Gjensidige Forsikring ASA GJF
Oslo Børs · Financial Services · Insurance - Property & Casualty
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Guidance from Gjensidige Forsikring
BetaWhat the company says it expects, and how often it has delivered on it.
Guidance in the latest report
- Customer satisfaction score target, Group (2028)
“Customer satisfaction 77 77 >78, Group” (p. 9) - Customer retention target, Norway (2028)
“90 % 90 % >90%, Norway” (p. 9) - Customer retention target, Denmark (2028)
“87 % 87 % >86%, Denmark” (p. 9) - Digital distribution index annual growth target, Group (2028)
“Digital distribution index 10.2 % 7.3 % +5-10% annually, Group” (p. 9) - Distribution efficiency improvement target, Private (2028)
“10.7 % 7.7 % >+20%, Private” (p. 9) - Distribution efficiency improvement target, Commercial (2028)
“3.0 % 2.9 % >+12%, Commercial” (p. 9) - Straight-through processing target, Norway (2028)
“Straight-through processing 42 % 41 % 55%, Norway” (p. 9) - Investments in distribution and underwriting capacity expected to support higher growth in Denmark (medium term)
“In Denmark, investments in distribution and increased underwriting capacity are expected to support higher growth.” (p. 3)
Guidance against the outcome
| Given | What | Period | Guided | Actual | Outcome |
|---|---|---|---|---|---|
| 2025-01-24 | Combined ratio Combined ratio <84% |
2025 | ≤ 84.0 % | 83.4 % | Met |
| 2022-04-27 | Combined ratio A combined ratio below 85 per cent |
2025 | ≤ 85.0 % | 83.4 % | Met |
| 2023-07-14 | Combined ratio A combined ratio below 84 per cent |
2023 | ≤ 84.0 % | 87.6 % | Above |
| 2023-01-25 | Combined ratio A combined ratio below 84 per cent |
2023 | ≤ 84.0 % | 87.6 % | Above |
| 2021-01-22 | Combined ratio A combined ratio of between 86 and 89 per cent (undiscounted) |
2022 | 86.0 % – 89.0 % | 81.4 % | Below |
Amounts in NOK million. Each outcome counts from the day the report with the actual figure was published, as a backtest sees it. Hover a metric for the report's own words; click the date or the actual figure to open the report on its page.
Guidance only counts when it names a year or quarter and a figure the reports show: revenue, operating profit, margins, EPS and bank and insurance ratios. Read by an AI model and can be wrong. Not investment advice.
Not investment advice. Figures may contain errors from the data source.