OTC: GJNSY - Gjensidige Forsikring ASA

Yield per half year: +37.38%
Dividend yield: +3.85%
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		8.12	8.4	8.4	8.53	9.41	9.9	11.69	10.61	8.22		7.94	9.97	-2.67
Выручка, млрд kr			27.5	28.79	26.8	29.25	29.23	31.91	32.76	40.36	37.01	37.01	34.25	4.83
Чистая прибыль, млрд kr			4.67	4.52	3.72	6.59	4.95	7.14	3.44	4.13	5.14	5.14	4.96	0.76
EV, млрд kr	35.06				5.89	9	9.08	11.34	95.94	90.77	101.8	101.8	61.79	62.16
EBIT, млрд kr		5.71	6.82	6.48	4.6	7.62	5.67	8.13	5.39	-0.0752		-0.0752	5.35	-139.71
EBITDA, млрд kr		5.92	7.08	6.74	4.87	7.88	6.34	8.67	5.97	0.585		0.585	5.89	-40.55
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			4.51	4.19	3.31	-1.67	6.82	6.49	4.15	41.55	3.79	3.79	12.56	-11.09
Операционный денежный поток, млрд kr			4.67	4.52	3.72	-1.24	7.33	7.03	4.71	48.93	4.21	4.21	14.44	-10.50
Операционная прибыль, млрд kr			6.82	6.48	4.6	7.62	6.16	8.56	5.82	1.14	5.5	5.5	5.44	-2.24
Операционные расходы, млрд kr			-20.68	-22.3	-22.2	-21.63	-23.08	-23.35	-26.93	38.65	31.51	31.51	-0.6400	-206.42
CAPEX, млрд kr			0.1562	0.332	0.4036	0.4385	0.5132	0.5326	0.5651	7.29	0.4197	0.4197	1.86	-3.94

	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	5 quarters average	CAGR 5
Капитализация, млрд kr	11.55	11.96	12.42	10.82	10.1	9.37	8.91	8.36	7.66	7.97						8.45	-3.18
Выручка, млрд kr						8.36	9.31	8.39	9.39	9.65	11.47	102.75	119.33	113.02	110.36	91.39	57.27
Чистая прибыль, млрд kr						1.33	1.15	1.04	0.827	1.11	0.8215	14.8	17.89	13.98	14.05	12.31	76.45
EV, млрд kr						9.34	7.8	85.89	82.21	96.27	76.06	98.52	99.5	104.99	121.9	100.19	9.89
EBIT, млрд kr				1.14	1.49	1.69	1.49	1.34	2.36	1.22	0.8254	19.43	238.33			52.43	151.68
EBITDA, млрд kr				1.17	1.51	1.75	1.49	1.33	1.12	-0.0688	0.0098	-1.47	0.3301			-0.0158	-21.68
Баланс стоимость, млрд kr						25.87	21.54	22.7	23.21	23.01	19.75	20.9	24.91	26.01	22.16	22.75	2.33
FCF, млрд kr						1.21	0.8772	0.4214	-0.1243	-10.21	4.3	-0.7091	1.23	-1.06	7.42	2.24	11.53
Операционный денежный поток, млрд kr				0.8451	1.13	1.39	1.15	0.5478	0.111	-9.25	4.48	-0.7426		-0.7851		-1.2373	-247.88
Операционная прибыль, млрд kr						1.69	1.49	1.34	1.12	-0.0688	0.0098	20.9	238.33	18.27	18.06	59.11	349.88
Операционные расходы, млрд kr						-6.67	-7.82	-7.06	-8.27	-1.11	1.21	-10.43	119.33	94.75	92.3	59.43	137.95
CAPEX, млрд kr					0.0924	0.1764	0.2703	0.1264	0.2353	0.9553	0.1832	0.0335		0.2995	0.2939	0.3531	-21.00

