Topdanmark A/S (TPDKY)
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Topdanmark A/S (TPDKY) trades at $5.36. Topdanmark A/S is a Danish insurance company offering a range of life and non-life insurance products. The company operates through Private, SME, and Life segments, serving individuals and businesses in Denmark. Market cap: $4.96B, Sector: Financial services.
Price live · AI analysis from Mar 17, 2026Analyst Coverage for TPDKY: TPDKY does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates TPDKY against Financial Services peers across nine fundamental dimensions and assigns an underweight signal based on the underlying data.
TPDKY: 1/1 perspectives are bearish.
How is this calculated? →Topdanmark A/S (TPDKY) Financial Services Profile
Topdanmark A/S, a Danish insurer with a history dating back to 1728, provides diverse insurance products and services across private, SME, and life segments. Operating primarily in Denmark, Topdanmark competes with other European insurers while focusing on customer-centric solutions and leveraging its established brand.
What Is the Investment Thesis for TPDKY?
Topdanmark A/S presents a stable investment opportunity within the Danish insurance market. With a market capitalization of $4.96B and a P/E ratio of 30.66, the company demonstrates financial stability. A profit margin of 10.1% and a gross margin of 102.7% indicate efficient operations. The company's low beta of 0.10 suggests low volatility relative to the market. Growth catalysts include expansion of digital insurance offerings and strategic partnerships. Potential risks include increased competition and regulatory changes in the Danish insurance sector. Investors should monitor the company's ability to maintain profitability and adapt to evolving market dynamics.
Based on FMP financials and quantitative analysis
TPDKY Key Highlights
- Market capitalization of $4.96B indicates substantial company size and investor confidence.
- P/E ratio of 30.66 reflects investor expectations for future earnings growth.
- Profit margin of 10.1% demonstrates the company's ability to generate profit from its revenue.
- Gross margin of 102.7% indicates efficient cost management in providing insurance products.
- Beta of 0.10 suggests low volatility compared to the overall market, making it a potentially stable investment.
Who Are TPDKY's Competitors?
TPDKY is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| CTIHY China Taiping Insurance Holdings Company Limited | $68.96 | +0.00% | $9.91B | 62 |
| DIISF Direct Line Insurance Group plc | $3.48 | -16.55% | $4.53B | 58 |
| DIISY Direct Line Insurance Group plc | $18.00 | +15.16% | $5.85B | 66 |
| FBKIF First International Bank of Israel Ltd | $50.00 | +0.00% | $5.01B | 62 |
| FDIAY UnipolSai Assicurazioni S.p.A. | $9.02 | +0.00% | $6.38B | 58 |
| AEGOF Aegon N.V. | $8.39 | +0.00% | $12.62B | 66 |
| TLLXY Talanx AG | $60.33 | +0.00% | $31.16B | 64 |
| XZO Exzeo Group, Inc. | $18.71 | +0.11% | $1.70B | 64 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are TPDKY's Key Strengths?
- Established brand and long history in the Danish market.
- Diversified product portfolio across life and non-life insurance.
- Strong distribution network through multiple brands.
- Efficient operations reflected in gross margin.
What Are TPDKY's Weaknesses?
- Concentrated geographic focus on the Danish market.
- Reliance on traditional insurance products and services.
- Potential vulnerability to increased competition from digital insurers.
- Sensitivity to regulatory changes in the insurance sector.
What Could Drive TPDKY Stock Higher?
- Expansion of digital insurance offerings to attract new customers and improve customer experience.
- Strategic partnerships to expand reach and offer complementary services.
- Development of sustainable insurance products to address environmental concerns and attract socially responsible investors.
What Are the Key Risks for TPDKY?
- Increased competition from both domestic and international insurers, potentially impacting market share and profitability.
- Regulatory changes impacting insurance pricing and product offerings, which could affect revenue and earnings.
- Economic downturn affecting demand for insurance products, leading to lower premium revenue.
- Currency risk associated with the Danish Krone (DKK) exchange rate, affecting the value of the ADR for U.S. investors.
- Cybersecurity risks and data breaches, potentially leading to financial losses and reputational damage.
What Are the Growth Opportunities for TPDKY?
