GJENSIDIGE FORSIKRING ASA (GJF.OL) Stock Fundamental Analysis
Europe - OSL:GJF - NO0010582521 - Common Stock
274.9 NOK
-0.5 (-0.18%)
Taking everything into account, GJF scores 4 out of 10 in our fundamental rating. GJF was compared to 43 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.
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.
1.2 Ratios
Looking at the Return On Assets, with a value of 3.58%, GJF belongs to the top of the industry, outperforming 88.37% of the companies in the same industry.
GJF has a Return On Equity of 26.53%. This is amongst the best in the industry. GJF outperforms 97.67% of its industry peers.
GJF's Return On Invested Capital of 2.54% is fine compared to the rest of the industry. GJF outperforms 79.07% 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 2.26%.
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 | 3.58% | ||
| ROE | 26.53% | ||
| 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 16.23%, GJF belongs to the best of the industry, outperforming 93.02% of the companies in the same industry.
In the last couple of years the Profit Margin of GJF has declined.
GJF has a Operating Margin of 15.26%. This is in the better half of the industry: GJF outperforms 74.42% of its industry peers.
GJF's Operating Margin has declined in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 15.26% | ||
| PM (TTM) | 16.23% | ||
| 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.
GJF has about the same amout of shares outstanding than it did 1 year ago.
GJF has about the same amout of shares outstanding than it did 5 years ago.
Compared to 1 year ago, GJF has a worse debt to assets ratio.
2.2 Solvency
The Debt to FCF ratio of GJF is 0.85, which is an excellent value as it means it would take GJF, only 0.85 years of fcf income to pay off all of its debts.
GJF has a Debt to FCF ratio of 0.85. This is amongst the best in the industry. GJF outperforms 93.02% of its industry peers.
A Debt/Equity ratio of 0.22 indicates that GJF is not too dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.22, GJF belongs to the top of the industry, outperforming 93.02% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.22 | ||
| Debt/FCF | 0.85 | ||
| Altman-Z | N/A |
ROIC/WACC0.3
WACC8.36%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
GJF shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 58.00%, which is quite impressive.
GJF shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 0.18% yearly.
The Revenue for GJF has decreased by -15.03% 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)58%
EPS 3Y-11.17%
EPS 5Y0.18%
EPS Q2Q%66.54%
Revenue 1Y (TTM)-15.03%
Revenue growth 3Y5.89%
Revenue growth 5Y6.3%
Sales Q2Q%7.08%
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 9.78% on average per year.
Based on estimates for the next years, GJF will show a small growth in Revenue. The Revenue will grow by 4.07% on average per year.
EPS Next Y41.01%
EPS Next 2Y23.81%
EPS Next 3Y17.72%
EPS Next 5Y9.78%
Revenue Next Year7.29%
Revenue Next 2Y7.25%
Revenue Next 3Y6.46%
Revenue Next 5Y4.07%
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 decreasing.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 21.43, which indicates a rather expensive current valuation of GJF.
81.40% of the companies in the same industry are cheaper than GJF, based on the Price/Earnings ratio.
GJF's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 27.41.
With a Price/Forward Earnings ratio of 17.92, GJF is valued on the expensive side.
86.05% of the companies in the same industry are cheaper than GJF, based on the Price/Forward Earnings ratio.
GJF's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 22.88.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 21.43 | ||
| Fwd PE | 17.92 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, GJF is valued a bit more expensive than 69.77% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 21.83 | ||
| 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.
A more expensive valuation may be justified as GJF's earnings are expected to grow with 17.72% in the coming years.
PEG (NY)0.52
PEG (5Y)118.51
EPS Next 2Y23.81%
EPS Next 3Y17.72%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 3.18%, GJF has a reasonable but not impressive dividend return.
GJF's Dividend Yield is slightly below the industry average, which is at 4.56.
GJF's Dividend Yield is a higher than the S&P500 average which is at 2.38.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.18% |
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
76.23% 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.
