The financial health rating of TRYG A/S (T2V1.DE) is 5 / 10.


What is the earnings growth outlook for TRYG A/S?

The Earnings per Share (EPS) of TRYG A/S (T2V1.DE) is expected to grow by 19.02% in the next year.