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Investor Relations14 Oct 2025
Boost Your Earnings Season Strategy With Real‑Time Alerts
Quartr Pro provides real time alerts, trend analysis and live coverage, giving analysts and investors instant insights to act faster in earnings.
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 summary29 Sep, 2025
Executive summary
Q3 2025 pre-close call focused on reminders of previously disclosed information and key dates for the upcoming results release, with a silent period starting October 1 and Q3 results due October 24; consensus estimates are due by October 10.
Trading performance and revenue trends
Q3 and Q2 typically have lower claims ratios due to seasonality, with Q3 2025 being warmer and drier than usual, though some regions experienced storms and torrential rain in Norway and Denmark.
No significant natural peril events have occurred in Scandinavia so far in Q3 2025.
Results for ADB Gjensidige (Baltics) will be presented separately as discontinued operations until the transaction completes, expected by early 2026.
Profitability and margins
Q3 2024 included a NOK 123 million write-down related to the sale of the Baltics business, recognized in Other Items.
Discontinuation of the Core Suite/CoreSuite IT system for pensions will impact Q3 2025 profit before tax by approximately NOK 400 million, but not Solvency II eligible funds.
Large losses for 2025 are estimated at NOK 500 million per quarter, though this is not formal guidance.
Identified excess reserves cannot be retained under IFRS 17; run-off gains and losses are expected to continue.
Core Suite termination's Solvency II impact?
Net Solvency II impact from Tier 1 bond?
Is large loss estimate a quarterly guidance?
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Next Gjensidige Forsikring earnings date
Q3 202524 Oct, 2025
Next Gjensidige Forsikring earnings date
Q3 202524 Oct, 2025
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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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