Gjensidige Forsikring ASA GJNSY

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Price alert · GJNSY

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28.36 USD -0.11 -0.40%

At close · Oct 30

28.47 Day range 28.47
23.73 52-week range 31.75
YTD
-4.88%
1 year
+4.21%
Open
28.47
Prev close
28.47
Mkt cap
14.18B
Vol
518
Avg vol
1.38K
EPS
1.43
P/E
19.83
More statistics
Low
28.47
High
28.47

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Financial health

Altman Z-Score

0.86 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

5 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

A-4 / 5 overall

  • DCF 4
  • Return on Equity 5
  • Return on Assets 5
  • Debt / Equity 3
  • P/E 2
  • P/B 1

Valuation

P/E 23.4×
FY 2016: 14.7×FY 2017: 16.9×FY 2018: 18.1×FY 2019: 13.6×FY 2020: 20.2×FY 2021: 15.3×FY 2022: 27.3×FY 2023: 22.3×FY 2024: 20.6×FY 2025: 23.4×
FY 2016 5y median 22.3× FY 2025
P/S 3.4×
FY 2016: 2.5×FY 2017: 2.8×FY 2018: 2.6×FY 2019: 3.1×FY 2020: 3.4×FY 2021: 3.5×FY 2022: 3.2×FY 2023: 2.4×FY 2024: 2.5×FY 2025: 3.4×
FY 2016 5y median 3.2× FY 2025
P/B 5.4×
FY 2016: 3.1×FY 2017: 3.2×FY 2018: 2.8×FY 2019: 3.4×FY 2020: 4.0×FY 2021: 4.3×FY 2022: 3.6×FY 2023: 3.7×FY 2024: 4.0×FY 2025: 5.4×
FY 2016 5y median 4.0× FY 2025
P/FCF 26.0×
FY 2016: 15.2×FY 2017: 18.2×FY 2018: 20.3×FY 2019: -53.4×FY 2020: 14.6×FY 2021: 16.9×FY 2022: 22.6×FY 2023: 22.1×FY 2024: 27.1×FY 2025: 26.0×
FY 2016 5y median 22.6× FY 2025
EV/EBITDA 18.2×
FY 2016: 12.4×FY 2017: 14.1×FY 2018: 13.8×FY 2019: 10.2×FY 2020: 13.8×FY 2021: 11.5×FY 2022: 21.2×FY 2023: 14.9×FY 2024: 15.3×FY 2025: 18.2×
FY 2016 5y median 15.3× FY 2025
EV/Sales 3.5×
FY 2016: 3.2×FY 2017: 3.6×FY 2018: 2.6×FY 2019: 3.1×FY 2020: 3.4×FY 2021: 3.5×FY 2022: 3.2×FY 2023: 2.5×FY 2024: 2.6×FY 2025: 3.5×
FY 2016 5y median 3.2× FY 2025
FCF Yield 3.8%
FY 2016: 6.6%FY 2017: 5.5%FY 2018: 4.9%FY 2019: -1.9%FY 2020: 6.8%FY 2021: 5.9%FY 2022: 4.4%FY 2023: 4.5%FY 2024: 3.7%FY 2025: 3.8%
FY 2016 5y median 4.4% FY 2025

Profitability

Gross Margin 100.0%
FY 2016: 100.0%FY 2017: 100.0%FY 2018: 100.0%FY 2019: 100.0%FY 2020: 100.0%FY 2021: 100.0%FY 2022: 100.0%FY 2023: 100.0%FY 2024: 100.0%FY 2025: 100.0%
FY 2016 5y median 100.0% FY 2025
Operating Margin 19.0%
FY 2016: 22.3%FY 2017: 19.2%FY 2018: 16.7%FY 2019: 26.5%FY 2020: 21.7%FY 2021: 27.8%FY 2022: 14.5%FY 2023: 14.9%FY 2024: 16.9%FY 2025: 19.0%
FY 2016 5y median 16.9% FY 2025
Net Margin 14.7%
FY 2016: 17.0%FY 2017: 16.7%FY 2018: 14.6%FY 2019: 22.5%FY 2020: 16.9%FY 2021: 22.6%FY 2022: 11.6%FY 2023: 11.2%FY 2024: 12.7%FY 2025: 14.7%
FY 2016 5y median 12.7% FY 2025
ROE 23.2%
FY 2016: 20.9%FY 2017: 19.1%FY 2018: 15.6%FY 2019: 25.2%FY 2020: 19.6%FY 2021: 28.3%FY 2022: 13.3%FY 2023: 17.1%FY 2024: 19.8%FY 2025: 23.2%
FY 2016 5y median 19.8% FY 2025
ROIC 3.4%
FY 2016: 9.7%FY 2017: 8.4%FY 2018: 8.1%FY 2019: 13.3%FY 2020: 10.0%FY 2021: 15.0%FY 2022: 6.6%FY 2023: 1.9%FY 2024: 3.0%FY 2025: 3.4%
FY 2016 5y median 3.4% FY 2025
ROA 3.4%
FY 2016: 3.4%FY 2017: 3.0%FY 2018: 2.4%FY 2019: 5.9%FY 2020: 4.2%FY 2021: 5.5%FY 2022: 2.5%FY 2023: 2.8%FY 2024: 3.0%FY 2025: 3.4%
FY 2016 5y median 3.0% FY 2025

