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

OSL:PROT • NO0010209331

Current stock price

516 NOK
+16.5 (+3.3%)
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 negative 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 has a better Return On Assets (9.15%) than 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.
  • The Return On Invested Capital of PROT (10.33%) is better than 97.87% of its industry peers.
  • The Average Return On Invested Capital over the past 3 years for PROT is significantly above the industry average of 3.34%.
  • The 3 year average ROIC (8.51%) for PROT is below the current ROIC(10.33%), indicating increased profibility in the last year.
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

  • Looking at the Profit Margin, with a value of 17.51%, PROT belongs to the top of the industry, outperforming 91.49% of the companies in the same industry.
  • PROT's Profit Margin has been stable in the last couple of years.
  • PROT has a better Operating Margin (25.48%) than 91.49% of its industry peers.
  • In the last couple of years the Operating Margin of PROT has grown nicely.
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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ROAROEROICOperating and Profit MarginShow most profitable peers

3

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.
  • 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.
  • 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 2.45. 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 2.45. This is amongst the best in the industry. PROT outperforms 97.87% of its industry peers.
  • PROT has a Debt/Equity ratio of 0.30. This is a healthy value indicating a solid balance between debt and equity.
  • Looking at the Debt to Equity ratio, with a value of 0.30, PROT is in the better half of the industry, outperforming 78.72% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.3
Debt/FCF N/A
Altman-Z 2.45
ROIC/WACC1.24
WACC8.34%
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.
  • The Current ratio of PROT (0.18) is better than 68.09% of its industry peers.
  • A Quick Ratio of 0.18 indicates that PROT may have some problems paying its short term obligations.
  • The Quick ratio of PROT (0.18) is better than 68.09% 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.
  • The Earnings Per Share has been growing by 21.56% on average over the past years. This is a very strong growth
  • The Revenue has grown by 22.32% 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 22.83% on average per year.
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.
  • PROT is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 13.86% yearly.
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

  • The EPS growth rate is decreasing: in the next years the growth will be less 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.
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

  • PROT is valuated correctly with a Price/Earnings ratio of 16.23.
  • PROT's Price/Earnings ratio is a bit more expensive when compared to the industry. PROT is more expensive than 68.09% of the companies in the same industry.
  • When comparing the Price/Earnings ratio of PROT to the average of the S&P500 Index (25.73), we can say PROT is valued slightly cheaper.
  • With a Price/Forward Earnings ratio of 18.08, PROT is valued on the expensive side.
  • PROT's Price/Forward Earnings ratio is rather expensive when compared to the industry. PROT is more expensive than 89.36% of the companies in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 23.72. PROT is valued slightly cheaper when compared to this.
Industry RankSector Rank
PE 16.23
Fwd PE 18.08
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 25

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)0.75
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

  • With a Yearly Dividend Yield of 2.70%, PROT has a reasonable but not impressive dividend return.
  • Compared to an average industry Dividend Yield of 4.14, PROT is paying slightly less dividend.
  • PROT's Dividend Yield is a higher than the S&P500 average which is at 1.91.
Industry RankSector Rank
Dividend Yield 2.7%

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 (3/20/2026, 4:19:56 PM)

516

+16.5 (+3.3%)

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 Cap42.57B
Revenue(TTM)14.91B
Net Income(TTM)2.61B
Analysts84.44
Price Target622.2 (20.58%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 2.7%
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)8.64%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.63%
Valuation
Industry RankSector Rank
PE 16.23
Fwd PE 18.08
P/S 2.85
P/FCF N/A
P/OCF N/A
P/B 5.55
P/tB 5.63
EV/EBITDA N/A
EPS(TTM)31.8
EY6.16%
EPS(NY)28.55
Fwd EY5.53%
FCF(TTM)-2.44
FCFYN/A
OCF(TTM)-1.15
OCFYN/A
SpS180.76
BVpS93.02
TBVpS91.59
PEG (NY)N/A
PEG (5Y)0.75
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 2.45
F-Score5
WACC8.34%
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 16.23 and the Price/Book (PB) ratio is 5.55.


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%.