Gjensidige Forsikring ASA

OTC

GJNSF

Stock

Yield per half year: 0%
Dividend yield: 10.19%
Sector: Financials

Reporting Gjensidige Forsikring ASA

Capitalization

IFRS

Reporting Annual Quarterly

	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	LTM	5 year average	CAGR 5
Капитализация, млрд kr												7.94
Выручка, млрд kr			27.53	28.79	26.8	29.39	29.45	32.17	318.66	40.36	37.01	37.01	91.53	4.68
Чистая прибыль, млрд kr			4.67	4.52	3.72	6.59	4.95	7.14	44.44	5.14	4.13	4.13	13.16	-3.56
EV, млрд kr								102.6			100.12	100.12	101.36	-1.22
EBIT, млрд kr	0.6954	0.5993	6.14	5.22	4.27	7.98	6.56	9.07	59.94				17.56	69.61
EBITDA, млрд kr												7.77
Баланс стоимость, млрд kr			22.31	23.69	23.84	26.19	25.28	25.2	25.87	24.23	26.01	26.01	25.32	0.57
FCF, млрд kr				1.39	-2.3	-1.67	6.82	6.49	1.7	6.29	3.79	3.79	5.02	-11.09
Операционный денежный поток, млрд kr	0.4397	-0.7571	2.51	1.72	-1.89	-1.24	7.33	7.03	2.26				2.70	-203.64
Операционная прибыль, млрд kr	0.6954	0.5993	6.14	5.22	4.27	7.75							4.80	66.85
Операционные расходы, млрд kr			21.38	22.96	22.53	21.64	23.11	23.38	262	33.54	31.51	31.51	74.71	6.40
CAPEX, млрд kr			0.1107	0.3281	0.4036	0.4385	0.5132	0.5326	0.5651	0.8084	0.4197	0.4197	0.5678	-3.94

	2019Q1	2019Q2	2019Q3	2019Q4	2021Q1	2021Q2	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	5 quarters average	CAGR 5
Выручка, млрд kr											8.24	8.36	9.31	89.98	99.84	11.11	9.75	10.24	11.31	9.93	10.47	-2.22
Чистая прибыль, млрд kr											1.11	1.33	1.15	11.19	8.8	1.11	0.8215	1.39	1.7	1.23	1.25	2.07
EV, млрд kr																		81.9		100.12	91.01	10.57
EBIT, млрд kr					1.64	2.4	2.07	2.96	1.59	1.2	1.56	1.81		3.43	13.21						4.24	61.56
Баланс стоимость, млрд kr											25	25.87	21.54	243.27	246.89	24.23	21.77	22.92	24.91	26.01	23.97	1.43
FCF, млрд kr											-0.7654	1.14	4.85	4.52	-1.32	-0.9833	4.32	-0.6726	1.23	-1.08	0.5628	1.89
Операционный денежный поток, млрд kr						-2.12	0.9591	2.38	1.27	0.3409	-0.673	1.32	0.5477	5.87	1.18						1.65	-211.89
Операционная прибыль, млрд kr	3.03	1.72	1.27	1.73				2.37	1.27	0.3312	-0.6837	1.31	5.1								1.47	32.05
Операционные расходы, млрд kr											6.76	6.67	7.82	75.68	87.94	9.54	8.67	8.41	9.1	8.32	8.81	-2.70
CAPEX, млрд kr									0.1981	0.0982	0.0924	0.1764	0.1265	1.36	2.5	0.094	0.1832			0.2995	0.8873	-26.11

