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

OSL:PROT • NO0010209331

Current stock price

466.6 NOK
+1 (+0.21%)
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.
  • In the past year PROT had a positive 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

  • PROT has a better Return On Assets (7.15%) than 97.37% of its industry peers.
  • PROT has a better Return On Equity (27.67%) than 92.11% of its industry peers.
  • Looking at the Return On Invested Capital, with a value of 8.51%, PROT belongs to the top of the industry, outperforming 100.00% of the companies in the same industry.
  • The Average Return On Invested Capital over the past 3 years for PROT is significantly above the industry average of 2.62%.
Industry RankSector Rank
ROA 7.15%
ROE 27.67%
ROIC 8.51%
ROA(3y)7.54%
ROA(5y)7.45%
ROE(3y)31.33%
ROE(5y)33.01%
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 13.86%. This is amongst the best in the industry. PROT outperforms 81.58% of its industry peers.
  • PROT's Profit Margin has been stable in the last couple of years.
  • Looking at the Operating Margin, with a value of 21.30%, PROT belongs to the top of the industry, outperforming 86.84% 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 21.3%
PM (TTM) 13.86%
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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5

2. PROT.OL Health Analysis

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.
  • 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.
  • Compared to 1 year ago, PROT has a worse debt to assets ratio.
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 2.27 indicates that PROT is not a great score, but indicates only limited risk for bankruptcy at the moment.
  • PROT has a Altman-Z score of 2.27. This is amongst the best in the industry. PROT outperforms 100.00% of its industry peers.
  • PROT has a debt to FCF ratio of 1.69. This is a very positive value and a sign of high solvency as it would only need 1.69 years to pay back of all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 1.69, PROT is in the better half of the industry, outperforming 65.79% of the companies in the same industry.
  • A Debt/Equity ratio of 0.32 indicates that PROT is not too dependend on debt financing.
  • With an excellent Debt to Equity ratio value of 0.32, PROT belongs to the best of the industry, outperforming 84.21% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.32
Debt/FCF 1.69
Altman-Z 2.27
ROIC/WACC1.02
WACC8.32%
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 0.46 indicates that PROT may have some problems paying its short term obligations.
  • PROT has a Current ratio of 0.46. This is in the better half of the industry: PROT outperforms 71.05% of its industry peers.
  • PROT has a Quick Ratio of 0.46. This is a bad value and indicates that PROT is not financially healthy enough and could expect problems in meeting its short term obligations.
  • The Quick ratio of PROT (0.46) is better than 71.05% of its industry peers.
Industry RankSector Rank
Current Ratio 0.46
Quick Ratio 0.46
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 11.05%, which is quite good.
  • 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 quite a strong growth in Revenue. In the last year, the Revenue has grown by 14.19%.
  • Measured over the past years, PROT shows a very strong growth in Revenue. The Revenue has been growing by 22.83% on average per year.
EPS 1Y (TTM)11.05%
EPS 3Y46.04%
EPS 5Y21.56%
EPS Q2Q%-80%
Revenue 1Y (TTM)14.19%
Revenue growth 3Y25.19%
Revenue growth 5Y22.83%
Sales Q2Q%13.55%

3.2 Future

  • Based on estimates for the next years, PROT will show a small growth in Earnings Per Share. The EPS will grow by 0.63% on average per year.
  • PROT is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 13.86% yearly.
EPS Next Y-6.4%
EPS Next 2Y-4.72%
EPS Next 3Y0.63%
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.
  • 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 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

  • With a Price/Earnings ratio of 18.97, PROT is valued on the expensive side.
  • Compared to the rest of the industry, the Price/Earnings ratio of PROT indicates a slightly more expensive valuation: PROT is more expensive than 73.68% of the companies listed in the same industry.
  • When comparing the Price/Earnings ratio of PROT to the average of the S&P500 Index (26.64), we can say PROT is valued slightly cheaper.
  • A Price/Forward Earnings ratio of 16.16 indicates a correct valuation of PROT.
  • PROT's Price/Forward Earnings ratio is rather expensive when compared to the industry. PROT is more expensive than 81.58% of the companies in the same industry.
  • When comparing the Price/Forward Earnings ratio of PROT to the average of the S&P500 Index (21.36), we can say PROT is valued slightly cheaper.
Industry RankSector Rank
PE 18.97
Fwd PE 16.16
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

  • 71.05% of the companies in the same industry are cheaper than PROT, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 27.75
EV/EBITDA N/A
PROT.OL Per share dataPROT.OL EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 50 100 150

