Gjensidige Forsikring ASA (LTS:0OJC) Moat Score: 5/10 (As of Jul. 07, 2026)


LTS:0OJC Gjensidige Forsikring ASA LTS:0OJC
68 GF Score
Price kr272.90
GF Value kr234.37
Valuation Modestly Overvalued
! 4 Warning Signs
View Full Analysis

What is Gjensidige Forsikring ASA Moat Score?

Gjensidige Forsikring ASA LTS:0OJC +0.11% 68 Moat Score is 5 as of Jul. 07, 2026. GuruFocus rates LTS:0OJC with a GF Score™ of 68/100 and a GF Value™ of kr234.37 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 598 Insurance companies, Gjensidige Forsikring ASA ranks better than 88.8% on this metric.

Gjensidige Forsikring ASA has the Moat Score of 5, which implies that the company might have Narrow Moat - Solid narrow moat.

Gjensidige Forsikring ASA has Narrow Moat: Gjensidige Forsikring ASA has a solid narrow moat due to its strong brand in the Nordic insurance market and customer loyalty. However, it lacks significant regulatory barriers or proprietary technology to elevate it to a wide moat.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Gjensidige Forsikring ASA might have Narrow Moat - Solid narrow moat.

Gjensidige Forsikring ASA  (LTS:0OJC) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Gjensidige Forsikring ASA Moat Score Related Terms

LTS:0OJC vs CB, PGR, TRV: Moat Score Comparison

For the Insurance - Property & Casualty subindustry, Gjensidige Forsikring ASA's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Insurance Industry

For the Insurance industry and Financial Services sector, Gjensidige Forsikring ASA's Moat Score distribution charts can be found below:

* The bar in red indicates where Gjensidige Forsikring ASA's Moat Score falls into.


LTS:0OJC
68GF Score
Gjensidige Forsikring ASA LTS:0OJC
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis
Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 5 mean?
Gjensidige Forsikring ASA (LTS:0OJC) has a Moat Score of 5 as of Jul. 07, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Gjensidige Forsikring ASA ranks #67 out of 598 companies in the Insurance industry, placing it in the top 11.2%.
Is Gjensidige Forsikring ASA's Moat Score too high?
Gjensidige Forsikring ASA's current Moat Score is 5. Based on the distribution chart, Gjensidige Forsikring ASA ranks #67 out of 598 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, Gjensidige Forsikring ASA has a GF Score™ of 68/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Gjensidige Forsikring ASA's Moat Score compare to CB and PGR?
According to the Insurance industry distribution chart, Gjensidige Forsikring ASA ranks #67 out of 598 companies for Moat Score. This places Gjensidige Forsikring ASA in the top 11% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for an Insurance company?
A good Moat Score depends on the Insurance industry context. However, Moat Score 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Gjensidige Forsikring ASA's current Moat Score is 5. 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 kr234.37, compared to a current price of kr272.90 — trading 16.4% above its estimated fair value. The current Moat Score is 5. Gjensidige Forsikring ASA's overall GF Score™ is 68/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Gjensidige Forsikring ASA (LTS:0OJC), the current Moat Score is 5 as of Jul. 07, 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 kr272.90 is trading 16.4% above its estimated GF Value™ of kr234.37. GuruFocus considers Gjensidige Forsikring ASA to be Modestly Overvalued.

Key valuation signals for LTS:0OJC:

  • Moat Score: 5
  • GF Value™: kr234.37 vs. price of kr272.90 (16.4% above fair value)
  • GF Score™: 68/100 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.
68GF Score

Get the complete analysis for LTS:0OJC

Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

kr272.90
Price
kr234.37
GF Value