DP76.23%
EPS Next 2Y23.81%
EPS Next 3Y17.72%
OSL:GJF (9/19/2025, 2:35:08 PM)
274.9
-0.5 (-0.18%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners23.53%
Inst Owner ChangeN/A
Ins Owners0.03%
Ins Owner ChangeN/A
Market Cap137.45B
Analysts53.33
Price Target264.45 (-3.8%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.18% |
Yearly Dividend8.75
Dividend Growth(5Y)4.27%
DP76.23%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)18.64%
Min EPS beat(2)1.35%
Max EPS beat(2)35.93%
EPS beat(4)4
Avg EPS beat(4)11.25%
Min EPS beat(4)1.35%
Max EPS beat(4)35.93%
EPS beat(8)4
Avg EPS beat(8)-4.37%
EPS beat(12)4
Avg EPS beat(12)-7.93%
EPS beat(16)6
Avg EPS beat(16)-3.29%
Revenue beat(2)1
Avg Revenue beat(2)0.22%
Min Revenue beat(2)-1.04%
Max Revenue beat(2)1.48%
Revenue beat(4)3
Avg Revenue beat(4)4.65%
Min Revenue beat(4)-1.04%
Max Revenue beat(4)17.93%
Revenue beat(8)7
Avg Revenue beat(8)12%
Revenue beat(12)9
Avg Revenue beat(12)30.14%
Revenue beat(16)11
Avg Revenue beat(16)18.35%
PT rev (1m)1.78%
PT rev (3m)11.94%
EPS NQ rev (1m)-0.22%
EPS NQ rev (3m)13.02%
EPS NY rev (1m)10.6%
EPS NY rev (3m)10.6%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)2.96%
Revenue NY rev (1m)0.37%
Revenue NY rev (3m)0.46%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 21.43 | ||
| Fwd PE | 17.92 | ||
| P/S | 3.4 | ||
| P/FCF | 21.83 | ||
| P/OCF | 20.83 | ||
| P/B | 5.56 | ||
| P/tB | 8.48 | ||
| EV/EBITDA | N/A |
EPS(TTM)12.83
EY4.67%
EPS(NY)15.34
Fwd EY5.58%
FCF(TTM)12.59
FCFY4.58%
OCF(TTM)13.2
OCFY4.8%
SpS80.8
BVpS49.44
TBVpS32.43
PEG (NY)0.52
PEG (5Y)118.51
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.58% | ||
| ROE | 26.53% | ||
| ROCE | 3.38% | ||
| ROIC | 2.54% | ||
| ROICexc | 2.6% | ||
| ROICexgc | 5.44% | ||
| OM | 15.26% | ||
| PM (TTM) | 16.23% | ||
| GM | N/A | ||
| FCFM | 15.58% |
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%
ROICexcg growth 3Y-16.12%
ROICexcg 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-Score7
Asset Turnover0.22
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.22 | ||
| Debt/FCF | 0.85 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | 0.75% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | N/A | ||
| Profit Quality | 95.99% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score7
WACC8.36%
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)58%
EPS 3Y-11.17%
EPS 5Y0.18%
EPS Q2Q%66.54%
EPS Next Y41.01%
EPS Next 2Y23.81%
EPS Next 3Y17.72%
EPS Next 5Y9.78%
Revenue 1Y (TTM)-15.03%
Revenue growth 3Y5.89%
Revenue growth 5Y6.3%
Sales Q2Q%7.08%
Revenue Next Year7.29%
Revenue Next 2Y7.25%
Revenue Next 3Y6.46%
Revenue Next 5Y4.07%
EBIT growth 1Y70.23%
EBIT growth 3Y-14.76%
EBIT growth 5Y-5.98%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y11.51%
FCF growth 3Y-16.85%
FCF growth 5YN/A
OCF growth 1Y4.56%
OCF growth 3Y-16.08%
OCF growth 5YN/A