GJENSIDIGE FORSIKRING ASA (GJF.OL) Stock Fundamental Analysis
Europe - Euronext Oslo - OSL:GJF - NO0010582521 - Common Stock
282.2 NOK
-0.4 (-0.14%)
Taking everything into account, GJF scores 5 out of 10 in our fundamental rating. GJF was compared to 46 industry peers in the Insurance industry. GJF has an average financial health and profitability rating. 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.
GJF had a positive operating cash flow in the past year.
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
GJF has a Return On Assets of 3.40%. This is in the better half of the industry: GJF outperforms 76.09% of its industry peers.
Looking at the Return On Equity, with a value of 23.75%, GJF belongs to the top of the industry, outperforming 89.13% of the companies in the same industry.
GJF has a Return On Invested Capital of 2.54%. This is in the better half of the industry: GJF outperforms 71.74% 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 2.71%.
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
Looking at the Profit Margin, with a value of 15.56%, GJF belongs to the top of the industry, outperforming 86.96% of the companies in the same industry.
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 69.57% 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
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.
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.
GJF has a Debt to FCF ratio of 0.93. This is amongst the best in the industry. GJF outperforms 91.30% of its industry peers.
A Debt/Equity ratio of 0.20 indicates that GJF is not too dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.20, GJF belongs to the top of the industry, outperforming 93.48% 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
WACC8.41%
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 28.85%, which is quite impressive.
The Earnings Per Share has been growing slightly by 0.18% on average over the past years.
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
Based on estimates for the next years, GJF will show a quite strong growth in Earnings Per Share. The EPS will grow by 12.32% on average per year.
GJF is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.52% yearly.
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 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.
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
A Price/Earnings ratio of 22.33 indicates a rather expensive valuation of GJF.
Based on the Price/Earnings ratio, GJF is valued more expensive than 84.78% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 27.25, GJF is valued at the same level.
A Price/Forward Earnings ratio of 17.68 indicates a rather expensive valuation of GJF.
Based on the Price/Forward Earnings ratio, GJF is valued more expensive than 86.96% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.98, GJF is valued a bit cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 22.33 | ||
| Fwd PE | 17.68 |
4.2 Price Multiples
GJF's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. GJF is more expensive than 73.91% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 24.56 | ||
| 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.
A more expensive valuation may be justified as GJF's earnings are expected to grow with 19.12% in the coming years.
PEG (NY)0.57
PEG (5Y)123.49
EPS Next 2Y26.26%
EPS Next 3Y19.12%
5. Dividend
5.1 Amount
GJF has a Yearly Dividend Yield of 3.08%.
GJF's Dividend Yield is slightly below the industry average, which is at 3.93.
Compared to an average S&P500 Dividend Yield of 1.92, GJF pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.08% |
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 (1/13/2026, 9:11:55 AM)
282.2
-0.4 (-0.14%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners23.55%
Inst Owner ChangeN/A
Ins Owners0.03%
Ins Owner ChangeN/A
Market Cap141.10B
Revenue(TTM)41.05B
Net Income(TTM)6.39B
Analysts53.33
Price Target291.23 (3.2%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.08% |
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)1.23%
PT rev (3m)9.31%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-4.57%
EPS NY rev (1m)-2.02%
EPS NY rev (3m)-5.45%
Revenue NQ rev (1m)-0.24%
Revenue NQ rev (3m)0.01%
Revenue NY rev (1m)0.08%
Revenue NY rev (3m)0.65%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 22.33 | ||
| Fwd PE | 17.68 | ||
| P/S | 3.44 | ||
| P/FCF | 24.56 | ||
| P/OCF | 22.94 | ||
| P/B | 5.25 | ||
| P/tB | 7.48 | ||
| EV/EBITDA | N/A |
EPS(TTM)12.64
EY4.48%
EPS(NY)15.96
Fwd EY5.65%
FCF(TTM)11.49
FCFY4.07%
OCF(TTM)12.3
OCFY4.36%
SpS82.1
BVpS53.78
TBVpS37.71
PEG (NY)0.57
PEG (5Y)123.49
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
WACC8.41%
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 5Y5.52%
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 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 4 / 10 and the dividend payout ratio is 78.27%.