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Gjensidige Forsikring ASA (GJF.OL)
NOK275.00
-7.40 (-2.62%)
NO OSL Financial Services Insurance - Diversified
Address
Schweigaardsgate 21 191
Oslo, NO
Oslo, NO
CEO
Geir Holmgren
Website
gjensidige.no
IPO
2010-12-10
ISIN NO0010582521
Also trades on
Oslo Stock Exchange · GJF.OL (NOK)
Other OTC · GJNSF (USD)
Other OTC · GJNSY (USD)
Description
Gjensidige Forsikring ASA offers a comprehensive suite of general insurance and pension solutions across Norway, Sweden, Denmark, Latvia, Lithuania, and Estonia. The firm organizes its operations into six primary divisions: General Insurance for private clients, General Insurance for commercial entities, dedicated General Insurance units for Denmark and Sweden, a General Insurance division covering the Baltics, and a specific Pension segment. Its extensive product range spans motor, home, accident and health, travel, leisure craft, boat, valuables, liability, commercial, marine/transport, agriculture, natural perils, life, and pet insurance policies. Additionally, Gjensidige provides defined contribution occupational pension plans for businesses, which often include provisions for disability, spousal/cohabitant, and children's pensions. These offerings reach both individual and corporate customers through diverse distribution channels, including physical offices, call centers, online platforms, strategic partners, and independent brokers. Established in 1816, the company's main corporate office is situated in Oslo, Norway.
Market Cap & Enterprise Value
Merger & Acquisition History
No mergers or acquisitions recorded for this company.
Technical Outlook
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Signal Summary
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| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
NOK275.00
-7.40 (-2.62%)
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Volume Profile
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Liquidity & share structure
Average Volume
367.0K
Beta
0.19
Float Shares
188.96M
Free Float %
37.8%
Price Performance
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| -0.78% | -1.54% | -1.62% | -4.84% | -9.82% | -15.37% | -1.16% | +38.96% | +36.80% | +78.10% | +334.72% |
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From
To
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Annual Monthly Returns
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Daily Returns Distribution
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Revenue flow
Revenue by geography
Revenue by segment
From
To
Revenue composition
From
To
By product
By geography
Financial Statements
Select metrics from the tables below to build your comparison.
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
Price Targets & DCF
Current price
275.00
DCF (Unlevered)
477.28
+73.6%
DCF (Levered)
576.94
+109.8%
DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.
Ratings Trend (MoM)
53% Bullish
| Rating | 2026-05 | Change |
|---|---|---|
| Strong Buy | 2 | 0 |
| Buy | 6 | 0 |
| Hold | 5 | 0 |
| Sell | 0 | 0 |
| Strong Sell | 2 | 0 |
Quality scores
Altman Z-Score
0.95
Distress
Piotroski F-Score
5 / 9
Average
MOAT Score
6 / 10
Developing
Composite Rating
A-
Overall Score
4 / 5
High
DCF Score
5 / 5
High
ROE Score
5 / 5
High
ROA Score
5 / 5
High
D/E Score
3 / 5
Medium
P/E Score
2 / 5
Medium
P/Book Score
1 / 5
Low
Operational MOAT
✗ Below peers
-
Revenue growth Insurance - Diversified: +15.2%+10.7% Q2'26: +7.1% (vs Q2'25)
-
EPS growth Insurance - Diversified: +25.3%+29.7% ★ Q2'26: -3.1% (vs Q2'25)
-
FCF margin FCF growth · Insurance - Diversified: +30.2%+14.4% Q2'26: +6.0% (vs Q2'25)
-
EBIT margin Insurance - Diversified: +13.5%+19.0% ★ Q2'26: +22.1% (vs Q2'25)
-
ROIC Insurance - Diversified: +4.2%+22.0% ★ Q2'26: +35.1% (vs Q2'25)
-
Share dilution Insurance - Diversified: +0.0%+1.0% Q2'26: -4.7% (vs Q2'25)
-
Debt / EBITDA Net debt/EBITDA · Insurance - Diversified: -0.05×0.62× Q2'26: 0.66× (vs Q2'25)
Valuation Multiples
From
To
Price Forecast (3Y)
From
To
Theoretical Return — If Invested Today
* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.
