Gjensidige Forsikring ASA
Gjensidige Forsikring ASA Fundamental Analysis
Gjensidige Forsikring ASA (GJNSY) shows strong financial fundamentals with a PE ratio of 18.18, profit margin of 15.08%, and ROE of 27.96%. The company generates $44.7B in annual revenue with strong year-over-year growth of 10.71%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 84.6/100 based on profitability, valuation, growth, and balance sheet metrics. The B+ grade reflects solid fundamentals with room for improvement in valuation or growth.
Fundamental Health Score
We analyze GJNSY's fundamental strength across five key dimensions:
Efficiency Score
WeakGJNSY struggles to generate sufficient returns from assets.
Valuation Score
ExcellentGJNSY trades at attractive valuation levels.
Growth Score
ExcellentGJNSY delivers strong and consistent growth momentum.
Financial Health Score
ExcellentGJNSY maintains a strong and stable balance sheet.
Profitability Score
ExcellentGJNSY achieves industry-leading margins.
Key Financial Metrics
Is GJNSY Expensive or Cheap?
P/E Ratio
GJNSY trades at 18.18 times earnings. This indicates a fair valuation.
PEG Ratio
When adjusting for growth, GJNSY's PEG of 0.09 indicates potential undervaluation.
Price to Book
The market values Gjensidige Forsikring ASA at 5.75 times its book value. This suggests the stock is fully valued or overvalued on an asset basis.
EV/EBITDA
Enterprise value stands at 14.67 times EBITDA. This signals the market has high growth expectations.
How Well Does GJNSY Make Money?
Net Profit Margin
For every $100 in sales, Gjensidige Forsikring ASA keeps $15.08 as profit after all expenses.
Operating Margin
Core operations generate 21.24 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $27.96 in profit for every $100 of shareholder equity.
ROA
Gjensidige Forsikring ASA generates $3.54 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Gjensidige Forsikring ASA produces operating cash flow of $6.60B, showing steady but balanced cash generation.
Free Cash Flow
Gjensidige Forsikring ASA generates strong free cash flow of $5.31B, providing ample flexibility for dividends, buybacks, or growth.
FCF Per Share
Each share generates $10.62 in free cash annually.
FCF Yield
GJNSY converts 4.34% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
18.18
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
0.09
vs 25 benchmark
P/B Ratio
Price to book value ratio
5.75
vs 25 benchmark
P/S Ratio
Price to sales ratio
2.67
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.24
vs 25 benchmark
Current Ratio
Current assets to current liabilities
61.18
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.28
vs 25 benchmark
ROA
Return on assets percentage
0.04
vs 25 benchmark
ROCE
Return on capital employed
0.05
vs 25 benchmark
How GJNSY Stacks Against Its Sector Peers
| Metric | GJNSY Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 18.18 | 18.83 | Neutral |
| ROE | 27.96% | 822.00% | Weak |
| Net Margin | 15.08% | 2005.00% | Weak |
| Debt/Equity | 0.24 | 1.01 | Strong (Low Leverage) |
| Current Ratio | 61.18 | 673.11 | Strong Liquidity |
| ROA | 3.54% | -23560.00% (disorted) | Weak |
GJNSY outperforms its industry in 2 out of 6 key metrics, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Gjensidige Forsikring ASA's 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
51.25%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
30.98%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
-15.80%
Industry Style: Value, Dividend, Cyclical
Declining