Gjensidige Forsikring ASA (LTS:0OJC) Effective Interest Rate on Debt %: 32.56% (As of Jun. 2026)

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LTS:0OJC Gjensidige Forsikring ASA LTS:0OJC
63 GF Score
Price kr277.50
GF Value kr241.74
Valuation Modestly Overvalued
! 4 Warning Signs
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What is Gjensidige Forsikring ASA Effective Interest Rate on Debt %?

Gjensidige Forsikring ASA LTS:0OJC -0.64% 63 Effective Interest Rate on Debt % is 32.56% as of Jun. 2026. GuruFocus rates LTS:0OJC with a GF Score™ of 63/100 and a GF Value™ of kr241.74 (Modestly Overvalued). The stock has 4 warning signs investors should review.

Effective Interest Rate on Debt % is the usage rate that a borrower actually pays on a debt. It is calculated as the positive value of Interest Expense divided by its average total debt. Total debt equals to Long-Term Debt & Capital Lease Obligation plus Short-Term Debt & Capital Lease Obligation. Gjensidige Forsikring ASA's annualized positive value of Interest Expense for the quarter that ended in Jun. 2026 was kr1,742 Mil. Gjensidige Forsikring ASA's average total debt for the quarter that ended in Jun. 2026 was kr5,351 Mil. Therefore, Gjensidige Forsikring ASA's annualized Effective Interest Rate on Debt % for the quarter that ended in Jun. 2026 was 32.56%.


Gjensidige Forsikring ASA  (LTS:0OJC) Effective Interest Rate on Debt % Explanation

Effective Interest Rate on Debt % measures the usage rate that a borrower actually pays on a debt.


Gjensidige Forsikring ASA Effective Interest Rate on Debt % Related Terms


Gjensidige Forsikring ASA Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Gjensidige Forsikring ASA's Effective Interest Rate on Debt % can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Gjensidige Forsikring ASA Effective Interest Rate on Debt % Chart

Gjensidige Forsikring ASA Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Effective Interest Rate on Debt %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 15.44 25.16 51.09 25.22 36.83

Gjensidige Forsikring ASA Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Effective Interest Rate on Debt % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 30.59 35.06 44.19 38.43 32.56

LTS:0OJC vs CB, PGR, TRV: Effective Interest Rate on Debt % Comparison

For the Insurance - Property & Casualty subindustry, Gjensidige Forsikring ASA's Effective Interest Rate on Debt %, along with its competitors' market caps and Effective Interest Rate on Debt % data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Gjensidige Forsikring ASA Effective Interest Rate on Debt % vs Insurance Industry

For the Insurance industry and Financial Services sector, Gjensidige Forsikring ASA's Effective Interest Rate on Debt % distribution charts can be found below:

* The bar in red indicates where Gjensidige Forsikring ASA's Effective Interest Rate on Debt % falls into.


LTS:0OJC
63GF Score
Gjensidige Forsikring ASA LTS:0OJC
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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Gjensidige Forsikring ASA Effective Interest Rate on Debt % Calculation

Gjensidige Forsikring ASA's annualized Effective Interest Rate on Debt % for the fiscal year that ended in Dec. 2025 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (A: Dec. 2024 )+Total Debt  (A: Dec. 2025 ))/ count )
=-1  *  -1969.3/( (5412.2+5280.4)/ 2 )
=-1  *  -1969.3/5346.3
=36.83 %

where

Total Debt  (A: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=5412.2 + 0
=5412.2

Total Debt  (A: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=5280.4 + 0
=5280.4

Gjensidige Forsikring ASA's annualized Effective Interest Rate on Debt % for the quarter that ended in Jun. 2026 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (Q: Mar. 2026 )+Total Debt  (Q: Jun. 2026 ))/ count )
=-1  *  -1742.4/( (5348.7+5353.7)/ 2 )
=-1  *  -1742.4/5351.2
=32.56 %

where

Total Debt  (Q: Mar. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=5348.7 + 0
=5348.7

Total Debt  (Q: Jun. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=5353.7 + 0
=5353.7

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

In the calculation of annual Effective Interest Rate on Debt %, the Interest Expense of the last fiscal year and the average total debt over the fiscal year are used. In calculating the quarterly data, the Interest Expense data used here is four times the quarterly (Jun. 2026) interest expense data. Effective Interest Rate on Debt % is displayed in the 30-year financial page.

