GJENSIDIGE FORSIKRING ASA (GJF.OL) Stock Fundamental Analysis
Europe • Euronext Oslo • OSL:GJF • NO0010582521
277 NOK
+3.2 (+1.17%)
Last: Feb 2, 2026, 04:19 PM
Overall GJF gets a fundamental rating of 5 out of 10. We evaluated GJF against 47 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 valied quite expensively at the moment, while it does show a decent growth rate. GJF also has an excellent dividend rating.
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.
- In the past 5 years GJF has always been profitable.
- Each year in the past 5 years GJF had a positive operating cash flow.
1.2 Ratios
- GJF has a Return On Assets of 3.40%. This is in the better half of the industry: GJF outperforms 76.60% of its industry peers.
- GJF's Return On Equity of 23.75% is amongst the best of the industry. GJF outperforms 89.36% of its industry peers.
- GJF has a better Return On Invested Capital (2.54%) than 68.09% 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 2.87%.
- 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
- GJF's Profit Margin of 15.56% is amongst the best of the industry. GJF outperforms 89.36% of its industry peers.
- In the last couple of years the Profit Margin of GJF has declined.
- The Operating Margin of GJF (15.34%) is better than 70.21% 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.
- 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 worse debt/assets ratio than last year.
2.2 Solvency
- GJF has a debt to FCF ratio of 0.93. This is a very positive value and a sign of high solvency as it would only need 0.93 years to pay back of all of its debts.
- With an excellent Debt to FCF ratio value of 0.93, GJF belongs to the best of the industry, outperforming 91.49% 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.
- Looking at the Debt to Equity ratio, with a value of 0.20, GJF belongs to the top of the industry, outperforming 93.62% 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.
- Looking at the last year, GJF shows a very negative growth in Revenue. The Revenue has decreased by -15.07% 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)-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 5.52% 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 5Y5.52%
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
- A Price/Earnings ratio of 21.91 indicates a rather expensive valuation of GJF.
- 80.85% of the companies in the same industry are cheaper than GJF, based on the Price/Earnings ratio.
- When comparing the Price/Earnings ratio of GJF to the average of the S&P500 Index (28.32), we can say GJF is valued slightly cheaper.
- A Price/Forward Earnings ratio of 17.47 indicates a rather expensive valuation of GJF.
- GJF's Price/Forward Earnings ratio is rather expensive when compared to the industry. GJF is more expensive than 82.98% of the companies in the same industry.
- Compared to an average S&P500 Price/Forward Earnings ratio of 25.57, GJF is valued a bit cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 21.91 | ||
| Fwd PE | 17.47 |
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 72.34% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 24.11 | ||
| 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 18.84% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.58
PEG (5Y)121.21
EPS Next 2Y25.85%
EPS Next 3Y18.84%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 5.31%, GJF is a good candidate for dividend investing.
- GJF's Dividend Yield is a higher than the industry average which is at 4.09.
- Compared to an average S&P500 Dividend Yield of 1.83, GJF pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.31% |
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 2Y25.85%
EPS Next 3Y18.84%
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 7 / 10 and the dividend payout ratio is 78.27%.