GJENSIDIGE FORSIKRING ASA (GJF.OL) Fundamental Analysis & Valuation

OSL:GJF • NO0010582521

Current stock price

254.4 NOK
+2.4 (+0.95%)
Last:

This GJF.OL fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

6

1. GJF.OL Profitability Analysis

1.1 Basic Checks

  • GJF had positive earnings in the past year.
  • GJF had a positive operating cash flow in the past year.
  • In the past 5 years GJF has always been profitable.
  • GJF had a positive operating cash flow in each of the past 5 years.
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

  • Looking at the Return On Assets, with a value of 3.51%, GJF is in the better half of the industry, outperforming 78.57% of the companies in the same industry.
  • With a decent Return On Equity value of 23.81%, GJF is doing good in the industry, outperforming 76.19% of the companies in the same industry.
  • GJF has a better Return On Invested Capital (2.53%) than 64.29% of its industry peers.
  • The Average Return On Invested Capital over the past 3 years for GJF is in line with the industry average of 3.02%.
  • The 3 year average ROIC (2.14%) for GJF is below the current ROIC(2.53%), indicating increased profibility in the last year.
Industry RankSector Rank
ROA 3.51%
ROE 23.81%
ROIC 2.53%
ROA(3y)3.07%
ROA(5y)3.48%
ROE(3y)19.99%
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

  • GJF has a better Profit Margin (15.69%) than 85.71% of its industry peers.
  • GJF's Profit Margin has declined in the last couple of years.
  • GJF has a better Operating Margin (14.78%) than 69.05% of its industry peers.
  • GJF's Operating Margin has declined in the last couple of years.
Industry RankSector Rank
OM 14.78%
PM (TTM) 15.69%
GM N/A
OM growth 3Y10.97%
OM growth 5Y-4.57%
PM growth 3Y9.94%
PM growth 5Y-2.52%
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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4

2. GJF.OL Health Analysis

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.
  • 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.
  • With an excellent Debt to FCF ratio value of 0.84, GJF belongs to the best of the industry, outperforming 92.86% of the companies in the same industry.
  • GJF has a Debt/Equity ratio of 0.19. This is a healthy value indicating a solid balance between debt and equity.
  • GJF has a better Debt to Equity ratio (0.19) than 92.86% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.19
Debt/FCF 0.84
Altman-Z N/A
ROIC/WACC0.3
WACC8.38%
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. GJF.OL Growth Analysis

3.1 Past

  • GJF shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 28.27%, which is quite impressive.
  • The Earnings Per Share has been growing slightly by 5.34% on average over the past years.
  • The Revenue for GJF has decreased by -10.91% in the past year. This is quite bad
  • Measured over the past years, GJF shows a quite strong growth in Revenue. The Revenue has been growing by 8.50% on average per year.
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 4.35% on average per year.
EPS Next Y23.65%
EPS Next 2Y15.47%
EPS Next 3Y11.38%
EPS Next 5Y5.23%
Revenue Next Year8.79%
Revenue Next 2Y7.08%
Revenue Next 3Y5.72%
Revenue Next 5Y4.35%

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.
  • 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.
GJF.OL Yearly Revenue VS EstimatesGJF.OL Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2017 2019 2021 2023 2025 2027 2029 2031 2033 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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3

4. GJF.OL Valuation Analysis

4.1 Price/Earnings Ratio

  • GJF is valuated rather expensively with a Price/Earnings ratio of 19.81.
  • GJF's Price/Earnings ratio is a bit more expensive when compared to the industry. GJF is more expensive than 76.19% of the companies in the same industry.
  • GJF is valuated rather cheaply when we compare the Price/Earnings ratio to 26.17, which is the current average of the S&P500 Index.
  • Based on the Price/Forward Earnings ratio of 16.02, the valuation of GJF can be described as correct.
  • Based on the Price/Forward Earnings ratio, GJF is valued a bit more expensive than the industry average as 76.19% of the companies are valued more cheaply.
  • GJF is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 23.05, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 19.81
Fwd PE 16.02
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

  • Based on the Price/Free Cash Flow ratio, GJF is valued a bit more expensive than the industry average as 66.67% of the companies are valued more cheaply.
Industry RankSector Rank
P/FCF 20.25
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)0.84
PEG (5Y)3.71
EPS Next 2Y15.47%
EPS Next 3Y11.38%

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

5

5. GJF.OL Dividend Analysis

5.1 Amount

  • GJF has a Yearly Dividend Yield of 6.00%, which is a nice return.
  • Compared to an average industry Dividend Yield of 4.54, GJF pays a bit more dividend than its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.89, GJF pays a better dividend.
Industry RankSector Rank
Dividend Yield 6%

