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PROTECTOR FORSIKRING ASA (PROT.OL) Stock Fundamental Analysis

OSL:PROT - Euronext Oslo - NO0010209331 - Common Stock - Currency: NOK

407  +2.5 (+0.62%)

Fundamental Rating

5

PROT gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 38 industry peers in the Insurance industry. PROT has only an average score on both its financial health and profitability. PROT is valued quite expensive, but it does show an excellent growth.


Dividend Valuation Growth Profitability Health

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6

1. Profitability

1.1 Basic Checks

PROT had positive earnings in the past year.
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.
PROT.OL Yearly Net Income VS EBIT VS OCF VS FCFPROT.OL Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 500M -500M 1B 1.5B 2B

1.2 Ratios

The Return On Assets of PROT (6.68%) is better than 100.00% of its industry peers.
The Return On Equity of PROT (31.52%) is better than 100.00% of its industry peers.
PROT has a better Return On Invested Capital (7.75%) than 97.37% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for PROT is significantly above the industry average of 2.30%.
Industry RankSector Rank
ROA 6.68%
ROE 31.52%
ROIC 7.75%
ROA(3y)7.22%
ROA(5y)6.78%
ROE(3y)32.76%
ROE(5y)33%
ROIC(3y)7.88%
ROIC(5y)6.75%
PROT.OL Yearly ROA, ROE, ROICPROT.OL Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 -10 20 30

1.3 Margins

PROT's Profit Margin of 14.25% is amongst the best of the industry. PROT outperforms 81.58% of its industry peers.
In the last couple of years the Profit Margin of PROT has declined.
The Operating Margin of PROT (21.23%) is better than 84.21% of its industry peers.
PROT's Operating Margin has declined in the last couple of years.
Industry RankSector Rank
OM 21.23%
PM (TTM) 14.25%
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
PROT.OL Yearly Profit, Operating, Gross MarginsPROT.OL Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 20

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4

2. Health

2.1 Basic Checks

PROT has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
Compared to 1 year ago, PROT has about the same amount of shares outstanding.
Compared to 5 years ago, PROT has more shares outstanding
The debt/assets ratio for PROT has been reduced compared to a year ago.
PROT.OL Yearly Shares OutstandingPROT.OL Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M
PROT.OL Yearly Total Debt VS Total AssetsPROT.OL Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B 15B 20B

2.2 Solvency

An Altman-Z score of 1.98 indicates that PROT is not a great score, but indicates only limited risk for bankruptcy at the moment.
The Altman-Z score of PROT (1.98) is better than 97.37% of its industry peers.
A Debt/Equity ratio of 0.46 indicates that PROT is not too dependend on debt financing.
PROT has a Debt to Equity ratio of 0.46. This is in the better half of the industry: PROT outperforms 76.32% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.46
Debt/FCF N/A
Altman-Z 1.98
ROIC/WACC0.94
WACC8.27%
PROT.OL Yearly LT Debt VS Equity VS FCFPROT.OL Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2B 4B

2.3 Liquidity

PROT has a Current Ratio of 0.06. 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 Current ratio, with a value of 0.06, PROT is in the better half of the industry, outperforming 71.05% of the companies in the same industry.
A Quick Ratio of 0.06 indicates that PROT may have some problems paying its short term obligations.
PROT's Quick ratio of 0.06 is fine compared to the rest of the industry. PROT outperforms 71.05% of its industry peers.
Industry RankSector Rank
Current Ratio 0.06
Quick Ratio 0.06
PROT.OL Yearly Current Assets VS Current LiabilitesPROT.OL Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M

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8

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 36.45% over the past year.
Measured over the past 5 years, PROT shows a small growth in Earnings Per Share. The EPS has been growing by 7.66% on average per year.
The Revenue has grown by 20.81% in the past year. This is a very strong growth!
PROT shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 22.85% yearly.
EPS 1Y (TTM)36.45%
EPS 3Y7.66%
EPS 5YN/A
EPS Q2Q%63.64%
Revenue 1Y (TTM)20.81%
Revenue growth 3Y27.1%
Revenue growth 5Y22.85%
Sales Q2Q%7.74%

3.2 Future

The Earnings Per Share is expected to grow by 12.18% on average over the next years. This is quite good.
The Revenue is expected to grow by 13.78% on average over the next years. This is quite good.
EPS Next Y13.15%
EPS Next 2Y14.67%
EPS Next 3Y12.18%
EPS Next 5YN/A
Revenue Next Year15.85%
Revenue Next 2Y12.5%
Revenue Next 3Y13.78%
Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
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.
PROT.OL Yearly Revenue VS EstimatesPROT.OL Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 5B 10B 15B
PROT.OL Yearly EPS VS EstimatesPROT.OL Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0 5 10 15 20 25

