GJENSIDIGE FORSIKRING ASA (GJF.OL) Stock Fundamental Analysis

OSL:GJF • NO0010582521

267.8 NOK
+1.4 (+0.53%)
Last: Feb 20, 2026, 04:19 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership
Fundamental Rating

5

Overall GJF gets a fundamental rating of 5 out of 10. We evaluated GJF against 48 industry peers in the Insurance industry. GJF has only an average score on both its financial health and profitability. GJF is valied quite expensively at the moment, while it does show a decent growth rate.


Dividend Valuation Growth Profitability Health

6

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.
  • 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.
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 3.37%. This is in the better half of the industry: GJF outperforms 75.00% of its industry peers.
  • GJF has a Return On Equity of 22.88%. This is amongst the best in the industry. GJF outperforms 81.25% of its industry peers.
  • GJF has a better Return On Invested Capital (2.53%) than 66.67% 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 3.29%.
  • 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 3.37%
ROE 22.88%
ROIC 2.53%
ROA(3y)3.07%
ROA(5y)3.48%
ROE(3y)20%
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

  • With an excellent Profit Margin value of 15.08%, GJF belongs to the best of the industry, outperforming 85.42% of the companies in the same industry.
  • GJF's Profit Margin has declined in the last couple of years.
  • Looking at the Operating Margin, with a value of 14.78%, GJF is in the better half of the industry, outperforming 68.75% of the companies in the same industry.
  • In the last couple of years the Operating Margin of GJF has declined.
Industry RankSector Rank
OM 14.78%
PM (TTM) 15.08%
GM N/A
OM growth 3Y10.98%
OM growth 5Y-4.57%
PM growth 3Y9.95%
PM growth 5Y-2.51%
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

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ROAROEROICOperating and Profit MarginShow most profitable peers

4

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.
  • The number of shares outstanding for GJF remains at a similar level compared to 1 year ago.
  • Compared to 5 years ago, GJF has about the same amount of shares outstanding.
  • GJF has a better debt/assets ratio than last year.
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

  • The Debt to FCF ratio of GJF is 0.84, which is an excellent value as it means it would take GJF, only 0.84 years of fcf income to pay off all of its debts.
  • GJF's Debt to FCF ratio of 0.84 is amongst the best of the industry. GJF outperforms 93.75% of its industry peers.
  • A Debt/Equity ratio of 0.19 indicates that GJF is not too dependend on debt financing.
  • GJF has a Debt to Equity ratio of 0.19. This is amongst the best in the industry. GJF outperforms 93.75% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.19
Debt/FCF 0.84
Altman-Z N/A
ROIC/WACC0.3
WACC8.39%
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

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

5

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an impressive 23.43% 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 0.18% 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 a small growth in Revenue. Measured over the last years, the Revenue has been growing by 6.30% yearly.
EPS 1Y (TTM)23.43%
EPS 3Y-11.17%
EPS 5Y0.18%
EPS Q2Q%6.93%
Revenue 1Y (TTM)-10.91%
Revenue growth 3Y5.89%
Revenue growth 5Y6.3%
Sales Q2Q%18.68%

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 5.49% on average per year.
EPS Next Y37.76%
EPS Next 2Y25.85%
EPS Next 3Y18.84%
EPS Next 5Y12.32%
Revenue Next Year8.7%
Revenue Next 2Y8.21%
Revenue Next 3Y7.22%
Revenue Next 5Y5.49%

3.3 Evolution

  • The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
  • The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
GJF.OL Yearly Revenue VS EstimatesGJF.OL Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 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

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Find the best growth stocksShow best growing peers

3

4. Valuation

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 26.75, the valuation of GJF can be described as expensive.
  • 81.25% of the companies in the same industry are cheaper than GJF, based on the Price/Earnings ratio.
  • The average S&P500 Price/Earnings ratio is at 26.99. GJF is around the same levels.
  • GJF is valuated correctly with a Price/Forward Earnings ratio of 16.89.
  • Based on the Price/Forward Earnings ratio, GJF is valued expensively inside the industry as 85.42% of the companies are valued cheaper.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 28.06, GJF is valued a bit cheaper.
Industry RankSector Rank
PE 26.75
Fwd PE 16.89
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 70.83% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 21.4
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

  • 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.
  • GJF's earnings are expected to grow with 18.84% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.71
PEG (5Y)147.97
EPS Next 2Y25.85%
EPS Next 3Y18.84%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. Dividend

