ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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.
Be Aware
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their ROE %s can be extremely high.
* 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 ROE %, along with its competitors' market caps and ROE % 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 ROE % vs Insurance Industry
For the Insurance industry and Financial Services sector, Gjensidige Forsikring ASA's ROE % distribution charts can be found below:
* The bar in red indicates where Gjensidige Forsikring ASA's ROE % 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 ROE %, the net income of the last fiscal year and the average total shareholder equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Mar. 2026) net income data.
ROE % is displayed in the 30-year financial page.
Gjensidige Forsikring ASA (LTS:0OJC) has a ROE % of 27.49% as of Mar. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Gjensidige Forsikring ASA and its competitors. This is 37% above median its historical median of 20.07. Over the past decade, Gjensidige Forsikring ASA's ROE % has ranged from 14.21 to 28.73. According to the industry distribution chart, Gjensidige Forsikring ASA ranks #52 out of 502 companies in the Insurance industry, placing it in the top 10.4%.
Is Gjensidige Forsikring ASA's ROE % too high?
Gjensidige Forsikring ASA's current ROE % of 27.49% is 37% above median its 10-year median of 20.07. Over the past 10 years, this metric has ranged from a low of 14.21 to a high of 28.73. The Insurance industry median ROE % is 11.73. Gjensidige Forsikring ASA's value of 27.49% is 134.4% above this industry median. Based on the distribution chart, Gjensidige Forsikring ASA ranks #52 out of 502 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 ROE % compare to CB and PGR?
According to the Insurance industry distribution chart, Gjensidige Forsikring ASA ranks #52 out of 502 companies for ROE %. This places Gjensidige Forsikring ASA in the top 10% of its industry — outperforming the majority of peers. The industry median ROE % is 11.73. Gjensidige Forsikring ASA's value of 27.49% is 134.4% above this benchmark. Historically, Gjensidige Forsikring ASA's own ROE % has ranged from 14.21 to 28.73 over the past decade. While the company's 10-year median is 20.07 vs. the industry median of 11.73, 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 ROE % for an Insurance company?
The median ROE % among Insurance companies is 11.73, based on 502 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Gjensidige Forsikring ASA's current ROE % of 27.49% is 134.4% 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Gjensidige Forsikring ASA and its competitors. For the Insurance industry, the median ROE % is 11.73 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Gjensidige Forsikring ASA's current ROE % is 27.49%, which is 37% above median its own 10-year median of 20.07. 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 kr234.23, compared to a current price of kr266.60 — trading 13.8% above its estimated fair value. The current ROE % is 27.49%, which is 37% above median its 10-year median of 20.07 and 134.4% above the Insurance industry median of 11.73. Gjensidige Forsikring ASA's overall GF Score™ is 68/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROE % calculated?
ROE % is calculated from a company's financial statements. For Gjensidige Forsikring ASA (LTS:0OJC), the current ROE % is 27.49% as of Mar. 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 kr266.60 is trading 13.8% above its estimated GF Value™ of kr234.23.
GuruFocus considers Gjensidige Forsikring ASA to be Modestly Overvalued.
Key valuation signals for LTS:0OJC:
ROE %: 27.49% (37% above median its 10-year median of 20.07)
GF Value™: kr234.23 vs. price of kr266.60 (13.8% above fair value)
Industry Position: 134.4% above the Insurance median (#52 of 502)
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.
68GF Score
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