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

FRA:T2V1 • DK0060636678

Current stock price

20.38 EUR
+0.14 (+0.69%)
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.
  • In the past 5 years T2V1 has always been profitable.
  • 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

  • Looking at the Return On Assets, with a value of 5.15%, T2V1 belongs to the top of the industry, outperforming 92.86% of the companies in the same industry.
  • Looking at the Return On Equity, with a value of 13.47%, T2V1 is in line with its industry, outperforming 40.48% of the companies in the same industry.
  • The Return On Invested Capital of T2V1 (5.51%) is better than 95.24% of its industry peers.
  • The Average Return On Invested Capital over the past 3 years for T2V1 is above the industry average of 2.85%.
  • 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

  • The Profit Margin of T2V1 (12.63%) is better than 69.05% of its industry peers.
  • In the last couple of years the Profit Margin of T2V1 has remained more or less at the same level.
  • T2V1's Operating Margin of 17.76% is amongst the best of the industry. T2V1 outperforms 83.33% 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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6

2. T2V1.DE Health Analysis

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) just above the Cost of Capital (WACC), T2V1 is creating some value.
  • The number of shares outstanding for T2V1 has been reduced compared to 1 year ago.
  • 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

  • T2V1 has an Altman-Z score of 1.99. 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's Altman-Z score of 1.99 is amongst the best of the industry. T2V1 outperforms 97.62% of its industry peers.
  • T2V1 has a debt to FCF ratio of 1.86. This is a very positive value and a sign of high solvency as it would only need 1.86 years to pay back of all of its debts.
  • T2V1 has a Debt to FCF ratio of 1.86. This is in the better half of the industry: T2V1 outperforms 61.90% of its industry peers.
  • A Debt/Equity ratio of 0.30 indicates that T2V1 is not too dependend on debt financing.
  • The Debt to Equity ratio of T2V1 (0.30) is better than 80.95% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.3
Debt/FCF 1.86
Altman-Z 1.99
ROIC/WACC1.08
WACC5.11%
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 0.50. 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 Current ratio of T2V1 (0.50) is better than 76.19% of its industry peers.
  • T2V1 has a Quick Ratio of 0.50. This is a bad value and indicates that T2V1 is not financially healthy enough and could expect problems in meeting its short term obligations.
  • With a decent Quick ratio value of 0.50, T2V1 is doing good in the industry, outperforming 76.19% of the companies in the same industry.
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. T2V1.DE Growth Analysis

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.
  • The Earnings Per Share has been growing slightly by 1.00% on average over the past years.
  • The Revenue has been growing slightly by 3.96% in the past year.
  • Measured over the past years, T2V1 shows a quite strong growth in Revenue. The Revenue has been growing by 12.85% on average per year.
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

  • T2V1 is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 9.07% yearly.
  • T2V1 is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.81% yearly.
EPS Next Y18.93%
EPS Next 2Y8.87%
EPS Next 3Y8.17%
EPS Next 5Y9.07%
Revenue Next Year4.63%
Revenue Next 2Y4.93%
Revenue Next 3Y4.31%
Revenue Next 5Y3.81%

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.
  • 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 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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3

4. T2V1.DE Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 19.79, the valuation of T2V1 can be described as rather expensive.
  • T2V1's Price/Earnings ratio is a bit more expensive when compared to the industry. T2V1 is more expensive than 73.81% of the companies in the same industry.
  • T2V1's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 24.88.
  • T2V1 is valuated correctly with a Price/Forward Earnings ratio of 16.68.
  • Based on the Price/Forward Earnings ratio, T2V1 is valued more expensive than 85.71% 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 22.19.
Industry RankSector Rank
PE 19.79
Fwd PE 16.68
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

4.2 Price Multiples

  • The rest of the industry has a similar Price/Free Cash Flow ratio as T2V1.
Industry RankSector Rank
P/FCF 14.59
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)1.05
PEG (5Y)19.81
EPS Next 2Y8.87%
EPS Next 3Y8.17%

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6

5. T2V1.DE Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 5.40%, T2V1 is a good candidate for dividend investing.
  • Compared to an average industry Dividend Yield of 4.60, T2V1 pays a bit more dividend than its industry peers.
  • T2V1's Dividend Yield is rather good when compared to the S&P500 average which is at 1.89.
Industry RankSector Rank
Dividend Yield 5.4%

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

  • 93.14% of the earnings are spent on dividend by T2V1. 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 2Y8.87%
EPS Next 3Y8.17%
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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T2V1.DE Fundamentals: All Metrics, Ratios and Statistics

TRYG A/S

FRA:T2V1 (3/27/2026, 7:00:00 PM)

20.38

+0.14 (+0.69%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)01-22
Earnings (Next)04-15
Inst Owners71.04%
Inst Owner ChangeN/A
Ins Owners0.05%
Ins Owner ChangeN/A
Market Cap12.46B
Revenue(TTM)42.27B
Net Income(TTM)5.34B
Analysts73.33
Price Target23.66 (16.09%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 5.4%
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)0%
PT rev (3m)-1.83%
EPS NQ rev (1m)4.09%
EPS NQ rev (3m)-6.1%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.62%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.83%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
Industry RankSector Rank
PE 19.79
Fwd PE 16.68
P/S 2.2
P/FCF 14.59
P/OCF 13.55
P/B 2.35
P/tB 11.32
EV/EBITDA N/A
EPS(TTM)1.03
EY5.05%
EPS(NY)1.22
Fwd EY6%
FCF(TTM)1.4
FCFY6.86%
OCF(TTM)1.5
OCFY7.38%
SpS9.25
BVpS8.67
TBVpS1.8
PEG (NY)1.05
PEG (5Y)19.81
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
WACC5.11%
ROIC/WACC1.08
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 Y18.93%
EPS Next 2Y8.87%
EPS Next 3Y8.17%
EPS Next 5Y9.07%
Revenue 1Y (TTM)3.96%
Revenue growth 3Y18.21%
Revenue growth 5Y12.85%
Sales Q2Q%14.05%
Revenue Next Year4.63%
Revenue Next 2Y4.93%
Revenue Next 3Y4.31%
Revenue Next 5Y3.81%
EBIT growth 1Y7.83%
EBIT growth 3Y21.3%
EBIT growth 5Y13.58%
EBIT Next Year-2.56%
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 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.


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 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 18.93% in the next year.