Cash flow Cash flow quarterly Assets

Balance sheet

IFRS

Reporting Annual Quarterly

	2006	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
Short Term Investments kr	0.0525													0.0525	0.00
Long term investments kr		41.43	4.18	41.84	41.73	35.44	42.01	41.7	39.53	41.32	67.55			46.42	9.97
Total Receivables kr			5.47	6.57	6.91	7.87	8.29	8.27	9.16	9.16		6.04	6.04	8.18	-6.14
Total Current Assets kr				2.16	2.69	2.36	2.42	2.86	2.35	3.2	3.13	6.04	6.04	3.52	16.13
Чистые активы, млрд kr			0.3242	0.3219	0.2901	0.2519	1.26	1.15	1.44	1.64	0.3841		0.3139	1.17	-21.15
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		14.21												14.21	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				19.38	22.35	-0.8653	0.204	-0.3459	1.32	0.5888	1.37	1.73	1.73	0.9326	-237.98
Долг, млрд kr		28				1.26	2.24	2.09	3.14	3.78	4.36	5.41	5.41	3.76	20.95
Interest income kr				2.67	2.67	1.03	0.9659	1.01	0.7468	0.7625	2.08			1.11	16.58
Расходы на обслуживание долга kr		0.7659	0.6522	0.6801	0.6498		0.0499	0.2167	0.2695	0.0742	0.8515		0.1442	0.2924	76.37
Чист. проц. доходы, млрд kr				-0.6801	-0.6498	0.8691	-0.2288	-0.2167	-0.2695	0.0723	0.1977		0.1977	-0.0890	-197.12
Goodwill kr		2.82	3.22	3.14	3.56	3.58	3.55	3.77	3.95	5.29	5.66			4.44	9.78
Амортизация, млрд kr			0.2096	0.2542	0.2613	0.2646	0.2564	0.6665	0.5484	0.5722	0.6602		0.6602	0.5407	20.82
Себестоимость, млрд kr		20.23	16.88	17.89	18.06	17.36	17.59				0.5749			14.29	-49.72

	2017Q1	2017Q2	2017Q3	2017Q4	2018Q1	2018Q2	2018Q3	2018Q4	2019Q1	2019Q2	2019Q3	2019Q4	2020Q2	2020Q3	2020Q4	2021Q1	2021Q2	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	5 quarters average	CAGR 5
Наличность, млрд kr																							3.2	3.95	4.16	4.37	2.99	8.47	3.25	4.31	3.69	5.99	5.14	-6.69
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																	9.1	8.43	9.16	12.48	12.28	11.12	9.16			5.18					6.04	6.37	7.57	-10.54
Total Current Assets kr																					3.22	2.38	3.2	3.95	4.16	4.37	3.13	8.64	3.25		6.04		5.09	6.69
Чистые активы, млрд kr																	1.55	1.44	1.44	1.52	1.47	1.43	1.64	0.3841	1.79	1.73							1.39	3.88
Активы, млрд kr																							135.15	137.64	140.2	141.82	145.87	160.73	160.58	167.6	171.49	172.18	166.52	1.39
Short Term Debt kr	23.4	24.96	25.49	30.06	4.28	0.0000																											21.64	-28.81
Long Term Debt kr																							2.4	2.4	2.4	2.9	2.9	3.43	3.43	3.43	4.09	4.09	3.69	3.58
Задолженность, млрд kr																							109.28	3.82	3.86	4.35	122.86	140.97	137.66	142.69	145.47	150.01	143.36	1.25
Чистый долг, млрд kr																							0.5888	-0.1815	-0.3419	-0.0631	2.59	-1.56	1.6	0.6668	1.73	-0.6162	0.3641	-16.95
Долг, млрд kr																							0.3678	0.354	3.82	4.31	5.58	6.91	4.86	4.98	5.41	5.37	5.51	-4.92
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				0.0581	0.2022	0.0987							0.0419	0.0374	0.0845	0.0421	0.0727	0.0478	0.107														0.0708	4.83
Чист. проц. доходы, млрд kr																			-0.107	0.1397	0.1827	0.1971	0.0213	0.0303	0.0322	0.051	0.0822	0.0819					0.0555	22.00
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
Амортизация, млрд kr																					0.0339	0.0226	0.055	-0.0005	-0.0006	-1.24	-1.29	-0.8156	-20.9	-238			-52.4491	186.17
Себестоимость, млрд kr			4.79	6.11	0.8888		5.79	3.68	0.5677	4.89	5.09	2.74																	0.9594				2.85	11.06
Товарно материальные запасы kr																																0.0332	0.0332	0.00