- Expansion of Digital Insurance Offerings: Topdanmark can capitalize on the increasing demand for digital insurance solutions by enhancing its online platforms and mobile applications. This includes offering personalized insurance products, streamlining the claims process, and providing real-time customer support. The digital insurance market is projected to grow significantly, offering Topdanmark the opportunity to increase its market share and attract new customers. Timeline: Ongoing.
- Strategic Partnerships: Collaborating with other companies, such as technology providers or financial institutions, can enable Topdanmark to expand its reach and offer complementary services. For example, partnering with a fintech company could facilitate the development of innovative insurance products or improve customer engagement. Strategic alliances can provide access to new markets and distribution channels. Timeline: Ongoing.
- Focus on Sustainable Insurance Products: As environmental and social concerns grow, Topdanmark can develop and promote sustainable insurance products that address these issues. This includes offering insurance for renewable energy projects, promoting eco-friendly practices among customers, and investing in sustainable assets. The market for sustainable insurance is expanding, driven by increasing awareness and regulatory support. Timeline: Ongoing.
- Enhancing Customer Experience: Improving the overall customer experience can lead to increased customer loyalty and positive word-of-mouth referrals. This includes simplifying the insurance application process, providing personalized advice, and resolving claims quickly and efficiently. Investing in customer service training and technology can enhance customer satisfaction and retention. Timeline: Ongoing.
- Geographic Expansion within Scandinavia: While primarily focused on Denmark, Topdanmark can explore opportunities to expand its operations into other Scandinavian countries. This could involve establishing partnerships with local insurers or acquiring existing businesses. Geographic expansion can diversify the company's revenue streams and reduce its reliance on the Danish market. Timeline: 3-5 years.
What Opportunities Does TPDKY Have?
- Expansion of digital insurance offerings to attract new customers.
- Strategic partnerships to expand reach and offer complementary services.
- Development of sustainable insurance products to address environmental concerns.
- Geographic expansion into other Scandinavian countries.
What Threats Does TPDKY Face?
- Increased competition from both domestic and international insurers.
- Regulatory changes impacting insurance pricing and product offerings.
- Economic downturn affecting demand for insurance products.
- Cybersecurity risks and data breaches.
What Are TPDKY's Competitive Advantages?
- Established brand reputation in the Danish insurance market.
- Long operating history dating back to 1728, providing trust and stability.
- Diversified product portfolio across life and non-life insurance.
- Strong distribution network through Topdanmark and Coop Forsikringer brands.
What Does TPDKY Do?
Topdanmark A/S, established in 1728 and headquartered in Ballerup, Denmark, is a leading provider of insurance products and services. The company operates through three key segments: Private, SME (Small and Medium-sized Enterprises), and Life. Topdanmark offers a comprehensive suite of non-life insurance products, including illness and accident, health, workers' compensation, motor, fire and property, and liability coverage. Additionally, it provides tourist assistance and other specialized insurance solutions. The company also offers life insurance and pension fund schemes tailored to individual households, agricultural businesses, and SMEs. Topdanmark distributes its products under the Topdanmark and Coop Forsikringer brands, catering to a broad customer base across Denmark. Beyond insurance, the company provides asset management, IT, administration, and property services, enhancing its value proposition. Topdanmark's long history and established market presence have solidified its position as a trusted insurance provider in the Danish market. The company continues to evolve by adapting to changing customer needs and leveraging technological advancements to improve its services and operational efficiency.
What Products and Services Does TPDKY Offer?
- Offers a range of non-life insurance products including illness and accident, health, and workers' compensation.
- Provides motor, fire and property, and liability insurance coverage.
- Offers tourist assistance and other specialized insurance products.
- Provides life insurance and pension fund schemes to individuals, agricultural businesses, and SMEs.
- Operates through three segments: Private, SME, and Life.
- Provides asset management services.
- Offers IT and administration services.
- Provides property services.
How Does TPDKY Make Money?
- Generates revenue through premiums collected from insurance policies.
- Manages risk by diversifying its insurance portfolio across various segments.
- Invests premiums to generate investment income.
- Provides asset management services for additional revenue.
What Industry Does TPDKY Operate In?
