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Tryg (TRYG) investor relations material
Tryg Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary10 Oct, 2025
Executive summary
Insurance service result reached DKK 2,181m in Q3 2025, up 7% year-over-year on a normalized basis, driven by price adjustments and strong underwriting performance.
Premiums/insurance revenue grew 3.4% in Q3, or 4% when adjusted for a one-off in the prior year, mainly from Norway.
Combined ratio improved to 78.6%, reflecting strong profitability and tight cost control across all segments and geographies.
Customer satisfaction reached 82%, progressing toward the 2027 target of 83%, supported by digital initiatives.
Profit after tax was DKK 1,479m, with pre-tax profit at DKK 1,980m.
Financial highlights
Underlying claims ratio improved by 30bps year-over-year, mainly driven by Norway.
Investment result was DKK 177m, supported by both free and matched portfolios, but down from DKK 526m in Q3 2024.
Quarterly dividend increased to DKK 2.05 per share, up over 5% year-over-year.
Solvency ratio increased to 204% from 199% in the previous quarter, supported by strong operating earnings and lower real estate exposure.
Expense ratio was stable at 13.3%, reflecting continued cost control.
Outlook and guidance
Underlying claims and expense ratios expected to remain stable or improve slightly toward 2027.
Combined ratio target of around 81% for 2027, with ISR guidance of DKK 8.0–8.4bn and ROOF 35–40%.
Capital repatriation review planned at year-end, with potential for extraordinary returns.
Strategic focus through 2027 on scale, technical excellence, and customer/commercial excellence.
Several commercial initiatives, including new Swedish motor partnerships, are expected to impact growth in 2026 and beyond.
Why change inflation risk hedging strategy?
Detail 2026+ growth drivers from new partnerships
How does solvency ratio support future remuneration?
Detail new commercial growth initiatives.
Extraordinary capital repatriation timing?
Norway's sustainable earnings outlook?
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Q4 202522 Jan, 2026
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Frequently asked questions
Tryg A/S provides insurance products and services for private and corporate customers, and small and medium sized businesses. In the United Kingdom, the Group's main brand is known as "Lloyd’s." It operates through two segments: Personal Insurance and Corporate & Other Businesses. The Personal Insurance segment offers car insurance, home insurance, travel insurance and motorbike insurance products with an emphasis on private customers; it also offers commercial property insurance for individuals and businesses. The Corporate & Other Businesses segment covers property damage liability in addition to non-life related business insurance products including aviation liability, professional indemnity and marine warranties. The company is based in Ballerup, Denmark.
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