PROTECTOR FORSIKRING ASA (PROT.OL) Stock Fundamental Analysis
Europe - OSL:PROT - NO0010209331 - Common Stock
454.5 NOK
-3 (-0.66%)
Taking everything into account, PROT scores 5 out of 10 in our fundamental rating. PROT was compared to 39 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
PROT had positive earnings in the past year.
PROT had a negative operating cash flow in the past year.
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 7.45%, PROT belongs to the best of the industry, outperforming 100.00% of the companies in the same industry.
PROT has a Return On Equity of 33.16%. This is amongst the best in the industry. PROT outperforms 100.00% of its industry peers.
PROT has a better Return On Invested Capital (8.62%) than 100.00% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for PROT is significantly above the industry average of 2.23%.
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 87.18% of its industry peers.
PROT's Profit Margin has declined in the last couple of years.
Looking at the Operating Margin, with a value of 23.32%, 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 | 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
With a Return on Invested Capital (ROIC) just above the Cost of Capital (WACC), PROT is creating some value.
Compared to 1 year ago, PROT has about the same amount of shares outstanding.
PROT has more shares outstanding than it did 5 years ago.
Compared to 1 year ago, PROT has an improved debt to assets ratio.
2.2 Solvency
An Altman-Z score of 2.12 indicates that PROT is not a great score, but indicates only limited risk for bankruptcy at the moment.
The Altman-Z score of PROT (2.12) is better than 100.00% of its industry peers.
A Debt/Equity ratio of 0.49 indicates that PROT is not too dependend on debt financing.
PROT has a better Debt to Equity ratio (0.49) than 74.36% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.49 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 2.12 |
ROIC/WACC1.04
WACC8.33%
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 66.67% 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 Quick ratio of 0.16. This is in the better half of the industry: PROT outperforms 66.67% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.16 | ||
| Quick Ratio | 0.16 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 9.95% over the past year.
PROT shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 7.66% yearly.
PROT shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 12.23%.
The Revenue has been growing by 22.85% on average over the past years. This is a very strong growth!
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
Based on estimates for the next years, PROT will show a quite strong growth in Earnings Per Share. The EPS will grow by 13.69% on average per year.
The Revenue is expected to grow by 14.35% on average over the next years. This is quite good.
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.
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.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 17.29 indicates a rather expensive valuation of PROT.
PROT's Price/Earnings ratio is a bit more expensive when compared to the industry. PROT is more expensive than 64.10% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 25.89. PROT is valued slightly cheaper when compared to this.
Based on the Price/Forward Earnings ratio of 17.29, the valuation of PROT can be described as rather expensive.
Based on the Price/Forward Earnings ratio, PROT is valued 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 (34.59), we can say PROT is valued slightly cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 17.29 | ||
| Fwd PE | 17.29 |
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.
A more expensive valuation may be justified as PROT's earnings are expected to grow with 13.69% in the coming years.
PEG (NY)0.27
PEG (5Y)N/A
EPS Next 2Y19.31%
EPS Next 3Y13.69%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 1.75%, PROT has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 4.52, PROT's dividend is way lower than its industry peers. On top of this 87.18% of the companies listed in the same industry pay a better dividend than PROT!
Compared to the average S&P500 Dividend Yield of 2.42, PROT is paying slightly less dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.75% |
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 (11/14/2025, 7:00:00 PM)
454.5
-3 (-0.66%)
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 Cap37.50B
Revenue(TTM)13.85B
Net Income(TTM)2.16B
Analysts84.44
Price Target575.28 (26.57%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.75% |
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)45.18%
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 | 17.29 | ||
| Fwd PE | 17.29 | ||
| P/S | 2.71 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 5.75 | ||
| P/tB | 5.85 | ||
| EV/EBITDA | N/A |
EPS(TTM)26.29
EY5.78%
EPS(NY)26.28
Fwd EY5.78%
FCF(TTM)-5.54
FCFYN/A
OCF(TTM)-4.39
OCFYN/A
SpS167.89
BVpS79.07
TBVpS77.7
PEG (NY)0.27
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 | 2.12 |
F-Score2
WACC8.33%
ROIC/WACC1.04
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 17.29 and the Price/Book (PB) ratio is 5.75.
Can you provide the financial health for PROT stock?
The financial health rating of PROTECTOR FORSIKRING ASA (PROT.OL) is 4 / 10.