GJENSIDIGE FORSIKRING ASA (GJF.OL) Stock Fundamental Analysis
Europe • Euronext Oslo • OSL:GJF • NO0010582521
273.8 NOK
+0.6 (+0.22%)
Last: Jan 30, 2026, 04:26 PM
GJF gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 48 industry peers in the Insurance industry. Both the profitability and the financial health of GJF get a neutral evaluation. Nothing too spectacular is happening here. GJF is valied quite expensively at the moment, while it does show a decent growth rate.
1. Profitability
1.1 Basic Checks
- GJF had positive earnings in the past year.
- In the past year GJF had a positive cash flow from operations.
- GJF had positive earnings in each of the past 5 years.
- 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 3.40%, GJF is in the better half of the industry, outperforming 75.00% of the companies in the same industry.
- With an excellent Return On Equity value of 23.75%, GJF belongs to the best of the industry, outperforming 89.58% of the companies in the same industry.
- With a decent Return On Invested Capital value of 2.54%, GJF is doing good in the industry, outperforming 68.75% 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 2.74%.
- 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 | 3.4% | ||
| ROE | 23.75% | ||
| 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 15.56%. This is amongst the best in the industry. GJF outperforms 87.50% of its industry peers.
- GJF's Profit Margin has declined in the last couple of years.
- GJF has a Operating Margin of 15.34%. This is in the better half of the industry: GJF outperforms 68.75% of its industry peers.
- In the last couple of years the Operating Margin of GJF has declined.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 15.34% | ||
| PM (TTM) | 15.56% | ||
| 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
- The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so GJF is destroying value.
- GJF has about the same amout of shares outstanding than it did 1 year ago.
- The number of shares outstanding for GJF remains at a similar level compared to 5 years ago.
- The debt/assets ratio for GJF is higher compared to a year ago.
2.2 Solvency
- GJF has a debt to FCF ratio of 0.93. This is a very positive value and a sign of high solvency as it would only need 0.93 years to pay back of all of its debts.
- GJF's Debt to FCF ratio of 0.93 is amongst the best of the industry. GJF outperforms 91.67% of its industry peers.
- A Debt/Equity ratio of 0.20 indicates that GJF is not too dependend on debt financing.
- GJF has a Debt to Equity ratio of 0.20. This is amongst the best in the industry. GJF outperforms 93.75% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.2 | ||
| Debt/FCF | 0.93 | ||
| Altman-Z | N/A |
ROIC/WACC0.3
WACC8.4%
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 28.85%, which is quite impressive.
- The Earnings Per Share has been growing slightly by 0.18% on average over the past years.
- GJF shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -15.07%.
- The Revenue has been growing slightly by 6.30% on average over the past years.
EPS 1Y (TTM)28.85%
EPS 3Y-11.17%
EPS 5Y0.18%
EPS Q2Q%-5.72%
Revenue 1Y (TTM)-15.07%
Revenue growth 3Y5.89%
Revenue growth 5Y6.3%
Sales Q2Q%13.73%
3.2 Future
- GJF is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 12.32% yearly.
- The Revenue is expected to grow by 5.52% on average over the next years.
EPS Next Y37.76%
EPS Next 2Y25.85%
EPS Next 3Y18.84%
EPS Next 5Y12.32%
Revenue Next Year8.7%
Revenue Next 2Y8.21%
Revenue Next 3Y7.22%
Revenue Next 5Y5.52%
3.3 Evolution
- The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
- The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- A Price/Earnings ratio of 21.66 indicates a rather expensive valuation of GJF.
- GJF's Price/Earnings ratio is rather expensive when compared to the industry. GJF is more expensive than 83.33% of the companies in the same industry.
- GJF's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 28.39.
- With a Price/Forward Earnings ratio of 17.27, GJF is valued on the expensive side.
- 87.50% of the companies in the same industry are cheaper than GJF, based on the Price/Forward Earnings ratio.
- GJF is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 25.72, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 21.66 | ||
| Fwd PE | 17.27 |
4.2 Price Multiples
- GJF's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. GJF is more expensive than 75.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 23.83 | ||
| 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.
- GJF's earnings are expected to grow with 18.84% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.57
PEG (5Y)119.81
EPS Next 2Y25.85%
EPS Next 3Y18.84%
5. Dividend
5.1 Amount
- GJF has a Yearly Dividend Yield of 3.25%.
- Compared to an average industry Dividend Yield of 4.17, GJF is paying slightly less dividend.
- GJF's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.25% |
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
- 78.27% of the earnings are spent on dividend by GJF. This is not a sustainable payout ratio.
- The dividend of GJF is growing, but earnings are growing more, so the dividend growth is sustainable.
DP78.27%
EPS Next 2Y25.85%
EPS Next 3Y18.84%
GJENSIDIGE FORSIKRING ASA / GJF.OL FAQ
What is the fundamental rating for GJF stock?
ChartMill assigns a fundamental rating of 5 / 10 to GJF.OL.
What is the valuation status for GJF stock?
ChartMill assigns a valuation rating of 3 / 10 to GJENSIDIGE FORSIKRING ASA (GJF.OL). This can be considered as Overvalued.
How profitable is GJENSIDIGE FORSIKRING ASA (GJF.OL) stock?
GJENSIDIGE FORSIKRING ASA (GJF.OL) has a profitability rating of 6 / 10.
What is the financial health of GJENSIDIGE FORSIKRING ASA (GJF.OL) stock?
The financial health rating of GJENSIDIGE FORSIKRING ASA (GJF.OL) is 4 / 10.
Can you provide the dividend sustainability for GJF stock?
The dividend rating of GJENSIDIGE FORSIKRING ASA (GJF.OL) is 4 / 10 and the dividend payout ratio is 78.27%.