PROTECTOR FORSIKRING ASA (PROT.OL) Fundamental Analysis & Valuation

OSL:PROT • NO0010209331

Current stock price

459 NOK
-4.5 (-0.97%)
Last:

This PROT.OL fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

7

1. PROT.OL Profitability Analysis

1.1 Basic Checks

  • In the past year PROT was profitable.
  • PROT had a negative operating cash flow in the past year.
  • 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 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 100.00% 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 2.85%.
  • 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 has a Profit Margin of 17.51%. This is amongst the best in the industry. PROT outperforms 90.48% of its industry peers.
  • In the last couple of years the Profit Margin of PROT has remained more or less at the same level.
  • With an excellent Operating Margin value of 25.48%, PROT belongs to the best of the industry, outperforming 92.86% of the companies in the same industry.
  • 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. PROT.OL Health Analysis

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) just above the Cost of Capital (WACC), PROT is creating some value.
  • PROT has about the same amout of shares outstanding than it did 1 year ago.
  • The number of shares outstanding for PROT has been increased compared to 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 2.36 indicates that PROT is not a great score, but indicates only limited risk for bankruptcy at the moment.
  • PROT has a better Altman-Z score (2.36) than 100.00% of its industry peers.
  • A Debt/Equity ratio of 0.30 indicates that PROT is not too dependend on debt financing.
  • The Debt to Equity ratio of PROT (0.30) is better than 78.57% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.3
Debt/FCF N/A
Altman-Z 2.36
ROIC/WACC1.24
WACC8.31%
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

  • A Current Ratio of 0.18 indicates that PROT may have some problems paying its short term obligations.
  • PROT has a better Current ratio (0.18) than 66.67% of its industry peers.
  • PROT has a Quick 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 Quick ratio (0.18) than 66.67% of its industry peers.
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

7

3. PROT.OL Growth Analysis

3.1 Past

  • PROT shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 70.11%, which is quite impressive.
  • Measured over the past years, PROT shows a very strong growth in Earnings Per Share. The EPS has been growing by 21.56% on average per year.
  • PROT shows a strong growth in Revenue. In the last year, the Revenue has grown by 22.32%.
  • PROT shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 22.83% yearly.
EPS 1Y (TTM)70.11%
EPS 3Y46.04%
EPS 5Y21.56%
EPS Q2Q%184.6%
Revenue 1Y (TTM)22.32%
Revenue growth 3Y25.19%
Revenue growth 5Y22.83%
Sales Q2Q%20.16%

3.2 Future

  • PROT is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -1.41% yearly.
  • Based on estimates for the next years, PROT will show a quite strong growth in Revenue. The Revenue will grow by 13.86% on average per year.
EPS Next Y-10.23%
EPS Next 2Y-4.67%
EPS Next 3Y-1.41%
EPS Next 5YN/A
Revenue Next Year9.68%
Revenue Next 2Y13.86%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is decreasing: in the next years the growth will be less than in the last 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 2028 0 10 20 30

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Find the best growth stocksShow best growing peers

2

4. PROT.OL Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 14.43, the valuation of PROT can be described as correct.
  • 61.90% of the companies in the same industry are cheaper than PROT, based on the Price/Earnings ratio.
  • PROT is valuated rather cheaply when we compare the Price/Earnings ratio to 24.88, which is the current average of the S&P500 Index.
  • PROT is valuated correctly with a Price/Forward Earnings ratio of 16.08.
  • PROT's Price/Forward Earnings ratio is rather expensive when compared to the industry. PROT is more expensive than 83.33% of the companies in the same industry.
  • PROT's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 22.19.
Industry RankSector Rank
PE 14.43
Fwd PE 16.08
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

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

  • PROT has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)0.67
EPS Next 2Y-4.67%
EPS Next 3Y-1.41%

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

3

5. PROT.OL Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 2.80%, PROT has a reasonable but not impressive dividend return.
  • Compared to an average industry Dividend Yield of 4.59, PROT is paying slightly less dividend.
  • PROT's Dividend Yield is a higher than the S&P500 average which is at 1.90.
Industry RankSector Rank
Dividend Yield 2.8%

5.2 History

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

5.3 Sustainability

  • PROT pays out 37.86% of its income as dividend. This is a sustainable payout ratio.
DP37.86%
EPS Next 2Y-4.67%
EPS Next 3Y-1.41%
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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PROT.OL Fundamentals: All Metrics, Ratios and Statistics

PROTECTOR FORSIKRING ASA

OSL:PROT (3/27/2026, 7:00:00 PM)

459

-4.5 (-0.97%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)01-28
Earnings (Next)04-23
Inst Owners37.52%
Inst Owner ChangeN/A
Ins Owners1.8%
Ins Owner ChangeN/A
Market Cap37.87B
Revenue(TTM)14.91B
Net Income(TTM)2.61B
Analysts84.44
Price Target622.2 (35.56%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 2.8%
Yearly Dividend12
Dividend Growth(5Y)N/A
DP37.86%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-14.52%
Min EPS beat(2)-15.54%
Max EPS beat(2)-13.49%
EPS beat(4)2
Avg EPS beat(4)2.54%
Min EPS beat(4)-15.54%
Max EPS beat(4)32.59%
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)0%
PT rev (3m)8.16%
EPS NQ rev (1m)0%
EPS NQ rev (3m)N/A
EPS NY rev (1m)7.23%
EPS NY rev (3m)5.85%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
Industry RankSector Rank
PE 14.43
Fwd PE 16.08
P/S 2.54
P/FCF N/A
P/OCF N/A
P/B 4.93
P/tB 5.01
EV/EBITDA N/A
EPS(TTM)31.8
EY6.93%
EPS(NY)28.55
Fwd EY6.22%
FCF(TTM)-2.44
FCFYN/A
OCF(TTM)-1.15
OCFYN/A
SpS180.76
BVpS93.02
TBVpS91.59
PEG (NY)N/A
PEG (5Y)0.67
Graham Number257.98
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 2.36
F-Score5
WACC8.31%
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)70.11%
EPS 3Y46.04%
EPS 5Y21.56%
EPS Q2Q%184.6%
EPS Next Y-10.23%
EPS Next 2Y-4.67%
EPS Next 3Y-1.41%
EPS Next 5YN/A
Revenue 1Y (TTM)22.32%
Revenue growth 3Y25.19%
Revenue growth 5Y22.83%
Sales Q2Q%20.16%
Revenue Next Year9.68%
Revenue Next 2Y13.86%
Revenue Next 3YN/A
Revenue Next 5YN/A
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 Fundamental Analysis 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 14.43 and the Price/Book (PB) ratio is 4.93.


Is the dividend of PROTECTOR FORSIKRING ASA sustainable?

The dividend rating of PROTECTOR FORSIKRING ASA (PROT.OL) is 3 / 10 and the dividend payout ratio is 37.86%.