GJENSIDIGE FORSIKRING ASA (GJF.OL) Stock Fundamental Analysis
Europe - OSL:GJF - NO0010582521 - Common Stock
285 NOK
-2 (-0.7%)
Overall GJF gets a fundamental rating of 5 out of 10. We evaluated GJF against 40 industry peers in the Insurance industry. GJF has an average financial health and profitability rating. While showing a medium growth rate, GJF is valued expensive at the moment.
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
GJF has a better Return On Assets (3.58%) than 87.50% of its industry peers.
The Return On Equity of GJF (26.53%) is better than 97.50% of its industry peers.
With a decent Return On Invested Capital value of 2.54%, GJF is doing good in the industry, outperforming 80.00% 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 2.23%.
The last Return On Invested Capital (2.54%) for GJF is above the 3 year average (1.93%), which is a sign of increasing profitability.
| 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 92.50% of its industry peers.
GJF's Profit Margin has declined in the last couple of years.
Looking at the Operating Margin, with a value of 15.26%, GJF is in the better half of the industry, outperforming 72.50% of the companies in the same industry.
GJF's Operating Margin has declined in the last couple of years.
| 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
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.
The number of shares outstanding for GJF remains at a similar level compared to 5 years ago.
GJF has a worse debt/assets ratio than last year.
2.2 Solvency
GJF has a debt to FCF ratio of 0.85. This is a very positive value and a sign of high solvency as it would only need 0.85 years to pay back of all of its debts.
GJF has a Debt to FCF ratio of 0.85. This is amongst the best in the industry. GJF outperforms 95.00% of its industry peers.
A Debt/Equity ratio of 0.22 indicates that GJF is not too dependend on debt financing.
GJF's Debt to Equity ratio of 0.22 is amongst the best of the industry. GJF outperforms 92.50% 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.
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 -15.03%.
The Revenue has been growing slightly by 6.30% on average over the past years.
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
Based on estimates for the next years, GJF will show a quite strong growth in Earnings Per Share. The EPS will grow by 12.32% on average per year.
Based on estimates for the next years, GJF will show a small growth in Revenue. The Revenue will grow by 5.48% on average per year.
EPS Next Y47.13%
EPS Next 2Y25.42%
EPS Next 3Y18.41%
EPS Next 5Y12.32%
Revenue Next Year8%
Revenue Next 2Y8.08%
Revenue Next 3Y7.35%
Revenue Next 5Y5.48%
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.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 22.21 indicates a rather expensive valuation of GJF.
GJF's Price/Earnings ratio is a bit more expensive when compared to the industry. GJF is more expensive than 77.50% of the companies in the same industry.
GJF's Price/Earnings ratio indicates a similar valuation than the S&P500 average which is at 27.55.
Based on the Price/Forward Earnings ratio of 18.10, the valuation of GJF can be described as rather expensive.
Based on the Price/Forward Earnings ratio, GJF is valued more expensive than 85.00% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 23.04. GJF is valued slightly cheaper when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 22.21 | ||
| Fwd PE | 18.1 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, GJF is valued a bit more expensive than 70.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 22.64 | ||
| 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.
GJF has a very decent profitability rating, which may justify a higher PE ratio.
A more expensive valuation may be justified as GJF's earnings are expected to grow with 18.41% in the coming years.
PEG (NY)0.47
PEG (5Y)122.86
EPS Next 2Y25.42%
EPS Next 3Y18.41%
5. Dividend
5.1 Amount
GJF has a Yearly Dividend Yield of 3.08%.
Compared to an average industry Dividend Yield of 4.48, GJF is paying slightly less dividend.
GJF's Dividend Yield is a higher than the S&P500 average which is at 2.43.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.08% |
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.
The dividend of GJF is growing, but earnings are growing more, so the dividend growth is sustainable.
DP76.23%
EPS Next 2Y25.42%
EPS Next 3Y18.41%
OSL:GJF (10/15/2025, 7:00:00 PM)
285
-2 (-0.7%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners24.73%
Inst Owner ChangeN/A
Ins Owners0.03%
Ins Owner ChangeN/A
Market Cap142.50B
Analysts53.33
Price Target266.42 (-6.52%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.08% |
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)2.54%
PT rev (3m)12.69%
EPS NQ rev (1m)0%
EPS NQ rev (3m)5.53%
EPS NY rev (1m)4.34%
EPS NY rev (3m)15.4%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.27%
Revenue NY rev (1m)0.66%
Revenue NY rev (3m)1.12%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 22.21 | ||
| Fwd PE | 18.1 | ||
| P/S | 3.53 | ||
| P/FCF | 22.64 | ||
| P/OCF | 21.6 | ||
| P/B | 5.77 | ||
| P/tB | 8.79 | ||
| EV/EBITDA | N/A |
EPS(TTM)12.83
EY4.5%
EPS(NY)15.75
Fwd EY5.52%
FCF(TTM)12.59
FCFY4.42%
OCF(TTM)13.2
OCFY4.63%
SpS80.8
BVpS49.44
TBVpS32.43
PEG (NY)0.47
PEG (5Y)122.86
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 Y47.13%
EPS Next 2Y25.42%
EPS Next 3Y18.41%
EPS Next 5Y12.32%
Revenue 1Y (TTM)-15.03%
Revenue growth 3Y5.89%
Revenue growth 5Y6.3%
Sales Q2Q%7.08%
Revenue Next Year8%
Revenue Next 2Y8.08%
Revenue Next 3Y7.35%
Revenue Next 5Y5.48%
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