PROTECTOR FORSIKRING ASA (PROT.OL) Stock Fundamental Analysis
Europe - OSL:PROT - NO0010209331 - Common Stock
474 NOK
+12 (+2.6%)
Overall PROT gets a fundamental rating of 5 out of 10. We evaluated PROT against 40 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.
1. Profitability
1.1 Basic Checks
In the past year PROT was profitable.
In the past year PROT has reported a negative cash flow from operations.
Each year in the past 5 years PROT has 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
The Return On Assets of PROT (7.45%) is better than 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.
The Return On Invested Capital of PROT (8.62%) is better than 100.00% of its industry peers.
PROT had an Average Return On Invested Capital over the past 3 years of 7.88%. This is significantly above the industry average of 2.35%.
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 | 7.45% | ||
| 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
The Profit Margin of PROT (15.62%) is better than 87.50% of its industry peers.
PROT's Profit Margin has declined in the last couple of years.
Looking at the Operating Margin, with a value of 23.32%, PROT belongs to the top of the industry, outperforming 87.50% of the companies in the same industry.
PROT's Operating Margin has declined in the last couple of years.
| 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
The Return on Invested Capital (ROIC) is just above the Cost of Capital (WACC), so PROT is still creating some value.
PROT has about the same amout of shares outstanding than it did 1 year ago.
The number of shares outstanding for PROT has been increased compared to 5 years ago.
PROT has a better debt/assets ratio than last year.
2.2 Solvency
PROT has an Altman-Z score of 2.13. 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 2.13, PROT belongs to the top of the industry, outperforming 100.00% 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.
The Debt to Equity ratio of PROT (0.49) is better than 75.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.49 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 2.13 |
ROIC/WACC1.03
WACC8.34%
2.3 Liquidity
PROT has a Current 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.
Looking at the Current ratio, with a value of 0.16, PROT is in the better half of the industry, outperforming 67.50% of the companies in the same industry.
A Quick Ratio of 0.16 indicates that PROT may have some problems paying its short term obligations.
PROT's Quick ratio of 0.16 is fine compared to the rest of the industry. PROT outperforms 67.50% 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.
Measured over the past 5 years, PROT shows a small growth in Earnings Per Share. The EPS has been growing by 7.66% on average per year.
The Revenue has grown by 12.23% 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 22.85% 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
The Earnings Per Share is expected to grow by 13.69% 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 14.35% on average per year.
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
The Price/Earnings ratio is 18.03, which indicates a rather expensive current valuation of PROT.
67.50% of the companies in the same industry are cheaper than PROT, based on the Price/Earnings ratio.
PROT's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 25.47.
A Price/Forward Earnings ratio of 18.04 indicates a rather expensive valuation of PROT.
PROT's Price/Forward Earnings ratio is rather expensive when compared to the industry. PROT is more expensive than 87.50% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 35.42. PROT is valued slightly cheaper when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 18.03 | ||
| Fwd PE | 18.04 |
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.
PROT's earnings are expected to grow with 13.69% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.28
PEG (5Y)N/A
EPS Next 2Y19.31%
EPS Next 3Y13.69%
5. Dividend
5.1 Amount
PROT has a Yearly Dividend Yield of 1.75%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 4.50, PROT's dividend is way lower than its industry peers. On top of this 85.00% of the companies listed in the same industry pay a better dividend than PROT!
Compared to the average S&P500 Dividend Yield of 2.44, PROT is paying slightly less dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.75% |
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 2Y19.31%
EPS Next 3Y13.69%
OSL:PROT (11/20/2025, 2:59:54 PM)
474
+12 (+2.6%)
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 Cap39.10B
Revenue(TTM)13.85B
Net Income(TTM)2.16B
Analysts84.44
Price Target575.28 (21.37%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.75% |
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 | 18.03 | ||
| Fwd PE | 18.04 | ||
| P/S | 2.82 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 5.99 | ||
| P/tB | 6.1 | ||
| EV/EBITDA | N/A |
EPS(TTM)26.29
EY5.55%
EPS(NY)26.28
Fwd EY5.54%
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 | 2.13 |
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 18.03 and the Price/Book (PB) ratio is 5.99.
Can you provide the financial health for PROT stock?
The financial health rating of PROTECTOR FORSIKRING ASA (PROT.OL) is 4 / 10.