Growth (YoY)

Revenue 10.7%
FY 2016: 7.5%FY 2017: -1.4%FY 2018: -5.8%FY 2019: 14.6%FY 2020: -0.0%FY 2021: 8.3%FY 2022: -6.3%FY 2023: 24.7%FY 2024: 9.1%FY 2025: 10.7%
FY 2016 FY 2025
Operating Income 24.5%
FY 2016: 21.6%FY 2017: -15.0%FY 2018: -18.2%FY 2019: 81.8%FY 2020: -18.2%FY 2021: 38.8%FY 2022: -50.9%FY 2023: 27.5%FY 2024: 24.0%FY 2025: 24.5%
FY 2016 FY 2025
EPS (diluted) 28.2%
FY 2016: 23.4%FY 2017: -3.2%FY 2018: -17.8%FY 2019: 77.4%FY 2020: -24.8%FY 2021: 44.1%FY 2022: -51.9%FY 2023: 18.0%FY 2024: 23.4%FY 2025: 28.2%
FY 2016 FY 2025
Free Cash Flow 55.7%
FY 2016: 21.0%FY 2017: -7.2%FY 2018: -20.9%FY 2019: -150.5%FY 2020: 507.5%FY 2021: -4.8%FY 2022: -36.2%FY 2023: -1.4%FY 2024: -7.3%FY 2025: 55.7%
FY 2016 FY 2025

Financial Health

Current Ratio 6.6×
FY 2016: 2.7×FY 2017: 1.9×FY 2018: 1.7×FY 2019: 2.6×FY 2020: 2.8×FY 2021: 1.7×FY 2022: 2.3×FY 2023: 0.0×FY 2024: 0.0×FY 2025: 6.6×
FY 2016 5y median 1.7× FY 2025
Quick Ratio 6.6×
FY 2016: 2.7×FY 2017: 1.9×FY 2018: 1.7×FY 2019: 2.6×FY 2020: 2.8×FY 2021: 1.7×FY 2022: 2.3×FY 2023: 0.0×FY 2024: 0.0×FY 2025: 6.6×
FY 2016 5y median 1.7× FY 2025
Debt / Equity 0.2×
FY 2016: 1.0×FY 2017: 1.1×FY 2018: 0.1×FY 2019: 0.1×FY 2020: 0.1×FY 2021: 0.1×FY 2022: 0.1×FY 2023: 0.2×FY 2024: 0.2×FY 2025: 0.2×
FY 2016 5y median 0.2× FY 2025
Net Debt / EBITDA 0.1×
FY 2016: 2.7×FY 2017: 3.2×FY 2018: -0.2×FY 2019: 0.0×FY 2020: -0.0×FY 2021: 0.1×FY 2022: 0.1×FY 2023: 0.2×FY 2024: 0.3×FY 2025: 0.1×
FY 2016 5y median 0.1× FY 2025
Interest Coverage 0.0×
FY 2016: 9.0×FY 2017: 8.0×FY 2018: 0.0×FY 2019: 33.9×FY 2020: 29.3×FY 2021: 32.7×FY 2022: 0.0×FY 2023: 0.0×FY 2024: 0.0×FY 2025: 0.0×
FY 2016 5y median 0.0× FY 2025

Dividends

Dividend Yield 3.2%
FY 2016: 8.9%FY 2017: 4.5%FY 2018: 5.3%FY 2019: 4.0%FY 2020: 6.1%FY 2021: 6.3%FY 2022: 4.1%FY 2023: 4.6%FY 2024: 4.3%FY 2025: 3.2%
FY 2016 5y median 4.3% FY 2025
Payout Ratio 74.0%
FY 2016: 131.5%FY 2017: 76.5%FY 2018: 95.5%FY 2019: 53.8%FY 2020: 123.6%FY 2021: 96.6%FY 2022: 112.0%FY 2023: 99.8%FY 2024: 85.1%FY 2025: 74.0%
FY 2016 5y median 96.6% FY 2025

Annual · latest fiscal year ends 2025-12-31