GJENSIDIGE FORSIKRING ASA (GJF.OL) Stock Fundamental Analysis
Europe - OSL:GJF - NO0010582521 - Common Stock
275.2 NOK
-1.6 (-0.58%)
GJF gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 40 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.
In the past year GJF had a positive cash flow from operations.
In the past 5 years GJF has always been profitable.
In the past 5 years GJF always reported a positive cash flow from operatings.
1.2 Ratios
GJF has a better Return On Assets (3.40%) than 85.00% of its industry peers.
GJF has a better Return On Equity (23.75%) than 92.50% of its industry peers.
Looking at the Return On Invested Capital, with a value of 2.54%, GJF is in the better half of the industry, outperforming 75.00% of the companies in the same industry.
Measured over the past 3 years, the Average Return On Invested Capital for GJF is in line with the industry average of 2.35%.
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
Looking at the Profit Margin, with a value of 15.56%, GJF belongs to the top of the industry, outperforming 85.00% of the companies in the same industry.
In the last couple of years the Profit Margin of GJF has declined.
GJF's Operating Margin of 15.34% is fine compared to the rest of the industry. GJF outperforms 70.00% 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.
Compared to 1 year ago, GJF has about the same amount of shares outstanding.
GJF has about the same amout of shares outstanding than it did 5 years ago.
The debt/assets ratio for GJF is higher compared to a year ago.
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.
GJF has a Debt to FCF ratio of 0.93. This is amongst the best in the industry. GJF outperforms 95.00% 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 92.50% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.2 | ||
| Debt/FCF | 0.93 | ||
| 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
The Earnings Per Share has grown by an impressive 28.85% over the past year.
GJF shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 0.18% yearly.
Looking at the last year, GJF shows a very negative growth in Revenue. The Revenue has decreased by -15.07% in the last year.
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.
Based on estimates for the next years, GJF will show a small growth in Revenue. The Revenue will grow by 7.11% on average per year.
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
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
Based on the Price/Earnings ratio of 21.77, the valuation of GJF can be described as rather expensive.
Based on the Price/Earnings ratio, GJF is valued more expensive than 80.00% 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 25.56, which is the current average of the S&P500 Index.
A Price/Forward Earnings ratio of 17.15 indicates a rather expensive valuation of GJF.
Based on the Price/Forward Earnings ratio, GJF is valued more expensive than 82.50% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 34.62, GJF is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 21.77 | ||
| Fwd PE | 17.15 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, GJF is valued a bit more expensive than 67.50% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 23.95 | ||
| 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.
GJF has a very decent profitability rating, which may justify a higher PE ratio.
GJF's earnings are expected to grow with 19.11% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.49
PEG (5Y)120.42
EPS Next 2Y26.61%
EPS Next 3Y19.11%
5. Dividend
5.1 Amount
GJF has a Yearly Dividend Yield of 3.25%. Purely for dividend investing, there may be better candidates out there.
GJF's Dividend Yield is slightly below the industry average, which is at 4.50.
Compared to an average S&P500 Dividend Yield of 2.44, 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.
GJF's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP78.27%
EPS Next 2Y26.61%
EPS Next 3Y19.11%
OSL:GJF (11/18/2025, 10:35:22 AM)
275.2
-1.6 (-0.58%)
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 Cap137.60B
Revenue(TTM)41.05B
Net Income(TTM)6.39B
Analysts53.33
Price Target281.79 (2.39%)
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)5.77%
PT rev (3m)8.45%
EPS NQ rev (1m)-4.98%
EPS NQ rev (3m)2.2%
EPS NY rev (1m)-2.1%
EPS NY rev (3m)12.97%
Revenue NQ rev (1m)-0.01%
Revenue NQ rev (3m)0.08%
Revenue NY rev (1m)0.3%
Revenue NY rev (3m)1.33%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 21.77 | ||
| Fwd PE | 17.15 | ||
| P/S | 3.35 | ||
| P/FCF | 23.95 | ||
| P/OCF | 22.37 | ||
| P/B | 5.12 | ||
| P/tB | 7.3 | ||
| EV/EBITDA | N/A |
EPS(TTM)12.64
EY4.59%
EPS(NY)16.05
Fwd EY5.83%
FCF(TTM)11.49
FCFY4.17%
OCF(TTM)12.3
OCFY4.47%
SpS82.1
BVpS53.78
TBVpS37.71
PEG (NY)0.49
PEG (5Y)120.42
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
WACC8.4%
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 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 21.77 and the Price/Book (PB) ratio is 5.12.
Can you provide the financial health for GJF stock?
The financial health rating of GJENSIDIGE FORSIKRING ASA (GJF.OL) is 4 / 10.