Consensus Estimates
| Metric |
Dec 2010 actual |
Dec 2011 actual |
Dec 2012 actual |
Dec 2013 actual |
Dec 2014 actual |
Dec 2015 actual |
Dec 2016 actual |
Dec 2017 actual |
Dec 2018 actual |
Dec 2019 actual |
Dec 2020 actual |
Dec 2021 actual |
Dec 2022 actual |
Dec 2023 actual |
Dec 2024 actual |
Dec 2025 actual |
Dec 2026 9 Rev. Ana. 8 EPS Ana. |
Dec 2027 9 Rev. Ana. 13 EPS Ana. |
Dec 2028 9 Rev. Ana. 13 EPS Ana. |
Dec 2029 4 Rev. Ana. 11 EPS Ana. |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue |
21.54B
est: 19.14B (+12.5%)
|
21.33B
est: 19.28B (+10.6%)
|
22.13B
est: 18.33B (+20.7%)
|
23.23B
est: 18.96B (+22.5%)
|
25.38B
est: 20.53B (+23.6%)
|
25.58B
est: 21.31B (+20.0%)
|
27.50B
est: 22.57B (+21.9%)
|
27.11B
est: 23.93B (+13.3%)
|
25.53B
est: 24.09B (+6.0%)
|
29.25B
est: 25.01B (+17.0%)
|
29.24B
est: 27.16B (+7.7%)
|
31.67B
est: 29.11B (+8.8%)
|
29.68B
est: 31.37B (-5.4%)
|
37.01B
est: 41.84B (-11.5%)
|
40.36B
est: 39.36B (+2.6%)
|
44.69B
est: 42.84B (+4.3%)
|
46.07B
45.27B – 47.30B
+7.6% YoY
|
48.61B
47.40B – 50.70B
+5.5% YoY
|
51.04B
50.98B – 51.10B
+5.0% YoY
|
54.47B
53.31B – 56.38B
+6.7% YoY
|
| EBITDA |
3.51B
est: 3.78B (-7.3%)
|
4.38B
est: 3.36B (+30.2%)
|
6.34B
est: 3.47B (+82.7%)
|
5.39B
est: 5.68B (-5.2%)
|
6.34B
est: 4.86B (+30.5%)
|
5.91B
est: 5.68B (+4.0%)
|
7.07B
est: 5.35B (+32.3%)
|
6.74B
est: 6.51B (+3.5%)
|
4.53B
est: 5.70B (-20.6%)
|
8.24B
est: 4.73B (+74.3%)
|
6.74B
est: 8.43B (-20.0%)
|
9.19B
est: 8.70B (+5.6%)
|
4.46B
est: 8.86B (-49.6%)
|
6.16B
est: 8.13B (-24.2%)
|
6.82B
est: 9.21B (-25.9%)
|
8.73B
est: 8.32B (+4.9%)
|
8.95B
8.79B – 9.19B
+7.6% YoY
|
9.44B
9.21B – 9.85B
+5.5% YoY
|
9.92B
9.90B – 9.93B
+5.0% YoY
|
10.58B
10.36B – 10.95B
+6.7% YoY
|
| EBIT |
3.25B
est: 3.73B (-12.7%)
|
4.20B
est: 3.36B (+24.8%)
|
6.21B
est: 3.47B (+79.0%)
|
5.23B
est: 5.68B (-8.0%)
|
6.17B
est: 4.86B (+27.0%)
|
5.70B
est: 5.68B (+0.3%)
|
6.82B
est: 5.34B (+27.7%)
|
6.48B
est: 6.51B (-0.4%)
|
4.27B
est: 5.24B (-18.6%)
|
7.98B
est: 4.38B (+82.2%)
|
6.56B
est: 8.39B (-21.8%)
|
9.07B
est: 8.66B (+4.7%)
|
4.32B
est: 8.81B (-51.0%)
|
5.50B
est: 7.86B (-30.0%)
|
6.82B
est: 7.41B (-7.9%)
|
8.50B
est: 8.05B (+5.5%)
|
8.66B
8.51B – 8.89B
+7.6% YoY
|
9.14B
8.91B – 9.53B
+5.5% YoY
|
9.59B
9.58B – 9.60B
+5.0% YoY
|
10.24B
10.02B – 10.60B
+6.7% YoY
|
| Net Income |
2.95B
est: 2.54B (+16.2%)
|
2.75B
est: 3.05B (-9.9%)
|
4.28B
est: 2.61B (+63.8%)
|
3.67B
est: 4.32B (-15.0%)
|
4.19B
est: 3.90B (+7.5%)
|
3.79B
est: 4.41B (-14.1%)
|
4.67B
est: 4.01B (+16.5%)
|
4.52B
est: 4.95B (-8.6%)
|
3.72B
est: 4.54B (-18.1%)
|
6.59B
est: 3.82B (+72.7%)
|
4.95B
est: 7.13B (-30.5%)
|
7.14B
est: 7.36B (-3.0%)
|
3.44B
est: 7.49B (-54.1%)
|
4.13B
est: 4.08B (+1.2%)
|
5.14B
est: 6.33B (-18.8%)
|
6.56B
est: 6.92B (-5.2%)
|
7.67B
7.46B – 8.07B
+10.9% YoY
|
8.61B
8.08B – 9.33B
+12.2% YoY
|
9.07B
8.52B – 9.93B
