GJENSIDIGE FORSIKRING ASA (GJF.OL) Stock Fundamental Analysis
Europe - OSL:GJF - NO0010582521 - Common Stock
276.4 NOK
-0.8 (-0.29%)
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. GJF has only an average score on both its financial health and profitability. While showing a medium growth rate, GJF is valued expensive at the moment.
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.
GJF had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
Looking at the Return On Assets, with a value of 3.40%, GJF belongs to the top of the industry, outperforming 87.18% of the companies in the same industry.
GJF has a better Return On Equity (23.75%) than 92.31% of its industry peers.
With a decent Return On Invested Capital value of 2.54%, GJF is doing good in the industry, outperforming 79.49% 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 2.23%.
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
GJF's Profit Margin of 15.56% is amongst the best of the industry. GJF outperforms 87.18% of its industry peers.
GJF's Profit Margin has declined in the last couple of years.
GJF has a better Operating Margin (15.34%) than 71.79% 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
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.
Compared to 1 year ago, GJF has a worse debt to assets ratio.
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 94.87% of the companies in the same industry.
GJF has a Debt/Equity ratio of 0.20. This is a healthy value indicating a solid balance between debt and equity.
With an excellent Debt to Equity ratio value of 0.20, GJF belongs to the best of the industry, outperforming 92.31% of the companies in the same industry.
| 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.
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
The Revenue has been growing slightly by 6.30% on average over the past years.
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.
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
The Price/Earnings ratio is 21.87, which indicates a rather expensive current valuation of GJF.
Compared to the rest of the industry, the Price/Earnings ratio of GJF indicates a rather expensive valuation: GJF more expensive than 82.05% of the companies listed in the same industry.
GJF is valuated at similar levels of the S&P average when we compare the Price/Earnings ratio to 25.89, which is the current average of the S&P500 Index.
GJF is valuated rather expensively with a Price/Forward Earnings ratio of 17.22.
GJF's Price/Forward Earnings ratio is rather expensive when compared to the industry. GJF is more expensive than 82.05% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 34.59, GJF is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 21.87 | ||
| Fwd PE | 17.22 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, GJF is valued a bit more expensive than 71.79% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 24.06 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The 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)0.5
PEG (5Y)120.95
EPS Next 2Y26.61%
EPS Next 3Y19.11%
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 4.62.
GJF's Dividend Yield is a higher than the S&P500 average which is at 2.36.
| 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 78.27% 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.
DP78.27%
EPS Next 2Y26.61%
EPS Next 3Y19.11%
OSL:GJF (11/14/2025, 7:00:00 PM)
276.4
-0.8 (-0.29%)
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 Cap138.20B
Revenue(TTM)41.05B
Net Income(TTM)6.39B
Analysts53.33
Price Target281.79 (1.95%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.27% |
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)-4.91%
EPS NQ rev (3m)2.2%
EPS NY rev (1m)-2.1%
EPS NY rev (3m)12.97%
Revenue NQ rev (1m)0.08%
Revenue NQ rev (3m)0.08%
Revenue NY rev (1m)0.3%
Revenue NY rev (3m)1.33%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 21.87 | ||
| Fwd PE | 17.22 | ||
| P/S | 3.37 | ||
| P/FCF | 24.06 | ||
| P/OCF | 22.47 | ||
| P/B | 5.14 | ||
| P/tB | 7.33 | ||
| EV/EBITDA | N/A |
EPS(TTM)12.64
EY4.57%
EPS(NY)16.05
Fwd EY5.81%
FCF(TTM)11.49
FCFY4.16%
OCF(TTM)12.3
OCFY4.45%
SpS82.1
BVpS53.78
TBVpS37.71
PEG (NY)0.5
PEG (5Y)120.95
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 21.87 and the Price/Book (PB) ratio is 5.14.
Can you provide the financial health for GJF stock?
The financial health rating of GJENSIDIGE FORSIKRING ASA (GJF.OL) is 4 / 10.