PROTECTOR FORSIKRING ASA (PROT.OL) Stock Fundamental Analysis
Europe - OSL:PROT - NO0010209331 - Common Stock
441 NOK
-5.5 (-1.23%)
Taking everything into account, PROT scores 5 out of 10 in our fundamental rating. PROT was compared to 39 industry peers in the Insurance industry. While PROT belongs to the best of the industry regarding profitability, there are some minor concerns on its financial health. PROT shows excellent growth, but is valued quite expensive already.
1. Profitability
1.1 Basic Checks
In the past year PROT was profitable.
In the past year PROT had a positive cash flow from operations.
In the past 5 years PROT has always 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.
PROT has a Return On Equity of 36.33%. This is amongst the best in the industry. PROT outperforms 100.00% of its industry peers.
Looking at the Return On Invested Capital, with a value of 8.62%, 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 2.26%.
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 | 7.7% | ||
| 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 94.87% of its industry peers.
In the last couple of years the Profit Margin of PROT has declined.
PROT has a better Operating Margin (24.29%) than 92.31% 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
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
The debt/assets ratio for PROT has been reduced compared to a year ago.
2.2 Solvency
An Altman-Z score of 2.03 indicates that PROT is not a great score, but indicates only limited risk for bankruptcy at the moment.
With an excellent Altman-Z score value of 2.03, PROT belongs to the best 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.
With a Debt to FCF ratio value of 38.40, PROT is not doing good in the industry: 74.36% of the companies in the same industry are doing better.
A Debt/Equity ratio of 0.43 indicates that PROT is not too dependend on debt financing.
PROT has a better Debt to Equity ratio (0.43) than 76.92% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.43 | ||
| Debt/FCF | 38.4 | ||
| Altman-Z | 2.03 |
ROIC/WACC1.04
WACC8.32%
2.3 Liquidity
PROT has a Current 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.
The Current ratio of PROT (0.17) is better than 66.67% 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 better Quick ratio (0.17) than 66.67% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.17 | ||
| Quick Ratio | 0.17 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 79.82% over the past year.
Measured over the past years, PROT shows a quite strong growth in Earnings Per Share. The EPS has been growing by 15.29% on average per year.
The Revenue has grown by 35.29% in the past year. This is a very strong growth!
Measured over the past years, PROT shows a very strong growth in Revenue. The Revenue has been growing by 27.49% on average per year.
EPS 1Y (TTM)79.82%
EPS 3Y15.29%
EPS 5YN/A
EPS Q2Q%-21.13%
Revenue 1Y (TTM)35.29%
Revenue growth 3Y24.46%
Revenue growth 5Y27.49%
Sales Q2Q%10.7%
3.2 Future
The Earnings Per Share is expected to grow by 10.39% on average over the next years. This is quite good.
Based on estimates for the next years, PROT will show a quite strong growth in Revenue. The Revenue will grow by 19.63% on average per year.
EPS Next Y0.56%
EPS Next 2Y30.03%
EPS Next 3Y12.65%
EPS Next 5Y10.39%
Revenue Next Year36.19%
Revenue Next 2Y27.43%
Revenue Next 3Y22.47%
Revenue Next 5Y19.63%
3.3 Evolution
The estimated forward EPS growth is still strong, although it is decreasing when compared to the stronger growth in the past 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
PROT is valuated rather expensively with a Price/Earnings ratio of 24.02.
PROT's Price/Earnings ratio is a bit more expensive when compared to the industry. PROT is more expensive than 79.49% of the companies in the same industry.
PROT's Price/Earnings ratio indicates a similar valuation than the S&P500 average which is at 25.83.
A Price/Forward Earnings ratio of 14.21 indicates a correct valuation of PROT.
Based on the Price/Forward Earnings ratio, PROT is valued a bit more expensive than 69.23% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 32.68, PROT is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 24.02 | ||
| Fwd PE | 14.21 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of PROT indicates a rather expensive valuation: PROT more expensive than 82.05% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 519.75 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive 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 12.65% in the coming years. This may justify a more expensive valuation.
PEG (NY)43.24
PEG (5Y)N/A
EPS Next 2Y30.03%
EPS Next 3Y12.65%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 1.74%, PROT has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 4.51, PROT's dividend is way lower than its industry peers. On top of this 87.18% of the companies listed in the same industry pay a better dividend than PROT!
Compared to the average S&P500 Dividend Yield of 2.39, PROT is paying slightly less dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.74% |
5.2 History
Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
PROT pays out 32.47% of its income as dividend. This is a sustainable payout ratio.
DP32.47%
EPS Next 2Y30.03%
EPS Next 3Y12.65%
OSL:PROT (11/7/2025, 7:00:00 PM)
441
-5.5 (-1.23%)
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 Cap36.38B
Revenue(TTM)10.28B
Net Income(TTM)2.29B
Analysts84.44
Price Target575.28 (30.45%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.74% |
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)2.36%
PT rev (3m)2.36%
EPS NQ rev (1m)-12.75%
EPS NQ rev (3m)-12.75%
EPS NY rev (1m)0%
EPS NY rev (3m)48.6%
Revenue NQ rev (1m)-0.41%
Revenue NQ rev (3m)-0.41%
Revenue NY rev (1m)0%
Revenue NY rev (3m)2.93%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 24.02 | ||
| Fwd PE | 14.21 | ||
| P/S | 2.67 | ||
| P/FCF | 519.75 | ||
| P/OCF | 242.55 | ||
| P/B | 5.79 | ||
| P/tB | 5.89 | ||
| EV/EBITDA | N/A |
EPS(TTM)18.36
EY4.16%
EPS(NY)31.04
Fwd EY7.04%
FCF(TTM)0.85
FCFY0.19%
OCF(TTM)1.82
OCFY0.41%
SpS165.25
BVpS76.23
TBVpS74.85
PEG (NY)43.24
PEG (5Y)N/A
Graham Number177.46
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%
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-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 | 2.03 |
F-Score5
WACC8.32%
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)79.82%
EPS 3Y15.29%
EPS 5YN/A
EPS Q2Q%-21.13%
EPS Next Y0.56%
EPS Next 2Y30.03%
EPS Next 3Y12.65%
EPS Next 5Y10.39%
Revenue 1Y (TTM)35.29%
Revenue growth 3Y24.46%
Revenue growth 5Y27.49%
Sales Q2Q%10.7%
Revenue Next Year36.19%
Revenue Next 2Y27.43%
Revenue Next 3Y22.47%
Revenue Next 5Y19.63%
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 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 2 / 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 24.02 and the Price/Book (PB) ratio is 5.79.
Can you provide the financial health for PROT stock?
The financial health rating of PROTECTOR FORSIKRING ASA (PROT.OL) is 4 / 10.