Cash flow Cash flow quarterly Assets

Balance sheet

IFRS

Reporting Annual Quarterly

	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	LTM	5 year average	CAGR 5
Наличность, млрд kr			2.16	2.69	2.36	2.42	2.86	2.35	3.2	2.99	3.69	3.69	3.02	5.23
Long term investments kr	4.39	0.4952	3.23	41.73	35.44	42.01	41.7	39.53	41.32	67.55			46.42	9.97
Total Receivables kr	0.6908	0.6475	6.57	6.91	7.87	8.29	7.7	8.22	9.16				8.25	3.08
Total Current Assets kr	1.17	5.63	48.14	49.34	101.22	50.31	50.1	55.01	54.99				62.33	-11.49
Чистые активы, млрд kr	0.0772	0.0384	0.3219	0.2901	0.2519	1.26	1.15	1.44	1.64				1.15	45.45
Активы, млрд kr			135.93	149.07	156.76	112.41	118.31	129.82	135.15	148.28	171.49	171.49	140.61	7.71
Short Term Debt kr	1.51												1.51	0.00
Long Term Debt kr			21.54	25.03	1.5	1.5	1.5	2.4	2.4	2.9	4.09	4.09	2.66	22.22
Задолженность, млрд kr			113.6	125.37	132.92	86.21	93.03	104.62	109.28	124.05	145.47	145.47	115.29	9.35
Чистый долг, млрд kr				22.35				0.048			0.4051	0.4051	7.60	-73.73
Долг, млрд kr	2.97											3.77	2.97	0.00
Interest income kr				2.67	1.03	0.9659	1.01	0.7468	0.7625	2.08			1.11	16.58
Расходы на обслуживание долга kr						0.2288	0.2167	0.2695					0.2383	5.61
Чист. проц. доходы, млрд kr				-0.6498		-0.2288	-0.2167	-0.2695					-0.3412	-19.75
Goodwill kr	0.3615	0.3817	3.14	3.56	3.58	3.55	3.77	3.95	5.29	5.66			4.44	9.78
Себестоимость, млрд kr	2.14	2	17.89	18.06	17.36	17.59							14.58	54.47

	2017Q1	2017Q2	2017Q3	2017Q4	2018Q1	2018Q3	2018Q4	2019Q1	2019Q2	2019Q3	2019Q4	2020Q3	2020Q4	2021Q1	2021Q2	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	5 quarters average	CAGR 5
Наличность, млрд kr																				2.38	3.2	3.95	44.56	46.47	2.99	8.47	3.25	4.31	3.69	4.54	4.30
Long term investments kr																43.85	39.53	41.66	39.81	41.77	41.32	57.32	57.56	64.59	67.55					57.67	10.33
Total Receivables kr													8.27	9.65	9.1	8.43	9.16	12.48	12.28	11.12	10.12			55.06						20.21	34.56
Total Current Assets kr														53.38	52.65	52.34	55.01	61.34	55.69	55.67	54.99		68.13	805.47						207.99	70.63
Чистые активы, млрд kr														1.22	1.55	1.44	1.44	1.52	1.47	1.43	1.64		19.21	18.38						8.43	65.73
Активы, млрд kr																				130.63	135.15	137.64	1 502.64	1 508.36	148.28	163.93	160.58	167.6	171.49	162.38	2.95
Short Term Debt kr	23.4	24.96	25.49	3.05																										19.22	-39.91
Long Term Debt kr																				2.4	2.4	2.4	25.7	30.83	2.9	3.43	3.43	3.43	4.09	3.46	7.12
Задолженность, млрд kr																				105.63	109.28	116.09	1 259.27	1 261.38	124.05	142.16	137.66	142.69	145.47	138.41	3.24
Чистый долг, млрд kr																	0.048			0.0189							0.1817		0.4051	0.1634	70.44
Долг, млрд kr	46.79	49.92	50.98	6.1																										38.45	-39.91
Interest income kr																0.2037	0.1631	0.1637	0.191	0.1892	0.2187	0.3225	0.3427	0.5431	0.8757					0.4605	31.98
Расходы на обслуживание долга kr												0.0374	0.0845	0.0421	0.0727	0.0478	0.107													0.0708	4.83
Чист. проц. доходы, млрд kr												-0.0374	-0.0845	-0.0421	-0.0727	-0.0478	-0.107													-0.0708	4.83
Goodwill kr																3.68	3.95	5.08	5.12	5.24	5.29	5.61	5.71	5.55	5.66					5.56	1.36
Себестоимость, млрд kr		4.54	4.79	0.6204	0.0508	0.5587	0.4153	4.87	4.89	5.09	2.74																			3.60	45.84