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3

4. Valuation

4.1 Price/Earnings Ratio

PROT is valuated rather expensively with a Price/Earnings ratio of 18.36.
PROT's Price/Earnings ratio is a bit more expensive when compared to the industry. PROT is more expensive than 68.42% of the companies 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 16.77 indicates a correct valuation of PROT.
Based on the Price/Forward Earnings ratio, PROT is valued a bit more expensive than 78.95% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of PROT to the average of the S&P500 Index (22.19), we can say PROT is valued slightly cheaper.
Industry RankSector Rank
PE 18.36
Fwd PE 16.77
PROT.OL Price Earnings VS Forward Price EarningsPROT.OL Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30 40

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
PROT.OL Per share dataPROT.OL EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 50 100 150

4.3 Compensation for Growth

The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct 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 12.18% in the coming years.
PEG (NY)1.4
PEG (5Y)N/A
EPS Next 2Y14.67%
EPS Next 3Y12.18%

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3

5. Dividend

5.1 Amount

PROT has a Yearly Dividend Yield of 2.22%.
With a Dividend Yield of 2.22, PROT pays less dividend than the industry average, which is at 4.47. 84.21% of the companies listed in the same industry pay a better dividend than PROT!
Compared to an average S&P500 Dividend Yield of 2.40, PROT has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 2.22%

5.2 History

Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years0

5.3 Sustainability

PROT pays out 36.19% of its income as dividend. This is a sustainable payout ratio.
DP36.19%
EPS Next 2Y14.67%
EPS Next 3Y12.18%
PROT.OL Yearly Income VS Free CF VS DividendPROT.OL Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 500M -500M 1B 1.5B
PROT.OL Dividend Payout.PROT.OL Dividend Payout, showing the Payout Ratio.PROT.OL Dividend Payout.PayoutRetained Earnings

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PROTECTOR FORSIKRING ASA

OSL:PROT (6/19/2025, 4:19:31 PM)

407

+2.5 (+0.62%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)04-23 2025-04-23/amc
Earnings (Next)07-11 2025-07-11
Inst Owners35.41%
Inst Owner ChangeN/A
Ins Owners1.74%
Ins Owner ChangeN/A
Market Cap33.58B
Analysts84.44
Price Target397.8 (-2.26%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 2.22%
Yearly Dividend9
Dividend Growth(5Y)N/A
DP36.19%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
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)1
Avg Revenue beat(2)-1.32%
Min Revenue beat(2)-4.49%
Max Revenue beat(2)1.85%
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
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)5.41%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-31.22%
EPS NY rev (1m)0%
EPS NY rev (3m)-9.5%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)4.86%
Valuation
Industry RankSector Rank
PE 18.36
Fwd PE 16.77
P/S 2.63
P/FCF N/A
P/OCF N/A
P/B 5.81
P/tB 5.92
EV/EBITDA N/A
EPS(TTM)22.17
EY5.45%
EPS(NY)24.28
Fwd EY5.96%
FCF(TTM)-3.64
FCFYN/A
OCF(TTM)-2.79
OCFYN/A
SpS155.02
BVpS70.1
TBVpS68.7
PEG (NY)1.4
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 6.68%
ROE 31.52%
ROCE 10.18%
ROIC 7.75%
ROICexc 7.81%
ROICexgc 8.48%
OM 21.23%
PM (TTM) 14.25%
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%
ROICexcg growth 3Y-2.94%
ROICexcg 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-Score4
Asset Turnover0.47
Health
Industry RankSector Rank
Debt/Equity 0.46
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales 0.55%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 0.06
Quick Ratio 0.06
Altman-Z 1.98
F-Score4
WACC8.27%
ROIC/WACC0.94
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)36.45%
EPS 3Y7.66%
EPS 5YN/A
EPS Q2Q%63.64%
EPS Next Y13.15%
EPS Next 2Y14.67%
EPS Next 3Y12.18%
EPS Next 5YN/A
Revenue 1Y (TTM)20.81%
Revenue growth 3Y27.1%
Revenue growth 5Y22.85%
Sales Q2Q%7.74%
Revenue Next Year15.85%
Revenue Next 2Y12.5%
Revenue Next 3Y13.78%
Revenue Next 5YN/A
EBIT growth 1Y32.43%
EBIT growth 3Y16.52%
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-132.95%
FCF growth 3Y10.04%
FCF growth 5Y-2.19%
OCF growth 1Y-124.06%
OCF growth 3Y10.09%
OCF growth 5Y-1.74%