GJENSIDIGE FORSIKRING ASA (GJF.OL) Stock Fundamental Analysis

OSL:GJF • NO0010582521

268.4 NOK
-0.6 (-0.22%)
Last: Feb 27, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership
Fundamental Rating

5

We assign a fundamental rating of 5 out of 10 to GJF. GJF was compared to 46 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.


Dividend Valuation Growth Profitability Health

6

1. Profitability

1.1 Basic Checks

  • In the past year GJF was profitable.
  • In the past year GJF had a positive cash flow from operations.
  • Each year in the past 5 years GJF has been profitable.
  • Each year in the past 5 years GJF had a positive operating cash flow.
GJF.OL Yearly Net Income VS EBIT VS OCF VS FCFGJF.OL Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 2B -2B 4B 6B 8B

1.2 Ratios

  • GJF's Return On Assets of 3.37% is fine compared to the rest of the industry. GJF outperforms 76.09% of its industry peers.
  • With an excellent Return On Equity value of 22.88%, GJF belongs to the best of the industry, outperforming 84.78% of the companies in the same industry.
  • With a decent Return On Invested Capital value of 2.53%, GJF is doing good in the industry, outperforming 67.39% of the companies in the same industry.
  • Measured over the past 3 years, the Average Return On Invested Capital for GJF is in line with the industry average of 3.04%.
  • The last Return On Invested Capital (2.53%) for GJF is above the 3 year average (2.14%), which is a sign of increasing profitability.
Industry RankSector Rank
ROA 3.37%
ROE 22.88%
ROIC 2.53%
ROA(3y)3.07%
ROA(5y)3.48%
ROE(3y)20%
ROE(5y)20.53%
ROIC(3y)2.14%
ROIC(5y)2.63%
GJF.OL Yearly ROA, ROE, ROICGJF.OL Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20 25

1.3 Margins

  • The Profit Margin of GJF (15.08%) is better than 80.43% of its industry peers.
  • GJF's Profit Margin has declined in the last couple of years.
  • GJF's Operating Margin of 14.78% is fine compared to the rest of the industry. GJF outperforms 69.57% of its industry peers.
  • In the last couple of years the Operating Margin of GJF has declined.
Industry RankSector Rank
OM 14.78%
PM (TTM) 15.08%
GM N/A
OM growth 3Y10.98%
OM growth 5Y-4.57%
PM growth 3Y9.95%
PM growth 5Y-2.51%
GM growth 3YN/A
GM growth 5YN/A
GJF.OL Yearly Profit, Operating, Gross MarginsGJF.OL Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20

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ROAROEROICOperating and Profit MarginShow most profitable peers

4

2. Health

2.1 Basic Checks

  • GJF has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
  • Compared to 1 year ago, GJF has about the same amount of shares outstanding.
  • GJF has about the same amout of shares outstanding than it did 5 years ago.
  • GJF has a better debt/assets ratio than last year.
GJF.OL Yearly Shares OutstandingGJF.OL Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M 400M
GJF.OL Yearly Total Debt VS Total AssetsGJF.OL Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50B 100B 150B

2.2 Solvency

  • The Debt to FCF ratio of GJF is 0.84, which is an excellent value as it means it would take GJF, only 0.84 years of fcf income to pay off all of its debts.
  • GJF has a Debt to FCF ratio of 0.84. This is amongst the best in the industry. GJF outperforms 91.30% of its industry peers.
  • A Debt/Equity ratio of 0.19 indicates that GJF is not too dependend on debt financing.
  • GJF's Debt to Equity ratio of 0.19 is amongst the best of the industry. GJF outperforms 93.48% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.19
Debt/FCF 0.84
Altman-Z N/A
ROIC/WACC0.3
WACC8.39%
GJF.OL Yearly LT Debt VS Equity VS FCFGJF.OL Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 10B 20B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
GJF.OL Yearly Current Assets VS Current LiabilitesGJF.OL Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B 2B 2.5B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an impressive 28.27% over the past year.
  • Measured over the past 5 years, GJF shows a small growth in Earnings Per Share. The EPS has been growing by 5.34% on average per year.
  • The Revenue for GJF has decreased by -10.91% in the past year. This is quite bad
  • GJF shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 8.50% yearly.
EPS 1Y (TTM)28.27%
EPS 3Y12.12%
EPS 5Y5.34%
EPS Q2Q%8.4%
Revenue 1Y (TTM)-10.91%
Revenue growth 3Y12.79%
Revenue growth 5Y8.5%
Sales Q2Q%10.96%

