Tryg ASCHIX:TRYGC 73 ROE % is 9.59% as of Mar. 2026, which is 32% below its 10-year median of 14.12. 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 502 Insurance companies, Tryg AS ranks better than 58.17% on this metric.
ROE % is calculated as Net Income divided by its average Total Stockholders Equity over a certain period of time. Tryg AS's annualized net income for the quarter that ended in Mar. 2026 was kr3,740 Mil. Tryg AS's average Total Stockholders Equity over the quarter that ended in Mar. 2026 was kr38,981 Mil. Therefore, Tryg AS's annualized ROE % for the quarter that ended in Mar. 2026 was 9.59%.
The historical rank and industry rank for Tryg AS's ROE % or its related term are showing as below:
CHIX:TRYGc'
s ROE % Range Over the Past 10 Years
Min: 4.91 Med: 14.12 Max: 25.9
Current: 13.53
During the past 13 years, Tryg AS's highest ROE % was 25.90%. The lowest was 4.91%. And the median was 14.12%.
CHIX:TRYGc's ROE % is ranked better than 58.17% of 502
companies
in the Insurance industry
Industry Median: 11.73
vs CHIX:TRYGc: 13.53
Tryg AS (CHIX:TRYGc) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
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. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their ROE %s can be extremely high.
Tryg AS ROE % Related Terms
Tryg AS ROE % Historical Data
* Premium members only.
The historical data trend for Tryg AS's ROE % 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 ROE %, along with its competitors' market caps and ROE % 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 ROE % vs Insurance Industry
For the Insurance industry and Financial Services sector, Tryg AS's ROE % distribution charts can be found below:
* The bar in red indicates where Tryg AS's ROE % 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 ROE %, the net income of the last fiscal year and the average total shareholder equity 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.
ROE % is displayed in the 30-year financial page.
Tryg AS (CHIX:TRYGC) has a ROE % of 9.59% as of Mar. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Tryg AS and its competitors. This is 32% below median its historical median of 14.12. Over the past decade, Tryg AS's ROE % has ranged from 4.91 to 25.90. According to the industry distribution chart, Tryg AS ranks #210 out of 502 companies in the Insurance industry, placing it in the top 41.8%.
Is Tryg AS's ROE % too high?
Tryg AS's current ROE % of 9.59% is 32% below median its 10-year median of 14.12. Over the past 10 years, this metric has ranged from a low of 4.91 to a high of 25.90. The Insurance industry median ROE % is 11.73. Tryg AS's value of 9.59% is 18.2% below this industry median. Based on the distribution chart, Tryg AS ranks #210 out of 502 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 ROE % compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Tryg AS ranks #210 out of 502 companies for ROE %. This puts Tryg AS in the upper half of its industry. The industry median ROE % is 11.73. Tryg AS's value of 9.59% is 18.2% below this benchmark. Historically, Tryg AS's own ROE % has ranged from 4.91 to 25.90 over the past decade. While the company's 10-year median is 14.12 vs. the industry median of 11.73, 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 ROE % for an Insurance company?
The median ROE % among Insurance companies is 11.73, based on 502 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Tryg AS's current ROE % of 9.59% is 18.2% 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Tryg AS and its competitors. For the Insurance industry, the median ROE % is 11.73 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Tryg AS's current ROE % is 9.59%, which is 32% below median its own 10-year median of 14.12. 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 ROE % is 9.59%, which is 32% below median its 10-year median of 14.12 and 18.2% below the Insurance industry median of 11.73. 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 ROE % calculated?
ROE % is calculated from a company's financial statements. For Tryg AS (CHIX:TRYGC), the current ROE % is 9.59% 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:
ROE %: 9.59% (32% below median its 10-year median of 14.12)
GF Value™: kr161.12 vs. price of kr150.40 (6.7% below fair value)
Industry Position: 18.2% below the Insurance median (#210 of 502)
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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