PROTECTOR FORSIKRING ASA (PROT.OL) Stock Fundamental Analysis
Europe - Euronext Oslo - OSL:PROT - NO0010209331 - Common Stock
476.5 NOK
+5.5 (+1.17%)
Taking everything into account, PROT scores 5 out of 10 in our fundamental rating. PROT was compared to 47 industry peers in the Insurance industry. PROT scores excellent on profitability, but there are some minor concerns on its financial health. PROT is valued quite expensive, but it does show an excellent growth.
1. Profitability
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.
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.
PROT's Return On Equity of 33.16% is amongst the best of the industry. PROT outperforms 100.00% of its industry peers.
PROT has a Return On Invested Capital of 8.62%. This is amongst the best in the industry. PROT outperforms 100.00% of its industry peers.
The Average Return On Invested Capital over the past 3 years for PROT is significantly above the industry average of 2.11%.
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
Looking at the Profit Margin, with a value of 15.62%, PROT belongs to the top of the industry, outperforming 87.23% of the companies in the same industry.
PROT's Profit Margin has declined in the last couple of years.
PROT has a Operating Margin of 23.32%. This is amongst the best in the industry. PROT outperforms 89.36% of its industry peers.
In the last couple of years the Operating Margin of PROT has declined.
| 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
PROT has a Return on Invested Capital (ROIC), which is just above the Cost of Capital (WACC), which means it is creating some value.
The number of shares outstanding for PROT remains at a similar level compared to 1 year ago.
Compared to 5 years ago, PROT has more shares outstanding
PROT has a better debt/assets ratio than last year.
2.2 Solvency
PROT has an Altman-Z score of 2.15. 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.
PROT's Altman-Z score of 2.15 is amongst the best of the industry. PROT outperforms 100.00% 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 74.47% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.49 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 2.15 |
ROIC/WACC1.03
WACC8.34%
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 68.09% of its industry peers.
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.
PROT's Quick ratio of 0.16 is fine compared to the rest of the industry. PROT outperforms 68.09% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.16 | ||
| Quick Ratio | 0.16 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 9.95% over the past year.
The Earnings Per Share has been growing slightly by 7.66% on average over the past years.
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 13.69% on average per year.
PROT is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 14.35% yearly.
EPS Next Y64.27%
EPS Next 2Y19.31%
EPS Next 3Y13.69%
EPS Next 5YN/A
Revenue Next Year18.98%
Revenue Next 2Y14.76%
Revenue Next 3Y14.35%
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
Based on the Price/Earnings ratio of 18.12, the valuation of PROT can be described as rather expensive.
PROT's Price/Earnings ratio is a bit more expensive when compared to the industry. PROT is more expensive than 68.09% of the companies in the same industry.
PROT's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 25.65.
With a Price/Forward Earnings ratio of 18.13, PROT is valued on the expensive side.
Based on the Price/Forward Earnings ratio, PROT is valued more expensive than 85.11% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of PROT to the average of the S&P500 Index (34.45), we can say PROT is valued slightly cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 18.12 | ||
| Fwd PE | 18.13 |
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 13.69% in the coming years.
PEG (NY)0.28
PEG (5Y)N/A
EPS Next 2Y19.31%
EPS Next 3Y13.69%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 1.68%, PROT has a reasonable but not impressive dividend return.
With a Dividend Yield of 1.68, PROT pays less dividend than the industry average, which is at 4.53. 89.36% of the companies listed in the same industry pay a better dividend than PROT!
PROT's Dividend Yield is slightly below the S&P500 average, which is at 2.41.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.68% |
5.2 History
Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
34.30% of the earnings are spent on dividend by PROT. This is a low number and sustainable payout ratio.
DP34.3%
EPS Next 2Y19.31%
EPS Next 3Y13.69%
OSL:PROT (11/24/2025, 4:19:53 PM)
476.5
+5.5 (+1.17%)
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 Cap39.31B
Revenue(TTM)13.85B
Net Income(TTM)2.16B
Analysts84.44
Price Target575.28 (20.73%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.68% |
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)2.36%
PT rev (3m)2.36%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-1.49%
EPS NY rev (1m)-2.3%
EPS NY rev (3m)45.18%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.29%
Revenue NY rev (1m)-0.22%
Revenue NY rev (3m)-0.22%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 18.12 | ||
| Fwd PE | 18.13 | ||
| P/S | 2.84 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 6.03 | ||
| P/tB | 6.13 | ||
| EV/EBITDA | N/A |
EPS(TTM)26.29
EY5.52%
EPS(NY)26.28
Fwd EY5.52%
FCF(TTM)-5.54
FCFYN/A
OCF(TTM)-4.39
OCFYN/A
SpS167.89
BVpS79.07
TBVpS77.7
PEG (NY)0.28
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 | 2.15 |
F-Score2
WACC8.34%
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 Y64.27%
EPS Next 2Y19.31%
EPS Next 3Y13.69%
EPS Next 5YN/A
Revenue 1Y (TTM)12.23%
Revenue growth 3Y27.1%
Revenue growth 5Y22.85%
Sales Q2Q%10.7%
Revenue Next Year18.98%
Revenue Next 2Y14.76%
Revenue Next 3Y14.35%
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 18.12 and the Price/Book (PB) ratio is 6.03.
Can you provide the financial health for PROT stock?
The financial health rating of PROTECTOR FORSIKRING ASA (PROT.OL) is 4 / 10.