GJENSIDIGE FORSIKRING ASA (GJF.OL) Stock Fundamental Analysis
Europe - Euronext Oslo - OSL:GJF - NO0010582521 - Common Stock
278.4 NOK
-0.2 (-0.07%)
GJF gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 48 industry peers in the Insurance industry. Both the profitability and the financial health of GJF get a neutral evaluation. Nothing too spectacular is happening here. 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.
- In the past year GJF had a positive cash flow from operations.
- Each year in the past 5 years GJF has been profitable.
- GJF had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
- GJF has a better Return On Assets (3.40%) than 79.17% of its industry peers.
- The Return On Equity of GJF (23.75%) is better than 89.58% of its industry peers.
- The Return On Invested Capital of GJF (2.54%) is better than 70.83% 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 2.70%.
- 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 85.42% of its industry peers.
- GJF's Profit Margin has declined in the last couple of years.
- GJF has a Operating Margin of 15.34%. This is in the better half of the industry: GJF outperforms 70.83% 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
- 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.
- GJF has about the same amout of shares outstanding than it did 5 years ago.
- Compared to 1 year ago, GJF has a worse debt to assets ratio.
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.
- The Debt to FCF ratio of GJF (0.93) is better than 95.83% of its industry peers.
- GJF has a Debt/Equity ratio of 0.20. This is a healthy value indicating a solid balance between debt and equity.
- GJF has a better Debt to Equity ratio (0.20) than 93.75% 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.
- GJF shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -15.07%.
- 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
- 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 5.52% on average per year.
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
- 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
- The Price/Earnings ratio is 22.03, which indicates a rather expensive current valuation of GJF.
- Compared to the rest of the industry, the Price/Earnings ratio of GJF indicates a rather expensive valuation: GJF more expensive than 85.42% of the companies listed in the same industry.
- Compared to an average S&P500 Price/Earnings ratio of 27.38, GJF is valued at the same level.
- Based on the Price/Forward Earnings ratio of 17.45, the valuation of GJF can be described as rather expensive.
- GJF's Price/Forward Earnings ratio is rather expensive when compared to the industry. GJF is more expensive than 81.25% of the companies in the same industry.
- When comparing the Price/Forward Earnings ratio of GJF to the average of the S&P500 Index (24.29), we can say GJF is valued slightly cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 22.03 | ||
| Fwd PE | 17.45 |
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 75.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 24.23 | ||
| 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)0.56
PEG (5Y)121.82
EPS Next 2Y26.26%
EPS Next 3Y19.12%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 3.20%, GJF has a reasonable but not impressive dividend return.
- Compared to an average industry Dividend Yield of 4.19, GJF is paying slightly less dividend.
- GJF's Dividend Yield is rather good when compared to the S&P500 average which is at 1.84.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.2% |
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 (1/20/2026, 3:41:11 PM)
278.4
-0.2 (-0.07%)
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 Cap139.20B
Revenue(TTM)41.05B
Net Income(TTM)6.39B
Analysts53.33
Price Target294.29 (5.71%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.2% |
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)2.29%
PT rev (3m)10.46%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-4.63%
EPS NY rev (1m)-2.02%
EPS NY rev (3m)-5.45%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.08%
Revenue NY rev (1m)0.08%
Revenue NY rev (3m)0.65%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 22.03 | ||
| Fwd PE | 17.45 | ||
| P/S | 3.39 | ||
| P/FCF | 24.23 | ||
| P/OCF | 22.63 | ||
| P/B | 5.18 | ||
| P/tB | 7.38 | ||
| EV/EBITDA | N/A |
EPS(TTM)12.64
EY4.54%
EPS(NY)15.96
Fwd EY5.73%
FCF(TTM)11.49
FCFY4.13%
OCF(TTM)12.3
OCFY4.42%
SpS82.1
BVpS53.78
TBVpS37.71
PEG (NY)0.56
PEG (5Y)121.82
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%.