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

OSL:GJF • NO0010582521

Current stock price

256 NOK
+1.6 (+0.63%)
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

  • In the past year GJF was profitable.
  • GJF had a positive operating cash flow in the past year.
  • GJF had positive earnings in each of the past 5 years.
  • Each year in the past 5 years GJF had a positive operating cash flow.
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 Return On Assets of 3.51%. This is in the better half of the industry: GJF outperforms 78.57% of its industry peers.
  • 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 Return On Invested Capital of 2.53%. This is in the better half of the industry: GJF outperforms 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

  • The Profit Margin of GJF (15.69%) is better than 85.71% of its industry peers.
  • GJF's Profit Margin has declined in the last couple of years.
  • GJF has a Operating Margin of 14.78%. This is in the better half of the industry: GJF outperforms 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

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

4

2. GJF.OL Health Analysis

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.
  • The debt/assets ratio for GJF has been reduced compared to a year ago.
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 Debt to FCF ratio of 0.84. This is amongst the best in the industry. GJF outperforms 92.86% 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.
  • The Debt to Equity ratio of GJF (0.19) is better 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

More info and screens

WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. GJF.OL Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 28.27% over the past year.
  • Measured over the past 5 years, GJF shows a small growth in Earnings Per Share. The EPS has been growing by 5.34% on average per year.
  • GJF shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -10.91%.
  • GJF shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 8.50% yearly.
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

  • The Earnings Per Share is expected to grow by 5.23% on average over the next years.
  • GJF is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.35% yearly.
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

More info and screens

Find the best growth stocksShow best growing peers

3

4. GJF.OL Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 19.94, GJF is valued on the expensive side.
  • Based on the Price/Earnings ratio, GJF is valued a bit more expensive than the industry average as 76.19% of the companies are valued more cheaply.
  • GJF's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 26.21.
  • GJF is valuated correctly with a Price/Forward Earnings ratio of 16.12.
  • 76.19% of the companies in the same industry are cheaper than GJF, based on the Price/Forward Earnings ratio.
  • The average S&P500 Price/Forward Earnings ratio is at 23.13. GJF is valued slightly cheaper when compared to this.
Industry RankSector Rank
PE 19.94
Fwd PE 16.12
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

  • 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 66.67% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 20.38
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)3.73
EPS Next 2Y15.47%
EPS Next 3Y11.38%

More info and screens

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.
  • GJF's Dividend Yield is a higher than the industry average which is at 4.54.
  • GJF's Dividend Yield is rather good when compared to the S&P500 average which is at 1.89.
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

  • GJF pays out 74.17% of its income as dividend. 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

More info and screens

Find the best dividend stocksShow peers with best dividend

GJF.OL Fundamentals: All Metrics, Ratios and Statistics

GJENSIDIGE FORSIKRING ASA

OSL:GJF (4/7/2026, 4:26:15 PM)

256

+1.6 (+0.63%)

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 Cap128.00B
Revenue(TTM)42.96B
Net Income(TTM)6.74B
Analysts70
Price Target294.01 (14.85%)
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 19.94
Fwd PE 16.12
P/S 2.98
P/FCF 20.38
P/OCF 19.86
P/B 4.52
P/tB 6.23
EV/EBITDA N/A
EPS(TTM)12.84
EY5.02%
EPS(NY)15.88
Fwd EY6.2%
FCF(TTM)12.56
FCFY4.91%
OCF(TTM)12.89
OCFY5.03%
SpS85.91
BVpS56.61
TBVpS41.1
PEG (NY)0.84
PEG (5Y)3.73
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%.