TRYG A/S (T2V1.DE) Fundamental Analysis & Valuation

FRA:T2V1 • DK0060636678

Current stock price

20.78 EUR
-0.32 (-1.52%)
Last:

This T2V1.DE fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

7

1. T2V1.DE Profitability Analysis

1.1 Basic Checks

  • In the past year T2V1 was profitable.
  • In the past year T2V1 had a positive cash flow from operations.
  • T2V1 had positive earnings in each of the past 5 years.
  • Each year in the past 5 years T2V1 had a positive operating cash flow.
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 (5.00%) is better than 88.00% of its industry peers.
  • T2V1 has a Return On Equity (13.49%) which is comparable to the rest of the industry.
  • T2V1 has a Return On Invested Capital of 5.34%. This is amongst the best in the industry. T2V1 outperforms 92.00% of its industry peers.
  • The Average Return On Invested Capital over the past 3 years for T2V1 is above the industry average of 2.76%.
  • The last Return On Invested Capital (5.34%) for T2V1 is above the 3 year average (5.03%), which is a sign of increasing profitability.
Industry RankSector Rank
ROA 5%
ROE 13.49%
ROIC 5.34%
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

  • With a decent Profit Margin value of 12.25%, T2V1 is doing good in the industry, outperforming 68.00% of the companies in the same industry.
  • In the last couple of years the Profit Margin of T2V1 has remained more or less at the same level.
  • With a decent Operating Margin value of 17.21%, T2V1 is doing good in the industry, outperforming 78.00% of the companies in the same industry.
  • T2V1's Operating Margin has been stable in the last couple of years.
Industry RankSector Rank
OM 17.21%
PM (TTM) 12.25%
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. T2V1.DE Health Analysis

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), T2V1 is destroying value.
  • Compared to 1 year ago, T2V1 has less shares outstanding
  • T2V1 has more shares outstanding than it did 5 years ago.
  • The debt/assets ratio for T2V1 has been reduced compared to a year ago.
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 1.98 indicates that T2V1 is not a great score, but indicates only limited risk for bankruptcy at the moment.
  • Looking at the Altman-Z score, with a value of 1.98, T2V1 belongs to the top of the industry, outperforming 98.00% of the companies in the same industry.
  • T2V1 has a debt to FCF ratio of 1.94. This is a very positive value and a sign of high solvency as it would only need 1.94 years to pay back of all of its debts.
  • T2V1 has a Debt to FCF ratio (1.94) which is in line with its industry peers.
  • A Debt/Equity ratio of 0.25 indicates that T2V1 is not too dependend on debt financing.
  • T2V1 has a Debt to Equity ratio of 0.25. This is amongst the best in the industry. T2V1 outperforms 84.00% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.25
Debt/FCF 1.94
Altman-Z 1.98
ROIC/WACC1
WACC5.34%
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

  • T2V1 has a Current Ratio of 0.42. This is a bad value and indicates that T2V1 is not financially healthy enough and could expect problems in meeting its short term obligations.
  • T2V1 has a Current ratio of 0.42. This is in the better half of the industry: T2V1 outperforms 76.00% of its industry peers.
  • T2V1 has a Quick Ratio of 0.42. This is a bad value and indicates that T2V1 is not financially healthy enough and could expect problems in meeting its short term obligations.
  • T2V1 has a better Quick ratio (0.42) than 76.00% of its industry peers.
Industry RankSector Rank
Current Ratio 0.42
Quick Ratio 0.42
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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4

3. T2V1.DE Growth Analysis

3.1 Past

  • The Earnings Per Share has been growing slightly by 3.50% over the past year.
  • T2V1 shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 9.03% yearly.
  • Looking at the last year, T2V1 shows a small growth in Revenue. The Revenue has grown by 4.21% in the last year.
  • Measured over the past years, T2V1 shows a quite strong growth in Revenue. The Revenue has been growing by 13.49% on average per year.
EPS 1Y (TTM)3.5%
EPS 3Y22%
EPS 5Y9.03%
EPS Q2Q%-13.89%
Revenue 1Y (TTM)4.21%
Revenue growth 3Y3.82%
Revenue growth 5Y13.49%
Sales Q2Q%2.69%

3.2 Future

  • Based on estimates for the next years, T2V1 will show a small growth in Earnings Per Share. The EPS will grow by 7.43% on average per year.
  • The Revenue is expected to grow by 3.38% on average over the next years.
EPS Next Y3.69%
EPS Next 2Y5.16%
EPS Next 3Y5.48%
EPS Next 5Y7.43%
Revenue Next Year5.36%
Revenue Next 2Y4.21%
Revenue Next 3Y4.66%
Revenue Next 5Y3.38%

3.3 Evolution

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
T2V1.DE Yearly Revenue VS EstimatesT2V1.DE Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2017 2019 2021 2023 2025 2027 2029 2031 2033 10B 20B 30B 40B 50B
T2V1.DE Yearly EPS VS EstimatesT2V1.DE Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2017 2019 2021 2023 2025 2027 2029 2031 2033 5 10

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2

4. T2V1.DE Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 18.07, which indicates a rather expensive current valuation of T2V1.
  • Compared to the rest of the industry, the Price/Earnings ratio of T2V1 indicates a slightly more expensive valuation: T2V1 is more expensive than 74.00% of the companies listed in the same industry.
  • T2V1's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 27.87.
  • The Price/Forward Earnings ratio is 15.93, which indicates a correct valuation of T2V1.
  • Based on the Price/Forward Earnings ratio, T2V1 is valued a bit more expensive than 74.00% of the companies in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 38.51, T2V1 is valued rather cheaply.
Industry RankSector Rank
PE 18.07
Fwd PE 15.93
T2V1.DE Price Earnings VS Forward Price EarningsT2V1.DE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