+5.4% YoY
|
8.92B
8.67B – 9.33B
-1.7% YoY
|
| SGA |
—
|
—
|
—
|
—
|
—
|
—
|
—
|
—
|
—
|
—
|
—
|
—
|
—
|
—
|
—
|
—
|
—
— – —
|
—
— – —
|
—
— – —
|
—
— – —
|
| EPS |
5.90
est: 5.08 (+16.2%)
|
5.50
est: 5.95 (-7.5%)
|
8.56
est: 8.26 (+3.6%)
|
7.34
est: 7.51 (-2.3%)
|
8.38
est: 8.03 (+4.4%)
|
7.57
est: 7.51 (+0.8%)
|
9.34
est: 9.26 (+0.9%)
|
9.05
est: 9.11 (-0.7%)
|
7.44
est: 6.03 (+23.3%)
|
13.19
est: 9.35 (+41.1%)
|
9.91
est: 8.83 (+12.3%)
|
14.28
est: 12.73 (+12.2%)
|
6.78
est: 9.48 (-28.5%)
|
8.11
est: 8.13 (-0.2%)
|
10.01
est: 9.53 (+5.1%)
|
12.98
est: 13.57 (-4.4%)
|
15.38
14.78 – 15.98
+13.3% YoY
|
16.97
15.99 – 18.47
+10.3% YoY
|
17.97
16.87 – 19.66
+5.9% YoY
|
17.66
17.17 – 18.46
-1.7% YoY
|
Historical Ratings (3M)
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-29 | A- | 4/5 | 5/5 | 5/5 | 5/5 | 3/5 | 2/5 | 1/5 |
| 2026-05-28 | A- | 4/5 | 5/5 | 5/5 | 5/5 | 3/5 | 2/5 | 1/5 |
| 2026-05-27 | A- | 4/5 | 5/5 | 5/5 | 5/5 | 3/5 | 2/5 | 1/5 |
| 2026-05-26 | A- | 4/5 | 5/5 | 5/5 | 5/5 | 3/5 | 2/5 | 1/5 |
| 2026-05-22 | A- | 4/5 | 5/5 | 5/5 | 5/5 | 3/5 | 2/5 | 1/5 |
| 2026-05-21 | A- | 4/5 | 5/5 | 5/5 | 5/5 | 3/5 | 2/5 | 1/5 |
| 2026-05-20 | A- | 4/5 | 5/5 | 5/5 | 5/5 | 3/5 | 2/5 | 1/5 |
| 2026-05-19 | A- | 4/5 | 5/5 | 5/5 | 5/5 | 3/5 | 2/5 | 1/5 |
| 2026-05-18 | A- | 4/5 | 5/5 | 5/5 | 5/5 | 3/5 | 2/5 | 1/5 |
| 2026-05-15 | A- | 4/5 | 5/5 | 5/5 | 5/5 | 3/5 | 2/5 | 1/5 |
| 2026-05-13 | A- | 4/5 | 5/5 | 5/5 | 5/5 | 3/5 | 2/5 | 1/5 |
| 2026-05-12 | A- | 4/5 | 5/5 | 5/5 | 5/5 | 3/5 | 2/5 | 1/5 |
| 2026-05-11 | A- | 4/5 | 5/5 | 5/5 | 5/5 | 3/5 | 2/5 | 1/5 |
| 2026-05-08 | A- | 4/5 | 5/5 | 5/5 | 5/5 | 3/5 | 2/5 | 1/5 |
| 2026-05-07 | A- | 4/5 | 5/5 | 5/5 | 5/5 | 3/5 | 2/5 | 1/5 |
| 2026-05-06 | A- | 4/5 | 5/5 | 5/5 | 5/5 | 3/5 | 2/5 | 1/5 |
| 2026-05-05 | A- | 4/5 | 5/5 | 5/5 | 5/5 | 3/5 | 2/5 | 1/5 |
| 2026-05-04 | A- | 4/5 | 5/5 | 5/5 | 5/5 | 3/5 | 2/5 | 1/5 |
| 2026-04-30 | A- | 4/5 | 5/5 | 5/5 | 5/5 | 2/5 | 2/5 | 1/5 |
| 2026-04-29 | B+ | 3/5 | 5/5 | 5/5 | 5/5 | 2/5 | 1/5 | 1/5 |
| 2026-04-28 | B+ | 3/5 | 5/5 | 5/5 | 5/5 | 2/5 | 1/5 | 1/5 |
| 2026-04-27 | B+ | 3/5 | 5/5 | 5/5 | 5/5 | 2/5 | 1/5 | 1/5 |
| 2026-04-24 | B+ | 3/5 | 5/5 | 5/5 | 5/5 | 2/5 | 1/5 | 1/5 |
| 2026-04-23 | A- | 4/5 | 5/5 | 5/5 | 5/5 | 2/5 | 2/5 | 1/5 |
| 2026-04-22 | A- | 4/5 | 5/5 | 5/5 | 5/5 | 2/5 | 2/5 | 1/5 |
| 2026-04-21 | A- | 4/5 | 5/5 | 5/5 | 5/5 | 2/5 | 2/5 | 1/5 |
| 2026-04-20 | A- | 4/5 | 5/5 | 5/5 | 5/5 | 2/5 | 2/5 | 1/5 |
| 2026-04-17 | A- | 4/5 | 5/5 | 5/5 | 5/5 | 2/5 | 2/5 | 1/5 |
| 2026-04-16 | A- | 4/5 | 5/5 | 5/5 | 5/5 | 2/5 | 2/5 | 1/5 |
Owner Earnings
Owner's Earnings (history)
From
To
Owner alignment
Owner's Earnings TTM
5.45B
OE per share TTM
10.61
Owner's Yield
4.16%
Maintenance CapEx ratio
3.82%
Maint CapEx / Avg PPE
4.3%
Ownership Overview
Ownership breakdown
Ownership breakdown not available.
