Tryg A/S (FRA:T2V1)

Tryg A/S Income Statement

Financials in millions DKK. Fiscal year is January - December.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Premiums & Annuity Revenue	41,970	40,575	39,126	38,365	23,768
Total Interest & Dividend Income	997	793	-623	3,408	335
Gain (Loss) on Sale of Investments	110	785	857	-2,894	1,052
Other Revenue	-77	-171	774	-664	48
Total Revenue	43,000	41,982	40,134	38,215	25,203
Revenue Growth (YoY)	2.43%	4.61%	5.02%	51.63%	11.51%
Policy Benefits	28,600	28,324	27,767	28,030	16,895
Policy Acquisition & Underwriting Costs	-	-	-	-	2,655
Selling, General & Administrative	5,425	5,196	4,959	4,702	739
Other Operating Expenses	1,467	1,616	1,667	1,294	414
Reinsurance Income or Expense	-	-	-	-	257
Total Operating Expenses	35,492	35,136	34,393	34,026	20,446
Operating Income	7,508	6,846	5,741	4,189	4,757
Interest Expense	-295	-392	-344	-154	-182
Currency Exchange Gain (Loss)	171	57	17	5	-336
Other Non Operating Income (Expenses)	-	1	-1	1	2
EBT Excluding Unusual Items	7,384	6,512	5,413	4,041	4,241
Merger & Restructuring Charges	-159	-180	-480	-949	-349
Asset Writedown	-13	-28	96	9	64
Other Unusual Items	-	-	-	-50	-
Pretax Income	7,212	6,304	5,029	3,051	3,956
Income Tax Expense	1,807	1,488	1,178	804	795
Earnings From Continuing Ops.	5,405	4,816	3,851	2,247	3,161
Earnings From Discontinued Ops.	-	-	-	-	-3
Net Income	5,405	4,816	3,851	2,247	3,158
Preferred Dividends & Other Adjustments	67	73	57	-	-
Net Income to Common	5,338	4,743	3,794	2,247	3,158
Net Income Growth	12.23%	25.06%	71.38%	-28.85%	13.88%
Shares Outstanding (Basic)	605	615	625	647	573
Shares Outstanding (Diluted)	606	616	626	647	573
Shares Change (YoY)	-1.56%	-1.54%	-3.31%	12.97%	89.83%
EPS (Basic)	8.83	7.71	6.08	3.47	5.51
EPS (Diluted)	8.80	7.70	6.07	3.47	5.51
EPS Growth	14.29%	26.85%	74.93%	-37.07%	-40.00%
Free Cash Flow	6,869	5,640	6,500	193	3,648
Free Cash Flow Per Share	11.33	9.16	10.39	0.30	6.37
Dividend Per Share	8.200	7.800	7.400	6.290	4.280
Dividend Growth	5.13%	5.41%	17.65%	46.96%	-38.86%
Operating Margin	17.46%	16.31%	14.31%	10.96%	18.88%
Profit Margin	12.41%	11.30%	9.45%	5.88%	12.53%
Free Cash Flow Margin	15.97%	13.43%	16.20%	0.51%	14.47%
EBITDA	8,454	7,801	6,731	4,960	4,904
EBITDA Margin	19.66%	18.58%	16.77%	12.98%	19.46%
D&A For EBITDA	946	955	990	771	147
EBIT	7,508	6,846	5,741	4,189	4,757
EBIT Margin	17.46%	16.31%	14.31%	10.96%	18.88%
Effective Tax Rate	25.05%	23.60%	23.42%	26.35%	20.10%

Source: S&P Global Market Intelligence. Insurance template. Financial Sources.