GJENSIDIGE FORSIKRING ASA (GJF.OL) Stock Fundamental Analysis
Europe - OSL:GJF - NO0010582521 - Common Stock
275.4 NOK
+0.2 (+0.07%)
Taking everything into account, GJF scores 5 out of 10 in our fundamental rating. GJF was compared to 39 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. GJF is quite expensive at the moment. It does show a decent growth rate.
1. Profitability
1.1 Basic Checks
In the past year GJF was profitable.
GJF had a positive operating cash flow in the past year.
Each year in the past 5 years GJF has been profitable.
Each year in the past 5 years GJF had a positive operating cash flow.
1.2 Ratios
GJF has a better Return On Assets (3.58%) than 87.18% of its industry peers.
GJF has a better Return On Equity (26.53%) than 97.44% of its industry peers.
GJF's Return On Invested Capital of 2.54% is fine compared to the rest of the industry. GJF outperforms 79.49% 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 2.26%.
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 | 3.58% | ||
| ROE | 26.53% | ||
| 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's Profit Margin of 16.23% is amongst the best of the industry. GJF outperforms 92.31% of its industry peers.
GJF's Profit Margin has declined in the last couple of years.
GJF has a Operating Margin of 15.26%. This is in the better half of the industry: GJF outperforms 71.79% of its industry peers.
In the last couple of years the Operating Margin of GJF has declined.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 15.26% | ||
| PM (TTM) | 16.23% | ||
| 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.
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 0.85, which is an excellent value as it means it would take GJF, only 0.85 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of GJF (0.85) is better than 94.87% of its industry peers.
A Debt/Equity ratio of 0.22 indicates that GJF is not too dependend on debt financing.
GJF has a better Debt to Equity ratio (0.22) than 92.31% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.22 | ||
| Debt/FCF | 0.85 | ||
| Altman-Z | N/A |
ROIC/WACC0.3
WACC8.4%
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.
Looking at the last year, GJF shows a quite strong growth in Revenue. The Revenue has grown by 13.37% in the last year.
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)13.37%
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.
GJF is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.48% yearly.
EPS Next Y47.13%
EPS Next 2Y25.42%
EPS Next 3Y18.41%
EPS Next 5Y12.32%
Revenue Next Year8%
Revenue Next 2Y8.08%
Revenue Next 3Y7.35%
Revenue Next 5Y5.48%
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
GJF is valuated rather expensively with a Price/Earnings ratio of 21.79.
Based on the Price/Earnings ratio, GJF is valued a bit more expensive than 76.92% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 25.83. GJF is around the same levels.
A Price/Forward Earnings ratio of 17.49 indicates a rather expensive valuation of GJF.
Compared to the rest of the industry, the Price/Forward Earnings ratio of GJF indicates a rather expensive valuation: GJF more expensive than 82.05% of the companies listed in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 32.68. GJF is valued slightly cheaper when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 21.79 | ||
| Fwd PE | 17.49 |
4.2 Price Multiples
69.23% of the companies in the same industry are cheaper than GJF, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 21.87 | ||
| 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 18.41% in the coming years.
PEG (NY)0.46
PEG (5Y)120.51
EPS Next 2Y25.42%
EPS Next 3Y18.41%
5. Dividend
5.1 Amount
GJF has a Yearly Dividend Yield of 3.27%.
GJF's Dividend Yield is slightly below the industry average, which is at 4.51.
GJF's Dividend Yield is a higher than the S&P500 average which is at 2.39.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.27% |
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
GJF pays out 76.23% of its income as dividend. This is not a sustainable payout ratio.
GJF's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP76.23%
EPS Next 2Y25.42%
EPS Next 3Y18.41%
OSL:GJF (11/7/2025, 7:00:00 PM)
275.4
+0.2 (+0.07%)
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 Cap137.70B
Revenue(TTM)38.81B
Net Income(TTM)6.56B
Analysts53.33
Price Target281.79 (2.32%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.27% |
Yearly Dividend8.75
Dividend Growth(5Y)4.27%
DP76.23%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)18.64%
Min EPS beat(2)1.35%
Max EPS beat(2)35.93%
EPS beat(4)4
Avg EPS beat(4)11.25%
Min EPS beat(4)1.35%
Max EPS beat(4)35.93%
EPS beat(8)4
Avg EPS beat(8)-4.37%
EPS beat(12)4
Avg EPS beat(12)-7.93%
EPS beat(16)6
Avg EPS beat(16)-3.29%
Revenue beat(2)1
Avg Revenue beat(2)0.22%
Min Revenue beat(2)-1.04%
Max Revenue beat(2)1.48%
Revenue beat(4)3
Avg Revenue beat(4)4.65%
Min Revenue beat(4)-1.04%
Max Revenue beat(4)17.93%
Revenue beat(8)7
Avg Revenue beat(8)12%
Revenue beat(12)9
Avg Revenue beat(12)30.14%
Revenue beat(16)11
Avg Revenue beat(16)18.35%
PT rev (1m)6.56%
PT rev (3m)10.3%
EPS NQ rev (1m)-5.52%
EPS NQ rev (3m)-5.73%
EPS NY rev (1m)0%
EPS NY rev (3m)15.4%
Revenue NQ rev (1m)0.27%
Revenue NQ rev (3m)0.27%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.03%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 21.79 | ||
| Fwd PE | 17.49 | ||
| P/S | 3.41 | ||
| P/FCF | 21.87 | ||
| P/OCF | 20.87 | ||
| P/B | 5.57 | ||
| P/tB | 8.49 | ||
| EV/EBITDA | N/A |
EPS(TTM)12.64
EY4.59%
EPS(NY)15.75
Fwd EY5.72%
FCF(TTM)12.59
FCFY4.57%
OCF(TTM)13.2
OCFY4.79%
SpS80.8
BVpS49.44
TBVpS32.43
PEG (NY)0.46
PEG (5Y)120.51
Graham Number118.57
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.58% | ||
| ROE | 26.53% | ||
| ROCE | 3.38% | ||
| ROIC | 2.54% | ||
| ROICexc | 2.6% | ||
| ROICexgc | 5.44% | ||
| OM | 15.26% | ||
| PM (TTM) | 16.23% | ||
| GM | N/A | ||
| FCFM | 15.58% |
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-Score7
Asset Turnover0.22
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.22 | ||
| Debt/FCF | 0.85 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | 0.75% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | N/A | ||
| Profit Quality | 95.99% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score7
WACC8.4%
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 Y47.13%
EPS Next 2Y25.42%
EPS Next 3Y18.41%
EPS Next 5Y12.32%
Revenue 1Y (TTM)13.37%
Revenue growth 3Y5.89%
Revenue growth 5Y6.3%
Sales Q2Q%13.73%
Revenue Next Year8%
Revenue Next 2Y8.08%
Revenue Next 3Y7.35%
Revenue Next 5Y5.48%
EBIT growth 1Y70.23%
EBIT growth 3Y-14.76%
EBIT growth 5Y-5.98%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y11.51%
FCF growth 3Y-16.85%
FCF growth 5YN/A
OCF growth 1Y4.56%
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 21.79 and the Price/Book (PB) ratio is 5.57.
Can you provide the financial health for GJF stock?
The financial health rating of GJENSIDIGE FORSIKRING ASA (GJF.OL) is 4 / 10.