Gjensidige Forsikring ASA (OSTO:GJFO) Altman Z-Score

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

OSTO:GJFO Gjensidige Forsikring ASA OSTO:GJFO
67 GF Score
Price kr274.80
GF Value kr238.62
Valuation Modestly Overvalued
! 4 Warning Signs
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What is Gjensidige Forsikring ASA Altman Z-Score?

The Altman Z-Score is a model designed to predict the likelihood of a company going bankrupt within the next two years. Created by American finance professor Edward Altman in 1968, the model is specifically designed for publicly traded manufacturing companies with assets greater than $1 million.

Altman Z-Score does not apply to banks and insurance companies.

OSTO:GJFO
67GF Score
Gjensidige Forsikring ASA OSTO:GJFO
Altman Z-Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Is Gjensidige Forsikring ASA (OSTO:GJFO) Overvalued in 2026?

Based on GuruFocus' analysis, Gjensidige Forsikring ASA stock appears to be overvalued. The current stock price of kr274.80 is trading 15.2% above its estimated GF Value™ of kr238.62. GuruFocus considers Gjensidige Forsikring ASA to be Modestly Overvalued.

Key valuation signals for OSTO:GJFO:

  • Altman Z-Score:
  • GF Value™: kr238.62 vs. price of kr274.80 (15.2% above fair value)
  • GF Score™: 67/100 with 4 warning signs

No single metric tells the full story. See the OSTO:GJFO 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.
67GF Score

Get the complete analysis for OSTO:GJFO

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

kr274.80
Price
kr238.62
GF Value