Gjensidige Forsikring ASA (GJF.OL) stock analysis

In our weekly check, Gjensidige Forsikring ASA is graded B (A to F). Of 24 checks on debt, profit, cash flow and trend: 18 pass, warnings: 2, red flags: 4.

About Gjensidige Forsikring ASA

Gjensidige Forsikring ASA is a Financial Services company (Insurance - Diversified) based in Norway, listed on OSL as GJF.OL.

What our checks show for GJF.OL

Red flags

• The net margin fell by 7.2 points over 5 years, to 15.3%: the company keeps less of each sale as profit.
• The gross margin fell by 17.6 points, to 82.4%: costs are rising faster than prices.
• The dividend takes 101% of profit: little cushion if profit falls.
• Return on capital (ROCE) is only 4.7%.

Warning signs

• Analysts expect only about 3.3% a year of growth in revenue.
• Thinly traded (about 268 thousand shares a day): buying and selling can move the price.

Strengths

• Analysts expect earnings per share to grow about 10.2% a year over the next years.
• Analysts expect the net margin to improve by 2.7 points from today's 15.3%.
• Revenue grew 16.7% a year over the last 3 years.
• Earnings per share grew 29.2% a year over the last 3 years.
• Net profit grew 28.2% a year over the last 3 years.
• Free cash flow is 14.1% of revenue: cash for dividends, buybacks or growth.

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Questions

What grade does Gjensidige Forsikring ASA (GJF.OL) have?

In our weekly check, Gjensidige Forsikring ASA is graded B (A to F). Of 24 checks on debt, profit, cash flow and trend: 18 pass, warnings: 2, red flags: 4. The grade is a risk check, not a buy or sell recommendation.

What are the main risks of GJF.OL stock?

This week's biggest flags for Gjensidige Forsikring ASA: Margins falling, Gross margin falling, Dividend stretched. In total 6 of 24 checks show a warning or a red flag.

What does Gjensidige Forsikring ASA do?

Gjensidige Forsikring ASA is a Financial Services company (Insurance - Diversified) based in Norway, listed on OSL as GJF.OL.

The grade is a risk check, not a price forecast, and not investment advice. In our 10-year test (S&P 500, 2016-2026), stocks we graded A or B fell more than 30% 2-3 times less often than D or F, without a lower average return.

Updated 2026-10-24

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