Market Price

20.92 

0.10 0.5%

as of Oct 22 '18

52 Week Range:

18.30 21.40


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

Tryg A/S, together with its subsidiaries, provides general insurance products for private individuals, small and medium sized businesses, industrial clients, and corporate customers in Denmark, Norway, and Sweden. The company operates through Private, Commercial, Corporate, and Sweden segments. It provides motor insurance that covers injuries to a third party or damage to a third party's property, as well as damage to the customer's own vehicle from collision, fire, or theft; private fire and contents insurance comprising house and contents insurance; commercial fire and contents insurance, including building insurance; personal accident insurance; workers' compensation insurance; general third-party liability insurance; transport insurance; and health insurance. Tryg A/S sells its products through call centers, car dealers, real estate agents, franchisees, Nordea branches, Internet, tied and owned agents, interest organizations, and insurance brokers, as well as through business partners under the Tryg, Tryg Garanti, Moderna, Atlantica, Bilsport & MC, Securator, Moderna Försäkringar, and Moderna Djurförsäkringar brands. The company was founded in 1731 and is headquartered in Ballerup, Denmark. Tryg A/S is a subsidiary of TryghedsGruppen smba.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '07 Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Equity (BVPS) 3.95
4.17
3.50
3.94
3.86
4.58
4.79
4.98
4.38
4.49
3.83
growth rate 5.6% -16.1% 12.6% -2.0% 18.7% 4.6% 4.0% -12.1% 2.5% -14.7%
Earnings BIT 3,098.00
3,336.00
2,388.00
3,002.00
3,337.00
growth rate 7.7% -28.4% 25.7% 11.2%
Avg.PE 13.99
13.06
growth rate -6.7%
ROA 5.23
2.06
4.83
1.24
2.20
4.11
4.40
4.84
3.83
4.89
4.97
growth rate -60.6% 134.5% -74.3% 77.4% 86.8% 7.1% 10.0% -20.9% 27.7% 1.6%
ROE 9.27
22.42
6.54
13.05
22.10
21.45
23.01
18.91
25.65
22.83
growth rate 141.9% -70.8% 99.5% 69.4% -2.9% 7.3% -17.8% 35.6% -11.0%
Leverage 4.66
4.63
5.98
5.91
4.95
4.81
4.70
5.22
5.28
4.07
growth rate -0.6% 29.2% -1.2% -16.2% -2.8% -2.3% 11.1% 1.2% -22.9%
Balance Sheet Dec '07 Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Acct.Receivable 2,260.00
1,454.00
2,250.00
2,754.00
2,428.00
growth rate -35.7% 54.8% 22.4% -11.8%
Acct.Payable 26,864.00
26,025.00
26,603.00
26,433.00
24,877.00
growth rate -3.1% 2.2% -0.6% -5.9%
Cur.Assets 49,141.00
47,926.00
46,968.00
46,387.00
48,646.00
growth rate -2.5% -2.0% -1.2% 4.9%
Total Assets 53,371.00
52,224.00
51,281.00
49,861.00
51,367.00
growth rate -2.2% -1.8% -2.8% 3.0%
Cash 553.00
505.00
471.00
475.00
509.00
growth rate -8.7% -6.7% 0.9% 7.2%
Cur.Liabilities 36,960.00
36,094.00
37,433.00
35,204.00
33,823.00
growth rate -2.3% 3.7% -6.0% -3.9%
Liabilities 42,264.00
41,105.00
41,637.00
40,424.00
38,751.00
growth rate -2.7% 1.3% -2.9% -4.1%
LT Debt 1,818.00
1,768.00
1,698.00
2,567.00
2,412.00
growth rate -2.8% -4.0% 51.2% -6.0%
Equity 11,119.00
9,644.00
9,437.00
12,616.00
growth rate -13.3% -2.2% 33.7%
Common Shares 338.00
331.00
317.00
312.00
302.00
304.00
301.00
293.00
285.00
279.00
276.00
growth rate -2.1% -4.2% -1.6% -3.2% 0.7% -1.0% -2.7% -2.7% -2.1% -1.1%
Cash Flow Statement Dec '07 Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Capital Expenditures 6.00
17.00
46.00
123.00
48.00
growth rate 183.3% 170.6% 167.4% -61.0%
Cash Dividends 1,656.00
2,380.00
1,714.00
2,279.00
growth rate 43.7% -28.0% 33.0%
Cash From OA 2,266.00
1,991.00
1,211.00
1,546.00
1,720.00
growth rate -12.1% -39.2% 27.7% 11.3%
FCF per Share 1.09
0.98
0.27
0.70
0.66
1.37
1.13
0.81
0.55
0.60
0.80
growth rate -10.1% -72.5% 159.3% -5.7% 107.6% -17.5% -28.3% -32.1% 9.1% 33.3%
Sale Purchase of Stock 49.00
13.00
1.00
3,994.00
growth rate -73.5% -92.3% 399,300.0%
FCF 2,477.00
674.00
2,030.00
1,370.00
2,509.00
2,605.00
2,242.00
1,732.00
1,165.00
1,288.00
1,570.00
growth rate -72.8% 201.2% -32.5% 83.1% 3.8% -13.9% -22.8% -32.7% 10.6% 21.9%
Income Statement Dec '07 Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Sales 19,515.00
18,359.00
17,202.00
17,559.00
17,702.00
growth rate -5.9% -6.3% 2.1% 0.8%
Op.Income 3,098.00
3,336.00
2,388.00
3,002.00
3,337.00
growth rate 7.7% -28.4% 25.7% 11.2%
IBT 3,302.00
2,310.00
3,220.00
3,239.00
growth rate -30.0% 39.4% 0.6%
Net Income 2,369.00
2,557.00
1,969.00
2,471.00
2,517.00
growth rate 7.9% -23.0% 25.5% 1.9%
EPS 6.70
2.56
6.34
1.90
3.78
7.28
7.86
8.73
6.91
8.84
9.12
growth rate -61.8% 147.7% -70.0% 99.0% 92.6% 8.0% 11.1% -20.9% 27.9% 3.2%
Gross Profit 3,965.00
4,139.00
3,136.00
3,721.00
3,985.00
growth rate 4.4% -24.2% 18.7% 7.1%