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 64.00% of the companies in the same industry.
Industry RankSector Rank
P/FCF 19.17
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 high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
  • The decent profitability rating of T2V1 may justify a higher PE ratio.
PEG (NY)4.9
PEG (5Y)2
EPS Next 2Y5.16%
EPS Next 3Y5.48%

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0

5. T2V1.DE Dividend Analysis

5.1 Amount

  • No dividends for T2V1!.
Industry RankSector Rank
Dividend Yield 0%

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T2V1.DE Fundamentals: All Metrics, Ratios and Statistics

TRYG A/S

FRA:T2V1 (4/17/2026, 7:00:00 PM)

20.78

-0.32 (-1.52%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)04-15
Earnings (Next)07-10
Inst Owners71.13%
Inst Owner ChangeN/A
Ins Owners0.05%
Ins Owner ChangeN/A
Market Cap12.70B
Revenue(TTM)42.24B
Net Income(TTM)5.17B
Analysts73.33
Price Target23.5 (13.09%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 0%
Yearly Dividend1.09
Dividend Growth(5Y)4.07%
DP97.12%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)4.38%
Min EPS beat(2)3.77%
Max EPS beat(2)4.98%
EPS beat(4)2
Avg EPS beat(4)0.66%
Min EPS beat(4)-4.03%
Max EPS beat(4)4.98%
EPS beat(8)4
Avg EPS beat(8)-0.37%
EPS beat(12)5
Avg EPS beat(12)-4.35%
EPS beat(16)6
Avg EPS beat(16)-3.86%
Revenue beat(2)1
Avg Revenue beat(2)1.63%
Min Revenue beat(2)-1.91%
Max Revenue beat(2)5.16%
Revenue beat(4)2
Avg Revenue beat(4)1.26%
Min Revenue beat(4)-1.91%
Max Revenue beat(4)5.16%
Revenue beat(8)5
Avg Revenue beat(8)1.13%
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)-0.66%
PT rev (3m)-2.48%
EPS NQ rev (1m)5.02%
EPS NQ rev (3m)4.72%
EPS NY rev (1m)0.09%
EPS NY rev (3m)-1.68%
Revenue NQ rev (1m)-0.53%
Revenue NQ rev (3m)0.31%
Revenue NY rev (1m)0.12%
Revenue NY rev (3m)1.64%
Valuation
Industry RankSector Rank
PE 18.07
Fwd PE 15.93
P/S 2.25
P/FCF 19.17
P/OCF 17.12
P/B 2.48
P/tB 12.97
EV/EBITDA N/A
EPS(TTM)1.15
EY5.53%
EPS(NY)1.3
Fwd EY6.28%
FCF(TTM)1.08
FCFY5.22%
OCF(TTM)1.21
OCFY5.84%
SpS9.24
BVpS8.39
TBVpS1.6
PEG (NY)4.9
PEG (5Y)2
Graham Number14.7359 (-29.09%)
Profitability
Industry RankSector Rank
ROA 5%
ROE 13.49%
ROCE 7.1%
ROIC 5.34%
ROICexc 5.51%
ROICexgc 8.52%
OM 17.21%
PM (TTM) 12.25%
GM N/A
FCFM 11.72%
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 0.25
Debt/FCF 1.94
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales 1.41%
Interest Coverage -26.63
Cash Conversion N/A
Profit Quality 95.75%
Current Ratio 0.42
Quick Ratio 0.42
Altman-Z 1.98
F-Score8
WACC5.34%
ROIC/WACC1
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)3.5%
EPS 3Y22%
EPS 5Y9.03%
EPS Q2Q%-13.89%
EPS Next Y3.69%
EPS Next 2Y5.16%
EPS Next 3Y5.48%
EPS Next 5Y7.43%
Revenue 1Y (TTM)4.21%
Revenue growth 3Y3.82%
Revenue growth 5Y13.49%
Sales Q2Q%2.69%
Revenue Next Year5.36%
Revenue Next 2Y4.21%
Revenue Next 3Y4.66%
Revenue Next 5Y3.38%
EBIT growth 1Y0.23%
EBIT growth 3Y21.3%
EBIT growth 5Y13.58%
EBIT Next Year-2.56%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-12.6%
FCF growth 3Y220.97%
FCF growth 5Y10.38%
OCF growth 1Y-3.18%
OCF growth 3Y204.62%
OCF growth 5Y11.8%

TRYG A/S / T2V1.DE Fundamental Analysis FAQ

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

ChartMill assigns a fundamental rating of 6 / 10 to T2V1.DE.


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

ChartMill assigns a valuation rating of 3 / 10 to TRYG A/S (T2V1.DE). This can be considered as Overvalued.


Can you provide the profitability details for TRYG A/S?

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


What are the PE and PB ratios of TRYG A/S (T2V1.DE) stock?

The Price/Earnings (PE) ratio for TRYG A/S (T2V1.DE) is 18.07 and the Price/Book (PB) ratio is 2.48.


Can you provide the expected EPS growth for T2V1 stock?

The Earnings per Share (EPS) of TRYG A/S (T2V1.DE) is expected to grow by 3.69% in the next year.