GJENSIDIGE FORSIKRING ASA (GJF.OL) Stock Fundamental Analysis
Europe - OSL:GJF - NO0010582521 - Common Stock
286 NOK
+2.8 (+0.99%)
We assign a fundamental rating of 4 out of 10 to GJF. GJF was compared to 43 industry peers in the Insurance industry. GJF has an average financial health and profitability rating. GJF is quite expensive at the moment. It does show a decent growth rate.
1. Profitability
1.1 Basic Checks
In the past year GJF was profitable.
GJF had a positive operating cash flow in the past year.
Each year in the past 5 years GJF has been profitable.
In the past 5 years GJF always reported a positive cash flow from operatings.
1.2 Ratios
Looking at the Return On Assets, with a value of 3.58%, GJF belongs to the top of the industry, outperforming 88.37% of the companies in the same industry.
The Return On Equity of GJF (26.53%) is better than 97.67% of its industry peers.
Looking at the Return On Invested Capital, with a value of 2.54%, GJF is in the better half of the industry, outperforming 79.07% of the companies in the same industry.
The Average Return On Invested Capital over the past 3 years for GJF is in line with the industry average of 2.26%.
The 3 year average ROIC (1.93%) for GJF is below the current ROIC(2.54%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.58% | ||
| ROE | 26.53% | ||
| ROIC | 2.54% |
ROA(3y)2.82%
ROA(5y)3.63%
ROE(3y)17.06%
ROE(5y)19.82%
ROIC(3y)1.93%
ROIC(5y)2.79%
1.3 Margins
GJF has a Profit Margin of 16.23%. This is amongst the best in the industry. GJF outperforms 93.02% of its industry peers.
In the last couple of years the Profit Margin of GJF has declined.
The Operating Margin of GJF (15.26%) is better than 74.42% of its industry peers.
In the last couple of years the Operating Margin of GJF has declined.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 15.26% | ||
| PM (TTM) | 16.23% | ||
| GM | N/A |
OM growth 3Y-19.51%
OM growth 5Y-11.55%
PM growth 3Y-15.37%
PM growth 5Y-10.5%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), GJF is destroying value.
The number of shares outstanding for GJF remains at a similar level compared to 1 year ago.
GJF has about the same amout of shares outstanding than it did 5 years ago.
Compared to 1 year ago, GJF has a worse debt to assets ratio.
2.2 Solvency
The Debt to FCF ratio of GJF is 0.85, which is an excellent value as it means it would take GJF, only 0.85 years of fcf income to pay off all of its debts.
GJF has a Debt to FCF ratio of 0.85. This is amongst the best in the industry. GJF outperforms 93.02% of its industry peers.
A Debt/Equity ratio of 0.22 indicates that GJF is not too dependend on debt financing.
GJF has a better Debt to Equity ratio (0.22) than 93.02% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.22 | ||
| Debt/FCF | 0.85 | ||
| Altman-Z | N/A |
ROIC/WACC0.3
WACC8.36%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
GJF shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 58.00%, which is quite impressive.
GJF shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 0.18% yearly.
Looking at the last year, GJF shows a very negative growth in Revenue. The Revenue has decreased by -15.03% in the last year.
GJF shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 6.30% yearly.
EPS 1Y (TTM)58%
EPS 3Y-11.17%
EPS 5Y0.18%
EPS Q2Q%66.54%
Revenue 1Y (TTM)-15.03%
Revenue growth 3Y5.89%
Revenue growth 5Y6.3%
Sales Q2Q%7.08%
3.2 Future
The Earnings Per Share is expected to grow by 9.78% on average over the next years. This is quite good.
GJF is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.07% yearly.
EPS Next Y41.01%
EPS Next 2Y23.81%
EPS Next 3Y17.72%
EPS Next 5Y9.78%
Revenue Next Year7.29%
Revenue Next 2Y7.25%
Revenue Next 3Y6.46%
Revenue Next 5Y4.07%
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 22.29, GJF is valued on the expensive side.
GJF's Price/Earnings ratio is rather expensive when compared to the industry. GJF is more expensive than 81.40% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 27.27, GJF is valued at the same level.
The Price/Forward Earnings ratio is 18.64, which indicates a rather expensive current valuation of GJF.
Based on the Price/Forward Earnings ratio, GJF is valued more expensive than 88.37% of the companies in the same industry.
GJF is valuated at similar levels of the S&P average when we compare the Price/Forward Earnings ratio to 22.77, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 22.29 | ||
| Fwd PE | 18.64 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, GJF is valued a bit more expensive than 72.09% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 22.72 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
The decent profitability rating of GJF may justify a higher PE ratio.
A more expensive valuation may be justified as GJF's earnings are expected to grow with 17.72% in the coming years.
PEG (NY)0.54
PEG (5Y)123.3
EPS Next 2Y23.81%
EPS Next 3Y17.72%
5. Dividend
5.1 Amount
GJF has a Yearly Dividend Yield of 3.18%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 4.56, GJF is paying slightly less dividend.
