Gjensidige Forsikring ASA (OSL:GJF)

Gjensidige Forsikring ASA Income Statement

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

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Premiums Earned	44,525	43,489	38,883	35,031	32,639	30,163
Investment Income	2,643	2,622	1,949	2,483	1,298	2,270
Net Gains on Investments	534.1	522.2	554.3	-36.9	859.8	829
Total Other Revenues	2,473	2,543	2,541	2,294	-2,978	441.4
Revenue	50,175	49,176	43,927	39,771	31,819	33,703
Revenue Growth (YoY)	10.95%	11.95%	10.45%	24.99%	-5.59%	13.12%
Insurance Benefits & Claims	31,073	30,907	28,582	25,761	22,689	20,042
Policy Amortization Costs	5,709	5,621	4,843	4,876	4,373	4,445
Investment Expense	665.2	652.6	716.4	402.3	360.2	269.5
Other Operating Expenses	2,643	2,539	1,965	1,857	1,319	148.2
Operating Income	10,085	9,457	7,821	6,874	3,078	8,799
Interest Expense	1,601	1,544	1,540	1,365	767	-
Other Non-Operating Income (Expense)	346.6	582.8	542.1	-4.6	2,007	-
Total Non-Operating Income (Expense)	1,948	2,127	2,082	1,361	2,774	-
Pretax Income	8,831	8,495	6,823	5,504	4,318	8,799
Provision for Income Taxes	2,164	2,078	1,643	1,419	879.7	1,658
Net Income	6,946	6,556	5,141	4,132	3,438	7,141
Minority Interest in Earnings	-0.5	0.1	-1.4	-1.4	-	0
Earnings From Discontinued Operations	278.1	139.2	-41.6	44.7	-	-
Net Income to Common	6,946	6,556	5,141	4,132	3,438	7,141
Net Income Growth	22.82%	27.54%	24.41%	20.19%	-51.86%	44.15%
Shares Outstanding (Basic)	511	500	500	500	500	500
Shares Outstanding (Diluted)	511	500	500	500	500	500
Shares Change (YoY)	-0.46%	0.00%	-0.00%	0.01%	0.00%	-0.00%
EPS (Basic)	13.60	12.83	10.01	8.11	6.78	14.18
EPS (Diluted)	13.60	12.83	10.01	8.11	6.78	14.18
EPS Growth	23.41%	28.17%	23.43%	19.62%	-52.19%	43.09%
Shares Outstanding	499.98	499.98	499.95	499.95	499.95	499.96
Free Cash Flow	9,808	6,262	3,812	4,143	1,697	6,494
Free Cash Flow Growth	56.62%	64.28%	-7.99%	144.10%	-73.87%	-3.81%
Free Cash Flow Per Share	19.19	12.52	7.62	8.28	3.39	12.99
Dividends Per Share	10.000	10.000	9.000	8.750	8.250	7.700
Dividend Growth	-	11.11%	2.86%	6.06%	7.14%	4.05%
Operating Margin	20.10%	19.23%	17.80%	17.28%	9.67%	26.11%
Profit Margin	13.29%	13.05%	11.79%	10.27%	10.80%	21.19%
FCF Margin	19.55%	12.73%	8.68%	10.42%	5.33%	19.27%
EBITDA	10,085	9,457	7,821	6,874	3,078	8,799
EBIT	10,085	9,457	7,821	6,874	3,078	8,799
EBIT Margin	20.10%	19.23%	17.80%	17.28%	9.67%	26.11%
Effective Tax Rate	24.51%	24.46%	24.07%	25.77%	20.38%	18.85%

Updated Apr 29, 2026. Data Source: Fiscal.ai. Insurance template. Financial Sources.