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Gjensidige Forsikring ASALTS:0OJC -0.64%63 Return-on-Tangible-Asset is 4.48% as of Jun. 2026, which is 27% above its 10-year median of 3.52. 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. Among 509 Insurance companies, Gjensidige Forsikring ASA ranks better than 62.08% on this metric.
Return-on-Tangible-Asset is calculated as Net Income divided by its average total tangible assets. Total tangible assets equals to Total Assets minus Intangible Assets. Gjensidige Forsikring ASA's annualizedNet Income for the quarter that ended in Jun. 2026 was kr8,490 Mil. Gjensidige Forsikring ASA's average total tangible assets for the quarter that ended in Jun. 2026 was kr189,490 Mil. Therefore, Gjensidige Forsikring ASA's annualized Return-on-Tangible-Asset for the quarter that ended in Jun. 2026 was 4.48%.
The historical rank and industry rank for Gjensidige Forsikring ASA's Return-on-Tangible-Asset or its related term are showing as below:
LTS:0OJC'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: 2.51 Med: 3.52 Max: 6.15
Current: 3.69
During the past 13 years, Gjensidige Forsikring ASA's highest Return-on-Tangible-Asset was 6.15%. The lowest was 2.51%. And the median was 3.52%.
LTS:0OJC's Return-on-Tangible-Asset is ranked better than 62.08% of 509
companies
in the Insurance industry
Industry Median: 2.76
vs LTS:0OJC: 3.69
Return-on-Tangible-Asset measures the rate of return on the average total tangible assets (total assets minus intangible assets). Tangible means physical in nature. Intangible Assets are assets that are not physical in nature, and typically "derive their value from legal or intellectual rights." Return-on-Tangible-Asset measures a firm's efficiency at generating profits from its tangible assets. It shows how well a company uses what it has to generate earnings. Return-on-Tangible-Assets can vary drastically across industries. Therefore, Return-on-Tangible-Asset should not be used to compare companies in different industries.
Be Aware
Like ROE and ROA, Return-on-Tangible-Asset is calculated with only 12 months data. Fluctuations in the companys earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. Return-on-Tangible-Asset can be affected by events such as stock buyback or issuance, and by a companys tax rate and its interest payment. Return-on-Tangible-Asset may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high Return-on-Tangible-Asset may indicate vulnerability in the durability of the competitive advantage.
Gjensidige Forsikring ASA Return-on-Tangible-Asset Related Terms
Gjensidige Forsikring ASA Return-on-Tangible-Asset Historical Data
* Premium members only.
The historical data trend for Gjensidige Forsikring ASA's Return-on-Tangible-Asset 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.
LTS:0OJC vs CB, PGR, TRV: Return-on-Tangible-Asset Comparison
For the Insurance - Property & Casualty subindustry, Gjensidige Forsikring ASA's Return-on-Tangible-Asset, along with its competitors' market caps and Return-on-Tangible-Asset 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 Return-on-Tangible-Asset vs Insurance Industry
For the Insurance industry and Financial Services sector, Gjensidige Forsikring ASA's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Gjensidige Forsikring ASA's Return-on-Tangible-Asset falls into.
* 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 Return-on-Tangible-Asset, the net income of the last fiscal year and the average total tangible assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Jun. 2026) net income data.
What does a Return-on-Tangible-Asset of 4.48% mean?
Gjensidige Forsikring ASA (LTS:0OJC) has a Return-on-Tangible-Asset of 4.48% as of Jun. 2026. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Gjensidige Forsikring ASA and its competitors. This is 27% above median its historical median of 3.52. Over the past decade, Gjensidige Forsikring ASA's Return-on-Tangible-Asset has ranged from 2.51 to 6.15. According to the industry distribution chart, Gjensidige Forsikring ASA ranks #193 out of 509 companies in the Insurance industry, placing it in the top 37.9%.
Is Gjensidige Forsikring ASA's Return-on-Tangible-Asset too high?
Gjensidige Forsikring ASA's current Return-on-Tangible-Asset of 4.48% is 27% above median its 10-year median of 3.52. Over the past 10 years, this metric has ranged from a low of 2.51 to a high of 6.15. The Insurance industry median Return-on-Tangible-Asset is 2.76. Gjensidige Forsikring ASA's value of 4.48% is 62.3% above this industry median. Based on the distribution chart, Gjensidige Forsikring ASA ranks #193 out of 509 companies in the Insurance industry, which is above the industry midpoint. 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 Return-on-Tangible-Asset compare to CB and PGR?
According to the Insurance industry distribution chart, Gjensidige Forsikring ASA ranks #193 out of 509 companies for Return-on-Tangible-Asset. This puts Gjensidige Forsikring ASA in the upper half of its industry. The industry median Return-on-Tangible-Asset is 2.76. Gjensidige Forsikring ASA's value of 4.48% is 62.3% above this benchmark. Historically, Gjensidige Forsikring ASA's own Return-on-Tangible-Asset has ranged from 2.51 to 6.15 over the past decade. While the company's 10-year median is 3.52 vs. the industry median of 2.76, 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 Return-on-Tangible-Asset for an Insurance company?
The median Return-on-Tangible-Asset among Insurance companies is 2.76, based on 509 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Asset significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Gjensidige Forsikring ASA's current Return-on-Tangible-Asset of 4.48% is 62.3% 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 Return-on-Tangible-Asset mean?
A high Return-on-Tangible-Asset can signal that a stock is expensive relative to its fundamentals. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Gjensidige Forsikring ASA and its competitors. For the Insurance industry, the median Return-on-Tangible-Asset is 2.76 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Gjensidige Forsikring ASA's current Return-on-Tangible-Asset is 4.48%, which is 27% above median its own 10-year median of 3.52. 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 Return-on-Tangible-Asset is 4.48%, which is 27% above median its 10-year median of 3.52 and 62.3% above the Insurance industry median of 2.76. 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 Return-on-Tangible-Asset calculated?
Return-on-Tangible-Asset is calculated from a company's financial statements. For Gjensidige Forsikring ASA (LTS:0OJC), the current Return-on-Tangible-Asset is 4.48% 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:
Return-on-Tangible-Asset: 4.48% (27% above median its 10-year median of 3.52)
GF Value™: kr241.74 vs. price of kr277.50 (14.8% above fair value)
Industry Position: 62.3% above the Insurance median (#193 of 509)
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 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
Return-on-Tangible-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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