GJENSIDIGE FORSIKRING ASA (GJF.OL) Stock Fundamental Analysis
Europe - Euronext Oslo - OSL:GJF - NO0010582521 - Common Stock
283.2 NOK
+1.2 (+0.43%)
Overall GJF gets a fundamental rating of 5 out of 10. We evaluated GJF against 47 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.
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.
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
GJF's Return On Assets of 3.40% is fine compared to the rest of the industry. GJF outperforms 77.08% of its industry peers.
Looking at the Return On Equity, with a value of 23.75%, GJF belongs to the top of the industry, outperforming 89.58% of the companies in the same industry.
GJF has a Return On Invested Capital of 2.54%. This is in the better half of the industry: GJF outperforms 72.92% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for GJF is in line with the industry average of 2.11%.
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 83.33% of its industry peers.
In the last couple of years the Profit Margin of GJF has declined.
GJF has a Operating Margin of 15.34%. This is in the better half of the industry: GJF outperforms 64.58% 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.
GJF has about the same amout of shares outstanding than it did 5 years ago.
The debt/assets ratio for GJF is higher compared to a year ago.
2.2 Solvency
The Debt to FCF ratio of GJF is 0.93, which is an excellent value as it means it would take GJF, only 0.93 years of fcf income to pay off all of its debts.
GJF has a Debt to FCF ratio of 0.93. This is amongst the best in the industry. GJF outperforms 93.75% of its industry peers.
A Debt/Equity ratio of 0.20 indicates that GJF is not too dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.20, GJF belongs to the top of the industry, outperforming 93.75% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.2 | ||
| Debt/FCF | 0.93 | ||
| Altman-Z | N/A |
ROIC/WACC0.3
WACC8.41%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 28.85% over the past year.
GJF shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 0.18% yearly.
Looking at the last year, GJF shows a very negative growth in Revenue. The Revenue has decreased by -15.07% in the last year.
GJF shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 6.30% yearly.
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
The Earnings Per Share is expected to grow by 12.32% on average over the next years. This is quite good.
Based on estimates for the next years, GJF will show a small growth in Revenue. The Revenue will grow by 7.11% on average per year.
EPS Next Y44.03%
EPS Next 2Y26.61%
EPS Next 3Y19.11%
EPS Next 5Y12.32%
Revenue Next Year8.32%
Revenue Next 2Y8.26%
Revenue Next 3Y7.3%
Revenue Next 5Y7.11%
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
With a Price/Earnings ratio of 22.41, GJF is valued on the expensive side.
85.42% of the companies in the same industry are cheaper than GJF, based on the Price/Earnings ratio.
GJF is valuated at similar levels of the S&P average when we compare the Price/Earnings ratio to 26.31, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 17.65, which indicates a rather expensive current valuation of GJF.
GJF's Price/Forward Earnings ratio is rather expensive when compared to the industry. GJF is more expensive than 87.50% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 36.59, GJF is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 22.41 | ||
| Fwd PE | 17.65 |
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 72.92% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 24.65 | ||
| EV/EBITDA | N/A |
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 19.11% in the coming years.
PEG (NY)0.51
PEG (5Y)123.92
EPS Next 2Y26.61%
EPS Next 3Y19.11%
5. Dividend
5.1 Amount
GJF has a Yearly Dividend Yield of 3.19%.
Compared to an average industry Dividend Yield of 4.44, GJF is paying slightly less dividend.
