PROTECTOR FORSIKRING ASA (PROT.OL) Stock Fundamental Analysis

OSL:PROT • NO0010209331

491 NOK
-5.5 (-1.11%)
Last: Feb 13, 2026, 04:18 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership
Fundamental Rating

5

Overall PROT gets a fundamental rating of 5 out of 10. We evaluated PROT against 43 industry peers in the Insurance industry. While PROT belongs to the best of the industry regarding profitability, there are concerns on its financial health. PROT is valued quite expensively, but it does show have an excellent growth rating.


Dividend Valuation Growth Profitability Health

7

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.
  • PROT had positive earnings in each of the past 5 years.
  • 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

  • With an excellent Return On Assets value of 9.15%, PROT belongs to the best of the industry, outperforming 100.00% of the companies in the same industry.
  • With an excellent Return On Equity value of 34.04%, PROT belongs to the best of the industry, outperforming 100.00% of the companies in the same industry.
  • PROT's Return On Invested Capital of 10.33% is amongst the best of the industry. PROT outperforms 97.67% 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 2.92%.
  • 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

  • Looking at the Profit Margin, with a value of 17.51%, PROT belongs to the top of the industry, outperforming 93.02% of the companies in the same industry.
  • 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 90.70% of the companies in the same industry.
  • In the last couple of years the Operating Margin of PROT has grown nicely.
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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3

2. Health

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) just above the Cost of Capital (WACC), PROT is creating some value.
  • The number of shares outstanding for PROT remains at a similar level compared to 1 year ago.
  • PROT has more shares outstanding than it did 5 years ago.
  • The debt/assets ratio for PROT is higher compared to a year ago.
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 2.44 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 2.44, PROT belongs to the best of the industry, outperforming 100.00% of the companies in the same industry.
  • PROT has a Debt/Equity ratio of 0.30. This is a healthy value indicating a solid balance between debt and equity.
  • PROT has a better Debt to Equity ratio (0.30) than 76.74% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.3
Debt/FCF N/A
Altman-Z 2.44
ROIC/WACC1.24
WACC8.33%
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's Current ratio of 0.18 is fine compared to the rest of the industry. PROT outperforms 65.12% of its industry peers.
  • A Quick Ratio of 0.18 indicates that PROT may have some problems paying its short term obligations.
  • PROT has a better Quick ratio (0.18) than 65.12% 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

9

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an impressive 79.82% over the past year.
  • The Earnings Per Share has been growing by 15.29% on average over the past years. This is quite good.
  • PROT shows a strong growth in Revenue. In the last year, the Revenue has grown by 22.32%.
  • Measured over the past years, PROT shows a very strong growth in Revenue. The Revenue has been growing by 27.49% on average per year.
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

  • The Earnings Per Share is expected to grow by 10.74% on average over the next years. This is quite good.
  • The Revenue is expected to grow by 20.48% on average over the next years. This is a very strong growth
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

  • The estimated forward EPS growth is still strong, although it is decreasing when compared to the stronger growth in the past 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 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

  • Based on the Price/Earnings ratio of 26.74, the valuation of PROT can be described as expensive.
  • Compared to the rest of the industry, the Price/Earnings ratio of PROT indicates a rather expensive valuation: PROT more expensive than 81.40% of the companies listed in the same industry.
  • PROT is valuated at similar levels of the S&P average when we compare the Price/Earnings ratio to 27.97, which is the current average of the S&P500 Index.
  • Based on the Price/Forward Earnings ratio of 14.65, 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.
  • PROT is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 27.96, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 26.74
Fwd PE 14.65
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)48.14
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

4

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 2.69%, PROT has a reasonable but not impressive dividend return.
  • Compared to an average industry Dividend Yield of 4.23, PROT is paying slightly less dividend.
  • Compared to an average S&P500 Dividend Yield of 1.79, PROT pays a better dividend.
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

  • PROT pays out 37.86% of its income as dividend. This is a 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 (2/13/2026, 4:18:23 PM)

491

-5.5 (-1.11%)

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 Cap40.51B
Revenue(TTM)14.91B
Net Income(TTM)2.61B
Analysts84.44
Price Target622.2 (26.72%)
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 26.74
Fwd PE 14.65
P/S 2.72
P/FCF N/A
P/OCF N/A
P/B 5.28
P/tB 5.36
EV/EBITDA N/A
EPS(TTM)18.36
EY3.74%
EPS(NY)33.52
Fwd EY6.83%
FCF(TTM)-2.44
FCFYN/A
OCF(TTM)-1.15
OCFYN/A
SpS180.76
BVpS93.02
TBVpS91.59
PEG (NY)48.14
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 2.44
F-Score5
WACC8.33%
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 26.74 and the Price/Book (PB) ratio is 5.28.


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%.