Share

IFRS

Reporting Annual Quarterly

	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	5 year average	CAGR 5
EPS	1.11	0.8799	1.34	0.7762	1.5	1.68	6.87	8.26	10.28		10.28	5.72	46.95
Цена акции ао		18.94	15.61	20.6	22.36	24.27	19.51	18.46	18.07	24.02	24.02	20.87	-0.21
Число акций ао, млн	500.81	499.05	498.97	499.1	500.19	500.03	500.08	500.12	500.11		500.11	500.11	-0.00
FCF/акцию	9.01	8.4	6.64	-3.35	13.64	12.99	8.29	83.07	7.58		7.58	25.11	-11.09

	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	2025Q2	5 quarters average	CAGR 5
EPS						0.262	0.224	2.09	1.65	2.23	1.64	29.6	35.79	27.09	27.32		24.29	75.52
Цена акции ао			24.59	21.61	20.2	18.75	17.82	16.72	15.32	15.95					22.92	24.02	18.99	7.51
Число акций ао, млн	500.03	500.03	505.08	500.74	500	499.95	499.95	499.95	499.95	499.95							499.95	0.00
FCF/акцию						2.43	1.75	0.8429	-0.2486	-20.41	8.59	-1.42	2.46	-2.06	14.43		4.40	10.93

	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	13.46	16.49	20.47		20.47	19.76	19.67	0.88
ROA, %			3.44	3.03	2.37	5.87	4.19	5.5	2.59	2.92	3.22		3.22	4.95	3.68	-5.13
ROIC, %	25.25					44.14	42.64	38.07	152.95	29.76				7.36	61.51	-7.58
ROS, %				15.71	13.87	22.54	16.95	22.38	10.49	10.24	13.89	11.16	13.89	26.82	13.63	-12.99
ROCE, %			30.57	27.35	19.3	29.09	22.43	32.24	4.03	-0.0793		-0.2891	-0.2891	9.68	11.67	-141.88
Ebit margin, %						26.05	19.4	25.46	16.46	-0.1863		-0.2032	-0.2032		12.19	-140.18
Рентаб EBITDA, %			25.74	23.43	18.16	26.92	21.68	27.18	18.21	1.45		1.58	1.58	21.90	14.02	-40.77
Чистая рентаб, %			16.98	15.71	13.87	22.54	16.95	22.38	10.49	10.24	13.89		13.89	26.83	14.79	-3.90
Operation Margin, %				22.52	17.17	26.05	21.06	26.81	17.78	2.81	14.87	14.87	14.87	14.48	15.43	-11.12
Доходность FCF, %	41.25	45.96	53.74	49.87	38.87	-17.79	68.93	55.54	39.06	49.72					39.09	-222.82