What does a Effective Interest Rate on Debt % of 32.56% mean?
Gjensidige Forsikring ASA (LTS:0OJC) has a Effective Interest Rate on Debt % of 32.56% as of Jun. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Gjensidige Forsikring ASA and its competitors.
Is Gjensidige Forsikring ASA's Effective Interest Rate on Debt % too high?
Gjensidige Forsikring ASA's current Effective Interest Rate on Debt % is 32.56%. Overall, Gjensidige Forsikring ASA has a GF Score™ of 63/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Gjensidige Forsikring ASA's Effective Interest Rate on Debt % compare to CB and PGR?
Gjensidige Forsikring ASA's Effective Interest Rate on Debt % of 32.56% can be compared against companies in the Insurance industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Effective Interest Rate on Debt % for an Insurance company?
A good Effective Interest Rate on Debt % depends on the Insurance industry context. However, Effective Interest Rate on Debt % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Effective Interest Rate on Debt % mean?
A high Effective Interest Rate on Debt % can signal that a stock is expensive relative to its fundamentals. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Gjensidige Forsikring ASA and its competitors. Gjensidige Forsikring ASA's current Effective Interest Rate on Debt % is 32.56%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Gjensidige Forsikring ASA stock overvalued right now?
Based on GuruFocus' analysis, Gjensidige Forsikring ASA (LTS:0OJC) is currently considered Modestly Overvalued. The stock's GF Value™ is kr241.74, compared to a current price of kr277.50 — trading 14.8% above its estimated fair value. The current Effective Interest Rate on Debt % is 32.56%. Gjensidige Forsikring ASA's overall GF Score™ is 63/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Effective Interest Rate on Debt % calculated?
Effective Interest Rate on Debt % is calculated from a company's financial statements. For Gjensidige Forsikring ASA (LTS:0OJC), the current Effective Interest Rate on Debt % is 32.56% as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Gjensidige Forsikring ASA (LTS:0OJC) Overvalued in 2026?

Based on GuruFocus' analysis, Gjensidige Forsikring ASA stock appears to be overvalued. The current stock price of kr277.50 is trading 14.8% above its estimated GF Value™ of kr241.74. GuruFocus considers Gjensidige Forsikring ASA to be Modestly Overvalued.

Key valuation signals for LTS:0OJC:

  • Effective Interest Rate on Debt %: 32.56%
  • GF Value™: kr241.74 vs. price of kr277.50 (14.8% above fair value)
  • GF Score™: 63/100 with 4 warning signs

No single metric tells the full story. See the LTS:0OJC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Gjensidige Forsikring ASA Business Description

Address Schweigaardsgate 21, Oslo, NOR, 0191
Gjensidige Forsikring ASA develops and offers insurance covering customers' security needs and related services, including loss prevention and claims processing. It provides general insurance (property and liability) and accident and health insurance, operating in Norway, Denmark, and Sweden. It has four segments: General Insurance Private, serving individuals in Norway and Denmark; General Insurance Commercial, serving commercial, agricultural, and public sector customers in Norway and Denmark, and earning the majority of revenue; General Insurance Sweden, serving private and commercial markets; and Pension, offering occupational and individual pension products in Norway to enhance customer loyalty. It operates in Norway, Denmark, and Sweden, with maximum revenue coming from Norway.
63GF Score

Get the complete analysis for LTS:0OJC

Effective Interest Rate on Debt % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

kr277.50
Price
kr241.74
GF Value