GJF's Dividend Yield is a higher than the S&P500 average which is at 2.38.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.18% |
5.2 History
The dividend of GJF has a limited annual growth rate of 4.27%.
Dividend Growth(5Y)4.27%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
76.23% of the earnings are spent on dividend by GJF. This is not a sustainable payout ratio.
GJF's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP76.23%
EPS Next 2Y23.81%
EPS Next 3Y17.72%
OSL:GJF (9/15/2025, 4:19:44 PM)
286
+2.8 (+0.99%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners23.53%
Inst Owner ChangeN/A
Ins Owners0.03%
Ins Owner ChangeN/A
Market Cap143.00B
Analysts53.33
Price Target264.45 (-7.53%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.18% |
Yearly Dividend8.75
Dividend Growth(5Y)4.27%
DP76.23%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)18.64%
Min EPS beat(2)1.35%
Max EPS beat(2)35.93%
EPS beat(4)4
Avg EPS beat(4)11.25%
Min EPS beat(4)1.35%
Max EPS beat(4)35.93%
EPS beat(8)4
Avg EPS beat(8)-4.37%
EPS beat(12)4
Avg EPS beat(12)-7.93%
EPS beat(16)6
Avg EPS beat(16)-3.29%
Revenue beat(2)1
Avg Revenue beat(2)0.22%
Min Revenue beat(2)-1.04%
Max Revenue beat(2)1.48%
Revenue beat(4)3
Avg Revenue beat(4)4.65%
Min Revenue beat(4)-1.04%
Max Revenue beat(4)17.93%
Revenue beat(8)7
Avg Revenue beat(8)12%
Revenue beat(12)9
Avg Revenue beat(12)30.14%
Revenue beat(16)11
Avg Revenue beat(16)18.35%
PT rev (1m)1.78%
PT rev (3m)11.94%
EPS NQ rev (1m)-0.22%
EPS NQ rev (3m)13.02%
EPS NY rev (1m)10.6%
EPS NY rev (3m)10.6%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)2.96%
Revenue NY rev (1m)0.37%
Revenue NY rev (3m)0.46%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 22.29 | ||
| Fwd PE | 18.64 | ||
| P/S | 3.54 | ||
| P/FCF | 22.72 | ||
| P/OCF | 21.67 | ||
| P/B | 5.79 | ||
| P/tB | 8.82 | ||
| EV/EBITDA | N/A |
EPS(TTM)12.83
EY4.49%
EPS(NY)15.34
Fwd EY5.37%
FCF(TTM)12.59
FCFY4.4%
OCF(TTM)13.2
OCFY4.61%
SpS80.8
BVpS49.44
TBVpS32.43
PEG (NY)0.54
PEG (5Y)123.3
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.58% | ||
| ROE | 26.53% | ||
| ROCE | 3.38% | ||
| ROIC | 2.54% | ||
| ROICexc | 2.6% | ||
| ROICexgc | 5.44% | ||
| OM | 15.26% | ||
| PM (TTM) | 16.23% | ||
| GM | N/A | ||
| FCFM | 15.58% |
ROA(3y)2.82%
ROA(5y)3.63%
ROE(3y)17.06%
ROE(5y)19.82%
ROIC(3y)1.93%
ROIC(5y)2.79%
ROICexc(3y)1.98%
ROICexc(5y)2.86%
ROICexgc(3y)3.91%
ROICexgc(5y)5.08%
ROCE(3y)2.58%
ROCE(5y)3.72%
ROICexcg growth 3Y-16.12%
ROICexcg growth 5Y-7.71%
ROICexc growth 3Y-22.37%
ROICexc growth 5Y-13.66%
OM growth 3Y-19.51%
OM growth 5Y-11.55%
PM growth 3Y-15.37%
PM growth 5Y-10.5%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.22
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.22 | ||
| Debt/FCF | 0.85 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | 0.75% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | N/A | ||
| Profit Quality | 95.99% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score7
WACC8.36%
ROIC/WACC0.3
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)1.69%
Cap/Sales(5y)1.7%
Profit Quality(3y)74.13%
Profit Quality(5y)90.21%
High Growth Momentum
Growth
EPS 1Y (TTM)58%
EPS 3Y-11.17%
EPS 5Y0.18%
EPS Q2Q%66.54%
EPS Next Y41.01%
EPS Next 2Y23.81%
EPS Next 3Y17.72%
EPS Next 5Y9.78%
Revenue 1Y (TTM)-15.03%
Revenue growth 3Y5.89%
Revenue growth 5Y6.3%
Sales Q2Q%7.08%
Revenue Next Year7.29%
Revenue Next 2Y7.25%
Revenue Next 3Y6.46%
Revenue Next 5Y4.07%
EBIT growth 1Y70.23%
EBIT growth 3Y-14.76%
EBIT growth 5Y-5.98%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y11.51%
FCF growth 3Y-16.85%
FCF growth 5YN/A
OCF growth 1Y4.56%
OCF growth 3Y-16.08%
OCF growth 5YN/A