5.1 Amount

  • GJF has a Yearly Dividend Yield of 5.37%, which is a nice return.
  • Compared to an average industry Dividend Yield of 4.16, GJF pays a bit more dividend than its industry peers.
  • GJF's Dividend Yield is rather good when compared to the S&P500 average which is at 1.85.
Industry RankSector Rank
Dividend Yield 5.37%

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

  • 77.20% of the earnings are spent on dividend by GJF. This is not a sustainable payout ratio.
DP77.2%
EPS Next 2Y25.85%
EPS Next 3Y18.84%
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

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GJENSIDIGE FORSIKRING ASA

OSL:GJF (2/20/2026, 4:19:56 PM)

267.8

+1.4 (+0.53%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)01-29
Earnings (Next)04-29
Inst Owners23.55%
Inst Owner ChangeN/A
Ins Owners0.03%
Ins Owner ChangeN/A
Market Cap133.90B
Revenue(TTM)42.96B
Net Income(TTM)6.48B
Analysts69
Price Target294.48 (9.96%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 5.37%
Yearly Dividend10
Dividend Growth(5Y)-3.98%
DP77.2%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)2
Avg Revenue beat(2)5.86%
Min Revenue beat(2)3.32%
Max Revenue beat(2)8.4%
Revenue beat(4)3
Avg Revenue beat(4)3.04%
Min Revenue beat(4)-1.04%
Max Revenue beat(4)8.4%
Revenue beat(8)7
Avg Revenue beat(8)6.44%
Revenue beat(12)10
Avg Revenue beat(12)31.61%
Revenue beat(16)11
Avg Revenue beat(16)17.53%
PT rev (1m)1.12%
PT rev (3m)4.5%
EPS NQ rev (1m)-7.44%
EPS NQ rev (3m)-9.83%
EPS NY rev (1m)-0.65%
EPS NY rev (3m)-1.2%
Revenue NQ rev (1m)-2.17%
Revenue NQ rev (3m)-4.76%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.09%
Valuation
Industry RankSector Rank
PE 26.75
Fwd PE 16.89
P/S 3.12
P/FCF 21.4
P/OCF 20.86
P/B 4.73
P/tB 6.52
EV/EBITDA N/A
EPS(TTM)10.01
EY3.74%
EPS(NY)15.85
Fwd EY5.92%
FCF(TTM)12.51
FCFY4.67%
OCF(TTM)12.84
OCFY4.79%
SpS85.91
BVpS56.61
TBVpS41.1
PEG (NY)0.71
PEG (5Y)147.97
Graham Number112.92
Profitability
Industry RankSector Rank
ROA 3.37%
ROE 22.88%
ROCE 3.34%
ROIC 2.53%
ROICexc 2.59%
ROICexgc 5.51%
OM 14.78%
PM (TTM) 15.08%
GM N/A
FCFM 14.56%
ROA(3y)3.07%
ROA(5y)3.48%
ROE(3y)20%
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 3Y14.99%
ROICexgc growth 5Y-0.5%
ROICexc growth 3Y9.06%
ROICexc growth 5Y-6.19%
OM growth 3Y10.98%
OM growth 5Y-4.57%
PM growth 3Y9.95%
PM growth 5Y-2.51%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
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 96.59%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC8.39%
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)89.47%
Profit Quality(5y)81.75%
High Growth Momentum
Growth
EPS 1Y (TTM)23.43%
EPS 3Y-11.17%
EPS 5Y0.18%
EPS Q2Q%6.93%
EPS Next Y37.76%
EPS Next 2Y25.85%
EPS Next 3Y18.84%
EPS Next 5Y12.32%
Revenue 1Y (TTM)-10.91%
Revenue growth 3Y5.89%
Revenue growth 5Y6.3%
Sales Q2Q%18.68%
Revenue Next Year8.7%
Revenue Next 2Y8.21%
Revenue Next 3Y7.22%
Revenue Next 5Y5.49%
EBIT growth 1Y26.38%
EBIT growth 3Y25.18%
EBIT growth 5Y3.54%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y67.55%
FCF growth 3Y54.47%
FCF growth 5Y-1.72%
OCF growth 1Y54.56%
OCF growth 3Y41.57%
OCF growth 5Y-2.63%

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 5 / 10 and the dividend payout ratio is 77.2%.