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

OSL:PROT • NO0010209331

Current stock price

459 NOK
-4.5 (-0.97%)
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.
  • In the past year PROT has reported a negative cash flow from operations.
  • 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.
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 9.15% is amongst the best of the industry. PROT outperforms 100.00% of its industry peers.
  • PROT's Return On Equity of 34.04% is amongst the best of the industry. PROT outperforms 100.00% of its industry peers.
  • With an excellent Return On Invested Capital value of 10.33%, PROT belongs to the best of the industry, outperforming 100.00% of the companies in the same industry.
  • Measured over the past 3 years, the Average Return On Invested Capital for PROT is significantly above the industry average of 2.85%.
  • The last Return On Invested Capital (10.33%) for PROT is above the 3 year average (8.51%), which is a sign of increasing profitability.
Industry RankSector Rank
ROA 9.15%
ROE 34.04%
ROIC 10.33%
ROA(3y)7.54%
ROA(5y)7.45%
ROE(3y)31.9%
ROE(5y)33.35%
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

  • With an excellent Profit Margin value of 17.51%, PROT belongs to the best of the industry, outperforming 90.48% of the companies in the same industry.
  • In the last couple of years the Profit Margin of PROT has remained more or less at the same level.
  • PROT has a better Operating Margin (25.48%) than 92.86% of its industry peers.
  • PROT's Operating Margin has improved in the last couple of years.
Industry RankSector Rank
OM 25.48%
PM (TTM) 17.51%
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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3

2. PROT.OL Health Analysis

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.
  • Compared to 1 year ago, PROT has about the same amount of shares outstanding.
  • PROT has more shares outstanding than it did 5 years ago.
  • The debt/assets ratio for PROT is higher compared to a year ago.
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

  • An Altman-Z score of 2.36 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 2.36, PROT belongs to the top of the industry, outperforming 100.00% of the companies in the same industry.
  • A Debt/Equity ratio of 0.30 indicates that PROT is not too dependend on debt financing.
  • PROT has a Debt to Equity ratio of 0.30. This is in the better half of the industry: PROT outperforms 78.57% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.3
Debt/FCF N/A
Altman-Z 2.36
ROIC/WACC1.24
WACC8.31%
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

  • PROT has a Current Ratio of 0.18. This is a bad value and indicates that PROT is not financially healthy enough and could expect problems in meeting its short term obligations.
  • With a decent Current ratio value of 0.18, PROT is doing good in the industry, outperforming 66.67% of the companies in the same industry.
  • A Quick Ratio of 0.18 indicates that PROT may have some problems paying its short term obligations.
  • PROT has a Quick ratio of 0.18. This is in the better half of the industry: PROT outperforms 66.67% of its industry peers.
Industry RankSector Rank
Current Ratio 0.18
Quick Ratio 0.18
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 impressive 70.11% 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.
  • Looking at the last year, PROT shows a very strong growth in Revenue. The Revenue has grown by 22.32%.
  • The Revenue has been growing by 22.83% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)70.11%
EPS 3Y46.04%
EPS 5Y21.56%
EPS Q2Q%184.6%
Revenue 1Y (TTM)22.32%
Revenue growth 3Y25.19%
Revenue growth 5Y22.83%
Sales Q2Q%20.16%

3.2 Future

  • Based on estimates for the next years, PROT will show a decrease in Earnings Per Share. The EPS will decrease by -1.41% on average per year.
  • The Revenue is expected to grow by 13.86% on average over the next years. This is quite good.
EPS Next Y-10.23%
EPS Next 2Y-4.67%
EPS Next 3Y-1.41%
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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2

4. PROT.OL Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 14.43, PROT is valued correctly.
  • Based on the Price/Earnings ratio, PROT is valued a bit more expensive than the industry average as 61.90% of the companies are valued more cheaply.
  • Compared to an average S&P500 Price/Earnings ratio of 24.88, PROT is valued a bit cheaper.
  • Based on the Price/Forward Earnings ratio of 16.08, the valuation of PROT can be described as correct.
  • Based on the Price/Forward Earnings ratio, PROT is valued more expensive than 83.33% of the companies in the same industry.
  • When comparing the Price/Forward Earnings ratio of PROT to the average of the S&P500 Index (22.19), we can say PROT is valued slightly cheaper.
Industry RankSector Rank
PE 14.43
Fwd PE 16.08
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

