PROTECTOR FORSIKRING ASA (PROT.OL) Stock Fundamental Analysis

Europe • Euronext Oslo • OSL:PROT • NO0010209331

523 NOK
+6 (+1.16%)
Last: Feb 6, 2026, 07:00 PM
Fundamental Rating

5

We assign a fundamental rating of 5 out of 10 to PROT. PROT was compared to 47 industry peers in the Insurance industry. PROT has an average financial health and profitability rating. PROT is valued quite expensively, but it does show have an excellent growth rating.


Dividend Valuation Growth Profitability Health

6

1. Profitability

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.
  • The reported operating cash flow has been mixed in the past 5 years: PROT reported negative operating cash flow in multiple 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 0 500M -500M 1B 1.5B 2B

1.2 Ratios

  • PROT has a better Return On Assets (7.45%) than 100.00% of its industry peers.
  • PROT's Return On Equity of 33.16% is amongst the best of the industry. PROT outperforms 100.00% of its industry peers.
  • Looking at the Return On Invested Capital, with a value of 8.62%, PROT belongs to the top of the industry, outperforming 97.87% of the companies in the same industry.
  • Measured over the past 3 years, the Average Return On Invested Capital for PROT is above the industry average of 2.92%.
  • 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 RankSector 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%
PROT.OL Yearly ROA, ROE, ROICPROT.OL Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 -10 20 30

1.3 Margins

  • PROT has a better Profit Margin (15.62%) than 93.62% of its industry peers.
  • In the last couple of years the Profit Margin of PROT has declined.
  • PROT has a Operating Margin of 23.32%. This is amongst the best in the industry. PROT outperforms 89.36% of its industry peers.
  • PROT's Operating Margin has declined in the last couple of years.
Industry RankSector 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
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 0 10 20

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ROAROEROICOperating and Profit MarginShow most profitable peers

4

2. Health

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.
  • 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.
  • PROT has a better debt/assets ratio than last year.
PROT.OL Yearly Shares OutstandingPROT.OL Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 5B 10B 15B 20B

2.2 Solvency

  • An Altman-Z score of 2.25 indicates that PROT is not a great score, but indicates only limited risk for bankruptcy at the moment.
  • The Altman-Z score of PROT (2.25) is better than 97.87% of its industry peers.
  • A Debt/Equity ratio of 0.49 indicates that PROT is not too dependend on debt financing.
  • With a decent Debt to Equity ratio value of 0.49, PROT is doing good in the industry, outperforming 63.83% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.49
Debt/FCF N/A
Altman-Z 2.25
ROIC/WACC1.03
WACC8.36%
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 0 2B 4B

2.3 Liquidity

  • A Current Ratio of 0.16 indicates that PROT may have some problems paying its short term obligations.
  • PROT has a better Current ratio (0.16) than 70.21% 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.
  • PROT has a better Quick ratio (0.16) than 70.21% of its industry peers.
Industry RankSector Rank
Current Ratio 0.16
Quick Ratio 0.16
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 200M 400M 600M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

7

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.
  • The Earnings Per Share has been growing slightly by 7.66% on average over the past years.
  • Looking at the last year, PROT shows a quite strong growth in Revenue. The Revenue has grown by 12.23% in the last year.
  • 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 14.35% yearly.
  • PROT is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 15.65% yearly.
EPS Next Y81.58%
EPS Next 2Y20.08%
EPS Next 3Y14.35%
EPS Next 5YN/A
Revenue Next Year19.33%
Revenue Next 2Y14.4%
Revenue Next 3Y15.65%
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.
  • 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 0 10 20 30

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Find the best growth stocksShow best growing peers

3

4. Valuation

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 19.89, the valuation of PROT can be described as rather expensive.
  • Compared to the rest of the industry, the Price/Earnings ratio of PROT indicates a slightly more expensive valuation: PROT is more expensive than 78.72% of the companies listed in the same industry.
  • PROT's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 27.92.
  • PROT is valuated rather expensively with a Price/Forward Earnings ratio of 19.65.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of PROT indicates a rather expensive valuation: PROT more expensive than 89.36% of the companies listed in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 27.78, PROT is valued a bit cheaper.
Industry RankSector Rank
PE 19.89
Fwd PE 19.65
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

  • 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 14.35% in the coming years.
PEG (NY)0.24
PEG (5Y)N/A
EPS Next 2Y20.08%
EPS Next 3Y14.35%

More info and screens

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

3

5. Dividend

5.1 Amount

  • PROT has a Yearly Dividend Yield of 2.66%. Purely for dividend investing, there may be better candidates out there.
  • Compared to an average industry Dividend Yield of 4.09, PROT is paying slightly less dividend.
  • PROT's Dividend Yield is a higher than the S&P500 average which is at 1.83.
Industry RankSector Rank
Dividend Yield 2.66%

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 2Y20.08%
EPS Next 3Y14.35%
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 0 500M -500M 1B 1.5B
PROT.OL Dividend Payout.PROT.OL Dividend Payout, showing the Payout Ratio.PROT.OL Dividend Payout.PayoutRetained Earnings

More info and screens

Find the best dividend stocksShow peers with best dividend

PROTECTOR FORSIKRING ASA

OSL:PROT (2/6/2026, 7:00:00 PM)

523

+6 (+1.16%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)01-29
Earnings (Next)04-23
Inst Owners35.33%
Inst Owner ChangeN/A
Ins Owners0.39%
Ins Owner ChangeN/A
Market Cap43.15B
Revenue(TTM)13.85B
Net Income(TTM)2.16B
Analysts84.44
Price Target577.83 (10.48%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 2.66%
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)0.44%
PT rev (3m)2.81%
EPS NQ rev (1m)27.78%
EPS NQ rev (3m)27.78%
EPS NY rev (1m)11.41%
EPS NY rev (3m)8%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.07%
Valuation
Industry RankSector Rank
PE 19.89
Fwd PE 19.65
P/S 3.12
P/FCF N/A
P/OCF N/A
P/B 6.61
P/tB 6.73
EV/EBITDA N/A
EPS(TTM)26.29
EY5.03%
EPS(NY)26.62
Fwd EY5.09%
FCF(TTM)-5.54
FCFYN/A
OCF(TTM)-4.39
OCFYN/A
SpS167.89
BVpS79.07
TBVpS77.7
PEG (NY)0.24
PEG (5Y)N/A
Graham Number216.26
Profitability
Industry RankSector 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 RankSector 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 2.25
F-Score2
WACC8.36%
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 Y81.58%
EPS Next 2Y20.08%
EPS Next 3Y14.35%
EPS Next 5YN/A
Revenue 1Y (TTM)12.23%
Revenue growth 3Y27.1%
Revenue growth 5Y22.85%
Sales Q2Q%10.7%
Revenue Next Year19.33%
Revenue Next 2Y14.4%
Revenue Next 3Y15.65%
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.


Can you provide the valuation status for PROTECTOR FORSIKRING ASA?

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 6 / 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 19.89 and the Price/Book (PB) ratio is 6.61.


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 34.3%.