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Gjensidige Forsikring

OSL:GJF · NO0010582521
InsuranceMedium

360

78
EV / EBIT29
Price / Owner Earnings23
Owner Earnings Yield61
Dividend Yield75
Price/Sales12
EV / Gross Profit32
Price/Book9
Returns on capital98
Profit margins65
Cash Conversion27
Accruals67
Owner Earnings Margin81
Sales growth53
Profit Growth61
Long-Term EPS Growth92
Owner Earnings Growth60
Reinvestment94
Price momentum45
Debt load71
Debt serviceability82
Liquidity96
Analyst ratings28
Opinion Changes57
Price Target Upside77
Market mood35
Value Creation18/20strong value creator
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

Gjensidige Forsikring generates returns well above its cost of capital, the foundation of durable shareholder value.

Profile

CountryNorway
IndustryInsurance
SizeMedium
TypePublic Company
ExchangeOB
Founded2010
Employees3,231
Websitegjensidige.no
ISINNO0010582521
Last UpdateApr 2, 2026
Indices
OBX Index (Norway)
Themes
BankingHealth CareInsuranceReal Estate

Description

Analysis

Beloved champion

Gjensidige Forsikring ASA is a beloved champion: its quality is genuine, and the market already prices it as exceptional.

The price is fair. You pay 18.4× its owner earnings: the cash an owner could take out each year, which is in the historically fair zone. At today's price, the market is assuming roughly 5% yearly growth; analysts expect 15%. The price, in other words, assumes less than the experts do.

The trajectory is solid and the balance sheet is adequate. The company scores 18/20 on our value-creation score: strong value creator. Analysts lean positive.

What to watch: Reported profits have run ahead of actual cash for several periods. As always: this describes the company's numbers; it is not a recommendation.

360° rank · history

1007550250
49
2023202420252026

All-time high

76

Feb 2026

All-time low

15

Jan 2023

Average rank

23

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
12
9
12
9
Price/Earnings
24
13
11
9
Price/Book
9
5
3
5
Dividend Yield
75
36
38
38
Value (overall)
18
8
11
9

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →