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  2. •

    Financial Services

  3. •

    Insurance - Diversified
Gjensidige Forsikring ASA

Gjensidige Forsikring ASA

GJNSY
Gjensidige Forsikring ASAUS flagOther OTC
27.25
USD
- -
- -
13.62BMarket Cap
Gjensidige Forsikring ASA
GJNSY
(Other OTC)

Recent

price

27.25

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
105,780
122,544
131,004

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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Business
Gjensidige Forsikring ASA operates as a leading Norwegian non-life insurance company, providing a comprehensive range of general insurance products including car, home, vacation home, personal property, boat, valuables, life, health, pet, travel, student abroad, youth, agriculture and business coverage; property insurance; accident and health insurance; pensions and savings plans in Norway; and mobility services through Flyt and REDGO. The company serves retail customers, businesses, public organizations and municipal bodies across Norway, Denmark, Sweden and the Baltic countries (Lithuania, Latvia, Estonia), with 36 branch offices in Norway and approximately 4,664 employees in six countries. Headquartered in Oslo at Schweigaards gate 21, Gjensidige traces its roots to 1816 and demutualized to list on the Oslo Stock Exchange in 2010, holding a 26% market share in the Norwegian insurance market. In March 2025, Gjensidige agreed to acquire 100% of Buysure AS and its subsidiary Claims Handling AS for up to NOK 430 million, securing five-year agreements with real estate agents covering 20% of private real estate transactions in Norway to strengthen change-of-ownership insurance products like home buyer and seller coverage, with expected annual insurance revenue of NOK 500 million and integration into the group by April 2025. The company maintains a 46% stake in Varsam Försäkring to dominate Swedish niche markets including home buyer/seller insurance and specialized risk management, alongside ongoing share buybacks under its savings scheme as of Q3 2025. Gjensidige, owned primarily by the Gjensidige Foundation with 62% of shares, reports NOK 38.4 billion in general insurance revenue and NOK 5.2 billion profit after tax, emphasizing digital claims processing, ESG integration and resilience amid climate and societal shifts.

Company News

APIChat

  • seekingalpha.com

    Gjensidige Forsikring ASA (GJNSY) Discusses Q1 Preclose Update Including Weather Impact, Dividend Proposal, and Baltic Operations Sale Transcript

  • seekingalpha.com

    Gjensidige Forsikring ASA (GJNSY) Q4 2025 Earnings Call Transcript

  • seekingalpha.com

    Gjensidige Forsikring ASA (GJNSY) Discusses Q4 Pre-Close Update With Storm Amy Impact and Seasonal Claims Overview Transcript

  • seekingalpha.com

    Gjensidige Forsikring ASA (GJNSY) Q3 2025 Earnings Call Transcript

  • seekingalpha.com

    Gjensidige Forsikring ASA (GJNSF) Q2 2025 Earnings Call Transcript

  • seekingalpha.com

    Gjensidige Forsikring ASA (GJNSF) Q1 2025 Earnings Call Transcript

  • seekingalpha.com

    Gjensidige Forsikring ASA (GJNSF) Q3 2024 Earnings Call Transcript

  • seekingalpha.com

    Gjensidige Forsikring ASA (GJNSF) Q1 2024 Earnings Call Transcript

  • seekingalpha.com

    Gjensidige Forsikring ASA (GJNSF) Q3 2023 Earnings Call Transcript

  • seekingalpha.com

    Gjensidige Forsikring ASA (GJNSF) Q2 2023 Earnings Call Transcript