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
PROT.OL Per share dataPROT.OL EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 50 100 150

4.3 Compensation for Growth

  • PROT has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)0.67
EPS Next 2Y-4.67%
EPS Next 3Y-1.41%

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

3

5. PROT.OL Dividend Analysis

5.1 Amount

  • PROT has a Yearly Dividend Yield of 2.80%.
  • Compared to an average industry Dividend Yield of 4.60, PROT is paying slightly less dividend.
  • Compared to an average S&P500 Dividend Yield of 1.89, PROT pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 2.8%

5.2 History

Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years0

5.3 Sustainability

  • 37.86% of the earnings are spent on dividend by PROT. This is a low number and sustainable payout ratio.
DP37.86%
EPS Next 2Y-4.67%
EPS Next 3Y-1.41%
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 (3/27/2026, 7:00:00 PM)

459

-4.5 (-0.97%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)01-28
Earnings (Next)04-23
Inst Owners37.52%
Inst Owner ChangeN/A
Ins Owners1.8%
Ins Owner ChangeN/A
Market Cap37.87B
Revenue(TTM)14.91B
Net Income(TTM)2.61B
Analysts84.44
Price Target622.2 (35.56%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 2.8%
Yearly Dividend12
Dividend Growth(5Y)N/A
DP37.86%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-14.52%
Min EPS beat(2)-15.54%
Max EPS beat(2)-13.49%
EPS beat(4)2
Avg EPS beat(4)2.54%
Min EPS beat(4)-15.54%
Max EPS beat(4)32.59%
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)-2.91%
Min Revenue beat(2)-3.17%
Max Revenue beat(2)-2.65%
Revenue beat(4)0
Avg Revenue beat(4)-3.1%
Min Revenue beat(4)-4.49%
Max Revenue beat(4)-2.09%
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)8.16%
EPS NQ rev (1m)0%
EPS NQ rev (3m)N/A
EPS NY rev (1m)7.23%
EPS NY rev (3m)5.85%
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 14.43
Fwd PE 16.08
P/S 2.54
P/FCF N/A
P/OCF N/A
P/B 4.93
P/tB 5.01
EV/EBITDA N/A
EPS(TTM)31.8
EY6.93%
EPS(NY)28.55
Fwd EY6.22%
FCF(TTM)-2.44
FCFYN/A
OCF(TTM)-1.15
OCFYN/A
SpS180.76
BVpS93.02
TBVpS91.59
PEG (NY)N/A
PEG (5Y)0.67
Graham Number257.98
Profitability
Industry RankSector Rank
ROA 9.15%
ROE 34.04%
ROCE 13.56%
ROIC 10.33%
ROICexc 10.47%
ROICexgc 11.11%
OM 25.48%
PM (TTM) 17.51%
GM N/A
FCFM N/A
ROA(3y)7.54%
ROA(5y)7.45%
ROE(3y)31.9%
ROE(5y)33.35%
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)11.16%
ROCE(5y)10.51%
ROICexgc growth 3Y5.83%
ROICexgc growth 5Y15.21%
ROICexc growth 3Y6.87%
ROICexc growth 5Y20.43%
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-Score5
Asset Turnover0.52
Health
Industry RankSector Rank
Debt/Equity 0.3
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales 0.71%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 0.18
Quick Ratio 0.18
Altman-Z 2.36
F-Score5
WACC8.31%
ROIC/WACC1.24
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)70.11%
EPS 3Y46.04%
EPS 5Y21.56%
EPS Q2Q%184.6%
EPS Next Y-10.23%
EPS Next 2Y-4.67%
EPS Next 3Y-1.41%
EPS Next 5YN/A
Revenue 1Y (TTM)22.32%
Revenue growth 3Y25.19%
Revenue growth 5Y22.83%
Sales Q2Q%20.16%
Revenue Next Year9.68%
Revenue Next 2Y13.86%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y62.92%
EBIT growth 3Y27.84%
EBIT growth 5Y34.44%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-116.45%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-107.34%
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.


Can you provide the valuation status for PROTECTOR FORSIKRING ASA?

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.


What is the valuation of PROTECTOR FORSIKRING ASA based on its PE and PB ratios?

The Price/Earnings (PE) ratio for PROTECTOR FORSIKRING ASA (PROT.OL) is 14.43 and the Price/Book (PB) ratio is 4.93.


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 37.86%.