{"success":true,"data":{"pressRelease":{"id":"165027","rtpr_id":"nGNE58Slt9-20261009","ticker":"TRYG","exchange":"Nasdaq Copenhagen","all_tickers":["TRYG"],"title":"REG-Tryg A/S – interim report Q1-Q3 2026","author":"Globe Newswire","published_at":"2026-10-09T05:30:00.065Z","article_body":"Tryg’s Supervisory Board has today approved the interim report for Q1-Q3\n2026.\n\nTryg reported a record-high insurance service result of DKK 2,454m (DKK\n2,181m) and a combined ratio of 76.8% (78.6%) in Q3 2026. The higher insurance\nservice result was supported by an underlying claims ratio improvement of\n60bps, up from 50bps in Q2 2026, including solid improvements in Norway and a\nGroup revenue growth of 4.1% in DKK. Measured in local currencies, revenue\ngrowth was 2.3% (3.4%). The investment result was DKK 42m (DKK 177m), a\nsatisfactory level in light of the recent market volatility and interest rate\ndevelopment. Pre-tax profit was DKK 2,123m (DKK 1,980m) and profit after tax\nwas DKK 1,625m (DKK 1,479m). Ordinary dividend of DKK 2.15 (DKK 2.05) per\nshare for the year is an increase of around 5% from the previous year. The\nreported solvency ratio at the end of Q3 2026 was 203% (196% Q2 2026),\nsupportive of future shareholder remuneration.\n\nFinancial highlights Q3 2026\n* Insurance revenue growth of 4.1% in DKK, or 2.3% in local currencies (3.4%\nin local currencies)\n* Insurance service result of DKK 2,454m (DKK 2,181m)\n* Combined ratio of 76.8% (78.6%)\n* Expense ratio of 13.3% (13.3%)\n* Investment result of DKK 42m (DKK 177m)\n* Profit before tax of DKK 2,123m (DKK 1,980m)\n* Ordinary dividend of DKK 2.15 (DKK 2.05) per share and solvency ratio of\n203% (196% Q2 2026)\nFinancial highlights Q1-Q3 2026\n* Insurance revenue growth of 5.0% in DKK, or 3.0% in local currencies (3.7%\nin local currencies)\n* Insurance service result of DKK 5,299m (DKK 6,028m), or DKK 6,499m adjusted\nfor the one-off provision on Danish workers' compensation booked in Q2 2026\n* Combined ratio of 83.2% (80.0%), or 79.4% adjusted for the one-off provision\non Danish workers' compensation booked in Q2 2026\n* Expense ratio of 13.3% (13.4%)\n* Investment result of DKK 306m (DKK 607m)\n* Profit before tax of DKK 4,476m (DKK 5,505m), or DKK 5,676m adjusted for the\none-off provision on Danish workers' compensation booked in Q2 2026\n* Ordinary dividend of DKK 6.45 (DKK 6.15) per share and solvency ratio of\n203%\nCustomer highlights Q3 2026\n* Customer satisfaction score of 83 (baseline CMD 2024 is 81)\nStatement by Tryg Group CEO, Johan Kirstein Brammer:\nTryg delivered the highest ever reported insurance service result supported by\nstrong results in Sweden and Norway, and benign levels of large and weather\nclaims. I am pleased that customer satisfaction continued its positive\nmomentum and reached a record-high level, while sales improved by double-digit\npercentages on a Group level. This reflects our continued focus on having an\nattractive value proposition and delivering strong customer experiences.\n\nIn addition to several initiatives launched to support commercial momentum, we\nhave also proudly announced three significant new motor partnerships with\nMercedes-Benz in Sweden, Tesla in Denmark, and XPENG in Norway. This creates\nfurther opportunities for profitable growth within the motor segment,\nsupporting the ambitions set out in our United Towards 27’ Strategy.\n\nConference call\nTryg hosts a conference call today at 10:00 CET. CEO Johan Kirstein Brammer,\nCFO Allan Kragh Thaysen, CTO Mikael Kärrsten and Head of Financial Reporting,\nSVP Gianandrea Roberti will present the results in brief followed by Q&As.\n\nThe conference call will be held in English. An on-demand version will be\navailable shortly after the conference call has ended.\n\nConference call details:\nDanish participants:        +45 78 76 84 90\nUK participants:        +44 203 769 6819\nUS participants:        +1 646 787 0157\nPIN: 560768\nThe interim report material can be downloaded on www.tryg.com/downloads-2026\nshortly after the time of release.