Topdanmark A/S operates within the diversified insurance industry, characterized by intense competition and evolving regulatory landscapes. The Danish insurance market is mature, with steady growth driven by increasing awareness of insurance products and services. Key trends include the adoption of digital technologies, personalized insurance offerings, and a focus on sustainability. Topdanmark competes with both domestic and international players, including CTIHY (Chubb Limited), DIISF (Sampo Oyj), DIISY (Tryg A/S), FBKIF (Storebrand ASA), and FDIAY (Ageas SA/NV). The company's success depends on its ability to differentiate itself through superior customer service, innovative products, and efficient operations.
Who Are TPDKY's Key Customers?
- Individual households seeking personal insurance coverage.
- Agricultural businesses requiring specialized insurance solutions.
- Small and Medium-sized Enterprises (SMEs) needing business insurance.
- Private customers seeking life insurance and pension fund schemes.
Company Profile
Topdanmark A/S operates in the Insurance - Diversified industry within the Financial Services sector. It is headquartered in Ballerup, DK. The company is led by CEO Peter Hermann. TPDKY has traded publicly since 2015.
How Topdanmark A/S Is Valued
Topdanmark A/S carries a market capitalization of $4.96B, placing it in the mid-cap category.
ROE 19%Key Financial Metrics
Return on equity for Topdanmark A/S stands at 19.0%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 4.8%, showing how much profit it generates from its asset base. TPDKY trades at a trailing price-to-earnings ratio of 30.66, above the Financial Services sector average of ~18x. Its free cash flow yield is 2.1%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.03 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 3.3%, the inverse of the P/E and a quick read on earnings relative to price.
F-Score 8/9Financial Health
Topdanmark A/S's Piotroski F-Score is 8/9, a 9-point checklist of profitability, leverage and efficiency — signaling solid underlying fundamentals. Its Altman Z-Score of 1.92 places it in the grey zone, a middle ground that warrants monitoring.
TPDKY Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis
Bull Case vs Bear Case
Bull Case
- Established brand and long history in the Danish market.
- Diversified product portfolio across life and non-life insurance.
- Strong distribution network through multiple brands.
- Efficient operations reflected in gross margin.
Bear Case
- Concentrated geographic focus on the Danish market.
- Reliance on traditional insurance products and services.
- Potential vulnerability to increased competition from digital insurers.
- Sensitivity to regulatory changes in the insurance sector.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · July 2026
TPDKY Latest News
No recent news available for TPDKY.
TPDKY Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for TPDKY.
Price Targets
Wall Street price target analysis for TPDKY.
TPDKY MoonshotScore
What does this score mean?
The MoonshotScore rates TPDKY's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Leadership: Peter Hermann
CEO
Peter Hermann serves as the CEO of Topdanmark A/S, leading a workforce of approximately 2,100 employees. His career spans various leadership roles within the financial services industry, demonstrating expertise in insurance operations and strategic management. He has a proven track record of driving growth and innovation in the insurance sector. Hermann's leadership is characterized by a focus on customer-centric solutions and operational efficiency, positioning Topdanmark for continued success in the competitive insurance market.
Track Record: Under Peter Hermann's leadership, Topdanmark has focused on enhancing its digital capabilities and expanding its product offerings. Key achievements include the implementation of new technologies to improve customer service and streamline operations. He has also overseen strategic initiatives to strengthen the company's market position and drive sustainable growth. His tenure has been marked by a commitment to innovation and customer satisfaction.
Topdanmark A/S ADR Information Unsponsored
An American Depositary Receipt (ADR) is a certificate representing shares of a foreign company that trades on U.S. stock exchanges. TPDKY is an ADR representing shares of Topdanmark A/S. This allows U.S. investors to invest in Topdanmark without directly dealing with foreign exchanges. The ADR is denominated in U.S. dollars, simplifying trading and reporting for U.S. investors.
- Home Market Ticker: Nasdaq Copenhagen (TPDK), Denmark
- ADR Level: 1
- ADR Ratio: 1:1
- Home Market Ticker: TPDK
TPDKY OTC Market Information
The OTC Other tier represents the lowest tier of the over-the-counter (OTC) market. Companies trading on this tier typically have limited reporting requirements and may not meet the listing standards of major exchanges like the NYSE or NASDAQ. This tier is often associated with higher risk due to the lack of regulatory oversight and transparency compared to listed companies. Investors should exercise caution and conduct thorough due diligence before investing in companies on the OTC Other tier.
