Gjensidige Forsikring ASA (GJF.OL) is currently considered not halal (non-compliant), per In-house ratio engine (last assessed 2026-08-27). See the full ratio breakdown and business-activity screen below for the reasoning.
⚠️ Financial ratios are only half the screen, and this verdict does not rest on them. Our business-activity screen classifies Gjensidige Forsikring ASA under conventional insurance, which is an excluded sector — so the verdict is non-compliant even though some ratios below pass. Business activity is a hard gate that ratio math never captures.
Computed from Yahoo Finance fundamentals (Tier-4 provider, no filing available), balance sheet as of 2025-12-31. GJF.OL files no SEC reports, so these ratios come from the issuer's own published statements rather than XBRL.
Business activity: conventional_insurance
| Ratio | Value | Threshold | Result |
|---|---|---|---|
| Interest-bearing debt | 4.20% | 30.00% | Pass |
| Interest-bearing investments | 2.88% | 30.00% | Pass |
| Non-permissible income | 4.38% | 5.00% | Pass |
| Ratio | Value | Threshold | Result |
|---|---|---|---|
| Interest-bearing debt | 3.37% | 33.33% | Pass |
| Cash + interest-bearing securities | 2.31% | 33.33% | Pass |
| Accounts receivable | 7.19% | 33.33% | Pass |
| Non-permissible income | 4.38% | 5.00% | Pass |
| Ratio | Value | Threshold | Result |
|---|---|---|---|
| Interest-bearing debt | 3.37% | 33.33% | Pass |
| Cash + interest-bearing securities | 2.31% | 33.33% | Pass |
| Accounts receivable | 7.19% | 50.00% | Pass |
| Non-permissible income | 4.38% | 5.00% | Pass |
Scored against a trailing-average market cap (24-month), share-weighted by the issuer's own reported share counts — not today's market cap.
| Ratio | Value | Threshold | Result |
|---|---|---|---|
| Interest-bearing debt | 4.89% | 33.00% | Pass |
| Cash + interest-bearing securities | 3.35% | 33.00% | Pass |
| Accounts receivable | 7.09% | 33.00% | Pass |
| Non-permissible income | 4.38% | 5.00% | Pass |
Scored against a trailing-average market cap (36-month), share-weighted by the issuer's own reported share counts — not today's market cap.
| Ratio | Value | Threshold | Result |
|---|---|---|---|
| Interest-bearing debt | 5.55% | 33.00% | Pass |
| Cash + interest-bearing securities | 3.80% | 49.00% | Pass |
| Accounts receivable | 8.05% | 49.00% | Pass |
| Non-permissible income | 4.38% | 5.00% | Pass |
Scored against a trailing-average market cap (36-month), share-weighted by the issuer's own reported share counts — not today's market cap.
| Ratio | Value | Threshold | Result |
|---|---|---|---|
| Interest-bearing debt | 5.55% | 33.33% | Pass |
| Cash + interest-bearing securities | 3.80% | 33.33% | Pass |
| Accounts receivable | 11.85% | 49.00% | Pass |
| Non-permissible income | 4.38% | 5.00% | Pass |
Research only, not investment advice. Thresholds are each standard-setter's published limits; a ratio marked “at least” is a floor, not a ceiling.
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Classic floor-trader pivots from the last completed daily bar. Highlighted pills are the levels bracketing the current price.
The range is measured volatility (ATR over the horizon), not a target — a wider band means a more volatile asset, not a stronger view. The direction is the indicator tally above. Every forecast is recorded when made and scored against the real price when it comes due, including the wrong ones. Not a recommendation, and not a fatwa.
| Indicator | Value | Signal |
|---|---|---|
| RSI (14) | 45.70 | NEUTRAL |
| Stochastic %K (14) | 21.67 | NEUTRAL |
| CCI (20) | -79.71 | NEUTRAL |
| Williams %R (14) | -78.33 | NEUTRAL |
| MACD (12,26,9) | -0.86 | SELL |
| ROC (10) | -1.91 | SELL |
| Momentum (10) | -5.40 | SELL |
| EMA (10) | 280.05 | SELL |
| SMA (10) | 281.14 | SELL |
| EMA (20) | 280.63 | SELL |
| SMA (20) | 281.39 | SELL |
| EMA (30) | 280.10 | SELL |
| SMA (30) | 281.47 | SELL |
| EMA (50) | 277.76 | BUY |
| SMA (50) | 279.69 | SELL |
| EMA (100) | 272.39 | BUY |
| SMA (100) | 268.89 | BUY |
| EMA (200) | 268.62 | BUY |
| SMA (200) | 264.98 | BUY |
Standard indicator thresholds (RSI 30/70, Stochastic 20/80, CCI ±100, Williams %R −80/−20, MACD histogram sign, price vs. average) computed on daily bars. A summary of what common indicators say — not a recommendation, and not this site's own trading verdict.
Financial Services · Insurance - Property & Casualty
Gjensidige Forsikring ASA, together with its subsidiaries, provides general insurance and pension products in Norway, Sweden, Denmark, Finland, Latvia, Lithuania, and Estonia. It operates in four segments: General Insurance Private, General Insurance Commercial, General Insurance Sweden, and Pension. The company offers motor, property, travel, accident and health, general liability, natural perils, agriculture, medical treatment and expense, disability, income protection, workers' compensation, motor vehicle liability, marine, aviation, transport, fire and other damage to property, assistance, other non-life, and life insurance products, as well as non-proportional non-life reinsurance products. It also provides defined contribution occupational pension schemes for businesses, including disability pension, spouse/cohabitant pension, and child's pension; and individual pension savings agreements. The company sells its products to private individuals, commercial and agricultural customers, and private and commercial markets through various distribution channels comprising customer service centres, office channel, call center, Internet, partners, agents, and external brokers. Gjensidige Forsikring ASA was founded in 1816 and is headquartered in Oslo, Norway.
Background via Yahoo Finance — informational, not part of the verdict.
Research only, not the primary verdict above — SEC EDGAR (the source for the main in-house research card, if shown) has no data for this symbol, so this is computed from a real, country-specific filing instead. Business-activity screening isn't part of this check.
Based on the filing period ending 2024-12-31, figures in NOK.
Peer movement computing — it will appear here on its own.
NO DATA 0 buys · 0 sells
NEUTRAL report date 2026-09-08 · Asset managers net 912361 (-21819)
Plain-language summary of the evidence already on this page — the Sharia screen, structure, momentum, and order flow above. It explains the read; it doesn't make the call. Generated on demand (a live AI call), never run automatically.