PROTECTOR FORSIKRING ASA (PROT.OL) Stock Fundamental Analysis

OSL:PROT • NO0010209331

497 NOK
-10 (-1.97%)
Last: Feb 12, 2026, 04:19 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership
Fundamental Rating

5

Taking everything into account, PROT scores 5 out of 10 in our fundamental rating. PROT was compared to 43 industry peers in the Insurance industry. While PROT has a great profitability rating, there are quite some concerns on its financial health. PROT shows excellent growth, but is valued quite expensive already.


Dividend Valuation Growth Profitability Health

7

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.
  • Each year in the past 5 years PROT has been profitable.
  • In multiple years PROT reported negative operating cash flow during the last 5 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 1B 2B 3B

1.2 Ratios

  • PROT has a Return On Assets of 9.15%. This is amongst the best in the industry. PROT outperforms 100.00% of its industry peers.
  • The Return On Equity of PROT (34.04%) is better than 100.00% of its industry peers.
  • The Return On Invested Capital of PROT (10.33%) is better than 97.67% of its industry peers.
  • PROT had an Average Return On Invested Capital over the past 3 years of 8.51%. This is significantly above the industry average of 2.92%.
  • The last Return On Invested Capital (10.33%) for PROT is above the 3 year average (8.51%), which is a sign of increasing profitability.
Industry RankSector Rank
ROA 9.15%
ROE 34.04%
ROIC 10.33%
ROA(3y)7.54%
ROA(5y)7.45%
ROE(3y)31.9%
ROE(5y)33.35%
ROIC(3y)8.51%
ROIC(5y)8.01%
PROT.OL Yearly ROA, ROE, ROICPROT.OL Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 10 -10 20 30

1.3 Margins

  • PROT's Profit Margin of 17.51% is amongst the best of the industry. PROT outperforms 93.02% of its industry peers.
  • PROT's Profit Margin has been stable in the last couple of years.
  • PROT has a better Operating Margin (25.48%) than 90.70% of its industry peers.
  • PROT's Operating Margin has improved in the last couple of years.
Industry RankSector Rank
OM 25.48%
PM (TTM) 17.51%
GM N/A
OM growth 3Y2.12%
OM growth 5Y9.46%
PM growth 3Y-1.14%
PM growth 5Y-0.92%
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 10 20

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ROAROEROICOperating and Profit MarginShow most profitable peers

3

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.
  • PROT has a worse debt/assets ratio than last year.
PROT.OL Yearly Shares OutstandingPROT.OL Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M
PROT.OL Yearly Total Debt VS Total AssetsPROT.OL Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5B 10B 15B 20B 25B

2.2 Solvency

  • An Altman-Z score of 2.46 indicates that PROT is not a great score, but indicates only limited risk for bankruptcy at the moment.
  • Looking at the Altman-Z score, with a value of 2.46, PROT belongs to the top of the industry, outperforming 100.00% of the companies in the same industry.
  • A Debt/Equity ratio of 0.30 indicates that PROT is not too dependend on debt financing.
  • PROT has a Debt to Equity ratio of 0.30. This is in the better half of the industry: PROT outperforms 76.74% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.3
Debt/FCF N/A
Altman-Z 2.46
ROIC/WACC1.24
WACC8.34%
PROT.OL Yearly LT Debt VS Equity VS FCFPROT.OL Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 2B 4B 6B

2.3 Liquidity

  • PROT has a Current Ratio of 0.18. 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 better Current ratio (0.18) than 65.12% of its industry peers.
  • A Quick Ratio of 0.18 indicates that PROT may have some problems paying its short term obligations.
  • Looking at the Quick ratio, with a value of 0.18, PROT is in the better half of the industry, outperforming 65.12% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 0.18
Quick Ratio 0.18
PROT.OL Yearly Current Assets VS Current LiabilitesPROT.OL Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

9

3. Growth

3.1 Past

  • PROT shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 79.82%, which is quite impressive.
  • Measured over the past years, PROT shows a quite strong growth in Earnings Per Share. The EPS has been growing by 15.29% on average per year.
  • The Revenue has grown by 22.32% 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 27.49% yearly.
EPS 1Y (TTM)79.82%
EPS 3Y15.29%
EPS 5YN/A
EPS Q2Q%184.6%
Revenue 1Y (TTM)22.32%
Revenue growth 3Y24.46%
Revenue growth 5Y27.49%
Sales Q2Q%20.16%

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 10.74% yearly.
  • Based on estimates for the next years, PROT will show a very strong growth in Revenue. The Revenue will grow by 20.48% on average per year.
EPS Next Y0.56%
EPS Next 2Y35.13%
EPS Next 3Y13.19%
EPS Next 5Y10.74%
Revenue Next Year36.19%
Revenue Next 2Y27.48%
Revenue Next 3Y21.25%
Revenue Next 5Y20.48%

3.3 Evolution

  • Although the future EPS growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
  • The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
PROT.OL Yearly Revenue VS EstimatesPROT.OL Yearly Revenue VS EstimatesYearly Revenue VS Estimates 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0 10 20 30

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Find the best growth stocksShow best growing peers

