PROT Fundamental Analysis - PROTECTOR FORSIKRING ASA

Fundamental Rating

We assign a fundamental rating of 5 out of 10 to PROT. PROT was compared to 43 industry peers in the Insurance industry. PROT scores excellent on profitability, but there are some minor concerns on its financial health. PROT shows excellent growth, but is valued quite expensive already.

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1. Profitability

1.1 Basic Checks

PROT had positive earnings in the past year.

PROT had a positive 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.

1.2 Ratios

PROT's Return On Assets of 7.70% is amongst the best of the industry. PROT outperforms 100.00% of its industry peers.

Looking at the Return On Equity, with a value of 36.33%, PROT belongs to the top of the industry, outperforming 100.00% of the companies in the same industry.

The Return On Invested Capital of PROT (8.62%) is better than 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 2.26%.

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 Rank	Sector Rank
ROA	7.7%
ROE	36.33%
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 (16.76%) is better than 95.35% of its industry peers.

In the last couple of years the Profit Margin of PROT has declined.

PROT's Operating Margin of 24.29% is amongst the best of the industry. PROT outperforms 90.70% of its industry peers.

In the last couple of years the Operating Margin of PROT has declined.

		Industry Rank	Sector Rank
OM	24.29%
PM (TTM)	16.76%
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

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ROA

ROE

ROIC

Operating and Profit Margin

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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.

PROT has about the same amout of shares outstanding than it did 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.

2.2 Solvency

An Altman-Z score of 2.11 indicates that PROT is not a great score, but indicates only limited risk for bankruptcy at the moment.

Looking at the Altman-Z score, with a value of 2.11, PROT belongs to the top of the industry, outperforming 100.00% of the companies in the same industry.

PROT has a debt to FCF ratio of 38.40. This is a negative value and a sign of low solvency as PROT would need 38.40 years to pay back of all of its debts.

PROT has a worse Debt to FCF ratio (38.40) than 74.42% of its industry peers.

A Debt/Equity ratio of 0.43 indicates that PROT is not too dependend on debt financing.

With a decent Debt to Equity ratio value of 0.43, PROT is doing good in the industry, outperforming 76.74% of the companies in the same industry.

		Industry Rank	Sector Rank
Debt/Equity	0.43
Debt/FCF	38.4
Altman-Z	2.11

ROIC/WACC1.04

WACC8.3%

2.3 Liquidity

A Current Ratio of 0.17 indicates that PROT may have some problems paying its short term obligations.

PROT has a Current ratio of 0.17. This is in the better half of the industry: PROT outperforms 72.09% of its industry peers.

PROT has a Quick Ratio of 0.17. 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 Quick ratio of 0.17. This is in the better half of the industry: PROT outperforms 72.09% of its industry peers.

		Industry Rank	Sector Rank
Current Ratio	0.17
Quick Ratio	0.17

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 66.61% over the past year.

The Earnings Per Share has been growing slightly by 7.66% on average over the past years.

PROT shows a strong growth in Revenue. In the last year, the Revenue has grown by 20.12%.

PROT shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 22.85% yearly.

EPS 1Y (TTM)66.61%

EPS 3Y7.66%

EPS 5YN/A

EPS Q2Q%180.65%

Revenue 1Y (TTM)20.12%

Revenue growth 3Y27.1%

Revenue growth 5Y22.85%

Sales Q2Q%19.13%

3.2 Future

The Earnings Per Share is expected to grow by 13.88% on average over the next years. This is quite good.

The Revenue is expected to grow by 14.57% on average over the next years. This is quite good.

EPS Next Y68.14%

EPS Next 2Y19.24%

EPS Next 3Y13.88%

EPS Next 5YN/A

Revenue Next Year19.24%

Revenue Next 2Y16.13%

Revenue Next 3Y14.57%

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.

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.

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4. Valuation

4.1 Price/Earnings Ratio

PROT is valuated rather expensively with a Price/Earnings ratio of 17.52.

PROT's Price/Earnings ratio is a bit more expensive when compared to the industry. PROT is more expensive than 69.77% 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 27.20.

PROT is valuated rather expensively with a Price/Forward Earnings ratio of 18.55.

Based on the Price/Forward Earnings ratio, PROT is valued more expensive than 88.37% of the companies in the same industry.

When comparing the Price/Forward Earnings ratio of PROT to the average of the S&P500 Index (22.70), we can say PROT is valued inline with the index average.

		Industry Rank	Sector Rank
PE	17.52
Fwd PE	18.55

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, PROT is valued more expensive than 83.72% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	573.96
EV/EBITDA	N/A

4.3 Compensation for Growth

The 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.

