Gjensidige Forsikring ASA Income Statement

Financials in millions NOK. Fiscal year is January - December.

Millions NOK. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Net Premiums Earned	43,489	38,883	35,031	32,639	30,163
Investment Income	2,622	1,949	2,483	1,298	2,270
Net Gains on Investments	522.2	554.3	-36.9	859.8	829
Total Other Revenues	2,543	2,541	2,294	-2,978	441.4
Revenue	49,176	43,927	39,771	31,819	33,703
Revenue Growth (YoY)	11.95%	10.45%	24.99%	-5.59%	13.12%
Insurance Benefits & Claims	30,907	28,582	25,761	22,689	20,042
Policy Amortization Costs	5,621	4,843	4,876	4,373	4,445
Investment Expense	652.6	716.4	402.3	360.2	269.5
Other Operating Expenses	2,539	1,965	1,857	1,319	148.2
Operating Income	9,457	7,821	6,874	3,078	8,799
Interest Expense	1,544	1,540	1,365	767	-
Other Non-Operating Income (Expense)	582.8	542.1	-4.6	2,007	-
Total Non-Operating Income (Expense)	2,127	2,082	1,361	2,774	-
Pretax Income	8,495	6,823	5,504	4,318	8,799
Provision for Income Taxes	2,078	1,643	1,419	879.7	1,658
Net Income	6,556	5,141	4,132	3,438	7,141
Minority Interest in Earnings	0.1	-1.4	-1.4	-	0
Earnings From Discontinued Operations	139.2	-41.6	44.7	-	-
Net Income to Common	6,556	5,141	4,132	3,438	7,141
Net Income Growth	27.54%	24.41%	20.19%	-51.86%	44.15%
Shares Outstanding (Basic)	500	500	500	500	500
Shares Outstanding (Diluted)	500	500	500	500	500
Shares Change (YoY)	0.00%	-0.00%	0.01%	0.00%	-0.00%
EPS (Basic)	12.83	10.01	8.11	6.78	14.18
EPS (Diluted)	12.83	10.01	8.11	6.78	14.18
EPS Growth	28.17%	23.43%	19.62%	-52.19%	43.09%
Shares Outstanding	499.98	499.95	499.95	499.95	499.96
Free Cash Flow	6,262	3,812	4,143	1,697	6,494
Free Cash Flow Growth	64.28%	-7.99%	144.10%	-73.87%	-3.81%
Free Cash Flow Per Share	12.52	7.62	8.28	3.39	12.99
Dividends Per Share	10.000	9.000	8.750	8.250	7.700
Dividend Growth	11.11%	2.86%	6.06%	7.14%	4.05%
Operating Margin	19.23%	17.80%	17.28%	9.67%	26.11%
Profit Margin	13.05%	11.79%	10.27%	10.80%	21.19%
FCF Margin	12.73%	8.68%	10.42%	5.33%	19.27%
EBITDA	9,457	7,821	6,874	3,078	8,799
EBIT	9,457	7,821	6,874	3,078	8,799
EBIT Margin	19.23%	17.80%	17.28%	9.67%	26.11%
Effective Tax Rate	24.46%	24.07%	25.77%	20.38%	18.85%

Updated Dec 31, 2025. Data Source: Fiscal.ai. Insurance template. Financial Sources.