PROTECTOR FORSIKRING ASA (PROT.OL) Stock Fundamental Analysis
Europe - Euronext Oslo - OSL:PROT - NO0010209331 - Common Stock
525 NOK
+5 (+0.96%)
PROT gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 45 industry peers in the Insurance industry. While PROT belongs to the best of the industry regarding profitability, there are some minor concerns on its financial health. PROT shows excellent growth, but is valued quite expensive already.
1. Profitability
1.1 Basic Checks
In the past year PROT was profitable.
PROT had a negative operating cash flow in the past year.
Each year in the past 5 years PROT has 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.
PROT's Return On Invested Capital of 8.62% is amongst the best of the industry. PROT outperforms 97.78% of its industry peers.
PROT had an Average Return On Invested Capital over the past 3 years of 7.88%. This is significantly above the industry average of 2.72%.
The 3 year average ROIC (7.88%) for PROT is below the current ROIC(8.62%), indicating increased profibility in the last year.
| 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
The Profit Margin of PROT (15.62%) is better than 91.11% of its industry peers.
PROT's Profit Margin has declined in the last couple of years.
Looking at the Operating Margin, with a value of 23.32%, PROT belongs to the top of the industry, outperforming 84.44% of the companies in the same industry.
PROT's Operating Margin has declined in the last couple of years.
| 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
The Return on Invested Capital (ROIC) is just above the Cost of Capital (WACC), so PROT is still creating some value.
Compared to 1 year ago, PROT has about the same amount of shares outstanding.
The number of shares outstanding for PROT has been increased compared to 5 years ago.
Compared to 1 year ago, PROT has an improved debt to assets ratio.
2.2 Solvency
An Altman-Z score of 2.26 indicates that PROT is not a great score, but indicates only limited risk for bankruptcy at the moment.
PROT's Altman-Z score of 2.26 is amongst the best of the industry. PROT outperforms 97.78% of its industry peers.
PROT has a Debt/Equity ratio of 0.49. This is a healthy value indicating a solid balance between debt and equity.
PROT has a Debt to Equity ratio of 0.49. This is in the better half of the industry: PROT outperforms 66.67% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.49 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 2.26 |
ROIC/WACC1.03
WACC8.36%
2.3 Liquidity
A Current Ratio of 0.16 indicates that PROT may have some problems paying its short term obligations.
With a decent Current ratio value of 0.16, PROT is doing good in the industry, outperforming 71.11% of the companies in the same industry.
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.
With a decent Quick ratio value of 0.16, PROT is doing good in the industry, outperforming 71.11% 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.
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 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 15.52% yearly.
PROT is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 15.65% yearly.
EPS Next Y62.98%
EPS Next 2Y20.86%
EPS Next 3Y15.52%
EPS Next 5YN/A
Revenue Next Year19.33%
Revenue Next 2Y14.4%
Revenue Next 3Y15.65%
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.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 19.97, which indicates a rather expensive current valuation of PROT.
Based on the Price/Earnings ratio, PROT is valued a bit more expensive than the industry average as 75.56% of the companies are valued more cheaply.
PROT is valuated rather cheaply when we compare the Price/Earnings ratio to 26.39, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 19.47, PROT is valued on the expensive side.
Based on the Price/Forward Earnings ratio, PROT is valued expensively inside the industry as 91.11% of the companies are valued cheaper.
PROT's Price/Forward Earnings ratio indicates a similar valuation than the S&P500 average which is at 23.84.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 19.97 | ||
| Fwd PE | 19.47 |
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 15.52% in the coming years.
PEG (NY)0.32
PEG (5Y)N/A
EPS Next 2Y20.86%
EPS Next 3Y15.52%
5. Dividend
5.1 Amount
PROT has a Yearly Dividend Yield of 1.55%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.95, PROT's dividend is way lower than its industry peers. On top of this 84.44% of the companies listed in the same industry pay a better dividend than PROT!
PROT's Dividend Yield is comparable with the S&P500 average which is at 1.87.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.55% |
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 2Y20.86%
EPS Next 3Y15.52%
OSL:PROT (12/22/2025, 1:35:37 PM)
525
+5 (+0.96%)
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 Cap43.31B
Revenue(TTM)13.85B
Net Income(TTM)2.16B
Analysts84.44
Price Target575.28 (9.58%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.55% |
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)-0.78%
EPS NY rev (3m)-3.07%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.29%
Revenue NY rev (1m)0.29%
Revenue NY rev (3m)0.07%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 19.97 | ||
| Fwd PE | 19.47 | ||
| P/S | 3.13 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 6.64 | ||
| P/tB | 6.76 | ||
| EV/EBITDA | N/A |
EPS(TTM)26.29
EY5.01%
EPS(NY)26.97
Fwd EY5.14%
FCF(TTM)-5.54
FCFYN/A
OCF(TTM)-4.39
OCFYN/A
SpS167.89
BVpS79.07
TBVpS77.7
PEG (NY)0.32
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 | 2.26 |
F-Score2
WACC8.36%
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 Y62.98%
EPS Next 2Y20.86%
EPS Next 3Y15.52%
EPS Next 5YN/A
Revenue 1Y (TTM)12.23%
Revenue growth 3Y27.1%
Revenue growth 5Y22.85%
Sales Q2Q%10.7%
Revenue Next Year19.33%
Revenue Next 2Y14.4%
Revenue Next 3Y15.65%
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 19.97 and the Price/Book (PB) ratio is 6.64.
Can you provide the financial health for PROT stock?
The financial health rating of PROTECTOR FORSIKRING ASA (PROT.OL) is 4 / 10.