TRYG A/S (T2V1.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:T2V1 - DK0060636678 - Common Stock
22.14 EUR
+0.74 (+3.46%)
We assign a fundamental rating of 5 out of 10 to T2V1. T2V1 was compared to 46 industry peers in the Insurance industry. T2V1 has an average financial health and profitability rating. T2V1 is valied quite expensively at the moment, while it does show a decent growth rate.
1. Profitability
1.1 Basic Checks
In the past year T2V1 was profitable.
T2V1 had a positive operating cash flow in the past year.
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.
1.2 Ratios
T2V1's Return On Assets of 4.68% is amongst the best of the industry. T2V1 outperforms 91.84% of its industry peers.
Looking at the Return On Equity, with a value of 12.59%, T2V1 is doing worse than 61.22% of the companies in the same industry.
T2V1 has a better Return On Invested Capital (5.22%) than 95.92% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for T2V1 is in line with the industry average of 2.71%.
The 3 year average ROIC (4.13%) for T2V1 is below the current ROIC(5.22%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.68% | ||
| ROE | 12.59% | ||
| ROIC | 5.22% |
ROA(3y)3.29%
ROA(5y)3.52%
ROE(3y)8.96%
ROE(5y)11.19%
ROIC(3y)4.13%
ROIC(5y)4.2%
1.3 Margins
T2V1's Profit Margin of 11.80% is fine compared to the rest of the industry. T2V1 outperforms 69.39% of its industry peers.
In the last couple of years the Profit Margin of T2V1 has declined.
T2V1 has a Operating Margin of 17.01%. This is in the better half of the industry: T2V1 outperforms 79.59% of its industry peers.
In the last couple of years the Operating Margin of T2V1 has declined.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 17.01% | ||
| PM (TTM) | 11.8% | ||
| GM | N/A |
OM growth 3Y-3.93%
OM growth 5Y-2.05%
PM growth 3Y-2.91%
PM growth 5Y-1.71%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
T2V1 has a Return on Invested Capital (ROIC), which is just above the Cost of Capital (WACC), which means it is creating some value.
T2V1 has less shares outstanding than it did 1 year ago.
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.
2.2 Solvency
T2V1 has an Altman-Z score of 2.03. This is not the best score and indicates that T2V1 is in the grey zone with still only limited risk for bankruptcy at the moment.
T2V1 has a better Altman-Z score (2.03) than 95.92% of its industry peers.
T2V1 has a debt to FCF ratio of 1.39. This is a very positive value and a sign of high solvency as it would only need 1.39 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 1.39, T2V1 is in the better half of the industry, outperforming 79.59% of the companies in the same industry.
A Debt/Equity ratio of 0.29 indicates that T2V1 is not too dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.29, T2V1 belongs to the top of the industry, outperforming 85.71% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.29 | ||
| Debt/FCF | 1.39 | ||
| Altman-Z | 2.03 |
ROIC/WACC1.06
WACC4.94%
2.3 Liquidity
T2V1 has a Current Ratio of 0.39. 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 Current ratio (0.39) than 75.51% of its industry peers.
A Quick Ratio of 0.39 indicates that T2V1 may have some problems paying its short term obligations.
With a decent Quick ratio value of 0.39, T2V1 is doing good in the industry, outperforming 75.51% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.39 | ||
| Quick Ratio | 0.39 |
3. Growth
3.1 Past
The earnings per share for T2V1 have decreased by -6.17% in the last year.
T2V1 shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 1.00% yearly.
The Revenue has been growing slightly by 1.07% in the past year.
The Revenue has been growing by 12.71% on average over the past years. This is quite good.
EPS 1Y (TTM)-6.17%
EPS 3Y1.91%
EPS 5Y1%
EPS Q2Q%-6.18%
Revenue 1Y (TTM)1.07%
Revenue growth 3Y17.95%
Revenue growth 5Y12.71%
Sales Q2Q%0.62%
3.2 Future
T2V1 is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 8.91% yearly.
The Revenue is expected to grow by 2.69% on average over the next years.
EPS Next Y20.77%
EPS Next 2Y9.84%
EPS Next 3Y8.91%
EPS Next 5YN/A
Revenue Next Year4.67%
Revenue Next 2Y4.15%
Revenue Next 3Y4.22%
Revenue Next 5Y2.69%
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 accelerating.
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.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 20.69, which indicates a rather expensive current valuation of T2V1.
Based on the Price/Earnings ratio, T2V1 is valued a bit more expensive than the industry average as 79.59% of the companies are valued more cheaply.
Compared to an average S&P500 Price/Earnings ratio of 27.25, T2V1 is valued a bit cheaper.
With a Price/Forward Earnings ratio of 17.80, T2V1 is valued on the expensive side.
Compared to the rest of the industry, the Price/Forward Earnings ratio of T2V1 indicates a rather expensive valuation: T2V1 more expensive than 85.71% of the companies listed in the same industry.
T2V1 is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 23.98, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 20.69 | ||
| Fwd PE | 17.8 |
4.2 Price Multiples
T2V1's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 12.47 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
The decent profitability rating of T2V1 may justify a higher PE ratio.
PEG (NY)1
PEG (5Y)20.71
EPS Next 2Y9.84%
EPS Next 3Y8.91%
5. Dividend
5.1 Amount
T2V1 has a Yearly Dividend Yield of 5.07%, which is a nice return.
T2V1's Dividend Yield is a higher than the industry average which is at 3.93.
