PROTECTOR FORSIKRING ASA (PROT.OL) Stock Fundamental Analysis
Europe - Euronext Oslo - OSL:PROT - NO0010209331 - Common Stock
512 NOK
-9 (-1.73%)
Overall PROT gets a fundamental rating of 5 out of 10. We evaluated PROT against 49 industry peers in the Insurance industry. While PROT has a great profitability rating, there are some minor concerns on its financial health. PROT shows excellent growth, but is valued quite expensive already.
1. Profitability
1.1 Basic Checks
PROT had positive earnings in the past year.
PROT had a negative operating cash flow in the past year.
In the past 5 years PROT has always been profitable.
In multiple years PROT reported negative operating cash flow during the last 5 years.
1.2 Ratios
The Return On Assets of PROT (7.45%) is better than 100.00% of its industry peers.
PROT has a better Return On Equity (33.16%) than 100.00% of its industry peers.
With an excellent Return On Invested Capital value of 8.62%, PROT belongs to the best of the industry, outperforming 97.96% of the companies in the same industry.
Measured over the past 3 years, the Average Return On Invested Capital for PROT is significantly above the industry average of 2.69%.
The 3 year average ROIC (7.88%) for PROT is below the current ROIC(8.62%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 7.45% | ||
| ROE | 33.16% | ||
| ROIC | 8.62% |
ROA(3y)7.22%
ROA(5y)6.78%
ROE(3y)32.76%
ROE(5y)33%
ROIC(3y)7.88%
ROIC(5y)6.75%
1.3 Margins
PROT has a Profit Margin of 15.62%. This is amongst the best in the industry. PROT outperforms 91.84% of its industry peers.
In the last couple of years the Profit Margin of PROT has declined.
The Operating Margin of PROT (23.32%) is better than 85.71% of its industry peers.
In the last couple of years the Operating Margin of PROT has declined.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 23.32% | ||
| PM (TTM) | 15.62% | ||
| GM | N/A |
OM growth 3Y-8.32%
OM growth 5YN/A
PM growth 3Y-15.26%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
PROT has a Return on Invested Capital (ROIC), which is just above the Cost of Capital (WACC), which means it is creating some value.
The number of shares outstanding for PROT remains at a similar level compared to 1 year ago.
The number of shares outstanding for PROT has been increased compared to 5 years ago.
The debt/assets ratio for PROT has been reduced compared to a year ago.
2.2 Solvency
An Altman-Z score of 2.26 indicates that PROT is not a great score, but indicates only limited risk for bankruptcy at the moment.
The Altman-Z score of PROT (2.26) is better than 97.96% of its industry peers.
PROT has a Debt/Equity ratio of 0.49. This is a healthy value indicating a solid balance between debt and equity.
PROT has a better Debt to Equity ratio (0.49) than 63.27% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.49 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 2.26 |
ROIC/WACC1.03
WACC8.36%
2.3 Liquidity
PROT has a Current Ratio of 0.16. This is a bad value and indicates that PROT is not financially healthy enough and could expect problems in meeting its short term obligations.
PROT has a Current ratio of 0.16. This is in the better half of the industry: PROT outperforms 67.35% of its industry peers.
A Quick Ratio of 0.16 indicates that PROT may have some problems paying its short term obligations.
The Quick ratio of PROT (0.16) is better than 67.35% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.16 | ||
| Quick Ratio | 0.16 |
3. Growth
3.1 Past
PROT shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 9.95%, which is quite good.
The Earnings Per Share has been growing slightly by 7.66% on average over the past years.
The Revenue has grown by 12.23% in the past year. This is quite good.
The Revenue has been growing by 22.85% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)9.95%
EPS 3Y7.66%
EPS 5YN/A
EPS Q2Q%-21.13%
Revenue 1Y (TTM)12.23%
Revenue growth 3Y27.1%
Revenue growth 5Y22.85%
Sales Q2Q%10.7%
3.2 Future
PROT is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 15.52% yearly.
The Revenue is expected to grow by 15.65% on average over the next years. This is quite good.
EPS Next Y62.98%
EPS Next 2Y20.86%
EPS Next 3Y15.52%
EPS Next 5YN/A
Revenue Next Year19.33%
Revenue Next 2Y14.4%
Revenue Next 3Y15.65%
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
Although the future Revenue growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 19.48, the valuation of PROT can be described as rather expensive.
Based on the Price/Earnings ratio, PROT is valued a bit more expensive than 75.51% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 26.60. PROT is valued slightly cheaper when compared to this.
PROT is valuated rather expensively with a Price/Forward Earnings ratio of 18.98.
Compared to the rest of the industry, the Price/Forward Earnings ratio of PROT indicates a rather expensive valuation: PROT more expensive than 91.84% of the companies listed in the same industry.
PROT's Price/Forward Earnings ratio indicates a similar valuation than the S&P500 average which is at 23.23.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 19.48 | ||
| Fwd PE | 18.98 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
The decent profitability rating of PROT may justify a higher PE ratio.
A more expensive valuation may be justified as PROT's earnings are expected to grow with 15.52% in the coming years.
PEG (NY)0.31
PEG (5Y)N/A
EPS Next 2Y20.86%
EPS Next 3Y15.52%
5. Dividend
5.1 Amount
PROT has a Yearly Dividend Yield of 1.53%.
