PROTECTOR FORSIKRING ASA (PROT.OL) Stock Fundamental Analysis
OSL:PROT - Euronext Oslo - NO0010209331 - Common Stock - Currency: NOK
Overall PROT gets a fundamental rating of 5 out of 10. We evaluated PROT against 33 industry peers in the Insurance industry. PROT has an average financial health and profitability rating. PROT has a correct valuation and a medium growth rate.
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.
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.
1.2 Ratios
Looking at the Return On Assets, with a value of 6.24%, PROT belongs to the top of the industry, outperforming 100.00% of the companies in the same industry.
PROT has a better Return On Equity (28.29%) than 100.00% of its industry peers.
Looking at the Return On Invested Capital, with a value of 7.34%, PROT belongs to the top 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 2.25%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 6.24% | ||
| ROE | 28.29% | ||
| ROIC | 7.34% |
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
PROT has a better Profit Margin (12.62%) than 77.78% of its industry peers.
In the last couple of years the Profit Margin of PROT has declined.
PROT has a Operating Margin of 19.14%. This is amongst the best in the industry. PROT outperforms 83.33% of its industry peers.
In the last couple of years the Operating Margin of PROT has declined.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 19.14% | ||
| PM (TTM) | 12.62% | ||
| 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
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), PROT is destroying value.
Compared to 1 year ago, PROT has about the same amount of shares outstanding.
Compared to 5 years ago, PROT has more shares outstanding
Compared to 1 year ago, PROT has an improved debt to assets ratio.
2.2 Solvency
PROT has an Altman-Z score of 1.88. 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 better Altman-Z score (1.88) than 97.22% of its industry peers.
The Debt to FCF ratio of PROT is 1.55, which is an excellent value as it means it would take PROT, only 1.55 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of PROT (1.55) is better than 77.78% of its industry peers.
A Debt/Equity ratio of 0.35 indicates that PROT is not too dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.35, PROT is in the better half of the industry, outperforming 75.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.35 | ||
| Debt/FCF | 1.55 | ||
| Altman-Z | 1.88 |
ROIC/WACC0.9
WACC8.2%
2.3 Liquidity
A Current Ratio of 0.18 indicates that PROT may have some problems paying its short term obligations.
The Current ratio of PROT (0.18) is better than 69.44% of its industry peers.
A Quick Ratio of 0.18 indicates that PROT may have some problems paying its short term obligations.
Looking at the Quick ratio, with a value of 0.18, PROT is in the better half of the industry, outperforming 69.44% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.18 | ||
| Quick Ratio | 0.18 |
3. Growth
3.1 Past
PROT shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 2.11%.
Measured over the past 5 years, PROT shows a small growth in Earnings Per Share. The EPS has been growing by 7.72% on average per year.
Looking at the last year, PROT shows a quite strong growth in Revenue. The Revenue has grown by 18.61% in the last year.
The Revenue has been growing by 22.85% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)2.11%
EPS 3Y7.72%
EPS 5YN/A
EPS Q2Q%-63.41%
Revenue 1Y (TTM)18.61%
Revenue growth 3Y27.1%
Revenue growth 5Y22.85%
Sales Q2Q%12.31%
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 12.98% yearly.
The Revenue is expected to grow by 8.81% on average over the next years. This is quite good.
EPS Next Y25.03%
EPS Next 2Y15.87%
EPS Next 3Y12.98%
EPS Next 5YN/A
Revenue Next Year10.48%
Revenue Next 2Y8.81%
Revenue Next 3YN/A
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.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
PROT is valuated correctly with a Price/Earnings ratio of 16.68.
Based on the Price/Earnings ratio, PROT is valued a bit more expensive than 66.67% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 29.35, PROT is valued a bit cheaper.
With a Price/Forward Earnings ratio of 13.52, PROT is valued correctly.
PROT's Price/Forward Earnings ratio is rather expensive when compared to the industry. PROT is more expensive than 83.33% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.10, PROT is valued a bit cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.68 | ||
| Fwd PE | 13.52 |
4.2 Price Multiples
PROT's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 21.06 | ||
| 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.
The decent profitability rating of PROT may justify a higher PE ratio.
A more expensive valuation may be justified as PROT's earnings are expected to grow with 12.98% in the coming years.
PEG (NY)0.67
PEG (5Y)N/A
EPS Next 2Y15.87%
EPS Next 3Y12.98%
5. Dividend
5.1 Amount
No dividends for PROT!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
OSL:PROT (3/7/2025, 7:00:00 PM)
312
+2 (+0.65%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners36%
Inst Owner ChangeN/A
Ins Owners1.74%
Ins Owner ChangeN/A
Market Cap25.74B
Analysts84.44
Price Target377.4 (20.96%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Yearly Dividend9
Dividend Growth(5Y)N/A
DP48.23%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
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)2
Avg Revenue beat(2)4.74%
Min Revenue beat(2)1.89%
Max Revenue beat(2)7.59%
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
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)3.5%
PT rev (3m)10.45%
EPS NQ rev (1m)0%
EPS NQ rev (3m)N/A
EPS NY rev (1m)0.58%
EPS NY rev (3m)13.18%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)2.57%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.68 | ||
| Fwd PE | 13.52 | ||
| P/S | 2.11 | ||
| P/FCF | 21.06 | ||
| P/OCF | 19.89 | ||
| P/B | 4.73 | ||
| P/tB | 4.84 | ||
| EV/EBITDA | N/A |
EPS(TTM)18.71
EY6%
EPS(NY)23.08
Fwd EY7.4%
FCF(TTM)14.81
FCFY4.75%
OCF(TTM)15.68
OCFY5.03%
SpS147.8
BVpS65.93
TBVpS64.52
PEG (NY)0.67
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 6.24% | ||
| ROE | 28.29% | ||
| ROCE | 9.65% | ||
| ROIC | 7.34% | ||
| ROICexc | 7.49% | ||
| ROICexgc | 8.15% | ||
| OM | 19.14% | ||
| PM (TTM) | 12.62% | ||
| GM | N/A | ||
| FCFM | 10.02% |
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%
ROICexcg growth 3Y-2.97%
ROICexcg growth 5YN/A
ROICexc growth 3Y6.68%
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 Turnover0.49
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.35 | ||
| Debt/FCF | 1.55 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | 0.59% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | N/A | ||
| Profit Quality | 79.42% | ||
| Current Ratio | 0.18 | ||
| Quick Ratio | 0.18 | ||
| Altman-Z | 1.88 |
F-Score5
WACC8.2%
ROIC/WACC0.9
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)2.11%
EPS 3Y7.72%
EPS 5YN/A
EPS Q2Q%-63.41%
EPS Next Y25.03%
EPS Next 2Y15.87%
EPS Next 3Y12.98%
EPS Next 5YN/A
Revenue 1Y (TTM)18.61%
Revenue growth 3Y27.1%
Revenue growth 5Y22.85%
Sales Q2Q%12.31%
Revenue Next Year10.48%
Revenue Next 2Y8.81%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y11.81%
EBIT growth 3Y16.52%
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y2877.27%
FCF growth 3Y10.04%
FCF growth 5Y-2.19%
OCF growth 1Y4571.48%
OCF growth 3Y10.09%
OCF growth 5Y-1.74%