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Gjensidige Forsikring ASASTU:XGJ +0.39%70 EV-to-OCF is 18.84 as of Sep. 14, 2026, which is 11% below its 10-year median of 21.11. GuruFocus rates STU:XGJ with a GF Score™ of 70/100 and a GF Value™ of €22.75 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 500 Insurance companies, Gjensidige Forsikring ASA ranks worse than 81.6% on this metric.
The historical rank and industry rank for Gjensidige Forsikring ASA's EV-to-OCF or its related term are showing as below:
STU:XGJ'
s EV-to-OCF Range Over the Past 10 Years
Min: -84.7 Med: 21.11 Max: 88.26
Current: 18.2
During the past 13 years, the highest EV-to-OCF of Gjensidige Forsikring ASA was 88.26. The lowest was -84.70. And the median was 21.11.
STU:XGJ's EV-to-OCF is ranked worse than 81.6% of 500
companies
in the Insurance industry
Industry Median: 6.365
vs STU:XGJ: 18.20
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Gjensidige Forsikring ASA's PE Ratio (TTM) for today is calculated as:
Gjensidige Forsikring ASA's share price for today is €25.80.
Gjensidige Forsikring ASA's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was €1.166.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Gjensidige Forsikring ASA EV-to-OCF Related Terms
Gjensidige Forsikring ASA EV-to-OCF Historical Data
* 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.
For the Insurance - Property & Casualty subindustry, Gjensidige Forsikring ASA's EV-to-OCF, along with its competitors' market caps and EV-to-OCF 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 EV-to-OCF vs Insurance Industry
For the Insurance industry and Financial Services sector, Gjensidige Forsikring ASA's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where Gjensidige Forsikring ASA's EV-to-OCF falls into.
Gjensidige Forsikring ASA's current Enterprise Value is €12,983 Mil.
Gjensidige Forsikring ASA's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was €689 Mil.
* 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 (STU:XGJ) has a EV-to-OCF of 18.84 as of Sep. 14, 2026. This is 11% below median its historical median of 21.11. According to the industry distribution chart, Gjensidige Forsikring ASA ranks #408 out of 500 companies in the Insurance industry, placing it in the top 81.6%.
Is Gjensidige Forsikring ASA's EV-to-OCF too high?
Gjensidige Forsikring ASA's current EV-to-OCF of 18.84 is 11% below median its 10-year median of 21.11. The Insurance industry median EV-to-OCF is 6.37. Gjensidige Forsikring ASA's value of 18.84 is 196% above this industry median. Based on the distribution chart, Gjensidige Forsikring ASA ranks #408 out of 500 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, Gjensidige Forsikring ASA has a GF Score™ of 70/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Gjensidige Forsikring ASA's EV-to-OCF compare to CB and PGR?
According to the Insurance industry distribution chart, Gjensidige Forsikring ASA ranks #408 out of 500 companies for EV-to-OCF. This places Gjensidige Forsikring ASA in the lower half of its industry. The industry median EV-to-OCF is 6.37. Gjensidige Forsikring ASA's value of 18.84 is 196% above this benchmark. While the company's 10-year median is 21.11 vs. the industry median of 6.37, Gjensidige Forsikring ASA has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-OCF for an Insurance company?
The median EV-to-OCF among Insurance companies is 6.37, based on 500 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-OCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-OCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Gjensidige Forsikring ASA's current EV-to-OCF of 18.84 is 196% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EV-to-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. For the Insurance industry, the median EV-to-OCF is 6.37 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Gjensidige Forsikring ASA's current EV-to-OCF is 18.84, which is 11% below median its own 10-year median of 21.11. 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 (STU:XGJ) is currently considered Modestly Overvalued. The stock's GF Value™ is €22.75, compared to a current price of €25.80 — trading 13.4% above its estimated fair value. The current EV-to-OCF is 18.84, which is 11% below median its 10-year median of 21.11 and 196% above the Insurance industry median of 6.37. Gjensidige Forsikring ASA's overall GF Score™ is 70/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For Gjensidige Forsikring ASA (STU:XGJ), the current EV-to-OCF is 18.84 as of Sep. 14, 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 (STU:XGJ) Overvalued in 2026?
Based on GuruFocus' analysis, Gjensidige Forsikring ASA stock appears to be overvalued.
The current stock price of €25.80 is trading 13.4% above its estimated GF Value™ of €22.75.
GuruFocus considers Gjensidige Forsikring ASA to be Modestly Overvalued.
Key valuation signals for STU:XGJ:
EV-to-OCF: 18.84 (11% below median its 10-year median of 21.11)
GF Value™: €22.75 vs. price of €25.80 (13.4% above fair value)
Industry Position: 196% above the Insurance median (#408 of 500)
No single metric tells the full story. See the STU:XGJ stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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.
70GF Score
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