Gjensidige is a listed Nordic non-life group with a distinctive ownership link to Gjensidigestiftelsen. Shareholder control, consolidated country reporting and the legal identity of each insurer are separate questions despite the common Gjensidige name.
What to read first
The reports-and-presentations library leads to the audited group statements. Share-owner material explains the foundation's stake, rating and bond disclosures name the relevant issuer, and regulatory publications address their stated group or undertaking scope.
Reporting perimeter and reporting period
The group reports in NOK for a calendar year and organises insurance performance by geography and business. Those reporting units may differ from the licensed insurer that carries a policy or files a local return.
Official sources and what they establish
Annual report
- Publisher: Gjensidige
- Period: FY2025
- Scope: Gjensidige Forsikring group and report-defined segments/geographies
Supports audited FY2025 group, segment, capital, and legal-entity evidence.
Key figures/results
- Publisher: Gjensidige
- Period: FY2025 under IFRS 9 and IFRS 17
- Scope: Gjensidige group
Insurance revenue was NOK 42.8 billion and insurance service result was NOK 7.1 billion.
Ratings/debt
- Publisher: Gjensidige
- Period: Rating table updated April 2026
- Scope: Gjensidige Forsikring ASA and individually identified debt instruments
Official corporate profile
- Publisher: Gjensidige
- Period: Current profile
- Scope: Norway, Sweden and Denmark; Norwegian pension/savings exception
Supports leading Nordic non-life insurer identity and 4,150 employees in three countries.
Exchange/listing
- Publisher: Euronext Oslo Børs
- Period: Current listing
- Scope: Gjensidige Forsikring ASA, ISIN NO0010582521
Group, legal-entity and subsidiary boundaries
Gjensidige Forsikring ASA is the listed Norwegian parent and a legal entity within the consolidated Gjensidige group. Local insurers remain separately licensed undertakings even when their results appear within a country segment. Gjensidigestiftelsen's ownership interest concerns control of the listed parent; group solvency evidence covers the stated consolidated perimeter, while solo filings apply only to the insurer identified in the document.
Interpretation notes and limitations
A combined ratio retains the company's earned-premium basis and period. Foundation ownership does not convert the listed company into a mutual insurer, while group capital and subsidiary ratings remain separately scoped. Currency differences matter across Nordic operations.
Related intelligence
Sources and methodology
- Annual report — Gjensidige; FY2025; Gjensidige Forsikring group and report-defined segments/geographies.
- Key figures/results — Gjensidige; FY2025 under IFRS 9 and IFRS 17; Gjensidige group.
- Ratings/debt — Gjensidige; Rating table updated April 2026; Gjensidige Forsikring ASA and individually identified debt instruments.
- Official corporate profile — Gjensidige; Current profile; Norway, Sweden and Denmark; Norwegian pension/savings exception.
- Exchange/listing — Euronext Oslo Børs; Current listing; Gjensidige Forsikring ASA, ISIN NO0010582521.