Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
GJF.OL
HOLDGjensidige Forsikring ASA · Financial Services · Norway · $13.4B · Avg Vol: $8M/d
COMPANY DESCRIPTION
Gjensidige Forsikring ASA is the leading non-life insurance provider in Norway, with a strong presence across the wider Nordic and Baltic regions. The company's competitive moat is its dominant domestic market share, superior underwriting discipline, and unique customer dividend model supported by the Gjensidige Foundation. It is a highly profitable, market-leading financial institution known for its exceptional capital efficiency and consistent dividend payouts.
FINANCIAL SUMMARY (USD)
| Year | 2022 | 2023 | 2024 | 2025 | CAGR | TTM | 2026E | 2027E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 3.0B | 3.7B | 4.1B | 4.5B | 14.8% | 4.8B | 4.8B | 5.1B | 5.8% |
| EPS | 0.68 | 0.82 | 1.01 | 1.29 | 23.7% | 1.29 | 1.60 | 1.77 | 17.1% |
| Shares | 500.0M | 500.0M | 499.9M | 500.0M | +0.0% | — | — | — | — |
| Debt | 381.4M | 439.7M | 545.5M | 532.3M | 11.7% | 539.6M | — | — | — |
| Equity | 2.4B | 2.4B | 2.6B | 2.9B | 5.7% | — | — | — | — |
| Op CF | 228.0M | 489.9M | 426.5M | 647.7M | 41.6% | 777.5M | — | — | — |
| Inv CF | 277.5M | -103.7M | -45.1M | -72.6M | — | — | — | — | — |
| Fin CF | -421.0M | -411.3M | -302.3M | -502.4M | — | — | — | — | — |
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of GJF.OL are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| GJF.OL | Gjensidige Forsikring ASA(you) | $13.4B | 39 | HOLD |
| 0IZM.L | ABG Sundal Collier Holding ASA | $4.2B | 42 | HOLD |
| PROT.OL | Protector Forsikring ASA | $4.0B | 46 | HOLD |
| SB1NO.OL | SpareBank 1 Sør-Norge ASA | $7.3B | 68 | BUY |
| DNB.OL | DNB Bank ASA | $42.4B | 68 | BUY |
| STB.OL | Storebrand ASA | $7.7B | 82 | STRONG BUY |
| SPOL.OL | SpareBank 1 Østlandet | $2.6B | 65 | BUY |
| MING.OL | SpareBank 1 SMN | $2.8B | 67 | BUY |
| PARB.OL | Pareto Bank ASA | $534M | 41 | HOLD |
| SBNOR.OL | Sparebanken Norge | $3.2B | 78 | BUY |
Peer medians: ROE 11.8% · P/E 10.6x · Gross margin 99.2%