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STOCK COMPARISON

Gjensidige Forsikring ASA vs Progressive: Fair Value & Quality

Both stocks run through our valuation models. Here is how Gjensidige Forsikring ASA (GJF) and Progressive (PGR) compare, as of Aug 8, 2026.

As of Aug 8, 2026, Fair Value Calculator sees Progressive as the more attractively valued of the two: Gjensidige Forsikring ASA trades at NOK 282 versus a fair value of NOK 170 (-40%), while Progressive trades at $215 versus $253 (+17%).
Gjensidige Forsikring ASA
GJF.OL · NOK · Financials
-40%
upside to fair value
overvalued
PriceNOK 282
Fair ValueNOK 170
Quality61/100
Progressive
PGR · USD · Financials
+17%
upside to fair value
undervalued
Price$215
Fair Value$253
Quality63/100

Head-to-head numbers

Green value = the better side for that row (for valuation multiples: lower = cheaper).

Gjensidige Forsikring ASAProgressive
Valuation
21.7×P/E (TTM)11.7×
2.91×P/S (TTM)1.50×
4.89×P/B4.43×
14.3×EV/EBITDA9.3×
1.62×PEG35.19×
3.6%Dividend yield0.2%
NOK 10.00Dividend per share$0.40
Profitability
14%Net margin13%
24%Operating margin16%
27%Return on equity38%
3%Return on assets8%
Growth
6%Revenue growth (YoY)9%
11.1%Avg. growth/yr (3Y)20.9%
9.0%Avg. growth/yr (5Y)15.5%
Balance & size
0.15×Debt / equity0.23×
$15BMarket cap$134B
healthyGrowth qualitymixed

Progressive leads: 5 to 9 metric wins.

Dash = not meaningfully computable, for example with negative equity.

Quality in detail

The quality score, broken down into the same factor families as on the stock page, 0 to 100 per family.

Gjensidige Forsikring ASAof which business quality 49 · market factors 69 Progressiveof which business quality 64 · market factors 57
ProfitabilityMargins and returns on capital today
45
61
Quality GrowthAre margins and returns improving?
51
64
CashflowEarnings quality: real cash, not paper profit
56
81
Fin. StrengthBalance sheet, leverage, solvency risk
8
54
InvestmentDisciplined investing over empire-building
74
37
Low VolatilityCalm price path (market factor)
95
88
MomentumPrice trend over the last 3–12 months (market factor)
52
47
52W MomentumDistance to the 52-week high (market factor)
68
41
Net IssuanceBuybacks instead of dilution
82
81

What the models say

The median fair value (base case) per model family, each in the currency of its trading venue. Green = above the current price, red = below.

Gjensidige Forsikring ASA

DCF ModelsNOK 163
Earnings-BasedNOK 70.68
Dividend DiscountNOK 168
MultiplesNOK 109
Asset-BasedNOK 37.93
Growth DCFNOK 143
Economic ProfitNOK 54.58
Growth EarningsNOK 225

26 of 26 models see the stock below the current price.

Progressive

DCF Models$521
Earnings-Based$285
Multiples$322
Asset-Based$34.90
Growth DCF$602
Economic Profit$243
Growth Earnings$406

4 of 24 models see the stock below the current price.

Scenario ranges

From our cautious bear case to the optimistic bull case. The white tick is the current price: left of fair value means room to run.

Gjensidige Forsikring ASA
Bear NOK 128Fair Value NOK 170Bull NOK 213
NOK 282 = current price (white tick)
Progressive
Bear $189Fair Value $253Bull $316
$215 = current price (white tick)

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Ranked within their sector

Where each stock sits within its sector peer group. Band = middle 50% of peers, tick = median, dot = this stock.

Gjensidige Forsikring ASA · Financials

Quality score61 · above median
Fair value upside-40% · below median

Progressive · Financials

Quality score63 · above median
Fair value upside+17% · above median

Bottom line

As of Aug 8, 2026, Fair Value Calculator sees Progressive as the more attractively valued of the two: Gjensidige Forsikring ASA trades at NOK 282 versus a fair value of NOK 170 (-40%), while Progressive trades at $215 versus $253 (+17%).

Progressive has the higher quality score (63/100).

See the full analysis →
Gjensidige Forsikring ASA · Progressive

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A model-based valuation snapshot from 21 models. Values change with price and fundamentals; the date shown above applies.