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Consensus

Each quarter Gjensidige will invite external analysts currently covering the company to provide consensus estimates.

Reminder

Before entering the silent period, Gjensidige Investor Relations reminds analysts about relevant items for the quarter. All listed items should already be publicly known. In the file below you will find the latest consensus invitation and reminders for the quarter.

Go to the Reminder

Gjensidige will publish consensus estimates each quarter.

The consensus estimates represent the average of individual estimates collected from external independent analysts. Gjensidige cannot vouch for the content of the estimates. 

In the file below you will find the latest consensus estimates, and a list of the participating brokerages.

Consensus estimates:

Consensus estimates, NOK million*

 AVERAGEMEDIANHIGHLOW# of participating analystsAVERAGE# of participating analysts
 Q3 2023Q3 2023Q3 2023Q3 2023 202320242025 
Insurance service result Private699694798635122 6062 9473 13912
Insurance service result Commercial794780947615122 4282 7882 96012
Insurance service result Denmark253240354196121 0391 0551 10412
Insurance service result Sweden48498201218515716712
Insurance service result Baltics171452-101219243912
Insurance service result Corporate Center-466-472 -318-65012-1 61-780-79712
Insurance service result general insurance1 3441 3331 6041048125 2156 1926 61212
Profit/loss before tax expense Pension343964-10127817018112
Financial result from the investment portfolio149161551-266121 4052 5372 63612
Insurance/ reinsurance finance income or expenses - unwinding general insurance-286-288-220-33112-1041-1 159-116912
Insurance/ reinsurance finance income or expenses - change in financial assumptions general insurance826436016124040012
Other items-109-108- 99-13512-471-446-43312
Profit or loss before tax expense1 2141 1901 620502125 5897 294 7 82912
Tax expense (continuing operations)-276-277-125-37612-1 265-1 674-1 793 12
Profit/(loss) 9389251228376124 32456206 03512
* The consensus estimates represent the average of individual estimates collected from external independent analysts. Gjensidige cannot vouch for the content of the estimates. Participating analysts: ABG,ABGSC, Autonomous, Barclays, Berenberg, BofA, BNPP, Citi, Danske, DNB Markets, Mediobanca, Nordea and SEB

Consensus estimates, key figures*

 AVERAGEMEDIANHIGHLOW# of participating analystsAVERAGE# of participating analysts
 Q3 2023Q3 2023Q3 2023Q3 2023 202320242025 
Solvency ratio (approved partial internal model)181 %180 %184 %177 %11174 %176 %181 %11
Insurance revenue from general insurance9 047 9 100 9 210 8 6091235 64937 63539 15212
Large losses, net of reinsurance NOK million603485879 290121 6571 4471 487 12
Run-off gains/losses, net of reinsurance NOK million133134188581252954456212
Change in risk adjustment, net of reinsurance10461-91261171612
Net Reinsurance ratio1,7 %1,4 %6,9 %-1,3 %121,3 %1,0 %1,1 %12
Loss ratio, net of reinsurance71,8%71,4 %75,6 %68,9 %1271,9 %70,2 %69,9 %12
Cost ratio13,3 %13,1 %15,8 %12,5 %1213,4 %13,3 %13,3 %12
Combined ratio 85,1 %85,1 %88,4 %82,3 %1285,4 %83,5%83,1 %12
Underlying frequency loss ratio66,8 %66,6 %68,1 %65,2 %1268,9 %67,9 %67,5 %12
Dividend pr share NOK based on annual result     8,45 8,779,1312
Dividend pr share NOK from excess capital distribution     0,270,67 0,89 12
* The consensus estimates represent the average of individual estimates collected from external independent analysts. Gjensidige cannot vouch for the content of the estimates. Participating analysts: ABGSC, Autonomous, Barclays, Berenberg, BofA, BNPP, Citi, Danske, DNB Markets, Mediobanca, Nordea and SEB.