TRYG A/S (T2V1.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:T2V1 - DK0060636678 - Common Stock
21.4 EUR
-0.06 (-0.28%)
Overall T2V1 gets a fundamental rating of 5 out of 10. We evaluated T2V1 against 49 industry peers in the Insurance industry. T2V1 has an average financial health and profitability rating. T2V1 is quite expensive at the moment. It does show a decent growth rate.
1. Profitability
1.1 Basic Checks
T2V1 had positive earnings in the past year.
In the past year T2V1 had a positive cash flow from operations.
In the past 5 years T2V1 has always been profitable.
Each year in the past 5 years T2V1 had a positive operating cash flow.
1.2 Ratios
With an excellent Return On Assets value of 4.68%, T2V1 belongs to the best of the industry, outperforming 91.84% of the companies in the same industry.
T2V1 has a worse Return On Equity (12.59%) than 65.31% of its industry peers.
T2V1's Return On Invested Capital of 5.22% is amongst the best of the industry. T2V1 outperforms 95.92% of its industry peers.
T2V1 had an Average Return On Invested Capital over the past 3 years of 4.13%. This is in line with the industry average of 2.67%.
The last Return On Invested Capital (5.22%) for T2V1 is above the 3 year average (4.13%), which is a sign of increasing profitability.
| 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
With a decent Profit Margin value of 11.80%, T2V1 is doing good in the industry, outperforming 67.35% of the companies in the same industry.
In the last couple of years the Profit Margin of T2V1 has declined.
T2V1's Operating Margin of 17.01% is fine compared to the rest of the industry. T2V1 outperforms 75.51% of its industry peers.
T2V1's Operating Margin has declined in the last couple of years.
| 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.
T2V1 has a better debt/assets ratio than last year.
2.2 Solvency
T2V1 has an Altman-Z score of 2.00. 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.
The Altman-Z score of T2V1 (2.00) is better than 95.92% of its industry peers.
The Debt to FCF ratio of T2V1 is 1.39, which is an excellent value as it means it would take T2V1, only 1.39 years of fcf income to pay off all of its debts.
T2V1 has a better Debt to FCF ratio (1.39) than 77.55% of its industry peers.
T2V1 has a Debt/Equity ratio of 0.29. This is a healthy value indicating a solid balance between debt and equity.
T2V1's Debt to Equity ratio of 0.29 is amongst the best of the industry. T2V1 outperforms 87.76% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.29 | ||
| Debt/FCF | 1.39 | ||
| Altman-Z | 2 |
ROIC/WACC1.07
WACC4.87%
2.3 Liquidity
A Current Ratio of 0.39 indicates that T2V1 may have some problems paying its short term obligations.
T2V1 has a Current ratio of 0.39. This is in the better half of the industry: T2V1 outperforms 73.47% of its industry peers.
T2V1 has a Quick 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.
The Quick ratio of T2V1 (0.39) is better than 73.47% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.39 | ||
| Quick Ratio | 0.39 |
3. Growth
3.1 Past
T2V1 shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -6.17%.
The Earnings Per Share has been growing slightly by 1.00% on average over the past years.
T2V1 shows a small growth in Revenue. In the last year, the Revenue has grown by 1.07%.
T2V1 shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 12.71% yearly.
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
The Earnings Per Share is expected to grow by 8.48% 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 2.99% yearly.
EPS Next Y19.38%
EPS Next 2Y9.29%
EPS Next 3Y8.48%
EPS Next 5YN/A
Revenue Next Year4.67%
Revenue Next 2Y4.15%
Revenue Next 3Y4.22%
Revenue Next 5Y2.99%
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
T2V1 is valuated rather expensively with a Price/Earnings ratio of 20.00.
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.
When comparing the Price/Earnings ratio of T2V1 to the average of the S&P500 Index (26.55), we can say T2V1 is valued slightly cheaper.
A Price/Forward Earnings ratio of 17.37 indicates a rather expensive valuation of T2V1.
T2V1's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. T2V1 is more expensive than 77.55% of the companies in the same industry.
T2V1's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 23.78.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 20 | ||
| Fwd PE | 17.37 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of T2V1 is on the same level as its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 12.05 | ||
| EV/EBITDA | N/A |
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)20.02
EPS Next 2Y9.29%
EPS Next 3Y8.48%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 5.07%, T2V1 is a good candidate for dividend investing.
T2V1's Dividend Yield is a higher than the industry average which is at 4.14.
T2V1's Dividend Yield is rather good when compared to the S&P500 average which is at 1.87.
| 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
101.57% of the earnings are spent on dividend by T2V1. 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 2Y9.29%
EPS Next 3Y8.48%
FRA:T2V1 (12/10/2025, 7:00:00 PM)
21.4
-0.06 (-0.28%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners70.59%
Inst Owner ChangeN/A
Ins Owners0.05%
Ins Owner ChangeN/A
Market Cap13.08B
Revenue(TTM)41.07B
Net Income(TTM)4.84B
Analysts78.95
Price Target24.1 (12.62%)
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)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 20 | ||
| Fwd PE | 17.37 | ||
| P/S | 2.38 | ||
| P/FCF | 12.05 | ||
| P/OCF | 10.58 | ||
| P/B | 2.54 | ||
| P/tB | 13.09 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.07
EY5%
EPS(NY)1.23
Fwd EY5.76%
FCF(TTM)1.78
FCFY8.3%
OCF(TTM)2.02
OCFY9.45%
SpS8.99
BVpS8.43
TBVpS1.63
PEG (NY)1.03
PEG (5Y)20.02
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 |
F-Score6
WACC4.87%
ROIC/WACC1.07
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 Y19.38%
EPS Next 2Y9.29%
EPS Next 3Y8.48%
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 5Y2.99%
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.
Can you provide the valuation status for TRYG A/S?
ChartMill assigns a valuation rating of 3 / 10 to TRYG A/S (T2V1.DE). This can be considered as Overvalued.
How profitable is TRYG A/S (T2V1.DE) stock?
TRYG A/S (T2V1.DE) has a profitability rating of 6 / 10.
What is the financial health of TRYG A/S (T2V1.DE) stock?
The financial health rating of TRYG A/S (T2V1.DE) is 6 / 10.
What is the expected EPS growth for TRYG A/S (T2V1.DE) stock?
The Earnings per Share (EPS) of TRYG A/S (T2V1.DE) is expected to grow by 19.38% in the next year.