Tryg ASCHIX:TRYGC 73 Pretax Margin % is 12.13% as of Mar. 2026, which is 24% below its 10-year median of 16.03. GuruFocus rates CHIX:TRYGC with a GF Score™ of 73/100 and a GF Value™ of kr161.24 (Fairly Valued). The stock has 2 warning signs investors should review. Among 505 Insurance companies, Tryg AS ranks better than 65.94% on this metric.
Pre-Tax margin is calculated as Pre-Tax Income divided by its Revenue. Tryg AS's Pre-Tax Income for the
three
months ended in Mar. 2026 was kr1,276 Mil. Tryg AS's Revenue for the
three
months ended in Mar. 2026 was kr10,522 Mil. Therefore, Tryg AS's pretax margin for the quarter that ended in Mar. 2026 was 12.13%.
The historical rank and industry rank for Tryg AS's Pretax Margin % or its related term are showing as below:
CHIX:TRYGc'
s Pretax Margin % Range Over the Past 10 Years
Min: 9 Med: 16.03 Max: 18.36
Current: 16.72
CHIX:TRYGc's Pretax Margin % is ranked better than 65.94% of 505
companies
in the Insurance industry
Industry Median: 12
vs CHIX:TRYGc: 16.72
Tryg AS (CHIX:TRYGc) Pretax Margin % Explanation
The pretax margin, as know as pretax profit margin, is widely used to measure the operating efficiency of a company before deducting taxes.
The pretax margin is sometimes preferred over the net margin as tax expenditures can make profitability comparisons between companies misleading.
It is a useful tool to compare companies operating in the same sector and less effective when comparing companies from other sectors as each industry generally has different operating expenses and sales patterns.
The long term trend of the pretax margin is a good indicator of the competitiveness and health of the business.
Tryg AS Pretax Margin % Related Terms
Tryg AS Pretax Margin % Historical Data
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The historical data trend for Tryg AS's Pretax 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: Pretax Margin % Comparison
For the Insurance - Diversified subindustry, Tryg AS's Pretax Margin %, along with its competitors' market caps and Pretax 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 Pretax Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, Tryg AS's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Tryg AS's Pretax 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 Pretax Margin % of 12.13% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Tryg AS and its competitors. This is 24% below median its historical median of 16.03. Over the past decade, Tryg AS's Pretax Margin % has ranged from 9.00 to 18.36. According to the industry distribution chart, Tryg AS ranks #172 out of 505 companies in the Insurance industry, placing it in the top 34.1%.
Is Tryg AS's Pretax Margin % too high?
Tryg AS's current Pretax Margin % of 12.13% is 24% below median its 10-year median of 16.03. Over the past 10 years, this metric has ranged from a low of 9.00 to a high of 18.36. The Insurance industry median Pretax Margin % is 12.00. Tryg AS's value of 12.13% is 1.1% above this industry median. Based on the distribution chart, Tryg AS ranks #172 out of 505 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 Pretax Margin % compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Tryg AS ranks #172 out of 505 companies for Pretax Margin %. This puts Tryg AS in the upper half of its industry. The industry median Pretax Margin % is 12.00. Tryg AS's value of 12.13% is 1.1% above this benchmark. Historically, Tryg AS's own Pretax Margin % has ranged from 9.00 to 18.36 over the past decade. While the company's 10-year median is 16.03 vs. the industry median of 12.00, 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 Pretax Margin % for an Insurance company?
The median Pretax Margin % among Insurance companies is 12.00, based on 505 companies in the industry. Companies in the top quartile (top 25%) have a Pretax Margin % significantly above this median, while those in the bottom quartile fall well below. However, Pretax Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Tryg AS's current Pretax Margin % of 12.13% is 1.1% 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 Pretax Margin % mean?
A high Pretax Margin % can signal that a stock is expensive relative to its fundamentals. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Tryg AS and its competitors. For the Insurance industry, the median Pretax Margin % is 12.00 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Tryg AS's current Pretax Margin % is 12.13%, which is 24% below median its own 10-year median of 16.03. 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 kr161.24, compared to a current price of kr150.40 — trading 6.7% below its estimated fair value. The current Pretax Margin % is 12.13%, which is 24% below median its 10-year median of 16.03 and 1.1% above the Insurance industry median of 12.00. 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 Pretax Margin % calculated?
Pretax Margin % is calculated from a company's financial statements. For Tryg AS (CHIX:TRYGC), the current Pretax Margin % is 12.13% 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 kr161.24.
GuruFocus considers Tryg AS to be Fairly Valued.
Key valuation signals for CHIX:TRYGC:
Pretax Margin %: 12.13% (24% below median its 10-year median of 16.03)
GF Value™: kr161.24 vs. price of kr150.40 (6.7% below fair value)
Industry Position: 1.1% above the Insurance median (#172 of 505)
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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Pretax Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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