GJENSIDIGE FORSIKRING ASA (GJF.OL) Stock Fundamental Analysis
OSL:GJF - NO0010582521 - Common Stock
288.4 NOK
-0.8 (-0.28%)
Overall GJF gets a fundamental rating of 5 out of 10. We evaluated GJF against 37 industry peers in the Insurance industry. GJF has an excellent profitability rating, but there are some minor concerns on its financial health. GJF is quite expensive at the moment. 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.
GJF had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
GJF's Return On Assets of 3.58% is amongst the best of the industry. GJF outperforms 89.19% of its industry peers.
Looking at the Return On Equity, with a value of 26.53%, GJF belongs to the top of the industry, outperforming 97.30% of the companies in the same industry.
Looking at the Return On Invested Capital, with a value of 2.54%, GJF belongs to the top of the industry, outperforming 81.08% 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 2.19%.
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 | 3.58% | ||
| 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
GJF has a Profit Margin of 16.23%. This is amongst the best in the industry. GJF outperforms 91.89% of its industry peers.
GJF's Profit Margin has declined in the last couple of years.
GJF has a Operating Margin of 15.26%. This is in the better half of the industry: GJF outperforms 78.38% 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
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.
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
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.
Looking at the Debt to FCF ratio, with a value of 0.85, GJF belongs to the top of the industry, outperforming 89.19% of the companies in the same industry.
A Debt/Equity ratio of 0.22 indicates that GJF is not too dependend on debt financing.
GJF has a Debt to Equity ratio of 0.22. This is amongst the best in the industry. GJF outperforms 86.49% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.22 | ||
| Debt/FCF | 0.85 | ||
| Altman-Z | N/A |
ROIC/WACC0.3
WACC8.37%
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.
GJF shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -15.03%.
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)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 10.02% on average per year.
GJF is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.30% yearly.
EPS Next Y27.49%
EPS Next 2Y20.33%
EPS Next 3Y14.9%
EPS Next 5Y10.02%
Revenue Next Year6.9%
Revenue Next 2Y6.97%
Revenue Next 3Y6.26%
Revenue Next 5Y4.3%
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.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 22.48 indicates a rather expensive valuation of GJF.
GJF's Price/Earnings ratio is a bit more expensive when compared to the industry. GJF is more expensive than 78.38% of the companies in the same industry.
GJF's Price/Earnings ratio indicates a similar valuation than the S&P500 average which is at 26.76.
A Price/Forward Earnings ratio of 19.90 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 81.08% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 34.91. GJF is valued slightly cheaper when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 22.48 | ||
| Fwd PE | 19.9 |
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 64.86% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 22.91 | ||
| 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 14.90% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.82
PEG (5Y)124.33
EPS Next 2Y20.33%
EPS Next 3Y14.9%
5. Dividend
5.1 Amount
GJF has a Yearly Dividend Yield of 3.16%.
Compared to an average industry Dividend Yield of 4.34, GJF is paying slightly less dividend.
GJF's Dividend Yield is a higher than the S&P500 average which is at 2.36.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.16% |
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 2Y20.33%
EPS Next 3Y14.9%
OSL:GJF (8/22/2025, 3:40:00 PM)
288.4
-0.8 (-0.28%)
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 Cap144.20B
Analysts53.64
Price Target259.84 (-9.9%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.16% |
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)9.9%
PT rev (3m)12.14%
EPS NQ rev (1m)5.76%
EPS NQ rev (3m)13.27%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)0.27%
Revenue NQ rev (3m)2.96%
Revenue NY rev (1m)0.09%
Revenue NY rev (3m)0.09%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 22.48 | ||
| Fwd PE | 19.9 | ||
| P/S | 3.57 | ||
| P/FCF | 22.91 | ||
| P/OCF | 21.85 | ||
| P/B | 5.83 | ||
| P/tB | 8.89 | ||
| EV/EBITDA | N/A |
EPS(TTM)12.83
EY4.45%
EPS(NY)14.49
Fwd EY5.03%
FCF(TTM)12.59
FCFY4.37%
OCF(TTM)13.2
OCFY4.58%
SpS80.8
BVpS49.44
TBVpS32.43
PEG (NY)0.82
PEG (5Y)124.33
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
WACC8.37%
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 Y27.49%
EPS Next 2Y20.33%
EPS Next 3Y14.9%
EPS Next 5Y10.02%
Revenue 1Y (TTM)-15.03%
Revenue growth 3Y5.89%
Revenue growth 5Y6.3%
Sales Q2Q%7.08%
Revenue Next Year6.9%
Revenue Next 2Y6.97%
Revenue Next 3Y6.26%
Revenue Next 5Y4.3%
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