	2017Q3	2017Q4	2018Q1	2018Q2	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	2025Q2	Industry average	5 quarters average	CAGR 5
ROE, %										5.16	5.33	4.6	3.51	4.85	3.67	67.45	81.59	62.08	60.59		19.76	55.08	75.21
ROA, %										0.9874	0.8337	0.7448	0.5865	0.7738	0.5359	9.21	10.9	8.24	8.18		4.95	7.41	72.48
ROIC, %	1.86	1.28	1.65	2.44								4.33	3.07	5.7	3.16	74.45			68.67		7.36	31.01	86.18
ROS, %											12.32	12.44	8.81	11.53	7.16	14.4	14.99	12.37	12.73	11.16	26.82	13.13	-4.97
ROCE, %									5.94	6.55	1.12	0.9793	2.36	1.36	0.8756	19.82	203.73			-0.2891	9.68	45.10	-173.37
Ebit margin, %													25.15	12.68	7.2	18.91	199.72			-0.2032		47.66	-143.75
Рентаб EBITDA, %									18.3	20.92	16.02	15.9	11.92	-0.713	0.0855	-1.43	0.2767			1.58	21.90	-0.0402	-217.25
Чистая рентаб, %										15.96	12.32	12.44	8.81	11.53	7.16	14.4	14.99	12.37	12.73		26.83	12.33	12.20
Operation Margin, %											16.03	15.9	11.92	-0.713	0.0855	20.34	199.72	16.17	16.37	14.87	14.48	53.49	-6.07
Доходность FCF, %					12.28	19.91	9.26	6.9	10.25	12.94	9.85	5.04	-1.62	-12.6								2.72	-199.47

Coefficients

IFRS

Reporting Annual Quarterly

	2014	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
P/E		1.8	1.86	2.29	1.43	2	1.64	27.74	21.64	19.47		19.47	19.24	14.50	57.64
P/BV		0.3766	0.3548	0.3576	0.3593	0.3914	0.464	3.69	3.69	3.85		3.85	2.36	2.42	57.97
P/S		0.3054	0.2919	0.3181	0.3217	0.3385	0.3665	2.91	2.21	2.7		2.7	4.64	1.71	51.48
P/FCF			2.01	2.57	-5.62	1.45	1.8	2.56	2.01	0.1911	2.1	2.1	2.29	1.73	3.13
E/P			0.5383	0.436	0.7007	0.5005	0.6107	0.3239	0.5025	0.5204	0.5204	0.5204	87.84	0.4956	-3.15
EV/EBIT					11.41	17.06	12.75	17.79	-1207.09	-1231.42	-1390.29	-1390.29		-759.6520	-355.58
EV/EBITDA	5.53			1.44	1.31	1.62	1.44	16.08	155.17			158.3	-127.06	35.12	159.84
EV/S	1.38				3.1	3.28	3.39	2.93	2.25	2.75	2.82	2.75	4.03	2.83	-3.61
EV/FCF	8.98				-54.14	14.07	16.65	23.14	2.18	26.87	27.59	26.87	9.29	19.29	10.63
Debt/EBITDA	4.42			0.3079	0.326	0.3732	0.3992	0.6343	7.46	9.54	9.25	9.25	-176.21	5.46	87.50
Netdebt/Ebitda			3.31	-0.1778	0.0259	-0.0546	0.1521	0.0987	2.35	4.43	2.95	2.95	240.99	2.00	80.94
Debt/Ratio	0.2457				0.0233	0.0213	0.0282	0.028	0.0294	0.0316	0.0316	0.0316	0.12	0.0298	2.30
Debt/Equity	1.29				0.1002	0.0995	0.1455	0.1463	0.18	0.2081	5.59	0.2081	11.24	1.25	107.45
Debt/Net Income	6.68				0.3979	0.5077	0.5136	1.1	1.06	1.05	1.31	1.05	18.05	1.01	20.59
PEG											0.2605	0.2605		0.2605	0.00
Бета									1.56	0.1472	3.2	3.2	-0.75	1.64	27.06
Индекс Альтмана			0.4603	0.1972	4.39	-1.41	1.31	2.18	15.41	0.6286	0.5362	0.5362	40.56	4.01	-16.36

