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Edge12 Dec 2025
Running on Clouds: The Story of On
The story of how a Swiss runner's pursuit of a new running sensation became On, aiming to be the most premium global sportswear brand worldwide.
Gjensidige Forsikring (GJF) investor relations material
Gjensidige Forsikring Pre-Close Call summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Pre-Close Call summary19 Dec, 2025
Executive summary
Q4 2025 earnings release is scheduled for January 29, with consensus estimates published on January 24 and submissions due by January 16; a pre-close call was held with no new business updates.
Silent period starts January 1, 2026.
Trading performance and revenue trends
Q4 and Q1 typically see higher claims ratios due to seasonality, with Q4 2025 marked by a mild winter, above-average precipitation, and regional variability.
Storm Amy in October 2025 led to estimated NOK 400 million in claims for Q4, net of reinsurance and including reinstatement premiums.
Large losses for 2025 are estimated at approximately NOK 500 million per quarter, based on annualized expectations.
Losses up to NOK 30 million are charged to segments, with the remainder allocated to the Corporate Center.
Baltics business (ADB Gjensidige) results are presented as discontinued operations until the transaction completes early next year.
Profitability and margins
Reserves continue to be set according to best estimates, with expectations for future run-off gains and losses.
Identified excess reserves cannot be retained under IFRS 17.
Storm Amy's segment P&L impact
Q4 dividend deduction for eligible funds
What drives eligible Tier 2 loan increase?
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Next Gjensidige Forsikring earnings date
Q4 202529 Jan, 2026
Next Gjensidige Forsikring earnings date
Q4 202529 Jan, 2026
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Frequently asked questions
Gjensidige Forsikring ASA provides general insurance and pension products in Norway, Sweden, Denmark, Latvia, Lithuania, and Estonia. It offers life insurance, health insurance, and accident insurance; as well as various tailored credit life insurance products. Gjensidige Forsikring ASA also provides savings plans and other savings plans, such as pension plans, pension annuities, and long-term care insurance. In addition, it focuses on insuring against pension commitment; other direct cost commitments; repair or replacement of living accommodation; economic disappearance; and business interruption due to accidental damage or property coverage. The company is based in Oslo, Norway.
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