The company has issued more shares over this period, which dilutes each existing shareholder’s stake.
Diluted shares outstanding: 500.1M (2021) → 511.0M (2025)
Gjensidige Forsikring ASA is a Nordic-Baltic financial services provider specializing in general insurance and pension offerings across Norway, Sweden, Denmark, Latvia, Lithuania, and Estonia. The company's operations are segmented into six key areas: General Insurance for Private clients, General Insurance for Commercial entities, country-specific General Insurance divisions for Denmark, Sweden, and the Baltics, and a dedicated Pension segment. Its comprehensive insurance portfolio includes coverages such as motor vehicle, homeowner, personal accident and health, travel, leisure craft, boat, valuables, liability, commercial business, marine/transport, agricultural, natural perils, life, and pet insurance. Furthermore, Gjensidige provides defined contribution occupational pension schemes for businesses, often encompassing disability pension, survivor benefits for spouses or cohabitants, and children's pension provisions. The company reaches its private and commercial clientele through a variety of distribution channels, including physical branches, call centers, online platforms, strategic partners, and independent brokers. Founded in 1816, the firm is headquartered in Oslo, Norway.
When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.
+3.4% YoY
YoY Growth Rate
Slow revenue growth
-7.7% YoY
YoY Growth Rate
Earnings declining
kr 0/ year
0.0% of revenue
Below sector average (7%)
Research and development spending
Cash flow positive
kr 4.6B cash & investments
Quarterly Free Cash Flow
↑ Burn rate improving
Company generates more cash than it spends — no dilution risk from fundraising
Gjensidige Forsikring ASA is growing revenue at 3% year-over-year. The Winston Score measures business quality today — these growth metrics show what could matter tomorrow.
The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.
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ROIC above 25%. Every dollar invested in the business earns more than 25 cents back per year.
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Single-digit earnings growth — steady but not exciting.
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FCF margin between 10% and 20%. Every $100 in sales becomes $10 to $20 in real cash.
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Interest coverage above 8. Profits cover interest many times over.
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P/E above the market average. People are paying up for expected growth.
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Standard yield zone for stable dividend payers. A meaningful piece of total return.
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