2

4. Valuation

4.1 Price/Earnings Ratio

  • PROT is valuated quite expensively with a Price/Earnings ratio of 27.07.
  • Based on the Price/Earnings ratio, PROT is valued expensively inside the industry as 83.72% of the companies are valued cheaper.
  • The average S&P500 Price/Earnings ratio is at 28.18. PROT is around the same levels.
  • Based on the Price/Forward Earnings ratio of 14.83, the valuation of PROT can be described as correct.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of PROT indicates a slightly more expensive valuation: PROT is more expensive than 76.74% of the companies listed in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 28.01, PROT is valued a bit cheaper.
Industry RankSector Rank
PE 27.07
Fwd PE 14.83
PROT.OL Price Earnings VS Forward Price EarningsPROT.OL Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

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 high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates PROT does not grow enough to justify the current Price/Earnings ratio.
  • 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 13.19% in the coming years.
PEG (NY)48.73
PEG (5Y)N/A
EPS Next 2Y35.13%
EPS Next 3Y13.19%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

3

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 2.69%, PROT has a reasonable but not impressive dividend return.
  • PROT's Dividend Yield is slightly below the industry average, which is at 4.23.
  • Compared to an average S&P500 Dividend Yield of 1.80, PROT pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 2.69%

5.2 History

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

5.3 Sustainability

  • 37.86% of the earnings are spent on dividend by PROT. This is a low number and sustainable payout ratio.
DP37.86%
EPS Next 2Y35.13%
EPS Next 3Y13.19%
PROT.OL Yearly Income VS Free CF VS DividendPROT.OL Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 1B 2B
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 (2/12/2026, 4:19:52 PM)

497

-10 (-1.97%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)01-29
Earnings (Next)04-23
Inst Owners35.33%
Inst Owner ChangeN/A
Ins Owners0.39%
Ins Owner ChangeN/A
Market Cap41.00B
Revenue(TTM)14.91B
Net Income(TTM)2.61B
Analysts84.44
Price Target622.2 (25.19%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 2.69%
Yearly Dividend12
Dividend Growth(5Y)N/A
DP37.86%
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)0
Avg Revenue beat(2)-2.91%
Min Revenue beat(2)-3.17%
Max Revenue beat(2)-2.65%
Revenue beat(4)0
Avg Revenue beat(4)-3.1%
Min Revenue beat(4)-4.49%
Max Revenue beat(4)-2.09%
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)8.16%
PT rev (3m)8.16%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)-1.29%
EPS NY rev (3m)1.42%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)-2.96%
Valuation
Industry RankSector Rank
PE 27.07
Fwd PE 14.83
P/S 2.75
P/FCF N/A
P/OCF N/A
P/B 5.34
P/tB 5.43
EV/EBITDA N/A
EPS(TTM)18.36
EY3.69%
EPS(NY)33.52
Fwd EY6.75%
FCF(TTM)-2.44
FCFYN/A
OCF(TTM)-1.15
OCFYN/A
SpS180.76
BVpS93.02
TBVpS91.59
PEG (NY)48.73
PEG (5Y)N/A
Graham Number196.03
Profitability
Industry RankSector Rank
ROA 9.15%
ROE 34.04%
ROCE 13.56%
ROIC 10.33%
ROICexc 10.47%
ROICexgc 11.11%
OM 25.48%
PM (TTM) 17.51%
GM N/A
FCFM N/A
ROA(3y)7.54%
ROA(5y)7.45%
ROE(3y)31.9%
ROE(5y)33.35%
ROIC(3y)8.51%
ROIC(5y)8.01%
ROICexc(3y)8.64%
ROICexc(5y)8.13%
ROICexgc(3y)9.32%
ROICexgc(5y)9.25%
ROCE(3y)11.16%
ROCE(5y)10.51%
ROICexgc growth 3Y5.83%
ROICexgc growth 5Y15.21%
ROICexc growth 3Y6.87%
ROICexc growth 5Y20.43%
OM growth 3Y2.12%
OM growth 5Y9.46%
PM growth 3Y-1.14%
PM growth 5Y-0.92%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.52
Health
Industry RankSector Rank
Debt/Equity 0.3
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales 0.71%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 0.18
Quick Ratio 0.18
Altman-Z 2.46
F-Score5
WACC8.34%
ROIC/WACC1.24
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)0.67%
Cap/Sales(5y)0.69%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)79.82%
EPS 3Y15.29%
EPS 5YN/A
EPS Q2Q%184.6%
EPS Next Y0.56%
EPS Next 2Y35.13%
EPS Next 3Y13.19%
EPS Next 5Y10.74%
Revenue 1Y (TTM)22.32%
Revenue growth 3Y24.46%
Revenue growth 5Y27.49%
Sales Q2Q%20.16%
Revenue Next Year36.19%
Revenue Next 2Y27.48%
Revenue Next 3Y21.25%
Revenue Next 5Y20.48%
EBIT growth 1Y62.92%
EBIT growth 3Y27.84%
EBIT growth 5Y34.44%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-116.45%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-107.34%
OCF growth 3YN/A
OCF growth 5YN/A

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 2 / 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 27.07 and the Price/Book (PB) ratio is 5.34.


Is the dividend of PROTECTOR FORSIKRING ASA sustainable?

The dividend rating of PROTECTOR FORSIKRING ASA (PROT.OL) is 4 / 10 and the dividend payout ratio is 37.86%.