PROTECTOR FORSIKRING ASA (PROT.OL) Stock Fundamental Analysis

Europe • Euronext Oslo • OSL:PROT • NO0010209331

523 NOK
+6 (+1.16%)
Last: Feb 6, 2026, 07:00 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 47 industry peers in the Insurance industry. PROT has an average financial health and profitability rating. PROT shows excellent growth, but is valued quite expensive already.


Dividend Valuation Growth Profitability Health

6

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.
  • 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 0 500M -500M 1B 1.5B 2B

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.
  • With an excellent Return On Invested Capital value of 8.62%, PROT belongs to the best of the industry, outperforming 97.87% of the companies in the same industry.
  • PROT had an Average Return On Invested Capital over the past 3 years of 7.88%. This is above the industry average of 2.92%.
  • The last Return On Invested Capital (8.62%) for PROT is above the 3 year average (7.88%), which is a sign of increasing profitability.
Industry RankSector 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%
PROT.OL Yearly ROA, ROE, ROICPROT.OL Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 -10 20 30

1.3 Margins

  • PROT has a Profit Margin of 15.62%. This is amongst the best in the industry. PROT outperforms 93.62% of its industry peers.
  • PROT's Profit Margin has declined in the last couple of years.
  • The Operating Margin of PROT (23.32%) is better than 89.36% of its industry peers.
  • PROT's Operating Margin has declined in the last couple of years.
Industry RankSector 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
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 0 10 20

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ROAROEROICOperating and Profit MarginShow most profitable peers

4

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 has been reduced 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 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 5B 10B 15B 20B

2.2 Solvency

  • PROT has an Altman-Z score of 2.25. This is not the best score and indicates that PROT is in the grey zone with still only limited risk for bankruptcy at the moment.
  • Looking at the Altman-Z score, with a value of 2.25, PROT belongs to the top of the industry, outperforming 97.87% of the companies in the same industry.
  • PROT has a Debt/Equity ratio of 0.49. This is a healthy value indicating a solid balance between debt and equity.
  • PROT's Debt to Equity ratio of 0.49 is fine compared to the rest of the industry. PROT outperforms 63.83% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.49
Debt/FCF N/A
Altman-Z 2.25
ROIC/WACC1.03
WACC8.36%
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 0 2B 4B

2.3 Liquidity

  • A Current Ratio of 0.16 indicates that PROT may have some problems paying its short term obligations.
  • The Current ratio of PROT (0.16) is better than 70.21% of its industry peers.
  • A Quick Ratio of 0.16 indicates that PROT may have some problems paying its short term obligations.
  • The Quick ratio of PROT (0.16) is better than 70.21% of its industry peers.
Industry RankSector Rank
Current Ratio 0.16
Quick Ratio 0.16
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 200M 400M 600M

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

7

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.
  • PROT shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 7.66% yearly.
  • PROT shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 12.23%.
  • Measured over the past years, PROT shows a very strong growth in Revenue. The Revenue has been growing by 22.85% on average per year.
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

  • Based on estimates for the next years, PROT will show a quite strong growth in Earnings Per Share. The EPS will grow by 14.35% on average per year.
  • The Revenue is expected to grow by 15.65% on average over the next years. This is quite good.
EPS Next Y81.58%
EPS Next 2Y20.08%
EPS Next 3Y14.35%
EPS Next 5YN/A
Revenue Next Year19.33%
Revenue Next 2Y14.4%
Revenue Next 3Y15.65%
Revenue Next 5YN/A

3.3 Evolution

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
  • 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

3

4. Valuation

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 19.89 indicates a rather expensive valuation of PROT.
  • Based on the Price/Earnings ratio, PROT is valued a bit more expensive than 78.72% of the companies in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 27.92, PROT is valued a bit cheaper.
  • The Price/Forward Earnings ratio is 19.65, which indicates a rather expensive current valuation of PROT.
  • Based on the Price/Forward Earnings ratio, PROT is valued expensively inside the industry as 89.36% of the companies are valued cheaper.
  • PROT's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 27.78.
Industry RankSector Rank
PE 19.89
Fwd PE 19.65
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

  • 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 14.35% in the coming years.
PEG (NY)0.24
PEG (5Y)N/A
EPS Next 2Y20.08%
EPS Next 3Y14.35%

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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 2.66%, PROT has a reasonable but not impressive dividend return.
  • Compared to an average industry Dividend Yield of 4.12, PROT is paying slightly less dividend.
  • Compared to an average S&P500 Dividend Yield of 1.83, PROT pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 2.66%

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 2Y20.08%
EPS Next 3Y14.35%
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 0 500M -500M 1B 1.5B
PROT.OL Dividend Payout.PROT.OL Dividend Payout, showing the Payout Ratio.PROT.OL Dividend Payout.PayoutRetained Earnings

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Find the best dividend stocksShow peers with best dividend

PROTECTOR FORSIKRING ASA

OSL:PROT (2/6/2026, 7:00:00 PM)

523

+6 (+1.16%)

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 Cap43.15B
Revenue(TTM)13.85B
Net Income(TTM)2.16B
Analysts84.44
Price Target577.83 (10.48%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 2.66%
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)0.44%
PT rev (3m)2.81%
EPS NQ rev (1m)27.78%
EPS NQ rev (3m)27.78%
EPS NY rev (1m)11.41%
EPS NY rev (3m)8%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.07%
Valuation
Industry RankSector Rank
PE 19.89
Fwd PE 19.65
P/S 3.12
P/FCF N/A
P/OCF N/A
P/B 6.61
P/tB 6.73
EV/EBITDA N/A
EPS(TTM)26.29
EY5.03%
EPS(NY)26.62
Fwd EY5.09%
FCF(TTM)-5.54
FCFYN/A
OCF(TTM)-4.39
OCFYN/A
SpS167.89
BVpS79.07
TBVpS77.7
PEG (NY)0.24
PEG (5Y)N/A
Graham Number216.26
Profitability
Industry RankSector 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 RankSector 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 2.25
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 Y81.58%
EPS Next 2Y20.08%
EPS Next 3Y14.35%
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.


Can you provide the valuation status for PROTECTOR FORSIKRING ASA?

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 6 / 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 19.89 and the Price/Book (PB) ratio is 6.61.


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 34.3%.