PROTECTOR FORSIKRING ASA (PROT.OL) Stock Fundamental Analysis
Europe - OSL:PROT - NO0010209331 - Common Stock
462 NOK
-0.5 (-0.11%)
Overall PROT gets a fundamental rating of 5 out of 10. We evaluated PROT against 39 industry peers in the Insurance industry. PROT has an excellent profitability rating, but there are some minor concerns on its financial health. PROT is valued quite expensive, but it does show an excellent growth.
1. Profitability
1.1 Basic Checks
PROT had positive earnings in the past year.
In the past year PROT had a positive 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.
1.2 Ratios
With an excellent Return On Assets value of 7.70%, PROT belongs to the best of the industry, outperforming 100.00% of the companies in the same industry.
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.
With an excellent Return On Invested Capital value of 8.62%, PROT belongs to the best 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 2.36%.
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
Looking at the Profit Margin, with a value of 16.76%, PROT belongs to the top of the industry, outperforming 94.87% of the companies in the same industry.
In the last couple of years the Profit Margin of PROT has declined.
Looking at the Operating Margin, with a value of 24.29%, PROT belongs to the top of the industry, outperforming 89.74% of the companies in the same industry.
PROT's Operating Margin has declined in the last couple of years.
| 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
With a Return on Invested Capital (ROIC) just above the Cost of Capital (WACC), PROT is creating some value.
The number of shares outstanding for PROT remains at a similar level compared to 1 year ago.
The number of shares outstanding for PROT has been increased compared to 5 years ago.
The debt/assets ratio for PROT has been reduced compared to a year ago.
2.2 Solvency
PROT has an Altman-Z score of 2.07. 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.
The Altman-Z score of PROT (2.07) is better than 100.00% of its industry peers.
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: 71.79% 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.
Looking at the Debt to Equity ratio, with a value of 0.43, PROT is in the better half of the industry, outperforming 79.49% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.43 | ||
| Debt/FCF | 38.4 | ||
| Altman-Z | 2.07 |
ROIC/WACC1.03
WACC8.34%
2.3 Liquidity
A Current Ratio of 0.17 indicates that PROT may have some problems paying its short term obligations.
Looking at the Current ratio, with a value of 0.17, PROT is in the better half of the industry, outperforming 69.23% of the companies in the same industry.
A Quick Ratio of 0.17 indicates that PROT may have some problems paying its short term obligations.
With a decent Quick ratio value of 0.17, PROT is doing good in the industry, outperforming 69.23% of the companies in the same industry.
| 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 66.61% 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.
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.
The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 16.62 indicates a correct valuation of PROT.
Based on the Price/Earnings ratio, PROT is valued a bit more expensive than the industry average as 69.23% of the companies are valued more cheaply.
Compared to an average S&P500 Price/Earnings ratio of 26.91, PROT is valued a bit cheaper.
Based on the Price/Forward Earnings ratio of 17.60, the valuation of PROT can be described as rather expensive.
PROT's Price/Forward Earnings ratio is rather expensive when compared to the industry. PROT is more expensive than 84.62% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of PROT to the average of the S&P500 Index (22.92), we can say PROT is valued slightly cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.62 | ||
| Fwd PE | 17.6 |
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 | 544.5 | ||
| 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.
The decent profitability rating of PROT 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)0.24
PEG (5Y)N/A
EPS Next 2Y19.24%
EPS Next 3Y13.88%
5. Dividend
5.1 Amount
PROT has a Yearly Dividend Yield of 1.05%. Purely for dividend investing, there may be better candidates out there.
With a Dividend Yield of 1.05, PROT pays less dividend than the industry average, which is at 4.55. 89.74% of the companies listed in the same industry pay a better dividend than PROT!
Compared to an average S&P500 Dividend Yield of 2.34, PROT's dividend is way lower than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.05% |
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 2Y19.24%
EPS Next 3Y13.88%
OSL:PROT (10/24/2025, 7:00:00 PM)
462
-0.5 (-0.11%)
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 Cap38.12B
Revenue(TTM)13.63B
Net Income(TTM)2.29B
Analysts84.44
Price Target562.02 (21.65%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.05% |
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)-12.75%
EPS NQ rev (3m)6.56%
EPS NY rev (1m)0%
EPS NY rev (3m)48.6%
Revenue NQ rev (1m)-0.41%
Revenue NQ rev (3m)0.72%
Revenue NY rev (1m)0%
Revenue NY rev (3m)2.93%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.62 | ||
| Fwd PE | 17.6 | ||
| P/S | 2.8 | ||
| P/FCF | 544.5 | ||
| P/OCF | 254.1 | ||
| P/B | 6.06 | ||
| P/tB | 6.17 | ||
| EV/EBITDA | N/A |
EPS(TTM)27.79
EY6.02%
EPS(NY)26.25
Fwd EY5.68%
FCF(TTM)0.85
FCFY0.18%
OCF(TTM)1.82
OCFY0.39%
SpS165.25
BVpS76.23
TBVpS74.85
PEG (NY)0.24
PEG (5Y)N/A
Graham Number218.32
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 | 2.07 |
F-Score5
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)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 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 16.62 and the Price/Book (PB) ratio is 6.06.
Can you provide the financial health for PROT stock?
The financial health rating of PROTECTOR FORSIKRING ASA (PROT.OL) is 4 / 10.