GJF's Dividend Yield is a higher than the S&P500 average which is at 2.34.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.19% |
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 2Y26.61%
EPS Next 3Y19.11%
OSL:GJF (11/28/2025, 7:00:00 PM)
283.2
+1.2 (+0.43%)
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 Cap141.60B
Revenue(TTM)41.05B
Net Income(TTM)6.39B
Analysts53.33
Price Target284.34 (0.4%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.19% |
Yearly Dividend8.75
Dividend Growth(5Y)4.27%
DP78.27%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)10.46%
Min EPS beat(2)-15.01%
Max EPS beat(2)35.93%
EPS beat(4)3
Avg EPS beat(4)6.38%
Min EPS beat(4)-15.01%
Max EPS beat(4)35.93%
EPS beat(8)4
Avg EPS beat(8)-2.8%
EPS beat(12)4
Avg EPS beat(12)-8.26%
EPS beat(16)5
Avg EPS beat(16)-4.49%
Revenue beat(2)2
Avg Revenue beat(2)2.4%
Min Revenue beat(2)1.48%
Max Revenue beat(2)3.32%
Revenue beat(4)3
Avg Revenue beat(4)0.99%
Min Revenue beat(4)-1.04%
Max Revenue beat(4)3.32%
Revenue beat(8)7
Avg Revenue beat(8)8.21%
Revenue beat(12)10
Avg Revenue beat(12)31.84%
Revenue beat(16)11
Avg Revenue beat(16)18.12%
PT rev (1m)6.73%
PT rev (3m)9%
EPS NQ rev (1m)-0.25%
EPS NQ rev (3m)-5.88%
EPS NY rev (1m)-2.1%
EPS NY rev (3m)2.14%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.08%
Revenue NY rev (1m)0.3%
Revenue NY rev (3m)1.3%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 22.41 | ||
| Fwd PE | 17.65 | ||
| P/S | 3.45 | ||
| P/FCF | 24.65 | ||
| P/OCF | 23.02 | ||
| P/B | 5.27 | ||
| P/tB | 7.51 | ||
| EV/EBITDA | N/A |
EPS(TTM)12.64
EY4.46%
EPS(NY)16.05
Fwd EY5.67%
FCF(TTM)11.49
FCFY4.06%
OCF(TTM)12.3
OCFY4.34%
SpS82.1
BVpS53.78
TBVpS37.71
PEG (NY)0.51
PEG (5Y)123.92
Graham Number123.68
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.4% | ||
| ROE | 23.75% | ||
| ROCE | 3.38% | ||
| ROIC | 2.54% | ||
| ROICexc | 2.61% | ||
| ROICexgc | 5.57% | ||
| OM | 15.34% | ||
| PM (TTM) | 15.56% | ||
| GM | N/A | ||
| FCFM | 13.99% |
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%
ROICexgc growth 3Y-16.12%
ROICexgc 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-Score5
Asset Turnover0.22
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.2 | ||
| Debt/FCF | 0.93 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | 0.99% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | N/A | ||
| Profit Quality | 89.93% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score5
WACC8.41%
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)28.85%
EPS 3Y-11.17%
EPS 5Y0.18%
EPS Q2Q%-5.72%
EPS Next Y44.03%
EPS Next 2Y26.61%
EPS Next 3Y19.11%
EPS Next 5Y12.32%
Revenue 1Y (TTM)-15.07%
Revenue growth 3Y5.89%
Revenue growth 5Y6.3%
Sales Q2Q%13.73%
Revenue Next Year8.32%
Revenue Next 2Y8.26%
Revenue Next 3Y7.3%
Revenue Next 5Y7.11%
EBIT growth 1Y31.33%
EBIT growth 3Y-14.76%
EBIT growth 5Y-5.98%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-8.62%
FCF growth 3Y-16.85%
FCF growth 5YN/A
OCF growth 1Y-13.31%
OCF growth 3Y-16.08%
OCF growth 5YN/A
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 of GJENSIDIGE FORSIKRING ASA (GJF.OL) 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 are the PE and PB ratios of GJENSIDIGE FORSIKRING ASA (GJF.OL) stock?
The Price/Earnings (PE) ratio for GJENSIDIGE FORSIKRING ASA (GJF.OL) is 22.41 and the Price/Book (PB) ratio is 5.27.
Can you provide the financial health for GJF stock?
The financial health rating of GJENSIDIGE FORSIKRING ASA (GJF.OL) is 4 / 10.