Tryg ASCHIX:TRYGC -0.13%73 Net Margin % is 8.89% as of Mar. 2026, which is 29% below its 10-year median of 12.56. GuruFocus rates CHIX:TRYGC with a GF Score™ of 73/100 and a GF Value™ of kr161.12 (Fairly Valued). The stock has 2 warning signs investors should review. Among 501 Insurance companies, Tryg AS ranks better than 64.87% on this metric.
Net margin is calculated as Net Income divided by its Revenue. Tryg AS's Net Income for the
three
months ended in Mar. 2026 was kr935 Mil. Tryg AS's Revenue for the
three
months ended in Mar. 2026 was kr10,522 Mil. Therefore, Tryg AS's net margin for the quarter that ended in Mar. 2026 was 8.89%.
The historical rank and industry rank for Tryg AS's Net Margin % or its related term are showing as below:
CHIX:TRYGc'
s Net Margin % Range Over the Past 10 Years
Min: 6.63 Med: 12.56 Max: 14.27
Current: 12.52
CHIX:TRYGc's Net Margin % is ranked better than 64.87% of 501
companies
in the Insurance industry
Industry Median: 9.29
vs CHIX:TRYGc: 12.52
Tryg AS (CHIX:TRYGc) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Tryg AS Net Margin % Related Terms
Tryg AS Net Margin % Historical Data
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The historical data trend for Tryg AS's Net Margin % 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: Net Margin % Comparison
For the Insurance - Diversified subindustry, Tryg AS's Net Margin %, along with its competitors' market caps and Net Margin % 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 Net Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, Tryg AS's Net Margin % distribution charts can be found below:
* The bar in red indicates where Tryg AS's Net Margin % falls into.
* 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 Net Margin % of 8.89% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Tryg AS and its competitors. This is 29% below median its historical median of 12.56. Over the past decade, Tryg AS's Net Margin % has ranged from 6.63 to 14.27. According to the industry distribution chart, Tryg AS ranks #176 out of 501 companies in the Insurance industry, placing it in the top 35.1%.
Is Tryg AS's Net Margin % too high?
Tryg AS's current Net Margin % of 8.89% is 29% below median its 10-year median of 12.56. Over the past 10 years, this metric has ranged from a low of 6.63 to a high of 14.27. The Insurance industry median Net Margin % is 9.29. Tryg AS's value of 8.89% is 4.3% below this industry median. Based on the distribution chart, Tryg AS ranks #176 out of 501 companies in the Insurance industry, which is above the industry midpoint. 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 Net Margin % compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Tryg AS ranks #176 out of 501 companies for Net Margin %. This puts Tryg AS in the upper half of its industry. The industry median Net Margin % is 9.29. Tryg AS's value of 8.89% is 4.3% below this benchmark. Historically, Tryg AS's own Net Margin % has ranged from 6.63 to 14.27 over the past decade. While the company's 10-year median is 12.56 vs. the industry median of 9.29, Tryg AS has consistently been below 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 Net Margin % for an Insurance company?
The median Net Margin % among Insurance companies is 9.29, based on 501 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Tryg AS's current Net Margin % of 8.89% is 4.3% below 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Tryg AS and its competitors. For the Insurance industry, the median Net Margin % is 9.29 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Tryg AS's current Net Margin % is 8.89%, which is 29% below median its own 10-year median of 12.56. 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 kr161.12, compared to a current price of kr150.40 — trading 6.7% below its estimated fair value. The current Net Margin % is 8.89%, which is 29% below median its 10-year median of 12.56 and 4.3% below the Insurance industry median of 9.29. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Tryg AS (CHIX:TRYGC), the current Net Margin % is 8.89% as of Mar. 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 kr150.40 is trading 6.7% below its estimated GF Value™ of kr161.12.
GuruFocus considers Tryg AS to be Fairly Valued.
Key valuation signals for CHIX:TRYGC:
Net Margin %: 8.89% (29% below median its 10-year median of 12.56)
GF Value™: kr161.12 vs. price of kr150.40 (6.7% below fair value)
Industry Position: 4.3% below the Insurance median (#176 of 501)
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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Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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