PROTECTOR FORSIKRING ASA (PROT.OL) Stock Fundamental Analysis
Europe - Euronext Oslo - OSL:PROT - NO0010209331 - Common Stock
481.5 NOK
-6 (-1.23%)
We assign a fundamental rating of 5 out of 10 to PROT. PROT was compared to 48 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 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
Looking at the Return On Assets, with a value of 7.45%, PROT belongs to the top of the industry, outperforming 100.00% of the companies in the same industry.
The Return On Equity of PROT (33.16%) is better than 100.00% of its industry peers.
PROT has a Return On Invested Capital of 8.62%. This is amongst the best in the industry. PROT outperforms 97.92% 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 2.58%.
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 | 7.45% | ||
| 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.
In the last couple of years the Profit Margin of PROT has declined.
PROT's Operating Margin of 23.32% is amongst the best of the industry. PROT outperforms 85.42% of its industry peers.
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
PROT has a Return on Invested Capital (ROIC), which is just above the Cost of Capital (WACC), which means it is creating some value.
PROT has about the same amout of shares outstanding than it did 1 year ago.
PROT has more shares outstanding than it did 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 2.18. 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 2.18. This is amongst the best in the industry. PROT outperforms 97.92% of its industry peers.
A Debt/Equity ratio of 0.49 indicates that PROT is not too dependend on debt financing.
The Debt to Equity ratio of PROT (0.49) is better than 68.75% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.49 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 2.18 |
ROIC/WACC1.03
WACC8.34%
2.3 Liquidity
A Current Ratio of 0.16 indicates that PROT may have some problems paying its short term obligations.
PROT has a Current ratio of 0.16. This is in the better half of the industry: PROT outperforms 64.58% of its industry peers.
PROT has a Quick 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.
With a decent Quick ratio value of 0.16, PROT is doing good in the industry, outperforming 64.58% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.16 | ||
| Quick Ratio | 0.16 |
3. Growth
3.1 Past
PROT shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 9.95%, which is quite good.
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 quite a strong growth in Revenue. In the last year, the Revenue has grown by 12.23%.
PROT shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 22.85% yearly.
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
PROT is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 13.69% yearly.
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
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
Based on the Price/Earnings ratio of 18.31, the valuation of PROT can be described as rather expensive.
Based on the Price/Earnings ratio, PROT is valued a bit more expensive than the industry average as 72.92% of the companies are valued more cheaply.
PROT is valuated rather cheaply when we compare the Price/Earnings ratio to 26.31, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 18.32, 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 93.75% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 36.56, PROT is valued a bit cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 18.31 | ||
| Fwd PE | 18.32 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The 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
With a Yearly Dividend Yield of 1.64%, PROT has a reasonable but not impressive dividend return.
With a Dividend Yield of 1.64, PROT pays less dividend than the industry average, which is at 4.47. 87.50% of the companies listed in the same industry pay a better dividend than PROT!
Compared to the average S&P500 Dividend Yield of 2.32, PROT is paying slightly less dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.64% |
5.2 History
Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
34.30% of the earnings are spent on dividend by PROT. This is a low number and sustainable payout ratio.
DP34.3%
EPS Next 2Y19.31%
EPS Next 3Y13.69%
OSL:PROT (11/28/2025, 7:00:00 PM)
481.5
-6 (-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 Cap39.72B
Revenue(TTM)13.85B
Net Income(TTM)2.16B
Analysts84.44
Price Target575.28 (19.48%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.64% |
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)-2.3%
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 | 18.31 | ||
| Fwd PE | 18.32 | ||
| P/S | 2.87 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 6.09 | ||
| P/tB | 6.2 | ||
| EV/EBITDA | N/A |
EPS(TTM)26.29
EY5.46%
EPS(NY)26.28
Fwd EY5.46%
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 | 2.18 |
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 18.31 and the Price/Book (PB) ratio is 6.09.
Can you provide the financial health for PROT stock?
The financial health rating of PROTECTOR FORSIKRING ASA (PROT.OL) is 4 / 10.