\n\nContact information:\n* Gianandrea Roberti, Head of Financial Reporting, SVP, +45 20 18 82 67,\ngianandrea.roberti@tryg.dk\n* Robin Hjelgaard Løfgren, Head of Investor Relations, +45 41 86 25 88,\nrobin.loefgren@tryg.dk\n* Camilla Lercke Odgaard, Head of Communications, SVP +45 53 39 23 84,\ncamilla.lercke@tryg.dk\nVisit tryg.com\n(https://www.globenewswire.com/Tracker?data=ZixInQ-iH2e2rEVHDoboZ4IoJqK2mI8cfkhPrFZqTl8g6216vAIlP8JCzIYQDQNUWbfCPfPa52k77Fsu4up1hw==)\nfor more information.\n\n \n\nAttachment\n*     Interim report Q1-Q3 2026 -TRYG A_S\n(https://ml-eu.globenewswire.com/Resource/Download/f1d4c12a-c66f-49ba-bed4-9a8f16cc606f)","article_body_html":"","raw_payload":{"data":{"id":"nGNE58Slt9-20261009","title":"REG-Tryg A/S – interim report Q1-Q3 2026","author":"Globe Newswire","ticker":"TRYG","created":"2026-10-09T05:30:00.065Z","tickers":["TRYG"],"exchange":"Nasdaq Copenhagen","article_body":"Tryg’s Supervisory Board has today approved the interim report for Q1-Q3\n2026.\n\nTryg reported a record-high insurance service result of DKK 2,454m (DKK\n2,181m) and a combined ratio of 76.8% (78.6%) in Q3 2026. The higher insurance\nservice result was supported by an underlying claims ratio improvement of\n60bps, up from 50bps in Q2 2026, including solid improvements in Norway and a\nGroup revenue growth of 4.1% in DKK. Measured in local currencies, revenue\ngrowth was 2.3% (3.4%). The investment result was DKK 42m (DKK 177m), a\nsatisfactory level in light of the recent market volatility and interest rate\ndevelopment. Pre-tax profit was DKK 2,123m (DKK 1,980m) and profit after tax\nwas DKK 1,625m (DKK 1,479m). Ordinary dividend of DKK 2.15 (DKK 2.05) per\nshare for the year is an increase of around 5% from the previous year. The\nreported solvency ratio at the end of Q3 2026 was 203% (196% Q2 2026),\nsupportive of future shareholder remuneration.\n\nFinancial highlights Q3 2026\n* Insurance revenue growth of 4.1% in DKK, or 2.3% in local currencies (3.4%\nin local currencies)\n* Insurance service result of DKK 2,454m (DKK 2,181m)\n* Combined ratio of 76.8% (78.6%)\n* Expense ratio of 13.3% (13.3%)\n* Investment result of DKK 42m (DKK 177m)\n* Profit before tax of DKK 2,123m (DKK 1,980m)\n* Ordinary dividend of DKK 2.15 (DKK 2.05) per share and solvency ratio of\n203% (196% Q2 2026)\nFinancial highlights Q1-Q3 2026\n* Insurance revenue growth of 5.0% in DKK, or 3.0% in local currencies (3.7%\nin local currencies)\n* Insurance service result of DKK 5,299m (DKK 6,028m), or DKK 6,499m adjusted\nfor the one-off provision on Danish workers' compensation booked in Q2 2026\n* Combined ratio of 83.2% (80.0%), or 79.4% adjusted for the one-off provision\non Danish workers' compensation booked in Q2 2026\n* Expense ratio of 13.3% (13.4%)\n* Investment result of DKK 306m (DKK 607m)\n* Profit before tax of DKK 4,476m (DKK 5,505m), or DKK 5,676m adjusted for the\none-off provision on Danish workers' compensation booked in Q2 2026\n* Ordinary dividend of DKK 6.45 (DKK 6.15) per share and solvency ratio of\n203%\nCustomer highlights Q3 2026\n* Customer satisfaction score of 83 (baseline CMD 2024 is 81)\nStatement by Tryg Group CEO, Johan Kirstein Brammer:\nTryg delivered the highest ever reported insurance service result supported by\nstrong results in Sweden and Norway, and benign levels of large and weather\nclaims. I am pleased that customer satisfaction continued its positive\nmomentum and reached a record-high level, while sales improved by double-digit\npercentages on a Group level. This reflects our continued focus on having an\nattractive value proposition and delivering strong customer experiences.\n\nIn addition to several initiatives launched to support commercial momentum, we\nhave also proudly announced three significant new motor partnerships with\nMercedes-Benz in Sweden, Tesla in Denmark, and XPENG in Norway. This creates\nfurther opportunities for profitable growth within the motor segment,\nsupporting the ambitions set out in our United Towards 27’ Strategy.