- OTC Tier: OTC Other
- Disclosure Status: Unknown
- Limited regulatory oversight and transparency on the OTC Other tier.
- Potential for lower trading volume and wider bid-ask spreads.
- Increased risk of fraud or manipulation due to less stringent listing requirements.
- Limited availability of financial information and company disclosures.
- Higher volatility compared to stocks listed on major exchanges.
- Verify the company's registration and legal status in Denmark.
- Review the company's financial statements and assess its financial performance.
- Research the company's management team and their track record.
- Evaluate the company's business model and competitive position in the Danish insurance market.
- Assess the risks associated with investing in a company on the OTC Other tier.
- Consult with a financial advisor to determine if TPDKY is a suitable investment for your portfolio.
- Monitor trading activity and be aware of potential liquidity issues.
- Established operating history dating back to 1728.
- Presence in the Danish insurance market with a recognized brand.
- Availability of company information from reputable sources.
- Membership in industry associations or regulatory bodies.
- Positive reviews or ratings from customers or industry analysts.
Common Questions About TPDKY (Financial Services)
What does Topdanmark A/S do?
Topdanmark A/S is a Danish insurance company that provides a wide array of insurance products and services. These include non-life insurance such as illness and accident, health, workers' compensation, motor, fire and property, and liability coverage. The company also offers life insurance and pension fund schemes. Topdanmark operates through three segments: Private, SME, and Life, serving individual households, agricultural businesses, and SMEs primarily within Denmark. They also provide asset management, IT, administration, and property services.
What do analysts say about TPDKY stock?
Analyst coverage of TPDKY is limited due to its OTC listing and Danish domicile. However, the company's financial performance, including a market cap of $4.96B and a profit margin of 10.1%, suggests a stable business. Investors may want to evaluate the company's growth opportunities in digital insurance and sustainable products, as well as the risks associated with competition and regulatory changes. Further independent research is recommended due to the limited analyst coverage.
What are the main risks for TPDKY?
The main risks for TPDKY include increased competition in the Danish insurance market, which could pressure pricing and market share. Regulatory changes in Denmark could also impact the company's profitability and product offerings. Economic downturns could reduce demand for insurance products, affecting premium revenue. As an ADR, TPDKY is also subject to currency risk, as fluctuations in the DKK/USD exchange rate can impact the value of the investment for U.S. investors. Cybersecurity risks also pose a threat.
How is Topdanmark A/S adapting to fintech disruption?
Topdanmark A/S is actively adapting to fintech disruption by expanding its digital insurance offerings. This includes enhancing its online platforms and mobile applications to provide personalized insurance products, streamline the claims process, and offer real-time customer support. The company is also exploring partnerships with fintech companies to develop innovative insurance solutions and improve customer engagement. These initiatives aim to enhance customer experience and maintain competitiveness in the evolving insurance landscape.
What is Topdanmark A/S's credit quality and risk management approach?
Topdanmark A/S's credit quality and risk management approach are crucial for maintaining financial stability and meeting its obligations to policyholders. The company employs a comprehensive risk management framework that includes assessing and mitigating various risks, such as underwriting risk, investment risk, and operational risk. Topdanmark's financial strength is reflected in its gross margin of 102.7%, indicating efficient cost management. Further information on the company's specific credit ratings and risk management policies may be available in its annual reports and regulatory filings.
What are the key factors to evaluate for TPDKY?
Evaluate TPDKY on fundamentals, analyst consensus, and risk factors. Not financial advice.
How frequently does TPDKY data refresh on this page?
TPDKY prices update in real time during U.S. market hours. Fundamentals refresh after quarterly filings; analyst ratings and AI insights update daily; news is aggregated continuously.
What has driven TPDKY's recent stock price performance?
Topdanmark A/S (TPDKY) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Established brand and long history in the Danish market. See the News tab for the latest drivers. Past performance does not predict future results.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Limited analyst coverage for TPDKY may impact the availability of detailed financial analysis.
- OTC market trading carries additional risks compared to major exchanges.