3.2 Future

  • Based on estimates for the next years, GJF will show a small growth in Earnings Per Share. The EPS will grow by 5.23% on average per year.
  • Based on estimates for the next years, GJF will show a small growth in Revenue. The Revenue will grow by 4.68% on average per year.
EPS Next Y23.47%
EPS Next 2Y14.39%
EPS Next 3Y10.44%
EPS Next 5Y5.23%
Revenue Next Year8.35%
Revenue Next 2Y6.84%
Revenue Next 3Y5.72%
Revenue Next 5Y4.68%

3.3 Evolution

  • The EPS growth rate is stable: in the next years the growth will be about the same than in the last years.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
GJF.OL Yearly Revenue VS EstimatesGJF.OL Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 10B 20B 30B 40B 50B
GJF.OL Yearly EPS VS EstimatesGJF.OL Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 5 10 15

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Find the best growth stocksShow best growing peers

3

4. Valuation

4.1 Price/Earnings Ratio

  • GJF is valuated rather expensively with a Price/Earnings ratio of 20.90.
  • 78.26% of the companies in the same industry are cheaper than GJF, based on the Price/Earnings ratio.
  • GJF is valuated rather cheaply when we compare the Price/Earnings ratio to 27.07, which is the current average of the S&P500 Index.
  • GJF is valuated correctly with a Price/Forward Earnings ratio of 16.93.
  • 82.61% of the companies in the same industry are cheaper than GJF, based on the Price/Forward Earnings ratio.
  • GJF's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 28.05.
Industry RankSector Rank
PE 20.9
Fwd PE 16.93
GJF.OL Price Earnings VS Forward Price EarningsGJF.OL Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of GJF indicates a slightly more expensive valuation: GJF is more expensive than 71.74% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 21.45
EV/EBITDA N/A
GJF.OL Per share dataGJF.OL EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60 80

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.
PEG (NY)0.89
PEG (5Y)3.92
EPS Next 2Y14.39%
EPS Next 3Y10.44%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. Dividend

5.1 Amount

  • GJF has a Yearly Dividend Yield of 5.39%, which is a nice return.
  • GJF's Dividend Yield is a higher than the industry average which is at 4.03.
  • GJF's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 5.39%

5.2 History

  • The dividend of GJF decreases each year by -3.98%.
Dividend Growth(5Y)-3.98%
Div Incr Years0
Div Non Decr Years0

5.3 Sustainability

  • GJF pays out 77.20% of its income as dividend. This is not a sustainable payout ratio.
DP77.2%
EPS Next 2Y14.39%
EPS Next 3Y10.44%
GJF.OL Yearly Income VS Free CF VS DividendGJF.OL Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 2B -2B 4B 6B
GJF.OL Dividend Payout.GJF.OL Dividend Payout, showing the Payout Ratio.GJF.OL Dividend Payout.PayoutRetained Earnings

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GJENSIDIGE FORSIKRING ASA

OSL:GJF (2/27/2026, 7:00:00 PM)

