GJENSIDIGE FORSIKRING ASA (GJF.OL) Stock Fundamental Analysis
Europe - Euronext Oslo - OSL:GJF - NO0010582521 - Common Stock
283.2 NOK
+1.2 (+0.43%)
GJF gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 47 industry peers in the Insurance industry. GJF has only an average score on both its financial health and profitability. GJF is quite expensive at the moment. It does show a decent growth rate.
1. Profitability
1.1 Basic Checks
GJF had positive earnings in the past year.
In the past year GJF had a positive cash flow from operations.
GJF had positive earnings in each of the past 5 years.
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 85.11% of its industry peers.
GJF's Return On Equity of 23.75% is amongst the best of the industry. GJF outperforms 93.62% of its industry peers.
With a decent Return On Invested Capital value of 2.54%, GJF is doing good in the industry, outperforming 78.72% of the companies in the same industry.
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 2.11%.
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 | 3.4% | ||
| 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
The Profit Margin of GJF (15.56%) is better than 85.11% of its industry peers.
In the last couple of years the Profit Margin of GJF has declined.
With a decent Operating Margin value of 15.34%, GJF is doing good in the industry, outperforming 70.21% of the companies in the same industry.
GJF's Operating Margin has declined in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 15.34% | ||
| 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
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), GJF 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
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.
Looking at the Debt to FCF ratio, with a value of 0.93, GJF belongs to the top of the industry, outperforming 95.74% of the companies in the same industry.
A Debt/Equity ratio of 0.20 indicates that GJF is not too dependend on debt financing.
GJF has a Debt to Equity ratio of 0.20. This is amongst the best in the industry. GJF outperforms 93.62% 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
GJF shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 28.85%, which is quite impressive.
Measured over the past 5 years, GJF shows a small growth in Earnings Per Share. The EPS has been growing by 0.18% on average per year.
The Revenue for GJF has decreased by -15.07% in the past year. This is quite bad
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.
The Revenue is expected to grow by 7.11% on average over the next years.
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
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
GJF is valuated rather expensively with a Price/Earnings ratio of 22.41.
Based on the Price/Earnings ratio, GJF is valued a bit more expensive than 76.60% of the companies in the same industry.
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.
With a Price/Forward Earnings ratio of 17.65, GJF is valued on the expensive side.
Based on the Price/Forward Earnings ratio, GJF is valued more expensive than 80.85% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 36.59. GJF is valued rather cheaply when compared to this.
| 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 63.83% 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 3.25%.
Compared to an average industry Dividend Yield of 4.53, GJF is paying slightly less dividend.
Compared to an average S&P500 Dividend Yield of 2.40, GJF pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.25% |
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 | 3.25% |
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)-6.04%
EPS NQ rev (3m)1.05%
EPS NY rev (1m)-2.1%
EPS NY rev (3m)2.14%
Revenue NQ rev (1m)-0.01%
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.