Quarterly Statements

Item Name Sep '17 Dec '17 Mar '18 Jun '18 Sep '18
Earnings BIT 828.00
699.00
497.00
732.00
902.00
growth rate -15.6% -28.9% 47.3% 23.2%
Balance Sheet Sep '17 Dec '17 Mar '18 Jun '18 Sep '18
Acct.Receivable 1,905.00
2,428.00
3,093.00
3,019.00
2,885.00
growth rate 27.5% 27.4% -2.4% -4.4%
Acct.Payable 25,457.00
24,877.00
25,279.00
24,882.00
25,094.00
growth rate -2.3% 1.6% -1.6% 0.9%
Cur.Assets 5,549.00
48,646.00
7,411.00
7,315.00
6,423.00
growth rate 776.7% -84.8% -1.3% -12.2%
Total Assets 47,726.00
51,367.00
52,749.00
54,440.00
52,514.00
growth rate 7.6% 2.7% 3.2% -3.5%
Cash 465.00
509.00
742.00
1,208.00
410.00
growth rate 9.5% 45.8% 62.8% -66.1%
Cur.Liabilities 34,406.00
33,823.00
36,651.00
37,446.00
35,310.00
growth rate -1.7% 8.4% 2.2% -5.7%
Liabilities 39,122.00
38,751.00
41,167.00
42,743.00
40,700.00
growth rate -1.0% 6.2% 3.8% -4.8%
LT Debt 2,501.00
2,412.00
2,422.00
2,922.00
2,951.00
growth rate -3.6% 0.4% 20.6% 1.0%
Equity 8,604.00
12,616.00
11,582.00
11,697.00
11,814.00
growth rate 46.6% -8.2% 1.0% 1.0%
Common Shares 1,374.00
1,511.00
1,511.00
1,511.00
1,511.00
growth rate 10.0% 0.0% 0.0% 0.0%
Cash Flow Statement Sep '17 Dec '17 Mar '18 Jun '18 Sep '18
Capital Expenditures 10.00
38.00
3.00
1.00
32.00
growth rate 280.0% -92.1% -66.7% 3,100.0%
Cash Dividends 452.00
1,483.00
1,483.00
499.00
499.00
growth rate 228.1% 0.0% -66.4% 0.0%
Cash From OA 894.00
-602.00
1,950.00
837.00
-306.00
growth rate -100.0% 100.0% -57.1% -100.0%
Sale Purchase of Stock 3,994.00
3,994.00
65.00
65.00
growth rate 0.0% -98.4% 0.0%
FCF 884.00
-640.00
1,947.00
836.00
-338.00
growth rate -100.0% 100.0% -57.1% -100.0%
Income Statement Sep '17 Dec '17 Mar '18 Jun '18 Sep '18
Sales 4,399.00
4,300.00
4,189.00
4,256.00
4,592.00
growth rate -2.3% -2.6% 1.6% 7.9%
Op.Income 828.00
699.00
497.00
732.00
902.00
growth rate -15.6% -28.9% 47.3% 23.2%
IBT 860.00
685.00
553.00
735.00
825.00
growth rate -20.4% -19.3% 32.9% 12.2%
Net Income 671.00
527.00
426.00
568.00
627.00
growth rate -21.5% -19.2% 33.3% 10.4%
Gross Profit 992.00
840.00
661.00
887.00
1,055.00
growth rate -15.3% -21.3% 34.2% 18.9%

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

E (31.58)

YOY Growth Grade:

F (8.07)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 17.82 18.50
EPS / Growth 1.13

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 17.5%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 17.5% 17.5% 17.5%
Future PE 0.01 17.58 17.58
Future EPS 5.65 5.65 5.65
Value Price
MOS %
0.01
-99.9%
24.57
17.5%
24.57
17.5%
MOS Price 0.01 12.29 12.29
IRT 8.20 8.20 8.20

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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