GJENSIDIGE FORSIKRING ASA (GJF.OL) Stock Fundamental Analysis
Europe • Euronext Oslo • OSL:GJF • NO0010582521
276 NOK
-1.4 (-0.5%)
Last: Feb 3, 2026, 01:05 PM
Taking everything into account, GJF scores 5 out of 10 in our fundamental rating. GJF was compared to 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. Finally GJF also has an excellent dividend rating.
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.
- 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
- With a decent Return On Assets value of 3.40%, GJF is doing good in the industry, outperforming 76.60% of the companies in the same industry.
- Looking at the Return On Equity, with a value of 23.75%, GJF belongs to the top of the industry, outperforming 89.36% of the companies in the same industry.
- With a decent Return On Invested Capital value of 2.54%, GJF is doing good in the industry, outperforming 68.09% of the companies in the same industry.
- The Average Return On Invested Capital over the past 3 years for GJF is in line with the industry average of 2.92%.
- 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 has a better Profit Margin (15.56%) than 89.36% of its industry peers.
- GJF's Profit Margin has declined in the last couple of years.
- 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.
- GJF has about the same amout of shares outstanding than it did 1 year ago.
- The number of shares outstanding for GJF remains at a similar level compared to 5 years ago.
- Compared to 1 year ago, GJF has a worse debt to assets ratio.
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 91.49% of its industry peers.
- A Debt/Equity ratio of 0.20 indicates that GJF is not too dependend on debt financing.
- With an excellent Debt to Equity ratio value of 0.20, GJF belongs to the best 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
WACC8.41%
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.
- 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
- 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.
- 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
- 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 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 21.84 indicates a rather expensive valuation of GJF.
- GJF's Price/Earnings ratio is rather expensive when compared to the industry. GJF is more expensive than 80.85% of the companies in the same industry.
- Compared to an average S&P500 Price/Earnings ratio of 28.41, GJF is valued a bit cheaper.
- With a Price/Forward Earnings ratio of 17.41, GJF is valued on the expensive side.
- 82.98% of the companies in the same industry are cheaper than GJF, based on the Price/Forward Earnings ratio.
- GJF is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 25.64, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 21.84 | ||
| Fwd PE | 17.41 |
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 72.34% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 24.02 | ||
| 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 18.84% in the coming years.
PEG (NY)0.58
PEG (5Y)120.77
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.
- Compared to an average industry Dividend Yield of 4.09, GJF pays a bit more dividend than its industry peers.
- 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
- GJF pays out 78.27% of its income as dividend. 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%
OSL:GJF (2/3/2026, 1:05:50 PM)
276
-1.4 (-0.5%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)01-29 2026-01-29/amc
Earnings (Next)04-29 2026-04-29
Inst Owners23.55%
Inst Owner ChangeN/A
Ins Owners0.03%
Ins Owner ChangeN/A
Market Cap138.00B
Revenue(TTM)41.05B
Net Income(TTM)6.39B
Analysts53.33
Price Target294.29 (6.63%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.31% |
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)1.05%
PT rev (3m)4.43%
EPS NQ rev (1m)-1.52%
EPS NQ rev (3m)-0.39%
EPS NY rev (1m)-0.97%
EPS NY rev (3m)-6.36%
Revenue NQ rev (1m)0.17%
Revenue NQ rev (3m)0.1%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.65%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 21.84 | ||
| Fwd PE | 17.41 | ||
| P/S | 3.36 | ||
| P/FCF | 24.02 | ||
| P/OCF | 22.44 | ||
| P/B | 5.13 | ||
| P/tB | 7.32 | ||
| EV/EBITDA | N/A |
EPS(TTM)12.64
EY4.58%
EPS(NY)15.85
Fwd EY5.74%
FCF(TTM)11.49
FCFY4.16%
OCF(TTM)12.3
OCFY4.46%
SpS82.1
BVpS53.78
TBVpS37.71
PEG (NY)0.58
PEG (5Y)120.77
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 Y37.76%
EPS Next 2Y25.85%
EPS Next 3Y18.84%
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 7 / 10 and the dividend payout ratio is 78.27%.