Compared to an average S&P500 Dividend Yield of 1.92, T2V1 pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.07% |
5.2 History
On average, the dividend of T2V1 grows each year by 8.26%, which is quite nice.
Dividend Growth(5Y)8.26%
Div Incr YearsN/A
Div Non Decr YearsN/A
5.3 Sustainability
T2V1 pays out 101.57% of its income as dividend. This is not a sustainable payout ratio.
The dividend of T2V1 is growing around the same rate as the earnings are growing. If this keeps up the dividend growth is sustainable.
DP101.57%
EPS Next 2Y9.84%
EPS Next 3Y8.91%
FRA:T2V1 (1/2/2026, 7:00:00 PM)
22.14
+0.74 (+3.46%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners70.84%
Inst Owner ChangeN/A
Ins Owners0.05%
Ins Owner ChangeN/A
Market Cap13.54B
Revenue(TTM)41.07B
Net Income(TTM)4.84B
Analysts78.95
Price Target24.1 (8.85%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.07% |
Yearly Dividend1.05
Dividend Growth(5Y)8.26%
DP101.57%
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-3.06%
Min EPS beat(2)-4.03%
Max EPS beat(2)-2.08%
EPS beat(4)1
Avg EPS beat(4)-2.86%
Min EPS beat(4)-27.23%
Max EPS beat(4)21.91%
EPS beat(8)3
Avg EPS beat(8)-4.05%
EPS beat(12)3
Avg EPS beat(12)-10.26%
EPS beat(16)4
Avg EPS beat(16)-10.41%
Revenue beat(2)1
Avg Revenue beat(2)0.89%
Min Revenue beat(2)-0.04%
Max Revenue beat(2)1.82%
Revenue beat(4)2
Avg Revenue beat(4)0.4%
Min Revenue beat(4)-2.87%
Max Revenue beat(4)2.69%
Revenue beat(8)6
Avg Revenue beat(8)2.14%
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%
PT rev (3m)N/A
EPS NQ rev (1m)0%
EPS NQ rev (3m)N/A
EPS NY rev (1m)1.16%
EPS NY rev (3m)N/A
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)N/A
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 20.69 | ||
| Fwd PE | 17.8 | ||
| P/S | 2.46 | ||
| P/FCF | 12.47 | ||
| P/OCF | 10.95 | ||
| P/B | 2.63 | ||
| P/tB | 13.55 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.07
EY4.83%
EPS(NY)1.24
Fwd EY5.62%
FCF(TTM)1.78
FCFY8.02%
OCF(TTM)2.02
OCFY9.13%
SpS8.99
BVpS8.42
TBVpS1.63
PEG (NY)1
PEG (5Y)20.71
Graham Number14.24
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.68% | ||
| ROE | 12.59% | ||
| ROCE | 6.87% | ||
| ROIC | 5.22% | ||
| ROICexc | 5.37% | ||
| ROICexgc | 8.37% | ||
| OM | 17.01% | ||
| PM (TTM) | 11.8% | ||
| GM | N/A | ||
| FCFM | 19.75% |
ROA(3y)3.29%
ROA(5y)3.52%
ROE(3y)8.96%
ROE(5y)11.19%
ROIC(3y)4.13%
ROIC(5y)4.2%
ROICexc(3y)4.23%
ROICexc(5y)4.29%
ROICexgc(3y)6.65%
ROICexgc(5y)6.06%
ROCE(3y)5.47%
ROCE(5y)5.57%
ROICexgc growth 3Y27.77%
ROICexgc growth 5Y4.57%
ROICexc growth 3Y13.97%
ROICexc growth 5Y-0.54%
OM growth 3Y-3.93%
OM growth 5Y-2.05%
PM growth 3Y-2.91%
PM growth 5Y-1.71%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.4
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.29 | ||
| Debt/FCF | 1.39 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | 2.74% | ||
| Interest Coverage | -21.63 | ||
| Cash Conversion | N/A | ||
| Profit Quality | 167.41% | ||
| Current Ratio | 0.39 | ||
| Quick Ratio | 0.39 | ||
| Altman-Z | 2.03 |
F-Score6
WACC4.94%
ROIC/WACC1.06
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)0.78%
Cap/Sales(5y)0.52%
Profit Quality(3y)89.46%
Profit Quality(5y)104.87%
High Growth Momentum
Growth
EPS 1Y (TTM)-6.17%
EPS 3Y1.91%
EPS 5Y1%
EPS Q2Q%-6.18%
EPS Next Y20.77%
EPS Next 2Y9.84%
EPS Next 3Y8.91%
EPS Next 5YN/A
Revenue 1Y (TTM)1.07%
Revenue growth 3Y17.95%
Revenue growth 5Y12.71%
Sales Q2Q%0.62%
Revenue Next Year4.67%
Revenue Next 2Y4.15%
Revenue Next 3Y4.22%
Revenue Next 5Y2.69%
EBIT growth 1Y-5.02%
EBIT growth 3Y13.31%
EBIT growth 5Y10.39%
EBIT Next YearN/A
EBIT Next 3Y2.15%
EBIT Next 5YN/A
FCF growth 1Y-67.97%
FCF growth 3Y9.75%
FCF growth 5Y6.24%
OCF growth 1Y409.07%
OCF growth 3Y15.47%
OCF growth 5Y9.25%
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 3 / 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 6 / 10.
Can you provide the financial health for T2V1 stock?
The financial health rating of TRYG A/S (T2V1.DE) is 6 / 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 20.77% in the next year.