4.3 Compensation for Growth

  • The decent profitability rating of PROT may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)0.88
EPS Next 2Y-4.72%
EPS Next 3Y0.63%

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

4

5. PROT.OL Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 4.07%, PROT is a good candidate for dividend investing.
  • PROT's Dividend Yield is slightly below the industry average, which is at 4.46.
  • PROT's Dividend Yield is rather good when compared to the S&P500 average which is at 1.80.
Industry RankSector Rank
Dividend Yield 4.07%

5.2 History

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

5.3 Sustainability

  • PROT pays out 57.02% of its income as dividend. This is a bit on the high side, but may be sustainable.
DP57.02%
EPS Next 2Y-4.72%
EPS Next 3Y0.63%
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 (4/30/2026, 7:00:00 PM)

466.6

+1 (+0.21%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Industry StrengthN/A
Industry GrowthN/A
Earnings (Last)04-22
Earnings (Next)07-10
Inst Owners37.57%
Inst Owner ChangeN/A
Ins Owners1.8%
Ins Owner ChangeN/A
Market Cap38.49B
Revenue(TTM)14.60B
Net Income(TTM)2.02B
Analysts84.44
Price Target601.8 (28.98%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 4.07%
Yearly Dividend12
Dividend Growth(5Y)N/A
DP57.02%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)6.28%
Min EPS beat(2)-13.49%
Max EPS beat(2)26.05%
EPS beat(4)2
Avg EPS beat(4)0.91%
Min EPS beat(4)-15.54%
Max EPS beat(4)26.05%
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)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
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)-3.28%
PT rev (3m)4.15%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)4.26%
EPS NY rev (3m)11.8%
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 18.97
Fwd PE 16.16
P/S 2.64
P/FCF 27.75
P/OCF 25.66
P/B 5.26
P/tB 5.35
EV/EBITDA N/A
EPS(TTM)24.6
EY5.27%
EPS(NY)28.87
Fwd EY6.19%
FCF(TTM)16.81
FCFY3.6%
OCF(TTM)18.18
OCFY3.9%
SpS177.02
BVpS88.65
TBVpS87.2
PEG (NY)N/A
PEG (5Y)0.88
Graham Number221.518 (-52.53%)
Profitability
Industry RankSector Rank
ROA 7.15%
ROE 27.67%
ROCE 11.17%
ROIC 8.51%
ROICexc 8.6%
ROICexgc 9.15%
OM 21.3%
PM (TTM) 13.86%
GM N/A
FCFM 9.5%
ROA(3y)7.54%
ROA(5y)7.45%
ROE(3y)31.33%
ROE(5y)33.01%
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)11.17%
ROCE(5y)10.52%
ROICexgc growth 3Y5.85%
ROICexgc growth 5Y15.23%
ROICexc growth 3Y6.9%
ROICexc growth 5Y20.45%
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-Score6
Asset Turnover0.52
Health
Industry RankSector Rank
Debt/Equity 0.32
Debt/FCF 1.69
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales 0.77%
Interest Coverage 250
Cash Conversion N/A
Profit Quality 68.53%
Current Ratio 0.46
Quick Ratio 0.46
Altman-Z 2.27
F-Score6
WACC8.32%
ROIC/WACC1.02
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)11.05%
EPS 3Y46.04%
EPS 5Y21.56%
EPS Q2Q%-80%
EPS Next Y-6.4%
EPS Next 2Y-4.72%
EPS Next 3Y0.63%
EPS Next 5YN/A
Revenue 1Y (TTM)14.19%
Revenue growth 3Y25.19%
Revenue growth 5Y22.83%
Sales Q2Q%13.55%
Revenue Next Year9.68%
Revenue Next 2Y13.86%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y14.59%
EBIT growth 3Y27.84%
EBIT growth 5Y34.44%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y302.81%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y347.69%
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.


What is the valuation status of PROTECTOR FORSIKRING ASA (PROT.OL) stock?

ChartMill assigns a valuation rating of 2 / 10 to PROTECTOR FORSIKRING ASA (PROT.OL). This can be considered as Overvalued.


Can you provide the profitability details for PROTECTOR FORSIKRING ASA?

PROTECTOR FORSIKRING ASA (PROT.OL) has a profitability rating of 7 / 10.


Can you provide the financial health for PROT stock?

The financial health rating of PROTECTOR FORSIKRING ASA (PROT.OL) is 5 / 10.


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 57.02%.