Tryg ASCHIX:TRYGC 73 ROA % is 3.61% as of Mar. 2026, which is 20% below its 10-year median of 4.53. GuruFocus rates CHIX:TRYGC with a GF Score™ of 73/100 and a GF Value™ of kr164.87 (Fairly Valued). The stock has 2 warning signs investors should review. Among 506 Insurance companies, Tryg AS ranks better than 75.3% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Tryg AS's annualizedNet Income for the quarter that ended in Mar. 2026 was kr3,740 Mil.
Tryg AS's average Total Assets over the quarter that ended in Mar. 2026 was kr103,599 Mil. Therefore, Tryg AS's annualized ROA % for the quarter that ended in Mar. 2026 was 3.61%.
The historical rank and industry rank for Tryg AS's ROA % or its related term are showing as below:
CHIX:TRYGc'
s ROA % Range Over the Past 10 Years
Min: 2.1 Med: 4.53 Max: 5.2
Current: 5.02
During the past 13 years, Tryg AS's highest ROA % was 5.20%. The lowest was 2.10%. And the median was 4.53%.
CHIX:TRYGc's ROA % is ranked better than 75.3% of 506
companies
in the Insurance industry
Industry Median: 2.7
vs CHIX:TRYGc: 5.02
Tryg AS (CHIX:TRYGc) ROA % Explanation
ROA % measures the rate of return on the total assets (shareholder equity plus liabilities). It measures a firm's efficiency at generating profits from shareholders' equity plus its liabilities. ROA % shows how well a company uses what it has to generate earnings. ROA %s can vary drastically across industries. Therefore, ROA % should not be used to compare companies in different industries. For retailers, a ROA % of higher than 5% is expected. For example, Wal-Mart (WMT) has a ROA % of about 8% as of 2012. For banks, ROA % is close to their interest spread. A banks ROA % is typically well under 2%.
Similar to ROE, ROA % is affected by profit margins and asset turnover. This can be seen from the Du Pont Formula:
Note:
The Net Income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue data.
* 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.
Be Aware
Like ROE, ROA % is calculated with only 12 months data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. ROA % can be affected by events such as stock buyback or issuance, and by goodwill, a company's tax rate and its interest payment. ROA % may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high ROA % may indicate vulnerability in the durability of the competitive advantage.
E.g. Raising $43b to take on KO is impossible, but $1.7b to take on Moody's is. Although Moody's ROA % and underlying economics is far superior to Coca Cola, the durability is far weaker because of lower entry cost.
Tryg AS ROA % Related Terms
Tryg AS ROA % Historical Data
* Premium members only.
The historical data trend for Tryg AS's ROA % 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.
For the Insurance - Diversified subindustry, Tryg AS's ROA %, along with its competitors' market caps and ROA % 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 ROA % vs Insurance Industry
For the Insurance industry and Financial Services sector, Tryg AS's ROA % distribution charts can be found below:
* The bar in red indicates where Tryg AS's ROA % 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.
In the calculation of annual ROA %, the net income of the last fiscal year and the average total assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Mar. 2026) net income data.
ROA % is displayed in the 30-year financial page.
Tryg AS (CHIX:TRYGC) has a ROA % of 3.61% as of Mar. 2026. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Tryg AS and its competitors. This is 20% below median its historical median of 4.53. Over the past decade, Tryg AS's ROA % has ranged from 2.10 to 5.20. According to the industry distribution chart, Tryg AS ranks #125 out of 506 companies in the Insurance industry, placing it in the top 24.7%.
Is Tryg AS's ROA % too high?
Tryg AS's current ROA % of 3.61% is 20% below median its 10-year median of 4.53. Over the past 10 years, this metric has ranged from a low of 2.10 to a high of 5.20. The Insurance industry median ROA % is 2.70. Tryg AS's value of 3.61% is 33.7% above this industry median. Based on the distribution chart, Tryg AS ranks #125 out of 506 companies in the Insurance industry, which is in the top quartile — a strong position 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 ROA % compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Tryg AS ranks #125 out of 506 companies for ROA %. This places Tryg AS in the top 25% of its industry — outperforming the majority of peers. The industry median ROA % is 2.70. Tryg AS's value of 3.61% is 33.7% above this benchmark. Historically, Tryg AS's own ROA % has ranged from 2.10 to 5.20 over the past decade. While the company's 10-year median is 4.53 vs. the industry median of 2.70, 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 ROA % for an Insurance company?
The median ROA % among Insurance companies is 2.70, based on 506 companies in the industry. Companies in the top quartile (top 25%) have a ROA % significantly above this median, while those in the bottom quartile fall well below. However, ROA % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Tryg AS's current ROA % of 3.61% is 33.7% 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 ROA % mean?
A high ROA % can signal that a stock is expensive relative to its fundamentals. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Tryg AS and its competitors. For the Insurance industry, the median ROA % is 2.70 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Tryg AS's current ROA % is 3.61%, which is 20% below median its own 10-year median of 4.53. 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 kr164.87, compared to a current price of kr150.40 — trading 8.8% below its estimated fair value. The current ROA % is 3.61%, which is 20% below median its 10-year median of 4.53 and 33.7% above the Insurance industry median of 2.70. 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 ROA % calculated?
ROA % is calculated from a company's financial statements. For Tryg AS (CHIX:TRYGC), the current ROA % is 3.61% 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 8.8% below its estimated GF Value™ of kr164.87.
GuruFocus considers Tryg AS to be Fairly Valued.
Key valuation signals for CHIX:TRYGC:
ROA %: 3.61% (20% below median its 10-year median of 4.53)
GF Value™: kr164.87 vs. price of kr150.40 (8.8% below fair value)
Industry Position: 33.7% above the Insurance median (#125 of 506)
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
Get the complete analysis for CHIX:TRYGC
ROA % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
CHIX:TRYGC has been successfully added to your 
