GJENSIDIGE FORSIKRING ASA (GJF.OL) Stock Fundamental Analysis
OSL:GJF - Euronext Oslo - NO0010582521 - Common Stock - Currency: NOK
Overall GJF gets a fundamental rating of 4 out of 10. We evaluated GJF against 38 industry peers in the Insurance industry. GJF has an average financial health and profitability rating. While showing a medium growth rate, GJF is valued expensive at the moment.
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.
GJF had positive earnings in each of the past 5 years.
Each year in the past 5 years GJF had a positive operating cash flow.
1.2 Ratios
With an excellent Return On Assets value of 3.76%, GJF belongs to the best of the industry, outperforming 89.47% of the companies in the same industry.
GJF has a Return On Equity of 29.23%. This is amongst the best in the industry. GJF outperforms 97.37% of its industry peers.
GJF has a better Return On Invested Capital (2.67%) than 76.32% 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 2.30%.
The last Return On Invested Capital (2.67%) for GJF is above the 3 year average (1.93%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.76% | ||
| ROE | 29.23% | ||
| ROIC | 2.67% |
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's Profit Margin of 13.26% is fine compared to the rest of the industry. GJF outperforms 78.95% of its industry peers.
In the last couple of years the Profit Margin of GJF has declined.
GJF has a better Operating Margin (12.49%) than 60.53% of its industry peers.
In the last couple of years the Operating Margin of GJF has declined.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 12.49% | ||
| PM (TTM) | 13.26% | ||
| 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.
The debt/assets ratio for GJF is higher compared to a year ago.
2.2 Solvency
GJF has a debt to FCF ratio of 0.78. This is a very positive value and a sign of high solvency as it would only need 0.78 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 0.78, GJF belongs to the top of the industry, outperforming 94.74% of the companies in the same industry.
A Debt/Equity ratio of 0.24 indicates that GJF is not too dependend on debt financing.
GJF has a Debt to Equity ratio of 0.24. This is amongst the best in the industry. GJF outperforms 86.84% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.24 | ||
| Debt/FCF | 0.78 | ||
| Altman-Z | N/A |
ROIC/WACC0.32
WACC8.36%
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 48.12% over the past year.
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 strong growth in Revenue. In the last year, the Revenue has grown by 33.40%.
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)48.12%
EPS 3Y-11.17%
EPS 5Y0.18%
EPS Q2Q%63.52%
Revenue 1Y (TTM)33.4%
Revenue growth 3Y5.89%
Revenue growth 5Y6.3%
Sales Q2Q%5.82%
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 8.95% on average per year.
Based on estimates for the next years, GJF will show a small growth in Revenue. The Revenue will grow by 3.75% on average per year.
EPS Next Y27.49%
EPS Next 2Y20.33%
EPS Next 3Y14.9%
EPS Next 5Y8.95%
Revenue Next Year6.8%
Revenue Next 2Y6.47%
Revenue Next 3Y6.36%
Revenue Next 5Y3.75%
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
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
With a Price/Earnings ratio of 22.40, GJF is valued on the expensive side.
Compared to the rest of the industry, the Price/Earnings ratio of GJF indicates a slightly more expensive valuation: GJF is more expensive than 73.68% of the companies listed in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.34, GJF is valued at the same level.
Based on the Price/Forward Earnings ratio of 17.03, the valuation of GJF can be described as rather expensive.
Based on the Price/Forward Earnings ratio, GJF is valued expensively inside the industry as 81.58% of the companies are valued cheaper.
GJF's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 22.19.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 22.4 | ||
| Fwd PE | 17.03 |
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 65.79% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 18.03 | ||
| 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 14.90% in the coming years.
PEG (NY)0.81
PEG (5Y)123.87
EPS Next 2Y20.33%
EPS Next 3Y14.9%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 3.57%, GJF has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 4.47, GJF is paying slightly less dividend.
GJF's Dividend Yield is a higher than the S&P500 average which is at 2.40.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.57% |
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 142.49% 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.
DP142.49%
EPS Next 2Y20.33%
EPS Next 3Y14.9%
OSL:GJF (6/18/2025, 4:26:15 PM)
246.8
-0.2 (-0.08%)
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 Cap123.40B
Analysts65
Price Target236.24 (-4.28%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.57% |
Yearly Dividend8.75
Dividend Growth(5Y)4.27%
DP142.49%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)2.3%
Min EPS beat(2)1.35%
Max EPS beat(2)3.25%
EPS beat(4)3
Avg EPS beat(4)-2.57%
Min EPS beat(4)-19.34%
Max EPS beat(4)4.45%
EPS beat(8)3
Avg EPS beat(8)-13.14%
EPS beat(12)3
Avg EPS beat(12)-11.17%
EPS beat(16)6
Avg EPS beat(16)-4.04%
Revenue beat(2)1
Avg Revenue beat(2)-0.41%
Min Revenue beat(2)-1.04%
Max Revenue beat(2)0.22%
Revenue beat(4)3
Avg Revenue beat(4)8.5%
Min Revenue beat(4)-1.04%
Max Revenue beat(4)17.93%
Revenue beat(8)7
Avg Revenue beat(8)52.57%
Revenue beat(12)8
Avg Revenue beat(12)25.92%
Revenue beat(16)11
Avg Revenue beat(16)19.07%
PT rev (1m)1.95%
PT rev (3m)5.59%
EPS NQ rev (1m)-6.36%
EPS NQ rev (3m)-7.05%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.31%
Revenue NQ rev (1m)-0.63%
Revenue NQ rev (3m)-1.38%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.14%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 22.4 | ||
| Fwd PE | 17.03 | ||
| P/S | 2.53 | ||
| P/FCF | 18.03 | ||
| P/OCF | 16.73 | ||
| P/B | 5.57 | ||
| P/tB | 8.55 | ||
| EV/EBITDA | N/A |
EPS(TTM)11.02
EY4.47%
EPS(NY)14.49
Fwd EY5.87%
FCF(TTM)13.69
FCFY5.55%
OCF(TTM)14.75
OCFY5.98%
SpS97.68
BVpS44.31
TBVpS28.88
PEG (NY)0.81
PEG (5Y)123.87
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.76% | ||
| ROE | 29.23% | ||
| ROCE | 3.56% | ||
| ROIC | 2.67% | ||
| ROICexc | 2.77% | ||
| ROICexgc | 5.92% | ||
| OM | 12.49% | ||
| PM (TTM) | 13.26% | ||
| GM | N/A | ||
| FCFM | 14.02% |
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 Turnover0.28
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.24 | ||
| Debt/FCF | 0.78 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | 1.09% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | N/A | ||
| Profit Quality | 105.7% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score7
WACC8.36%
ROIC/WACC0.32
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)48.12%
EPS 3Y-11.17%
EPS 5Y0.18%
EPS Q2Q%63.52%
EPS Next Y27.49%
EPS Next 2Y20.33%
EPS Next 3Y14.9%
EPS Next 5Y8.95%
Revenue 1Y (TTM)33.4%
Revenue growth 3Y5.89%
Revenue growth 5Y6.3%
Sales Q2Q%5.82%
Revenue Next Year6.8%
Revenue Next 2Y6.47%
Revenue Next 3Y6.36%
Revenue Next 5Y3.75%
EBIT growth 1Y181.86%
EBIT growth 3Y-14.76%
EBIT growth 5Y-5.98%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y25.22%
FCF growth 3Y-16.85%
FCF growth 5YN/A
OCF growth 1Y20.83%
OCF growth 3Y-16.08%
OCF growth 5YN/A