At a glance
Institutional holders
—
Total invested
—
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional ownership trend
Institutional history not available.
Top institutional holders
Top holders not available.
ETF Ownership
Top ETFs holding this stock
Held by 298 ETFs in our universe
| # | ETF | Weight | Est. AUM exposure | TER |
|---|---|---|---|---|
| 1 | Global X - MSCI Norway ETF NORW | 2.65% | 2.28M | 0.50% |
| 2 | iShares MSCI Norway ETF ENOR | 2.64% | 2.43M | 0.53% |
| 3 | Franklin European Quality Dividend UCITS ETF FLXD.L | 1.86% | 11.94M | 0.25% |
| 4 | iShares STOXX Europe Small 200 UCITS ETF (DE) EXSE.DE | 0.70% | 4.77M | 0.20% |
| 5 | iShares STOXX Europe 600 Insurance UCITS ETF (DE) EXH5.DE | 0.58% | 3.75M | 0.46% |
| 6 | Invesco STOXX Europe 600 Optimised Insurance UCITS ETF SC0Y.DE | 0.57% | 326.5K | 0.20% |
| 7 | iShares MSCI Europe Mid-Cap Equal Weight UCITS ETF IEFS.L | 0.46% | 175.3K | 0.25% |
| 8 | Amundi MSCI Europe Climate Paris Aligned UCITS ETF Acc LWCE.PA | 0.39% | 681.5K | 0.15% |
| 9 | UBS ETF (IE) MSCI World Climate AW10.SG | 0.39% | 446.5K | 0.27% |
| 10 | Amundi MSCI Nordic UCITS ETF - EUR (C) CN1G.DE | 0.37% | 1.32M | 0.25% |
Insider Activity
Insider Activity — Latest Quarter
No insider activity available.
Insider buys vs sells (history)
Insider history not available.
Recent insider transactions
No recent insider transactions.
Executive team
Top executives
EBIT / Employee
1.82M
Shares Outstanding
499.96M
Executive compensation
Executive compensation (annual)
Executive compensation not available.
CEO compensation breakdown
No CEO compensation history available.
Proxy statements
Proxy statements (DEF 14A)
No proxy statements available for this company yet.
Recent SEC filings
Recent SEC filings
No SEC filings available for this company yet.
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Geir Holmgren | Chief Executive Officer | 9M | male |
| Jostein Amdal | Executive Vice President & Chief Financial Officer | 6M | male |
| Lars Goran Bjerklund | Executive Vice President of Commercial | 6M | male |
| Vivi Kofoed | Executive Vice President of Claims | 5M | female |
| Rene Floystol | Executive Vice President of Private | 5M | male |
| Sverre Johan Rostoft | Executive Vice President of Technology & Insight | 4M | male |
| Berit Nilsen | Executive Vice President of Analytics, Product & Price | 4M | female |
| Siri Langangen | Executive Vice President of People & Communication | 4M | female |
| Catharina Elisabeth Hellerud | Chief Risk Officer | 3M | female |
| Mitra Hagen Negård | Head of Investor Relations | — | female |
ESG Score History
No data available for this company.
Senate Trading Activity
No Senate trading activity found for this company.
House Trading Activity
No House trading activity found for this company.
Market share among peers
Peer comparison — filtered group (TTM)
Your opinion
Share your view on this stock and instantly see how the community has voted over the last 6 months.
Community Opinion for GJF.OL
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.
