GJENSIDIGE FORSIKRING ASA (GJF.OL) Stock Fundamental Analysis
Europe - Euronext Oslo - OSL:GJF - NO0010582521 - Common Stock
281.6 NOK
+0.4 (+0.14%)
Taking everything into account, GJF scores 5 out of 10 in our fundamental rating. GJF was compared to 46 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
- GJF had positive earnings in the past year.
- GJF had a positive operating cash flow in the past year.
- 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
- The Return On Assets of GJF (3.40%) is better than 76.09% of its industry peers.
- The Return On Equity of GJF (23.75%) is better than 89.13% of its industry peers.
- GJF has a Return On Invested Capital of 2.54%. This is in the better half of the industry: GJF outperforms 71.74% of its industry peers.
- GJF had an Average Return On Invested Capital over the past 3 years of 1.93%. This is in line with the industry average of 2.71%.
- 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
- Looking at the Profit Margin, with a value of 15.56%, GJF belongs to the top of the industry, outperforming 86.96% of the companies in the same industry.
- In the last couple of years the Profit Margin of GJF has declined.
- The Operating Margin of GJF (15.34%) is better than 69.57% of its industry peers.
- GJF's Operating Margin has declined in the last couple of years.
| 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
- GJF has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
- GJF has about the same amout of shares outstanding than it did 1 year ago.
- Compared to 5 years ago, GJF has about the same amount of shares outstanding.
- GJF has a worse debt/assets ratio than last year.
2.2 Solvency
- GJF has a debt to FCF ratio of 0.93. This is a very positive value and a sign of high solvency as it would only need 0.93 years to pay back of all of its debts.
- GJF's Debt to FCF ratio of 0.93 is amongst the best of the industry. GJF outperforms 91.30% of its industry peers.
- A Debt/Equity ratio of 0.20 indicates that GJF is not too dependend on debt financing.
- GJF has a better Debt to Equity ratio (0.20) than 93.48% of its industry peers.
| 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.
- The Earnings Per Share has been growing slightly by 0.18% on average over the past years.
- The Revenue for GJF has decreased by -15.07% in the past year. This is quite bad
- Measured over the past years, GJF shows a small growth in Revenue. The Revenue has been growing by 6.30% on average per year.
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
- 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.
- The Revenue is expected to grow by 5.52% on average over the next years.
EPS Next Y39.11%
EPS Next 2Y26.26%
EPS Next 3Y19.12%
EPS Next 5Y12.32%
Revenue Next Year8.7%
Revenue Next 2Y8.21%
Revenue Next 3Y7.22%
Revenue Next 5Y5.52%
3.3 Evolution
- When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
- 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
- The Price/Earnings ratio is 22.28, which indicates a rather expensive current valuation of GJF.
- Based on the Price/Earnings ratio, GJF is valued more expensive than 84.78% of the companies in the same industry.
- When comparing the Price/Earnings ratio of GJF to the average of the S&P500 Index (27.54), we can say GJF is valued inline with the index average.
- GJF is valuated rather expensively with a Price/Forward Earnings ratio of 17.65.
- Based on the Price/Forward Earnings ratio, GJF is valued expensively inside the industry as 84.78% of the companies are valued cheaper.
- The average S&P500 Price/Forward Earnings ratio is at 24.31. GJF is valued slightly cheaper when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 22.28 | ||
| Fwd PE | 17.65 |
4.2 Price Multiples
- GJF's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. GJF is more expensive than 73.91% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 24.51 | ||
| 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 19.12% in the coming years.
PEG (NY)0.57
PEG (5Y)123.22
EPS Next 2Y26.26%
EPS Next 3Y19.12%
5. Dividend
5.1 Amount
- GJF has a Yearly Dividend Yield of 3.08%.
- GJF's Dividend Yield is slightly below the industry average, which is at 3.93.
- GJF's Dividend Yield is rather good when compared to the S&P500 average which is at 1.92.
| 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
- 78.27% of the earnings are spent on dividend by GJF. This is not a sustainable payout ratio.
- GJF's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP78.27%
EPS Next 2Y26.26%
EPS Next 3Y19.12%
OSL:GJF (1/16/2026, 11:43:06 AM)
281.6
+0.4 (+0.14%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)10-24 2025-10-24/bmo
Earnings (Next)01-29 2026-01-29/amc
Inst Owners23.55%
Inst Owner ChangeN/A
Ins Owners0.03%
Ins Owner ChangeN/A
Market Cap140.80B
Revenue(TTM)41.05B
Net Income(TTM)6.39B
Analysts53.33
Price Target291.23 (3.42%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.08% |
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)1.23%
PT rev (3m)9.31%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-4.57%
EPS NY rev (1m)-2.02%
EPS NY rev (3m)-5.45%
Revenue NQ rev (1m)-0.24%
Revenue NQ rev (3m)0.01%
Revenue NY rev (1m)0.08%
Revenue NY rev (3m)0.65%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 22.28 | ||
| Fwd PE | 17.65 | ||
| P/S | 3.43 | ||
| P/FCF | 24.51 | ||
| P/OCF | 22.89 | ||
| P/B | 5.24 | ||
| P/tB | 7.47 | ||
| EV/EBITDA | N/A |
EPS(TTM)12.64
EY4.49%
EPS(NY)15.96
Fwd EY5.67%
FCF(TTM)11.49
FCFY4.08%
OCF(TTM)12.3
OCFY4.37%
SpS82.1
BVpS53.78
TBVpS37.71
PEG (NY)0.57
PEG (5Y)123.22
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 Y39.11%
EPS Next 2Y26.26%
EPS Next 3Y19.12%
EPS Next 5Y12.32%
Revenue 1Y (TTM)-15.07%
Revenue growth 3Y5.89%
Revenue growth 5Y6.3%
Sales Q2Q%13.73%
Revenue Next Year8.7%
Revenue Next 2Y8.21%
Revenue Next 3Y7.22%
Revenue Next 5Y5.52%
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 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 4 / 10 and the dividend payout ratio is 78.27%.