Compared to an average industry Dividend Yield of 4.08, PROT's dividend is way lower than its industry peers. On top of this 85.71% of the companies listed in the same industry pay a better dividend than PROT!
PROT's Dividend Yield is slightly below the S&P500 average, which is at 1.94.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.53% |
5.2 History
Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
34.30% of the earnings are spent on dividend by PROT. This is a low number and sustainable payout ratio.
DP34.3%
EPS Next 2Y20.86%
EPS Next 3Y15.52%
OSL:PROT (1/5/2026, 12:00:17 PM)
512
-9 (-1.73%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners35.33%
Inst Owner ChangeN/A
Ins Owners0.39%
Ins Owner ChangeN/A
Market Cap42.24B
Revenue(TTM)13.85B
Net Income(TTM)2.16B
Analysts84.44
Price Target575.28 (12.36%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.53% |
Yearly Dividend9
Dividend Growth(5Y)N/A
DP34.3%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-4.46%
Min EPS beat(2)-15.54%
Max EPS beat(2)6.62%
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)0
Avg Revenue beat(2)-2.37%
Min Revenue beat(2)-2.65%
Max Revenue beat(2)-2.09%
Revenue beat(4)1
Avg Revenue beat(4)-1.85%
Min Revenue beat(4)-4.49%
Max Revenue beat(4)1.85%
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0%
PT rev (3m)2.36%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-1.49%
EPS NY rev (1m)-0.78%
EPS NY rev (3m)-3.07%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.29%
Revenue NY rev (1m)0.29%
Revenue NY rev (3m)0.07%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 19.48 | ||
| Fwd PE | 18.98 | ||
| P/S | 3.05 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 6.48 | ||
| P/tB | 6.59 | ||
| EV/EBITDA | N/A |
EPS(TTM)26.29
EY5.13%
EPS(NY)26.97
Fwd EY5.27%
FCF(TTM)-5.54
FCFYN/A
OCF(TTM)-4.39
OCFYN/A
SpS167.89
BVpS79.07
TBVpS77.7
PEG (NY)0.31
PEG (5Y)N/A
Graham Number216.26
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 7.45% | ||
| ROE | 33.16% | ||
| ROCE | 11.33% | ||
| ROIC | 8.62% | ||
| ROICexc | 8.64% | ||
| ROICexgc | 9.3% | ||
| OM | 23.32% | ||
| PM (TTM) | 15.62% | ||
| GM | N/A | ||
| FCFM | N/A |
ROA(3y)7.22%
ROA(5y)6.78%
ROE(3y)32.76%
ROE(5y)33%
ROIC(3y)7.88%
ROIC(5y)6.75%
ROICexc(3y)8%
ROICexc(5y)6.86%
ROICexgc(3y)8.73%
ROICexgc(5y)8.12%
ROCE(3y)10.35%
ROCE(5y)8.87%
ROICexgc growth 3Y-2.94%
ROICexgc growth 5YN/A
ROICexc growth 3Y6.7%
ROICexc growth 5YN/A
OM growth 3Y-8.32%
OM growth 5YN/A
PM growth 3Y-15.26%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score2
Asset Turnover0.48
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.49 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | 0.69% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | N/A | ||
| Current Ratio | 0.16 | ||
| Quick Ratio | 0.16 | ||
| Altman-Z | 2.26 |
F-Score2
WACC8.36%
ROIC/WACC1.03
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)0.62%
Cap/Sales(5y)0.61%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)9.95%
EPS 3Y7.66%
EPS 5YN/A
EPS Q2Q%-21.13%
EPS Next Y62.98%
EPS Next 2Y20.86%
EPS Next 3Y15.52%
EPS Next 5YN/A
Revenue 1Y (TTM)12.23%
Revenue growth 3Y27.1%
Revenue growth 5Y22.85%
Sales Q2Q%10.7%
Revenue Next Year19.33%
Revenue Next 2Y14.4%
Revenue Next 3Y15.65%
Revenue Next 5YN/A
EBIT growth 1Y17.31%
EBIT growth 3Y16.52%
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y47.78%
FCF growth 3Y10.04%
FCF growth 5Y-2.19%
OCF growth 1Y56.17%
OCF growth 3Y10.09%
OCF growth 5Y-1.74%
PROTECTOR FORSIKRING ASA / PROT.OL FAQ
What is the ChartMill fundamental rating of PROTECTOR FORSIKRING ASA (PROT.OL) stock?
ChartMill assigns a fundamental rating of 5 / 10 to PROT.OL.
Can you provide the valuation status for PROTECTOR FORSIKRING ASA?
ChartMill assigns a valuation rating of 3 / 10 to PROTECTOR FORSIKRING ASA (PROT.OL). This can be considered as Overvalued.
How profitable is PROTECTOR FORSIKRING ASA (PROT.OL) stock?
PROTECTOR FORSIKRING ASA (PROT.OL) has a profitability rating of 7 / 10.
What is the valuation of PROTECTOR FORSIKRING ASA based on its PE and PB ratios?
The Price/Earnings (PE) ratio for PROTECTOR FORSIKRING ASA (PROT.OL) is 19.48 and the Price/Book (PB) ratio is 6.48.
Is the dividend of PROTECTOR FORSIKRING ASA sustainable?
The dividend rating of PROTECTOR FORSIKRING ASA (PROT.OL) is 2 / 10 and the dividend payout ratio is 34.3%.