	2018Q2	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	2025Q2	Industry average	5 quarters average	CAGR 5
P/E							7.02	7.76	19.66	18.9	22.67	20.39	5.52	2.85	2.13	1.99		19.24	6.58	-37.21
P/BV							0.3623	0.4135	0.6325	0.5985	4.07	3.93	4.23	3.97	3.97	5.53		2.36	4.33	7.07
P/S							1.12	0.9566	2.51	2.32	2.55	2	0.7273	0.4064	0.2916	0.2714		4.64	0.7393	-32.93
P/FCF			5.02	10.8	14.49	9.76	7.73	10.16	19.84	-61.64	-7.94						2.1	2.29	-7.4960	-27.04
E/P			0.208	0.1061	0.075	0.085	0.1424	0.1288	0.1249	0.1079	0.1396						0.5204	87.84	0.2043	32.22
EV/EBIT										34.82	78.69	92.15	5.07	0.4175			-1390.29		-242.7925	-277.60
EV/EBITDA					1.42	1.65	2.24	14.04	64.36	14.44	24.83	31.76	-242.41	-83.23				-127.06	-50.9220	-241.95
EV/S	3.51								10.23	8.76	9.98	6.63	0.9588	0.8338	0.9289	1.1	2.82	4.03	1.33	24.08
EV/FCF	29.51								203.81	-661.37	-9.43	17.7	-138.94	80.95	-98.9	16.43	27.59	9.29	-22.5740	-172.37
Debt/EBITDA						2.39	2.16	2.53	2.86	3.85	-81.1	704.85	-3.31	15.08			9.25	-176.21	128.95	-164.78
Netdebt/Ebitda						0.8161	0.3366	-0.1216	-0.2562	-0.0564	-37.69	-159.09	-1.09	2.02			2.95	240.99	-38.5800	-160.08
Debt/Ratio	0.1319								0.0272	0.0304	0.0383	0.043	0.0302	0.0297	0.0316	0.0312	0.0316	0.12	0.0309	0.91
Debt/Equity	0.9452								0.1681	0.1855	0.2425	0.3497	0.2324	0.2	0.2081	0.2425	5.59	11.24	1.29	88.90
Debt/Net Income	20.14								3.65	5.21	5.01	8.41	0.3281	0.2783	0.3872	0.3824	1.31	18.05	0.5372	31.90
PEG																	0.2605		0.2605	0.00
Бета																-3.2	3.2	-0.75	0.0000	-200.00
Индекс Альтмана		1.6	0.9304	-0.0424	2.38	0.9022	1.87		-2.97	-16.27						0.892	0.5362	40.56	-3.1884	-22.11

Dividends

IFRS

Reporting Annual Quarterly

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
Див.выплата, млрд	2.95	6.14	3.46	3.55	3.55	6.12	6.9	41.92	4.37			4.14		12.57	4.24
Дивиденд			0.811	0.9	0.8297	2.67	1.63	0.866	0.7885	0.828	0.888	0.888		1.00	-11.44
Див доход, ао, %			4.82	5.27	4.4	13.49	6.95	4	4.82	5.49	3.85	3.85	6.73	5.02	-11.14
Дивиденды / прибыль, %		131.46	76.49	95.49	53.84	123.64	96.62	111.98	1014.59	85.1		85.1	47.94	286.39	-7.20
Dividend Coverage Ratio											0.998	0.998		0.9980	0.00

	2016Q4	2017Q2	2018Q2	2019Q1	2020Q1	2020Q3	2021Q1	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2025Q1	2025Q2	Industry average	5 quarters average	CAGR 5
Див.выплата, млрд										3.85	0.0107	0.0293	4.02	0.105	0.0173	0.5163	0.0212	4.37	4.85			1.95	208.70
Дивиденд	0.484	0.811	0.9	0.8297	1.32	1.35	1.16	0.47	0.8742				0.7885									0.9285	-10.20
Див доход, ао, %	2.85	5.11	5.51	4.88	6.64	6.53	4.91	1.97	3.56				4.42								6.73	4.28	-7.51
Дивиденды / прибыль, %										474.58	1.25	2.2	350.32	10.06	2.09	46.38	2.58	29.56	34.54		47.94	23.03	75.24
Dividend Coverage Ratio																				0.998		0.9980	0.00

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Other

IFRS

Reporting Annual

	2023	2024	CAGR 5
Персонал, чел	4382	4061	-3.73

	CAGR 5

	CAGR 5