GJENSIDIGE FORSIKRING ASA (GJF.OL) Stock Fundamental Analysis
Europe - Euronext Oslo - OSL:GJF - NO0010582521 - Common Stock
274.9 NOK
+0.5 (+0.18%)
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 an average financial health and profitability rating. GJF is valied quite expensively at the moment, while 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.
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
With an excellent Return On Assets value of 3.40%, GJF belongs to the best of the industry, outperforming 85.11% of the companies in the same industry.
Looking at the Return On Equity, with a value of 23.75%, GJF belongs to the top of the industry, outperforming 93.62% of the companies in the same industry.
GJF has a Return On Invested Capital of 2.54%. This is in the better half of the industry: GJF outperforms 78.72% of its industry peers.
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 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
With an excellent Profit Margin value of 15.56%, GJF belongs to the best of the industry, outperforming 85.11% 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 15.34%, GJF is in the better half of 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
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so GJF is destroying value.
Compared to 1 year ago, GJF has about the same amount of shares outstanding.
The number of shares outstanding for GJF remains at a similar level compared to 5 years ago.
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.
GJF has a Debt to FCF ratio of 0.93. This is amongst the best in the industry. GJF outperforms 95.74% 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 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
WACC8.4%
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.
The Earnings Per Share has been growing slightly by 0.18% on average over the past years.
The Revenue for GJF has decreased by -15.07% in the past year. This is quite bad
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
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 7.11% yearly.
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
With a Price/Earnings ratio of 21.75, GJF is valued on the expensive side.
GJF's Price/Earnings ratio is a bit more expensive when compared to the industry. GJF is more expensive than 78.72% 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 25.65, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 17.13, GJF is valued on the expensive side.
78.72% of the companies in the same industry are cheaper than GJF, based on the Price/Forward Earnings ratio.
When comparing the Price/Forward Earnings ratio of GJF to the average of the S&P500 Index (34.45), we can say GJF is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 21.75 | ||
| Fwd PE | 17.13 |
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 65.96% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 23.93 | ||
| 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.
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)120.29
EPS Next 2Y26.61%
EPS Next 3Y19.11%
5. Dividend
5.1 Amount
GJF has a Yearly Dividend Yield of 3.25%.
GJF's Dividend Yield is slightly below the industry average, which is at 4.53.
Compared to an average S&P500 Dividend Yield of 2.41, 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 (11/25/2025, 4:19:58 PM)
274.9
+0.5 (+0.18%)
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 Cap137.45B
Revenue(TTM)41.05B
Net Income(TTM)6.39B
Analysts53.33
Price Target284.34 (3.43%)
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 | 21.75 | ||
| Fwd PE | 17.13 | ||
| P/S | 3.35 | ||
| P/FCF | 23.93 | ||
| P/OCF | 22.35 | ||
| P/B | 5.11 | ||
| P/tB | 7.29 | ||
| EV/EBITDA | N/A |
EPS(TTM)12.64
EY4.6%
EPS(NY)16.05
Fwd EY5.84%
FCF(TTM)11.49
FCFY4.18%
OCF(TTM)12.3
OCFY4.47%
SpS82.1
BVpS53.78
TBVpS37.71
PEG (NY)0.49
PEG (5Y)120.29
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 21.75 and the Price/Book (PB) ratio is 5.11.
Can you provide the financial health for GJF stock?
The financial health rating of GJENSIDIGE FORSIKRING ASA (GJF.OL) is 4 / 10.