GJENSIDIGE FORSI.UNSP.ADR (XGJ0) - Net Assets
Based on the latest financial reports, GJENSIDIGE FORSI.UNSP.ADR (XGJ0) has net assets worth €21.91 Billion EUR (≈ $25.61 Billion USD) as of March 2026. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (€195.25 Billion ≈ $228.27 Billion USD) and total liabilities (€173.35 Billion ≈ $202.66 Billion USD). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off. Check GJENSIDIGE FORSI.UNSP.ADR (XGJ0) strategic asset index to assess the company's strategic physical and investment asset allocation.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | €21.91 Billion |
| % of Total Assets | 11.22% |
| Annual Growth Rate | 5.72% |
| 5-Year Change | N/A |
| 10-Year Change | N/A |
| Growth Volatility | 3.32 |
GJENSIDIGE FORSI.UNSP.ADR - Net Assets Trend (2022–2025)
This chart illustrates how GJENSIDIGE FORSI.UNSP.ADR's net assets have evolved over time, based on quarterly financial data. Explore investment intensity of GJENSIDIGE FORSI.UNSP.ADR to see how much of total assets are deployed in long-term investments.
Annual Net Assets for GJENSIDIGE FORSI.UNSP.ADR (2022–2025)
The table below shows the annual net assets of GJENSIDIGE FORSI.UNSP.ADR from 2022 to 2025. For live valuation and market cap data, see market cap of GJENSIDIGE FORSI.UNSP.ADR.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | €28.31 Billion ≈ $33.10 Billion |
+8.82% |
| 2024-12-31 | €26.02 Billion ≈ $30.42 Billion |
+7.35% |
| 2023-12-31 | €24.23 Billion ≈ $28.33 Billion |
+1.15% |
| 2022-12-31 | €23.96 Billion ≈ $28.01 Billion |
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Equity Component Analysis
This analysis shows how different components contribute to GJENSIDIGE FORSI.UNSP.ADR's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have decreased by 0.0% over the analyzed period, potentially due to dividend distributions or operating losses.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Other Components | €28.31 Billion | 100.00% |
| Total Equity | €28.31 Billion | 100.00% |
GJENSIDIGE FORSI.UNSP.ADR Competitors by Market Cap
The table below lists competitors of GJENSIDIGE FORSI.UNSP.ADR ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Littelfuse Inc
NASDAQ:LFUS
|
$11.78 Billion |
|
Krung Thai Bank Public Company Limited
F:NVPB
|
$11.81 Billion |
|
China Development Financial Holding Corp
TW:2883
|
$11.81 Billion |
|
Shanghai Rural Commercial Bank Co Ltd
SHG:601825
|
$11.81 Billion |
|
B3 S.A. UNSP.ADR/1
F:YBV0
|
$11.78 Billion |
|
Zhejiang Zheneng Electric Power Co Ltd
SHG:600023
|
$11.77 Billion |
|
Harmony Gold Mining Company Ltd
BA:HMY
|
$11.76 Billion |
|
On Holding Ltd
NYSE:ONON
|
$11.75 Billion |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in GJENSIDIGE FORSI.UNSP.ADR's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 26,007,400,000 to 28,307,200,000, a change of 2,299,800,000 (8.8%).
- Net income of 6,556,100,000 contributed positively to equity growth.
- Dividend payments of 4,999,700,000 reduced retained earnings.
- Other factors increased equity by 743,400,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | €6.56 Billion | +23.16% |
| Dividends Paid | €5.00 Billion | -17.66% |
| Other Changes | €743.40 Million | +2.63% |
| Total Change | €- | 8.84% |
Book Value vs Market Value Analysis
This analysis compares GJENSIDIGE FORSI.UNSP.ADR's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 0.41x
- The company is trading below its book value, potentially indicating the market believes the assets are overvalued on the balance sheet or anticipates future losses.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2022-12-31 | €47.92 | €23.00 | x |
| 2023-12-31 | €48.46 | €23.00 | x |
| 2024-12-31 | €52.02 | €23.00 | x |
| 2025-12-31 | €56.62 | €23.00 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently GJENSIDIGE FORSI.UNSP.ADR utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 23.16%
- The company demonstrates strong efficiency in generating profits from shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 14.59%
- • Asset Turnover: 0.23x
- • Equity Multiplier: 6.78x
- Recent ROE (23.16%) is above the historical average (18.58%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2022 | 14.35% | 11.58% | 0.23x | 5.35x | €1.04 Billion |
| 2023 | 17.05% | 11.16% | 0.25x | 6.12x | €1.71 Billion |
| 2024 | 19.77% | 12.67% | 0.24x | 6.59x | €2.54 Billion |
| 2025 | 23.16% | 14.59% | 0.23x | 6.78x | €3.73 Billion |
Industry Comparison
This section compares GJENSIDIGE FORSI.UNSP.ADR's net assets metrics with peer companies in the Insurance - Property & Casualty industry.
Industry Context
- Industry: Insurance - Property & Casualty
- Average net assets among peers: $52,585,164,286
- Average return on equity (ROE) among peers: 8.93%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| GJENSIDIGE FORSI.UNSP.ADR (XGJ0) | €21.91 Billion | 14.35% | 7.91x | $11.78 Billion |
| ZhongAn Online P & C Insurance Co. Ltd (1ZO) | $16.47 Billion | -10.59% | 0.60x | $2.16 Billion |
| POWSZECHNY Z.U.ADR /1 ZY1 (7PZ0) | $48.42 Billion | 7.81% | 7.86x | $12.87 Billion |
| REVO INSURANCE SPA O.N. (H0O) | $244.48 Million | 7.60% | 1.12x | $683.94 Million |
| Insurance Australia Group Limited (NRM) | $6.94 Billion | 13.64% | 3.29x | $10.48 Billion |
| The People's Insurance Company (Group) of China Limited (PIR) | $206.30 Billion | 6.26% | 4.00x | $5.82 Billion |
| PICC Property and Casualty Company Limited (PJC) | $85.78 Billion | 17.62% | 3.27x | $12.73 Billion |
| WHITE MTNS INS. GRP DL 1 (WNI) | $3.94 Billion | 20.15% | 0.88x | $4.33 Billion |
About GJENSIDIGE FORSI.UNSP.ADR
Gjensidige Forsikring ASA, together with its subsidiaries, provides general insurance and pension products in Norway, Sweden, Denmark, Finland, Latvia, Lithuania, and Estonia. It operates in four segments: General Insurance Private, General Insurance Commercial, General Insurance Sweden, and Pension. The company offers motor, property, travel, accident and health, general liability, natural peril… Read more