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Gjensidige Forsikring ASA

Gjensidige Forsikring ASA

GJNSF
Gjensidige Forsikring ASAUS flagOther OTC
17.52
USD
- -
- -
8.76BMarket Cap
Gjensidige Forsikring ASA
GJNSF
(Other OTC)

Recent

price

17.52

P/E

ratio

- -

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
43.08
42.65
44.27
46.47
50.77
51.16
55.01
54.23
51.07
58.51
58.48
63.34
59.37
74.03
81.17
89.88
84.96
Revenue per Share
5.9
5.5
8.56
7.34
8.38
7.58
9.34
9.05
7.44
13.19
9.91
14.28
6.88
8.26
10.28
13.11
12.81
Basic EPS, GAAP
7.69
5.32
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Free Cash Flow per Basic Share
3.36
4.7
4.55
6.85
16.7
5.9
12.28
6.92
7.1
7.1
12.25
13.8
7.7
8.25
8.75
10
9.76
Dividend per Share
2
2
2
2
2
2
2
2
2
2
2
2
2
2
2
2
1.95
Book Value per Share
38.42
39.31
44.46
45.18
35.43
37.53
35.65
37.35
37.96
43.03
40.76
37.49
32.72
32.19
36.46
41.1
31.68
Tangible Book Value per Share
500
500
500
500
500
500
500
500
500
500
500
500
500
500
500
500
512
Basic Weighted Avg Shares
21,539
21,326
22,132
23,230
25,382
25,579
27,503
27,112
25,533
29,253
29,240
31,667
29,684
37,014
40,584
44,936
43,513
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
254
182
127
162
170
210
254
261
265
256
182
118
141
- -
- -
- -
- -
Depreciation Expense
2,950
2,748
4,280
3,671
4,190
3,789
4,670
4,523
3,718
6,594
4,954
7,141
3,438
4,131
5,140
6,556
6,560
Net Income, GAAP
9.33
24.66
24.03
19.75
22.41
25.05
24.01
22.17
20.72
15.45
21.88
18.85
20.38
25.77
24.07
24.46
24.17
Effective Tax Rate (%)
13.7
12.89
19.34
15.8
16.51
14.81
16.98
16.68
14.56
22.54
16.94
22.55
11.58
11.16
12.67
14.59
15.08
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
5,255
5,263
5,356
9,772
11,747
19,352
21,543
25,031
1,498
2,624
2,515
3,667
3,784
4,362
5,412
5,280
5,346
LT Debt
23,138
23,229
25,618
26,288
21,657
23,331
22,326
23,703
23,845
26,192
25,284
24,430
23,960
24,235
26,016
28,310
24,726
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
22.79
50.52
74.76
49.01
40.68
25.85
24.18
20.71
26.05
221.69
143.49
179.86
72.74
81.39
87.22
103.22
107.4
Return on Capital (%)
37.53
274.82
428.05
367.1
419
378.92
467.09
452.33
371.78
659.4
495.38
714.15
343.81
413.16
514.1
655.64
656.02
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Dec'24
Mar'25
Jun'25
ST Debt
- -
- -
- -
LT Borrowings
4,092
4,092
4,093
LT Finance Leases
1,321
1,281
1,253
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
500
500
500
Market Capitalization
102,560
94,705
90,647

Working Capital

FRC

•

in mil. unless spec.
Dec'24
Mar'25
Jun'25
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
3,686
5,989
4,098
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
33
17
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
2.08%
2.4%
8.82%
Free Cash Flow
- -
- -
- -
Net Income, GAAP
11.92%
12.89%
27.54%
Sales/Revenue/Turnover
6.19%
9.42%
10.73%
Total Cash Common Dividend
- -
-0.81%
14.29%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
9,327
9,794
11,314
9,930
40,584
2025
10,501
11,769
10,791
- -
44,936
2026
11,044
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
1.59
2.72
3.32
2.38
10.28
2025
2.6
4.53
2.58
- -
13.11
2026
3.36
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
8.75
2025
9.44
0.29
- -
- -
10
2026
- -
- -
- -
- -
- -
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Gjensidige Forsikring ASA (GJNSY)
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Business
Gjensidige Forsikring ASA, a leading Nordic non-life insurance provider listed on the Oslo Stock Exchange (OSE: GJF), offers a comprehensive range of general insurance products to private and commercial customers, including vehicle, property, home, vacation home, personal property, boat, valuables, accident, health, travel, pet, student, and agriculture insurance; it also provides pension and savings plans in Norway alongside tailored business solutions for sectors such as agriculture and the public sector. The company operates through segments encompassing general insurance private, general insurance commercial, general insurance Denmark, general insurance Sweden, general insurance Baltics, and pension, serving individuals, businesses, and institutions across Norway, Denmark, Sweden, Finland, Latvia, and other Baltic countries with approximately 4,664 employees and insurance revenue of NOK 38.4 billion in general insurance. Founded in 1816 and headquartered at Schweigaardsgate 21 in Oslo, Norway, Gjensidige maintains a strong market position in the Nordic region with total assets of NOK 171 billion as of 2024. In recent developments, Gjensidige agreed in March 2025 to acquire 100% of Buysure AS and its subsidiary Claims Handling AS for up to NOK 430 million to bolster its change-of-ownership insurance offerings, securing five-year agreements with real estate agents covering about 20% of private real estate transactions in Norway and anticipating NOK 500 million in annual insurance revenue from home seller insurance; the deal, expected to close in April 2025, integrates approximately 29 full-time equivalents and strengthens cross-selling opportunities while slightly reducing the solvency ratio by around 4 percentage points.

Company News

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