Insurance Industry: 100% (2025)

Top 3 Markets:

1. Norway: approximately 70%
2. Denmark: approximately 15%
3. Sweden: approximately 10%

Gjensidige Forsikring ASA is a leading company in the insurance services sector, primarily operating in the insurance industry. The majority of revenues come from the domestic market of Norway, accounting for about 70% of total income. Denmark and Sweden are also significant markets, together making up about 25% of revenues. These markets are crucial for the geographical diversification and growth potential of the company.

Production Sites: Norway

Gjensidige Forsikring ASA is a Norwegian insurance company that primarily offers services in the insurance sector. As a service company, Gjensidige does not produce physical products. The services are mainly provided in Norway, where the company is headquartered and carries out the majority of its operational activities.

Growth Strategy: Diversification and Digitalization

Gjensidige Forsikring ASA pursues a strategy aimed at diversification and digitalization to secure future growth. The company plans to expand its product range and enter new markets to strengthen its market position.

A key element of the strategy is the increased use of digital technologies to enhance efficiency and improve customer service. This includes investments in digital platforms and process automation to provide customers with a seamless and personalized experience.

In addition, Gjensidige relies on strategic partnerships and acquisitions to expand its presence in existing and new markets. These measures are intended to increase the company's profitability and ensure long-term growth.

Main Imported Materials: Paper, IT equipment, office supplies
Main Supply Countries: EU countries, China, USA

Gjensidige Forsikring ASA is a Norwegian insurance company that primarily offers services. Therefore, the direct import of raw materials or materials for production is not as relevant to the same extent as for manufacturing companies.

The company mainly imports materials needed for office operations and IT infrastructure. These include paper, IT equipment, and general office supplies. These materials are mainly sourced from EU countries, China, and the USA, as these regions are leading in the production and export of such goods.

As the company operates in the service industry, the focus is more on optimizing processes and services rather than on importing raw materials.

Market share in Norway: 25% (2023)
Customer satisfaction: 82% (2023)
Combined Ratio: 86.5% (2023)

Gjensidige Forsikring ASA has a significant competitive advantage, especially in the Norwegian market, where the company holds a market share of about 25%. This demonstrates the strong position and the trust of customers in the company's services.

The high customer satisfaction of 82% underscores the quality of customer service and the effectiveness of the insurance products offered. Another indicator of the competitive advantage is the Combined Ratio of 86.5%, which points to an efficient cost structure and a profitable insurance business.

In summary, Gjensidige Forsikring ASA possesses a strong competitive advantage through its market leadership, high customer satisfaction, and efficient operations, positioning the company well to overcome future challenges and continue to grow.

Institutional Investor Share: approximately 60% (2025, estimated)

Insider Purchases/Sales: No significant transactions in the last quarter (2025, estimated)

The institutional investor share in Gjensidige Forsikring ASA is typically around 60%. This demonstrates the confidence of large investors in the company's stability and growth potential.

There were no significant insider transactions in the last quarter, indicating a stable internal assessment of the company's development. Insider purchases or sales are often seen as indicators of management's expectations for the company's future development.

Market share of Gjensidige Forsikring ASA: 25% (estimated for 2025)

Main competitors and their market shares:

1. Tryg A/S: 20%
2. If P&C Insurance: 18%
3. Storebrand ASA: 15%
4. DNB Forsikring: 12%
5. SpareBank 1 Forsikring: 10%

Moat of Gjensidige Forsikring ASA:

Gjensidige Forsikring ASA has a significant moat, mainly based on its strong brand recognition and long-standing market presence. The company benefits from high customer satisfaction and a broad product portfolio, allowing it to effectively serve various customer segments.

Compared to its competitors, Gjensidige has the advantage of an established infrastructure and an extensive distribution network, which enhances customer loyalty. This gives the company a competitive edge, especially in a market characterized by trust and long-term customer relationships.

However, some competitors, such as Tryg A/S and If P&C Insurance, have also developed strong moats through specialized insurance products and innovative digital solutions. These companies are heavily investing in technology to increase their efficiency and enhance the customer experience, which could give them an advantage in certain segments.

Revenue Growth: 4.5% (2024) Profit Growth: 3.8% (2024) Dividend Yield: 5.1% (2024)

Gjensidige Forsikring ASA recorded a moderate revenue growth of 4.5% in 2024, indicating stable demand for its insurance products and services. The profit growth of 3.8% shows that the company was able to increase its profitability despite a competitive market.

The dividend yield of 5.1% is attractive and suggests that the company offers its shareholders a solid return. This could be particularly interesting for investors seeking regular income.

Overall, Gjensidige Forsikring ASA demonstrates stable financial performance with a solid dividend offering. For investors interested in a stable income stream, the stock could be a good investment, especially for those interested in the long-term stability and growth of the company.

Dividend yield: 4.5% (2025, estimated) Dividend history: Continuous payout over the last 5 years

Gjensidige Forsikring ASA is known for its reliable dividend policy. The company has consistently distributed dividends in recent years, indicating a stable financial performance and a solid capital base.

The estimated dividend yield of 4.5% in 2025 shows that Gjensidige Forsikring offers an attractive payout for investors. This reliability is supported by a strong market position and an effective risk management strategy, allowing the company to pay dividends even in economically challenging times.