Share

IFRS

Reporting Annual Quarterly

	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	5 year average	CAGR 5
EPS	9.34	9.05	7.44	9.92	9.9	14.28	88.89	10.28	8.26		8.26	26.32	-3.56
Цена акции ао	15.91	18.5	15.8		21.25	23.22	19.99	16.44	17.52	17.52	17.52	18.94	-5.48
Число акций ао, млн				499.98	499.99	499.96	499.95	499.95	499.95		499.95	499.96	-0.00
FCF/акцию				-29.4	117.05	114.41	3.39	12.57	7.58		7.58	51.00	-42.16

	2021Q2	2021Q3	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	2025Q2	5 quarters average	CAGR 5
EPS				2.21	2.64	2.3	22.38	17.59	2.23	1.64	2.79	3.39	2.46			2.50	1.98
Цена акции ао	23.03	22.84	20.56	19.99		17	16.58	14.72	15.68					17.52	17.52	16.40	1.11
FCF/акцию							9.03	-2.64	-1.97	8.63	-1.35	2.46	-2.17			1.12	1.95

	5 quarters average	CAGR 5

Efficiency

IFRS

Reporting Annual Quarterly

	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
ROE, %			20.94	19.1	15.59	25.17	19.59	28.33	174.02	20.52	16.45		16.45	20.08	51.78	-3.43
ROA, %			3.44	3.03	2.37	5.87	4.19	5.5	33.55	3.63	2.58		2.58	5.08	9.89	-9.24
ROIC, %	27.99													7.36	27.99	0.00
ROS, %				15.71	13.87	22.43	16.82	22.2	13.95	12.74	11.16	11.16	11.16	30.06	14.24	-12.85
ROCE, %		21.7	27.51	22.01	17.89	30.48	25.94	35.98	76.05			0	0	11.82	37.27	33.57
Ebit margin, %						27.16	22.27	28.19	18.81			0	0		24.11	-8.77
Рентаб EBITDA, %												20.99	20.99	24.00	20.99	0.00
Чистая рентаб, %			16.97	15.71	13.87	22.43	16.82	22.2	13.95	12.74	11.16		11.16	30.06	15.37	-7.88
Operation Margin, %	21.3	19.86	22.31	18.12	15.91	26.38				0	0	0	0	26.93	20.52	5.84

	2017Q1	2017Q2	2017Q3	2017Q4	2018Q1	2018Q3	2018Q4	2019Q1	2019Q2	2019Q3	2019Q4	2021Q1	2021Q2	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q2	Industry average	5 quarters average	CAGR 5
ROE, %																		4.42	5.16	5.33	4.6	3.59	0.5215	0.515	1.31	3.31	5.19		20.08	2.17	58.34
ROA, %																		0.8459	0.9874	0.8337	0.7448	0.5842	0.1344	0.5262	0.8595	1.03	0.7244		5.08	0.6549	40.06
ROIC, %	1.67	6.29	1.86	1.44																									7.36	2.81	-3.64
ROS, %																			15.96	12.32	12.44	8.81	10.02	8.43	13.62	14.99	12.37	11.16	30.06	12.11	5.77
ROCE, %												7.24	9.77	8.27	11.73	7.08	5.08	6.25	7		1.41	1.02							11.82	4.15	-27.47
Ebit margin, %																						13.23								13.23	0.00
Рентаб EBITDA, %																												20.99	24.00	20.99	0.00
Чистая рентаб, %																		13.41	15.96	12.32	12.44	8.81	10.02	8.43	13.62	14.99	12.37		30.06	11.89	4.30
Operation Margin, %		21.36	22.96	16.9	10.22	13.76	26.26	34.13	22.62	17.27	31.25																		26.93	26.31	3.54