PROT's earnings are expected to grow with 13.88% in the coming years. This may justify a more expensive valuation.

PEG (NY)0.26

PEG (5Y)N/A

EPS Next 2Y19.24%

EPS Next 3Y13.88%

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5. Dividend

5.1 Amount

PROT has a Yearly Dividend Yield of 1.06%. Purely for dividend investing, there may be better candidates out there.

Compared to an average industry Dividend Yield of 4.56, PROT's dividend is way lower than its industry peers. On top of this 86.05% of the companies listed in the same industry pay a better dividend than PROT!

Compared to an average S&P500 Dividend Yield of 2.38, PROT's dividend is way lower than the S&P500 average.

		Industry Rank	Sector Rank
Dividend Yield	1.06%

5.2 History

Dividend Growth(5Y)N/A

Div Incr Years0

Div Non Decr Years0

5.3 Sustainability

32.47% of the earnings are spent on dividend by PROT. This is a low number and sustainable payout ratio.

DP32.47%

EPS Next 2Y19.24%

EPS Next 3Y13.88%

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PROTECTOR FORSIKRING ASA

OSL:PROT (9/17/2025, 7:00:00 PM)

487

+3.5 (+0.72%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupInsurance

GICS IndustryInsurance

Earnings (Last)07-11 2025-07-11/bmo

Earnings (Next)10-23 2025-10-23

Inst Owners35.41%

Inst Owner ChangeN/A

Ins Owners1.74%

Ins Owner ChangeN/A

Market Cap40.18B

Analysts84.44

Price Target562.02 (15.4%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	1.06%

Yearly Dividend9

Dividend Growth(5Y)N/A

DP32.47%

Div Incr Years0

Div Non Decr Years0

Ex-DateN/A

Surprises & Revisions

EPS beat(2)2

Avg EPS beat(2)19.6%

Min EPS beat(2)6.62%

Max EPS beat(2)32.59%

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)-3.29%

Min Revenue beat(2)-4.49%

Max Revenue beat(2)-2.09%

Revenue beat(4)2

Avg Revenue beat(4)0.72%

Min Revenue beat(4)-4.49%

Max Revenue beat(4)7.59%

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)41.28%

EPS NQ rev (1m)0%

EPS NQ rev (3m)24.58%

EPS NY rev (1m)48.6%

EPS NY rev (3m)48.6%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)N/A

Revenue NY rev (1m)0%

Revenue NY rev (3m)2.93%

Valuation

		Industry Rank	Sector Rank
PE	17.52
Fwd PE	18.55
P/S	2.95
P/FCF	573.96
P/OCF	267.85
P/B	6.39
P/tB	6.51
EV/EBITDA	N/A

EPS(TTM)27.79

EY5.71%

EPS(NY)26.25

Fwd EY5.39%

FCF(TTM)0.85

FCFY0.17%

OCF(TTM)1.82

OCFY0.37%

SpS165.25

BVpS76.23

TBVpS74.85

PEG (NY)0.26

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	7.7%
ROE	36.33%
ROCE	11.31%
ROIC	8.62%
ROICexc	8.66%
ROICexgc	9.45%
OM	24.29%
PM (TTM)	16.76%
GM	N/A
FCFM	0.51%

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%

ROICexcg growth 3Y-2.94%

ROICexcg 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-Score5

Asset Turnover0.46

Health

		Industry Rank	Sector Rank
Debt/Equity	0.43
Debt/FCF	38.4
Debt/EBITDA	N/A
Cap/Depr	N/A
Cap/Sales	0.59%
Interest Coverage	250
Cash Conversion	N/A
Profit Quality	3.06%
Current Ratio	0.17
Quick Ratio	0.17
Altman-Z	2.11

F-Score5

WACC8.3%

ROIC/WACC1.04

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)66.61%

EPS 3Y7.66%

EPS 5YN/A

EPS Q2Q%180.65%

EPS Next Y68.14%

EPS Next 2Y19.24%

EPS Next 3Y13.88%

EPS Next 5YN/A

Revenue 1Y (TTM)20.12%

Revenue growth 3Y27.1%

Revenue growth 5Y22.85%

Sales Q2Q%19.13%

Revenue Next Year19.24%

Revenue Next 2Y16.13%

Revenue Next 3Y14.57%

Revenue Next 5YN/A

EBIT growth 1Y56.87%

EBIT growth 3Y16.52%

EBIT growth 5YN/A

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y117.08%

FCF growth 3Y10.04%

FCF growth 5Y-2.19%

OCF growth 1Y141.53%

OCF growth 3Y10.09%

OCF growth 5Y-1.74%

PROTECTOR FORSIKRING ASA (PROT.OL) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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