PROTECTOR FORSIKRING ASA (PROT.OL) Stock Fundamental Analysis
Europe - Euronext Oslo - OSL:PROT - NO0010209331 - Common Stock
500 NOK
+10.5 (+2.15%)
Overall PROT gets a fundamental rating of 5 out of 10. We evaluated PROT against 50 industry peers in the Insurance industry. While PROT has a great profitability rating, there are some minor concerns on its financial health. PROT is valued quite expensive, but it does show an excellent growth.
1. Profitability
1.1 Basic Checks
In the past year PROT was profitable.
In the past year PROT has reported a negative cash flow from operations.
In the past 5 years PROT has always been profitable.
The reported operating cash flow has been mixed in the past 5 years: PROT reported negative operating cash flow in multiple years.
1.2 Ratios
PROT's Return On Assets of 7.45% is amongst the best of the industry. PROT outperforms 100.00% of its industry peers.
The Return On Equity of PROT (33.16%) is better than 100.00% of its industry peers.
Looking at the Return On Invested Capital, with a value of 8.62%, PROT belongs to the top of the industry, outperforming 98.00% of the companies in the same industry.
PROT had an Average Return On Invested Capital over the past 3 years of 7.88%. This is significantly above the industry average of 2.66%.
The last Return On Invested Capital (8.62%) for PROT is above the 3 year average (7.88%), which is a sign of increasing profitability.
| 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
With an excellent Profit Margin value of 15.62%, PROT belongs to the best of the industry, outperforming 88.00% of the companies in the same industry.
In the last couple of years the Profit Margin of PROT has declined.
The Operating Margin of PROT (23.32%) is better than 86.00% 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.
PROT has about the same amout of shares outstanding than it did 1 year ago.
PROT has more shares outstanding than it did 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 2.19 indicates that PROT is not a great score, but indicates only limited risk for bankruptcy at the moment.
With an excellent Altman-Z score value of 2.19, PROT belongs to the best of the industry, outperforming 98.00% of the companies in the same industry.
A Debt/Equity ratio of 0.49 indicates that PROT is not too dependend on debt financing.
PROT has a better Debt to Equity ratio (0.49) than 64.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.49 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 2.19 |
ROIC/WACC1.03
WACC8.35%
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's Current ratio of 0.16 is fine compared to the rest of the industry. PROT outperforms 66.00% of its industry peers.
PROT has a Quick 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.
Looking at the Quick ratio, with a value of 0.16, PROT is in the better half of the industry, outperforming 66.00% of the companies in the same industry.
| 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.
PROT shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 7.66% yearly.
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 13.69% yearly.
PROT is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 14.35% yearly.
EPS Next Y64.27%
EPS Next 2Y19.3%
EPS Next 3Y13.69%
EPS Next 5YN/A
Revenue Next Year18.98%
Revenue Next 2Y14.76%
Revenue Next 3Y14.35%
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
The Price/Earnings ratio is 19.02, which indicates a rather expensive current valuation of PROT.
Compared to the rest of the industry, the Price/Earnings ratio of PROT indicates a slightly more expensive valuation: PROT is more expensive than 70.00% of the companies listed in the same industry.
PROT is valuated rather cheaply when we compare the Price/Earnings ratio to 26.34, which is the current average of the S&P500 Index.
A Price/Forward Earnings ratio of 19.03 indicates a rather expensive valuation of PROT.
Based on the Price/Forward Earnings ratio, PROT is valued more expensive than 90.00% of the companies in the same industry.
PROT is valuated at similar levels of the S&P average when we compare the Price/Forward Earnings ratio to 23.56, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 19.02 | ||
| Fwd PE | 19.03 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PROT's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PROT has a very decent profitability rating, which may justify a higher PE ratio.
A more expensive valuation may be justified as PROT's earnings are expected to grow with 13.69% in the coming years.
PEG (NY)0.3
PEG (5Y)N/A
EPS Next 2Y19.3%
EPS Next 3Y13.69%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 1.65%, PROT has a reasonable but not impressive dividend return.
With a Dividend Yield of 1.65, PROT pays less dividend than the industry average, which is at 4.38. 88.00% 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 2.31.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.65% |
5.2 History
Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
PROT pays out 34.30% of its income as dividend. This is a sustainable payout ratio.
DP34.3%
EPS Next 2Y19.3%
EPS Next 3Y13.69%
OSL:PROT (12/9/2025, 12:34:05 PM)
500
+10.5 (+2.15%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners36.22%
Inst Owner ChangeN/A
Ins Owners1.74%
Ins Owner ChangeN/A
Market Cap41.25B
Revenue(TTM)13.85B
Net Income(TTM)2.16B
Analysts84.44
Price Target575.28 (15.06%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.65% |
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%
EPS NY rev (3m)-2.3%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.29%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.22%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 19.02 | ||
| Fwd PE | 19.03 | ||
| P/S | 2.98 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 6.32 | ||
| P/tB | 6.44 | ||
| EV/EBITDA | N/A |
EPS(TTM)26.29
EY5.26%
EPS(NY)26.28
Fwd EY5.26%
FCF(TTM)-5.54
FCFYN/A
OCF(TTM)-4.39
OCFYN/A
SpS167.89
BVpS79.07
TBVpS77.7
PEG (NY)0.3
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 | 2.19 |
F-Score2
WACC8.35%
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 Y64.27%
EPS Next 2Y19.3%
EPS Next 3Y13.69%
EPS Next 5YN/A
Revenue 1Y (TTM)12.23%
Revenue growth 3Y27.1%
Revenue growth 5Y22.85%
Sales Q2Q%10.7%
Revenue Next Year18.98%
Revenue Next 2Y14.76%
Revenue Next 3Y14.35%
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.
What is the valuation status for PROT stock?
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.
Can you provide the PE and PB ratios for PROT stock?
The Price/Earnings (PE) ratio for PROTECTOR FORSIKRING ASA (PROT.OL) is 19.02 and the Price/Book (PB) ratio is 6.32.
Can you provide the financial health for PROT stock?
The financial health rating of PROTECTOR FORSIKRING ASA (PROT.OL) is 4 / 10.