GJENSIDIGE FORSIKRING ASA (GJF.OL) Stock Fundamental Analysis

OSL:GJF • NO0010582521

265.6 NOK
-1 (-0.38%)
Last: Feb 19, 2026, 04:19 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership
Fundamental Rating

5

Taking everything into account, GJF scores 5 out of 10 in our fundamental rating. GJF was compared to 48 industry peers in the Insurance industry. GJF has an average financial health and profitability rating. 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

  • GJF had positive earnings in the past year.
  • 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.
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 has a better Return On Assets (3.37%) than 75.00% of its industry peers.
  • GJF has a better Return On Equity (22.88%) than 81.25% of its industry peers.
  • Looking at the Return On Invested Capital, with a value of 2.53%, GJF is in the better half of the industry, outperforming 66.67% 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 3.29%.
  • 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 3.37%
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

  • GJF has a Profit Margin of 15.08%. This is amongst the best in the industry. GJF outperforms 85.42% of its industry peers.
  • In the last couple of years the Profit Margin of GJF has declined.
  • The Operating Margin of GJF (14.78%) is better than 68.75% of its industry peers.
  • GJF's Operating Margin has declined in the last couple of years.
Industry RankSector Rank
OM 14.78%
PM (TTM) 15.08%
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

  • 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.
  • Compared to 1 year ago, GJF has an improved debt to assets ratio.
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

  • GJF has a debt to FCF ratio of 0.84. This is a very positive value and a sign of high solvency as it would only need 0.84 years to pay back of all of its debts.
  • GJF has a better Debt to FCF ratio (0.84) than 93.75% of its industry peers.
  • GJF has a Debt/Equity ratio of 0.19. This is a healthy value indicating a solid balance between debt and equity.
  • With an excellent Debt to Equity ratio value of 0.19, GJF belongs to the best of the industry, outperforming 93.75% of the companies in the same industry.
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

5

3. Growth

3.1 Past

  • GJF shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 23.43%, which is quite impressive.
  • Measured over the past 5 years, GJF shows a small growth in Earnings Per Share. The EPS has been growing by 0.18% on average per year.
  • The Revenue for GJF has decreased by -10.91% in the past year. This is quite bad
  • The Revenue has been growing slightly by 6.30% on average over the past years.
EPS 1Y (TTM)23.43%
EPS 3Y-11.17%
EPS 5Y0.18%
EPS Q2Q%6.93%
Revenue 1Y (TTM)-10.91%
Revenue growth 3Y5.89%
Revenue growth 5Y6.3%
Sales Q2Q%18.68%

3.2 Future

  • The Earnings Per Share is expected to grow by 12.32% on average over the next years. This is quite good.
  • The Revenue is expected to grow by 5.49% 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 5Y5.49%

3.3 Evolution

  • The EPS growth rate is accelerating: in the next years the growth will be better 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 stable.
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 quite expensively with a Price/Earnings ratio of 26.53.
  • Based on the Price/Earnings ratio, GJF is valued expensively inside the industry as 81.25% of the companies are valued cheaper.
  • The average S&P500 Price/Earnings ratio is at 27.27. GJF is around the same levels.
  • With a Price/Forward Earnings ratio of 16.75, GJF is valued correctly.
  • Based on the Price/Forward Earnings ratio, GJF is valued expensively inside the industry as 85.42% of the companies are valued cheaper.
  • The average S&P500 Price/Forward Earnings ratio is at 28.16. GJF is valued slightly cheaper when compared to this.
Industry RankSector Rank
PE 26.53
Fwd PE 16.75
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 70.83% of the companies in the same industry.
Industry RankSector Rank
P/FCF 21.23
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

  • GJF's 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 18.84% in the coming years.
PEG (NY)0.7
PEG (5Y)146.76
EPS Next 2Y25.85%
EPS Next 3Y18.84%

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

5

5. Dividend

5.1 Amount

  • GJF has a Yearly Dividend Yield of 5.37%, which is a nice return.
  • GJF's Dividend Yield is a higher than the industry average which is at 4.16.
  • GJF's Dividend Yield is rather good when compared to the S&P500 average which is at 1.85.
Industry RankSector Rank
Dividend Yield 5.37%

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

  • 77.20% of the earnings are spent on dividend by GJF. This is not a sustainable payout ratio.
DP77.2%
EPS Next 2Y25.85%
EPS Next 3Y18.84%
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 (2/19/2026, 4:19:34 PM)

265.6

-1 (-0.38%)

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 Cap132.80B
Revenue(TTM)42.96B
Net Income(TTM)6.48B
Analysts69
Price Target294.48 (10.87%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 5.37%
Yearly Dividend10
Dividend Growth(5Y)-3.98%
DP77.2%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)2
Avg Revenue beat(2)5.86%
Min Revenue beat(2)3.32%
Max Revenue beat(2)8.4%
Revenue beat(4)3
Avg Revenue beat(4)3.04%
Min Revenue beat(4)-1.04%
Max Revenue beat(4)8.4%
Revenue beat(8)7
Avg Revenue beat(8)6.44%
Revenue beat(12)10
Avg Revenue beat(12)31.61%
Revenue beat(16)11
Avg Revenue beat(16)17.53%
PT rev (1m)1.12%
PT rev (3m)4.5%
EPS NQ rev (1m)-7.44%
EPS NQ rev (3m)-9.83%
EPS NY rev (1m)-0.65%
EPS NY rev (3m)-1.2%
Revenue NQ rev (1m)-2.17%
Revenue NQ rev (3m)-4.76%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.09%
Valuation
Industry RankSector Rank
PE 26.53
Fwd PE 16.75
P/S 3.09
P/FCF 21.23
P/OCF 20.69
P/B 4.69
P/tB 6.46
EV/EBITDA N/A
EPS(TTM)10.01
EY3.77%
EPS(NY)15.85
Fwd EY5.97%
FCF(TTM)12.51
FCFY4.71%
OCF(TTM)12.84
OCFY4.83%
SpS85.91
BVpS56.61
TBVpS41.1
PEG (NY)0.7
PEG (5Y)146.76
Graham Number112.92
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
WACC8.38%
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)89.47%
Profit Quality(5y)81.75%
High Growth Momentum
Growth
EPS 1Y (TTM)23.43%
EPS 3Y-11.17%
EPS 5Y0.18%
EPS Q2Q%6.93%
EPS Next Y37.76%
EPS Next 2Y25.85%
EPS Next 3Y18.84%
EPS Next 5Y12.32%
Revenue 1Y (TTM)-10.91%
Revenue growth 3Y5.89%
Revenue growth 5Y6.3%
Sales Q2Q%18.68%
Revenue Next Year8.7%
Revenue Next 2Y8.21%
Revenue Next 3Y7.22%
Revenue Next 5Y5.49%
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%.