GJENSIDIGE FORSIKRING ASA (GJF.OL) Stock Fundamental Analysis
Europe - Euronext Oslo - OSL:GJF - NO0010582521 - Common Stock
302 NOK
+4.2 (+1.41%)
GJF gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals 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. 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.
GJF had a positive operating cash flow in the past year.
Each year in the past 5 years GJF has been profitable.
GJF had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
The Return On Assets of GJF (3.40%) is better than 78.72% 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's Return On Invested Capital of 2.54% is fine compared to the rest of the industry. GJF outperforms 74.47% 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 2.63%.
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 has a Profit Margin of 15.56%. This is amongst the best in the industry. GJF outperforms 87.23% of its industry peers.
GJF's Profit Margin has declined in the last couple of years.
GJF's Operating Margin of 15.34% is fine compared to the rest of the industry. GJF outperforms 72.34% of its industry peers.
In the last couple of years the Operating Margin of GJF has declined.
| 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.
GJF has about the same amout of shares outstanding than it did 5 years ago.
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.
Looking at the Debt to FCF ratio, with a value of 0.93, GJF belongs to the top of the industry, outperforming 91.49% of the companies in the same industry.
A Debt/Equity ratio of 0.20 indicates that GJF is not too dependend on debt financing.
GJF has a Debt to Equity ratio of 0.20. This is amongst the best in the industry. GJF outperforms 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
WACC8.42%
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.
GJF shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -15.07%.
GJF shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 6.30% yearly.
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
GJF is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 12.32% yearly.
The Revenue is expected to grow by 7.11% on average over the next years.
EPS Next Y39.11%
EPS Next 2Y26.26%
EPS Next 3Y19.12%
EPS Next 5Y12.32%
Revenue Next Year8.7%
Revenue Next 2Y8.21%
Revenue Next 3Y7.22%
Revenue Next 5Y7.11%
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
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
Based on the Price/Earnings ratio of 23.89, the valuation of GJF can be described as rather expensive.
82.98% of the companies in the same industry are cheaper than GJF, based on the Price/Earnings ratio.
GJF is valuated at similar levels of the S&P average when we compare the Price/Earnings ratio to 26.51, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 18.92, which indicates a rather expensive current valuation of GJF.
GJF's Price/Forward Earnings ratio is rather expensive when compared to the industry. GJF is more expensive than 89.36% of the companies in the same industry.
GJF is valuated at similar levels of the S&P average when we compare the Price/Forward Earnings ratio to 23.13, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 23.89 | ||
| Fwd PE | 18.92 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, GJF is valued a bit more expensive than 68.09% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 26.29 | ||
| 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 19.12% in the coming years.
PEG (NY)0.61
PEG (5Y)132.15
EPS Next 2Y26.26%
EPS Next 3Y19.12%
5. Dividend
5.1 Amount
GJF has a Yearly Dividend Yield of 3.01%.
Compared to an average industry Dividend Yield of 3.90, GJF is paying slightly less dividend.
Compared to an average S&P500 Dividend Yield of 2.00, GJF pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.01% |
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.
GJF's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP78.27%
EPS Next 2Y26.26%
EPS Next 3Y19.12%
OSL:GJF (12/30/2025, 7:00:00 PM)
302
+4.2 (+1.41%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners23.61%
Inst Owner ChangeN/A
Ins Owners0.03%
Ins Owner ChangeN/A
Market Cap151.00B
Revenue(TTM)41.05B
Net Income(TTM)6.39B
Analysts53.33
Price Target291.23 (-3.57%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.01% |
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)2.42%
PT rev (3m)10.12%
EPS NQ rev (1m)1.4%
EPS NQ rev (3m)-4.57%
EPS NY rev (1m)-3.42%
EPS NY rev (3m)-5.45%
Revenue NQ rev (1m)-0.07%
Revenue NQ rev (3m)0.01%
Revenue NY rev (1m)0.35%
Revenue NY rev (3m)1.31%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 23.89 | ||
| Fwd PE | 18.92 | ||
| P/S | 3.68 | ||
| P/FCF | 26.29 | ||
| P/OCF | 24.55 | ||
| P/B | 5.62 | ||
| P/tB | 8.01 | ||
| EV/EBITDA | N/A |
EPS(TTM)12.64
EY4.19%
EPS(NY)15.96
Fwd EY5.28%
FCF(TTM)11.49
FCFY3.8%
OCF(TTM)12.3
OCFY4.07%
SpS82.1
BVpS53.78
TBVpS37.71
PEG (NY)0.61
PEG (5Y)132.15
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
WACC8.42%
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 Y39.11%
EPS Next 2Y26.26%
EPS Next 3Y19.12%
EPS Next 5Y12.32%
Revenue 1Y (TTM)-15.07%
Revenue growth 3Y5.89%
Revenue growth 5Y6.3%
Sales Q2Q%13.73%
Revenue Next Year8.7%
Revenue Next 2Y8.21%
Revenue Next 3Y7.22%
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 for GJF stock?
ChartMill assigns a valuation rating of 2 / 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 4 / 10 and the dividend payout ratio is 78.27%.