Tryg ASCHIX:TRYGC +2.61%73 EV-to-FCF is 19.22 as of Jul. 06, 2026, which is 7% below its 10-year median of 20.67. GuruFocus rates CHIX:TRYGC with a GF Score™ of 73/100 and a GF Value™ of kr161.31 (Fairly Valued). The stock has 2 warning signs investors should review. Among 393 Insurance companies, Tryg AS ranks worse than 76.08% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Tryg AS's Enterprise Value is kr95,204 Mil.
Tryg AS's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was kr4,953 Mil. Therefore, Tryg AS's EV-to-FCF for today is 19.22.
The historical rank and industry rank for Tryg AS's EV-to-FCF or its related term are showing as below:
CHIX:TRYGc'
s EV-to-FCF Range Over the Past 10 Years
Min: -702.38 Med: 20.67 Max: 580.33
Current: 19.22
During the past 13 years, the highest EV-to-FCF of Tryg AS was 580.33. The lowest was -702.38. And the median was 20.67.
CHIX:TRYGc's EV-to-FCF is ranked worse than 76.08% of 393
companies
in the Insurance industry
Industry Median: 9.8
vs CHIX:TRYGc: 19.22
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
As of today (2026-07-06), Tryg AS's stock price is kr151.60.
Tryg AS's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 was kr8.550. Therefore, Tryg AS's PE Ratio (TTM) for today is 17.73.
Tryg AS (CHIX:TRYGc) EV-to-FCF Explanation
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Tryg AS's share price for today is kr151.60.
Tryg AS's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was kr8.550.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Tryg AS EV-to-FCF Related Terms
Tryg AS EV-to-FCF Historical Data
* Premium members only.
The historical data trend for Tryg AS's EV-to-FCF can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
CHIX:TRYGC vs BRK.A, AIG, HIG: EV-to-FCF Comparison
For the Insurance - Diversified subindustry, Tryg AS's EV-to-FCF, along with its competitors' market caps and EV-to-FCF data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Tryg AS EV-to-FCF vs Insurance Industry
For the Insurance industry and Financial Services sector, Tryg AS's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Tryg AS's EV-to-FCF falls into.
Tryg AS's current Enterprise Value is kr95,204 Mil.
Tryg AS's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was kr4,953 Mil.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Tryg AS (CHIX:TRYGC) has a EV-to-FCF of 19.22 as of Jul. 06, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Tryg AS and its competitors. This is near median its historical median of 20.67. According to the industry distribution chart, Tryg AS ranks #299 out of 393 companies in the Insurance industry, placing it in the top 76.1%.
Is Tryg AS's EV-to-FCF too high?
Tryg AS's current EV-to-FCF of 19.22 is near median its 10-year median of 20.67. The Insurance industry median EV-to-FCF is 9.80. Tryg AS's value of 19.22 is 96.1% above this industry median. Based on the distribution chart, Tryg AS ranks #299 out of 393 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, Tryg AS has a GF Score™ of 73/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Tryg AS's EV-to-FCF compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Tryg AS ranks #299 out of 393 companies for EV-to-FCF. This places Tryg AS in the lower half of its industry. The industry median EV-to-FCF is 9.80. Tryg AS's value of 19.22 is 96.1% above this benchmark. While the company's 10-year median is 20.67 vs. the industry median of 9.80, Tryg AS has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-FCF for an Insurance company?
The median EV-to-FCF among Insurance companies is 9.80, based on 393 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Tryg AS's current EV-to-FCF of 19.22 is 96.1% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Tryg AS and its competitors. For the Insurance industry, the median EV-to-FCF is 9.80 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Tryg AS's current EV-to-FCF is 19.22, which is near median its own 10-year median of 20.67. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Tryg AS stock overvalued right now?
Based on GuruFocus' analysis, Tryg AS (CHIX:TRYGC) is currently considered Fairly Valued. The stock's GF Value™ is kr161.31, compared to a current price of kr151.60 — trading 6% below its estimated fair value. The current EV-to-FCF is 19.22, which is near median its 10-year median of 20.67 and 96.1% above the Insurance industry median of 9.80. Tryg AS's overall GF Score™ is 73/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Tryg AS (CHIX:TRYGC), the current EV-to-FCF is 19.22 as of Jul. 06, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Tryg AS (CHIX:TRYGC) Overvalued in 2026?
Based on GuruFocus' analysis, Tryg AS stock appears to be undervalued.
The current stock price of kr151.60 is trading 6% below its estimated GF Value™ of kr161.31.
GuruFocus considers Tryg AS to be Fairly Valued.
Key valuation signals for CHIX:TRYGC:
EV-to-FCF: 19.22 (near median its 10-year median of 20.67)
GF Value™: kr161.31 vs. price of kr151.60 (6% below fair value)
Industry Position: 96.1% above the Insurance median (#299 of 393)
No single metric tells the full story. See the CHIX:TRYGC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
For a long period of time Tryg was focussed purely on the Danish market, but over the last two decades the company has built its presence in Scandinavia more broadly. So, while this nonlife insurer derives close to 50% of its revenue from Denmark, it derives another 30% from Sweden and close to 20% from Norway. Comprehensive motor, third-party, accident, and health are Tryg's largest lines of business. Tryg insures both companies and private individuals, though private individuals make up close to two-thirds of revenue. In June 2021 Tryg acquired the Scandinavian operations of Royal Sun Alliance. The acquisition provided Tryg with a significant step forward in Sweden, introducing DKK 8 billion of insurance revenue and DKK 1 billion in Norway.
73GF Score
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