268.4

-0.6 (-0.22%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)01-29
Earnings (Next)04-29
Inst Owners23.55%
Inst Owner ChangeN/A
Ins Owners0.03%
Ins Owner ChangeN/A
Market Cap134.20B
Revenue(TTM)42.96B
Net Income(TTM)6.48B
Analysts69
Price Target294.01 (9.54%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 5.39%
Yearly Dividend10
Dividend Growth(5Y)-3.98%
DP77.2%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-16.61%
Min EPS beat(2)-18.22%
Max EPS beat(2)-15.01%
EPS beat(4)2
Avg EPS beat(4)1.01%
Min EPS beat(4)-18.22%
Max EPS beat(4)35.93%
EPS beat(8)4
Avg EPS beat(8)-1.53%
EPS beat(12)4
Avg EPS beat(12)-8.84%
EPS beat(16)4
Avg EPS beat(16)-8.82%
Revenue beat(2)2
Avg Revenue beat(2)2.33%
Min Revenue beat(2)1.35%
Max Revenue beat(2)3.32%
Revenue beat(4)3
Avg Revenue beat(4)1.28%
Min Revenue beat(4)-1.04%
Max Revenue beat(4)3.32%
Revenue beat(8)7
Avg Revenue beat(8)5.56%
Revenue beat(12)10
Avg Revenue beat(12)31.02%
Revenue beat(16)11
Avg Revenue beat(16)17.09%
PT rev (1m)-0.1%
PT rev (3m)3.4%
EPS NQ rev (1m)-1.45%
EPS NQ rev (3m)-7.27%
EPS NY rev (1m)0%
EPS NY rev (3m)-1.2%
Revenue NQ rev (1m)-2.37%
Revenue NQ rev (3m)-4.76%
Revenue NY rev (1m)0.65%
Revenue NY rev (3m)0.56%
Valuation
Industry RankSector Rank
PE 20.9
Fwd PE 16.93
P/S 3.12
P/FCF 21.45
P/OCF 20.91
P/B 4.74
P/tB 6.53
EV/EBITDA N/A
EPS(TTM)12.84
EY4.78%
EPS(NY)15.85
Fwd EY5.91%
FCF(TTM)12.51
FCFY4.66%
OCF(TTM)12.84
OCFY4.78%
SpS85.91
BVpS56.61
TBVpS41.1
PEG (NY)0.89
PEG (5Y)3.92
Graham Number127.89
Profitability
Industry RankSector Rank
ROA 3.37%
ROE 22.88%
ROCE 3.34%
ROIC 2.53%
ROICexc 2.59%
ROICexgc 5.51%
OM 14.78%
PM (TTM) 15.08%
GM N/A
FCFM 14.56%
ROA(3y)3.07%
ROA(5y)3.48%
ROE(3y)20%
ROE(5y)20.53%
ROIC(3y)2.14%
ROIC(5y)2.63%
ROICexc(3y)2.19%
ROICexc(5y)2.69%
ROICexgc(3y)4.57%
ROICexgc(5y)5.09%
ROCE(3y)2.83%
ROCE(5y)3.47%
ROICexgc growth 3Y14.99%
ROICexgc growth 5Y-0.5%
ROICexc growth 3Y9.06%
ROICexc growth 5Y-6.19%
OM growth 3Y10.98%
OM growth 5Y-4.57%
PM growth 3Y9.95%
PM growth 5Y-2.51%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.22
Health
Industry RankSector Rank
Debt/Equity 0.19
Debt/FCF 0.84
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales 0.38%
Interest Coverage 250
Cash Conversion N/A
Profit Quality 96.59%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC8.39%
ROIC/WACC0.3
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)1.19%
Cap/Sales(5y)1.41%
Profit Quality(3y)89.47%
Profit Quality(5y)81.75%
High Growth Momentum
Growth
EPS 1Y (TTM)28.27%
EPS 3Y12.12%
EPS 5Y5.34%
EPS Q2Q%8.4%
EPS Next Y23.47%
EPS Next 2Y14.39%
EPS Next 3Y10.44%
EPS Next 5Y5.23%
Revenue 1Y (TTM)-10.91%
Revenue growth 3Y12.79%
Revenue growth 5Y8.5%
Sales Q2Q%10.96%
Revenue Next Year8.35%
Revenue Next 2Y6.84%
Revenue Next 3Y5.72%
Revenue Next 5Y4.68%
EBIT growth 1Y26.38%
EBIT growth 3Y25.18%
EBIT growth 5Y3.54%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y67.55%
FCF growth 3Y54.47%
FCF growth 5Y-1.72%
OCF growth 1Y54.56%
OCF growth 3Y41.57%
OCF growth 5Y-2.63%

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 5 / 10 and the dividend payout ratio is 77.2%.