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

  • 74.17% of the earnings are spent on dividend by GJF. This is not a sustainable payout ratio.
DP74.17%
EPS Next 2Y15.47%
EPS Next 3Y11.38%
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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GJF.OL Fundamentals: All Metrics, Ratios and Statistics

GJENSIDIGE FORSIKRING ASA

OSL:GJF (4/1/2026, 7:00:00 PM)

254.4

+2.4 (+0.95%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)01-29
Earnings (Next)04-29
Inst Owners23.64%
Inst Owner ChangeN/A
Ins Owners0.03%
Ins Owner ChangeN/A
Market Cap127.20B
Revenue(TTM)42.96B
Net Income(TTM)6.74B
Analysts70
Price Target294.01 (15.57%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 6%
Yearly Dividend10
Dividend Growth(5Y)-3.98%
DP74.17%
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%
PT rev (3m)0.95%
EPS NQ rev (1m)1.15%
EPS NQ rev (3m)-3.72%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.51%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-2.17%
Revenue NY rev (1m)0.4%
Revenue NY rev (3m)1.05%
Valuation
Industry RankSector Rank
PE 19.81
Fwd PE 16.02
P/S 2.96
P/FCF 20.25
P/OCF 19.74
P/B 4.49
P/tB 6.19
EV/EBITDA N/A
EPS(TTM)12.84
EY5.05%
EPS(NY)15.88
Fwd EY6.24%
FCF(TTM)12.56
FCFY4.94%
OCF(TTM)12.89
OCFY5.07%
SpS85.91
BVpS56.61
TBVpS41.1
PEG (NY)0.84
PEG (5Y)3.71
Graham Number127.89
Profitability
Industry RankSector Rank
ROA 3.51%
ROE 23.81%
ROCE 3.34%
ROIC 2.53%
ROICexc 2.59%
ROICexgc 5.51%
OM 14.78%
PM (TTM) 15.69%
GM N/A
FCFM 14.62%
ROA(3y)3.07%
ROA(5y)3.48%
ROE(3y)19.99%
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 3Y14.98%
ROICexgc growth 5Y-0.51%
ROICexc growth 3Y9.05%
ROICexc growth 5Y-6.2%
OM growth 3Y10.97%
OM growth 5Y-4.57%
PM growth 3Y9.94%
PM growth 5Y-2.52%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
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 93.18%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC8.38%
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)89.61%
Profit Quality(5y)81.83%
High Growth Momentum
Growth
EPS 1Y (TTM)28.27%
EPS 3Y12.12%
EPS 5Y5.34%
EPS Q2Q%8.4%
EPS Next Y23.65%
EPS Next 2Y15.47%
EPS Next 3Y11.38%
EPS Next 5Y5.23%
Revenue 1Y (TTM)-10.91%
Revenue growth 3Y12.79%
Revenue growth 5Y8.5%
Sales Q2Q%10.96%
Revenue Next Year8.79%
Revenue Next 2Y7.08%
Revenue Next 3Y5.72%
Revenue Next 5Y4.35%
EBIT growth 1Y26.38%
EBIT growth 3Y25.17%
EBIT growth 5Y3.54%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y68.23%
FCF growth 3Y54.68%
FCF growth 5Y-1.64%
OCF growth 1Y55.16%
OCF growth 3Y41.76%
OCF growth 5Y-2.55%

GJENSIDIGE FORSIKRING ASA / GJF.OL Fundamental Analysis FAQ

What is the fundamental rating for GJF stock?

ChartMill assigns a fundamental rating of 5 / 10 to GJF.OL.


Can you provide the valuation status for GJENSIDIGE FORSIKRING ASA?

ChartMill assigns a valuation rating of 3 / 10 to GJENSIDIGE FORSIKRING ASA (GJF.OL). This can be considered as Overvalued.


Can you provide the profitability details for GJENSIDIGE FORSIKRING ASA?

GJENSIDIGE FORSIKRING ASA (GJF.OL) has a profitability rating of 6 / 10.


How financially healthy is GJENSIDIGE FORSIKRING ASA?

The financial health rating of GJENSIDIGE FORSIKRING ASA (GJF.OL) is 4 / 10.


Is the dividend of GJENSIDIGE FORSIKRING ASA sustainable?

The dividend rating of GJENSIDIGE FORSIKRING ASA (GJF.OL) is 5 / 10 and the dividend payout ratio is 74.17%.