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

OSL:PROT • NO0010209331

Current stock price

467 NOK
+1.4 (+0.3%)
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

  • PROT had positive earnings in the past year.
  • PROT had a positive operating cash flow in the past year.
  • PROT had positive earnings in each of the past 5 years.
  • 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 2025 0 1B 2B 3B

1.2 Ratios

  • PROT's Return On Assets of 7.15% is amongst the best of the industry. PROT outperforms 97.37% of its industry peers.
  • PROT's Return On Equity of 27.67% is amongst the best of the industry. PROT outperforms 94.74% of its industry peers.
  • PROT has a Return On Invested Capital of 8.51%. 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 2.62%.
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's Profit Margin of 13.86% is amongst the best of the industry. PROT outperforms 81.58% of its industry peers.
  • PROT's Profit Margin has been stable in the last couple of years.
  • PROT has a Operating Margin of 21.30%. This is amongst the best in the industry. PROT outperforms 86.84% of its industry peers.
  • PROT's Operating Margin has improved in the last couple of years.
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.
  • 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 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

  • PROT has an Altman-Z score of 2.27. 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 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.
  • PROT has a Debt to FCF ratio of 1.69. This is in the better half of the industry: PROT outperforms 65.79% of its industry peers.
  • A Debt/Equity ratio of 0.32 indicates that PROT is not too dependend on debt financing.
  • PROT's Debt to Equity ratio of 0.32 is amongst the best of the industry. PROT outperforms 84.21% of its industry peers.
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.
  • With a decent Current ratio value of 0.46, PROT is doing good in the industry, outperforming 71.05% of the companies in the same industry.
  • 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.
  • PROT has a better Quick ratio (0.46) 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

  • The Earnings Per Share has grown by an nice 11.05% over the past year.
  • PROT shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 21.56% yearly.
  • The Revenue has grown by 14.19% in the past year. This is quite good.
  • 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%1.69%

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.
  • Based on estimates for the next years, PROT will show a quite strong growth in Revenue. The Revenue will grow by 13.86% on average per year.
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

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
  • 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 14.69, PROT is valued correctly.
  • Based on the Price/Earnings ratio, PROT is valued a bit more expensive than the industry average as 60.53% of the companies are valued more cheaply.
  • The average S&P500 Price/Earnings ratio is at 26.54. PROT is valued slightly cheaper when compared to this.
  • With a Price/Forward Earnings ratio of 16.18, PROT is valued correctly.
  • 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 78.95% of the companies listed in the same industry.
  • PROT is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 21.68, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 14.69
Fwd PE 16.18
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

  • PROT's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. PROT is more expensive than 73.68% of the companies in the same industry.
Industry RankSector Rank
P/FCF 27.78
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)0.68
EPS Next 2Y-4.72%
EPS Next 3Y0.63%

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

3

5. PROT.OL Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 3.94%, PROT has a reasonable but not impressive dividend return.
  • Compared to an average industry Dividend Yield of 4.46, PROT is paying slightly less dividend.
  • PROT's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 3.94%

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, 4:19:52 PM)

467

+1.4 (+0.3%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Industry StrengthN/A
Industry GrowthN/A
Earnings (Last)04-23
Earnings (Next)07-10
Inst Owners37.57%
Inst Owner ChangeN/A
Ins Owners1.8%
Ins Owner ChangeN/A
Market Cap38.53B
Revenue(TTM)14.60B
Net Income(TTM)2.02B
Analysts84.44
Price Target622.2 (33.23%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 3.94%
Yearly Dividend12
Dividend Growth(5Y)N/A
DP57.02%
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)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)0%
PT rev (3m)7.68%
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 14.69
Fwd PE 16.18
P/S 2.64
P/FCF 27.78
P/OCF 25.69
P/B 5.27
P/tB 5.36
EV/EBITDA N/A
EPS(TTM)31.8
EY6.81%
EPS(NY)28.87
Fwd EY6.18%
FCF(TTM)16.81
FCFY3.6%
OCF(TTM)18.18
OCFY3.89%
SpS177.02
BVpS88.65
TBVpS87.2
PEG (NY)N/A
PEG (5Y)0.68
Graham Number251.858 (-46.07%)
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%1.69%
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%.