\n\nConference call\nTryg hosts a conference call today at 10:00 CET. CEO Johan Kirstein Brammer,\nCFO Allan Kragh Thaysen, CTO Mikael Kärrsten and Head of Financial Reporting,\nSVP Gianandrea Roberti will present the results in brief followed by Q&As.\n\nThe conference call will be held in English. An on-demand version will be\navailable shortly after the conference call has ended.\n\nConference call details:\nDanish participants:        +45 78 76 84 90\nUK participants:        +44 203 769 6819\nUS participants:        +1 646 787 0157\nPIN: 560768\nThe interim report material can be downloaded on www.tryg.com/downloads-2026\nshortly after the time of release.\n\nContact information:\n* Gianandrea Roberti, Head of Financial Reporting, SVP, +45 20 18 82 67,\ngianandrea.roberti@tryg.dk\n* Robin Hjelgaard Løfgren, Head of Investor Relations, +45 41 86 25 88,\nrobin.loefgren@tryg.dk\n* Camilla Lercke Odgaard, Head of Communications, SVP +45 53 39 23 84,\ncamilla.lercke@tryg.dk\nVisit tryg.com\n(https://www.globenewswire.com/Tracker?data=ZixInQ-iH2e2rEVHDoboZ4IoJqK2mI8cfkhPrFZqTl8g6216vAIlP8JCzIYQDQNUWbfCPfPa52k77Fsu4up1hw==)\nfor more information.\n\n \n\nAttachment\n*     Interim report Q1-Q3 2026 -TRYG A_S\n(https://ml-eu.globenewswire.com/Resource/Download/f1d4c12a-c66f-49ba-bed4-9a8f16cc606f)"},"type":"article","timestamp":"2026-10-09T05:30:00.166293511Z","server_sent_at_ms":1791523800166},"received_at":"2026-10-09T05:30:00.218Z","source_url":null},"analysis":{"id":"153427","press_release_id":"165027","analysis_json":{"industry":{"label":"Insurance","sector":"Financials"},"redFlags":["Q3 investment result fell to DKK 42m from DKK 177m amid market volatility","YTD combined ratio of 83.2% (vs 80.0%) elevated by one-off Danish workers' compensation provision"],"eventType":"earnings","narrative":"Tryg reported a record-high Q3 insurance service result of DKK 2,454m, up from DKK 2,181m a year earlier, with the combined ratio improving to 76.8% from 78.6%.\n\nQ3 revenue grew 4.1% in DKK with pre-tax profit of DKK 2,123m and profit after tax of DKK 1,625m; the solvency ratio rose to 203% from 196% in Q2, which the company says supports future shareholder remuneration.\n\nThe ordinary dividend was raised ~5% to DKK 6.45 per share for Q1-Q3; YTD results trail last year only due to a one-off Danish workers' compensation provision booked in Q2.\n\nTryg also announced new motor insurance partnerships with Mercedes-Benz in Sweden, Tesla in Denmark, and XPENG in Norway under its United Towards 27' Strategy.","sentiment":"bullish","agentHooks":{"shouldPost":true,"suggestedAngle":"Record underwriting result and improving combined ratio with a 5% dividend raise -- plus fresh OEM motor partnerships with Mercedes-Benz, Tesla, and XPENG."},"keyFigures":{"eps":0,"guidance":"","revenueYoy":"4.1% in DKK (Q3); 5.0% in DKK Q1-Q3","customDimensions":{"solvency_ratio":"203%","q3_combined_ratio":"76.8%","ytd_combined_ratio":"83.2%","q3_combined_ratio_prior":"78.6%","q3_pre_tax_profit_dkk_m":2123,"ytd_pre_tax_profit_dkk_m":4476,"q3_profit_after_tax_dkk_m":1625,"q3_investment_result_dkk_m":42,"customer_satisfaction_score":83,"ordinary_dividend_dkk_per_share":6.45,"q3_insurance_service_result_dkk_m":2454,"ytd_insurance_service_result_dkk_m":5299,"q3_insurance_service_result_prior_dkk_m":2181}},"quotedText":"Tryg delivered the highest ever reported insurance service result supported by strong results in Sweden and Norway, and benign levels of large and weather claims.","namedEntities":{"people":[{"name":"Johan Kirstein Brammer","role":"Group CEO"},{"name":"Allan Kragh Thaysen","role":"CFO"},{"name":"Mikael Kärrsten","role":"CTO"},{"name":"Gianandrea Roberti","role":"Head of Financial Reporting, SVP"}],"products":[],"companies":[{"name":"Tryg A/S","ticker":"TRYG","relationship":"filer"},{"name":"Mercedes-Benz","relationship":"motor insurance partner (Sweden)"},{"name":"Tesla","relationship":"motor insurance partner (Denmark)"},{"name":"XPENG","relationship":"motor insurance partner (Norway)"}],"dollarAmounts":[{"amount":"DKK 2,454m","context":"Q3 2026 insurance service result"},{"amount":"DKK 2,123m","context":"Q3 2026 profit before tax"},{"amount":"DKK 1,625m","context":"Q3 2026 profit after tax"},{"amount":"DKK 5,299m","context":"Q1-Q3 2026 insurance service result"},{"amount":"DKK 4,476m","context":"Q1-Q3 2026 profit before tax"},{"amount":"DKK 6.45","context":"ordinary dividend per share Q1-Q3 2026"}]},"materialImpact":{"score":4,"reasoning":"Record-high Q3 insurance service result of DKK 2,454m with combined ratio improving to 76.8%, profit growth, and a ~5% dividend increase. YTD figures are lower YoY but only due to a previously booked one-off Danish workers' compensation provision."},"tickerRelevance":{"others":[],"primary":"TRYG"},"globalImportance":45,"audienceRelevance":25,"eventTypeSecondary":["dividend"],"importanceComponents":{"tickerTier":"large-cap Nordic insurer","eventGravity":"quarterly earnings with record underwriting result and dividend increase","sectorWeight":"financials","householdBrandBoost":"regional (Scandinavia) only","retailFavoriteBoost":"low"}},"event_type":"earnings","event_type_secondary":["dividend"],"sentiment":"bullish","material_impact_score":4,"narrative":"Tryg reported a record-high Q3 insurance service result of DKK 2,454m, up from DKK 2,181m a year earlier, with the combined ratio improving to 76.8% from 78.6%.\n\nQ3 revenue grew 4.1% in DKK with pre-tax profit of DKK 2,123m and profit after tax of DKK 1,625m; the solvency ratio rose to 203% from 196% in Q2, which the company says supports future shareholder remuneration.\n\nThe ordinary dividend was raised ~5% to DKK 6.45 per share for Q1-Q3; YTD results trail last year only due to a one-off Danish workers' compensation provision booked in Q2.\n\nTryg also announced new motor insurance partnerships with Mercedes-Benz in Sweden, Tesla in Denmark, and XPENG in Norway under its United Towards 27' Strategy.","key_figures":{"eps":0,"guidance":"","revenueYoy":"4.1% in DKK (Q3); 5.0% in DKK Q1-Q3","customDimensions":{"solvency_ratio":"203%","q3_combined_ratio":"76.8%","ytd_combined_ratio":"83.2%","q3_combined_ratio_prior":"78.6%","q3_pre_tax_profit_dkk_m":2123,"ytd_pre_tax_profit_dkk_m":4476,"q3_profit_after_tax_dkk_m":1625,"q3_investment_result_dkk_m":42,"customer_satisfaction_score":83,"ordinary_dividend_dkk_per_share":6.45,"q3_insurance_service_result_dkk_m":2454,"ytd_insurance_service_result_dkk_m":5299,"q3_insurance_service_result_prior_dkk_m":2181}},"named_entities":{"people":[{"name":"Johan Kirstein Brammer","role":"Group CEO"},{"name":"Allan Kragh Thaysen","role":"CFO"},{"name":"Mikael Kärrsten","role":"CTO"},{"name":"Gianandrea Roberti","role":"Head of Financial Reporting, SVP"}],"products":[],"companies":[{"name":"Tryg A/S","ticker":"TRYG","relationship":"filer"},{"name":"Mercedes-Benz","relationship":"motor insurance partner (Sweden)"},{"name":"Tesla","relationship":"motor insurance partner (Denmark)"},{"name":"XPENG","relationship":"motor insurance partner (Norway)"}],"dollarAmounts":[{"amount":"DKK 2,454m","context":"Q3 2026 insurance service result"},{"amount":"DKK 2,123m","context":"Q3 2026 profit before tax"},{"amount":"DKK 1,625m","context":"Q3 2026 profit after tax"},{"amount":"DKK 5,299m","context":"Q1-Q3 2026 insurance service result"},{"amount":"DKK 4,476m","context":"Q1-Q3 2026 profit before tax"},{"amount":"DKK 6.45","context":"ordinary dividend per share Q1-Q3 2026"}]},"model_name":"glm-5.3-flashx","prompt_hash":"sha256:5c812bd9e28b810d","schema_hash":"sha256:05005c02d9cffac9","created_at":"2026-10-09T05:30:09.069Z","global_importance":45,"audience_relevance":25,"importance_components":{"tickerTier":"large-cap Nordic insurer","eventGravity":"quarterly earnings with record underwriting result and dividend increase","sectorWeight":"financials","householdBrandBoost":"regional (Scandinavia) only","retailFavoriteBoost":"low"}},"durationMs":8840,"modelName":"glm-5.3-flashx"}}