Coefficients

IFRS

Reporting Annual Quarterly

	2014	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
P/E		1.2	2.15	1.62	2.21	16.23	24.13		24.13	13.27	9.27	62.19
P/BV		0.3016	0.4221	0.4602	3.8	3.44	3.83		3.83	1.70	2.39	55.44
P/S		0.2687	0.3624	0.3606	0.3083	2.07	2.69		2.69	2.98	1.16	49.32
P/FCF						0	0	2.1	2.1	2.82	2.10	0.00
E/P						0.5995	0.5995	0.5204	0.5204	87.84	0.5731	-4.61
EV/EBIT				1.28			0	0	0		1.28	0.00
EV/S				0.3621		0.224	2.7	2.7	2.7	1.52	1.50	65.25
EV/FCF				1.79			26.42	26.42	26.42	1.51	18.21	145.30
Debt/EBITDA						0.4852	0.4852	0.4852	0.4852	-176.54	0.4852	0.00
Netdebt/Ebitda						0	0	0.0521	0.0521	208.99	0.0521	0.00
Debt/Ratio	0.2031					0	0	0.022	0.022	0.12	0.1125	-67.09
Debt/Equity	1.07					0	0	5.59	5.59	11.32	3.33	128.57
Debt/Net Income	5.52					0.792	0.792	0.9124	0.9124	17.91	2.00	-36.24
PEG								28.26	28.26		28.26	0.00
Бета						0	2.19	-1.22	-1.22	0.48	0.4850	-174.64
Индекс Альтмана						0	0	0.4547	0.4547	54.78	0.4547	0.00

	2017Q1	2017Q2	2017Q3	2017Q4	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	2025Q2	Industry average	5 quarters average	CAGR 5
P/E					1.77	1.8	2.52	3.91	6.74	15.94	19.4			13.27	9.70	50.41
P/BV					0.3512	0.3285	3.44	3.94	3.56	3.22	3.83			1.70	3.60	2.17
P/S					0.2383	0.22	0.2795	0.4069	0.6241	1.89	2.42			2.98	1.12	53.99
P/FCF													2.1	2.82	2.10	0.00
E/P													0.5204	87.84	0.5204	0.00
EV/S									8		10.08		2.7	1.52	6.93	-30.38
EV/FCF									-121.77		-92.31		26.42	1.51	-62.5533	-160.09
Debt/EBITDA													0.4852	-176.54	0.4852	0.00
Netdebt/Ebitda													0.0521	208.99	0.0521	0.00
Debt/Ratio	0.3273	0.3466	0.3481	0.3358									0.022	0.12	0.2760	-41.72
Debt/Equity	1.99	2.32	2.25	2.11									5.59	11.32	2.85	22.95
Debt/Net Income	42.1	45.58	38.84	49.87									0.9124	17.91	35.46	-53.53
PEG													28.26		28.26	0.00
Бета												-1.37	-0.9448	0.48	-1.1574	-16.96
Индекс Альтмана												0.4547	0.4547	54.78	0.4547	0.00

	Industry average	5 quarters average	CAGR 5

Dividends

IFRS

Reporting Annual Quarterly

	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
Див.выплата, млрд	1.07	0.3491	3.16	3.52	3.61	3.6	6.17	6.95	41.92	4.37					12.60	3.95
Дивиденд		5.9	10.4		7.1		12.25	13.8	7.7	0.7857	0.8333	0.9523	0.9523		4.81	-41.42
Див доход, ао, %		34.64	64.6		41.65		63.89	59.86	82.25	8.94	10.15	10.19	10.19	6.64	34.28	-29.82
Дивиденды / прибыль, %			67.69	77.75	97.07	54.63	124.58	97.25	8.76	80.24	105.88		105.88	49.72	83.34	-3.20

	2014Q2	2014Q4	2015Q2	2016Q2	2016Q4	2018Q2	2020Q1	2020Q3	2021Q1	2021Q2	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	Industry average	5 quarters average	CAGR 5
Див.выплата, млрд										3.74	0.0177	0.0088	0.0088	3.86	0.0107	0.0121	0.1219	1.31	0.184		0.3277	76.64
Дивиденд			5.9	6.4	4	7.1	5	7.25	9.8			4	7.7				8.25				7.40	2.62
Див доход, ао, %	67.6	23.66	34.3	39.4	25.14	42.85	28.29	34.42	42.3								48.53			6.64	39.28	2.52
Дивиденды / прибыль, %										205.54	1.18	0.3539	0.6676	475.79	0.9683	0.9067	10.62	11.67	2.09	49.72	5.25	16.63

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Other

IFRS

Reporting Annual Quarterly

	2020	2021	2022	2023	2024	LTM	CAGR 5
CAPEX/Выручка, %	0.2031	0.188	0.1773	2	1.13	1.13	40.95
Персонал, чел				4 382	4 061		-3.73

	2023Q4	2024Q1	2024Q4	CAGR 5
CAPEX/Выручка, %	0.8458	1.88	3.02	52.84

	CAGR 5