PROT Stock Analysis: Protector Forsikring ASA | OL
Insurance - Property & Casualty | OL, Norway | Market Cap: 37.256m NOK | 12M Return: 1.9% | NO0010209331 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 46.8M
EPS Trend: 81.6%
Qual. Beats: 1
Rev. Trend: 97.0%
Qual. Beats: 0
Warnings
Tailwinds
No distinct edge detected
Seasonality 11.7 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Protector Forsikring ASA is a Norwegian non-life insurance company that provides general insurance and reinsurance services across six European markets: Norway, Sweden, Finland, Denmark, the United Kingdom, and France. Its product range covers personal, motor, property, liability, and change of ownership insurance.
The company distributes its products through insurance brokers and agents, serving three main customer segments: commercial lines of business, the public sector, and affinity schemes. Founded in 2003 and headquartered in Oslo, Protector Forsikring operates within the Property & Casualty Insurance sub-industry of the Financials sector.
As a non-life insurer, the company underwrites risks related to property, vehicles, and liability rather than life or health policies, while its reinsurance activity involves assuming portions of risk portfolios from primary insurers in exchange for a share of the premiums.
- Nordic premium growth outpaces market in commercial lines
- Combined ratio remains below target driving margin expansion
- Capital returns through dividends and buybacks continue
| Net Income: 2.08b TTM > 0 and > 6% of Revenue |
| FCF/TA: -0.01 > 0.02 and ΔFCF/TA -0.90 > 1.0 |
| NWC/Revenue: error (cannot be calculated; needs Current Assets/Liabilities and Revenue current+prev) |
| CFO/TA -0.00 > 3% & CFO -95.0m > Net Income 2.08b |
| Net Debt (-601.0m) to EBITDA (2.92b): -0.21 < 3 |
| Current Ratio: error (cannot be calculated; needs correct Total Current Assets and Liabilities) |
| Outstanding Shares: last quarter (82.3m) vs 12m ago -0.14% < -2% |
| Gross Margin: error (current vs previous; cannot be calculated due to missing/invalid data or negative margin) |
| Asset Turnover: 49.40% > 50% (prev 46.34%; Δ 3.06% > 0%) |
| Interest Coverage Ratio: 23.62 > 6 (EBIT TTM 2.83b / Interest Expense TTM 120.0m) |
As of October 31, 2026, the stock is trading at NOK 448.00 with a total of 67,684 shares traded. Over the past week, the price has changed by +2.36%, over one month by +5.76%, over three months by -8.51% and over the past year by +1.93%.
Current recommended Stop Loss: 435.80 (which is 2.7% or 1.2 ATR below the current price).
Protector Forsikring ASA has no consensus analysts rating.
P/E Trailing = 15.5159
P/E Forward = 14.556
P/S = 2.5726
P/B = 4.8351
P/EG = 0.3626
Revenue TTM = 14.7b NOK
EBIT TTM = 2.83b NOK
EBITDA TTM = 2.92b NOK
Long Term Debt = 2.34b NOK (from longTermDebt, last quarter)
Short Term Debt = unknown (none)
Debt = 355.0m NOK (Leases only: 355.0m)
Net Debt = -601.0m NOK (calculated: Debt 355.0m - CCE 956.0m)
Enterprise Value = 36.7b NOK (37.3b + Debt 355.0m - CCE 956.0m)
Interest Coverage Ratio = 23.62 (Ebit TTM 2.83b / Interest Expense TTM 120.0m)
EV/FCF = -182.4x (Enterprise Value 36.7b / FCF TTM -201.0m)
FCF Yield = -0.55% (FCF TTM -201.0m / Enterprise Value 36.7b)
FCF Margin = -1.37% (FCF TTM -201.0m / Revenue TTM 14.7b)
Net Margin = 14.16% (Net Income TTM 2.08b / Revenue TTM 14.7b)
Gross Margin = unknown ((Revenue TTM 14.7b - Cost of Revenue TTM 0.0) / Revenue TTM)
Tobins Q-Ratio = 1.23 (Enterprise Value 36.7b / Total Assets 29.8b)
Interest Expense / Debt = 33.80% (Interest Expense 120.0m / Debt 355.0m)
Taxrate = 25.57% (725.0m / 2.83b)
NOPAT = 2.11b (EBIT 2.83b * (1 - 25.57%))
Current Ratio = unknown (Total Current Assets 956.0m / Total Current Liabilities none)
Debt / Equity = 0.05 (Debt 355.0m / totalStockholderEquity, last quarter 7.41b)
Debt / EBITDA = -0.21 (Net Debt -601.0m / EBITDA 2.92b)
Debt / FCF = 2.99 (negative FCF - burning cash) (Net Debt -601.0m / FCF TTM -201.0m)
Total Stockholder Equity = 7.23b (last 4 quarters mean from totalStockholderEquity)
RoA = 7.00% (Net Income 2.08b / Total Assets 29.8b)
RoE = 28.80% (Net Income TTM 2.08b / Total Stockholder Equity 7.23b)
RoCE = 29.62% (EBIT 2.83b / Capital Employed (Equity 7.23b + L.T.Debt 2.34b))
RoIC = unknown (NOPAT 2.11b, Invested Capital 0.0, EBIT 2.83b)
WACC = 6.90% (E(37.3b)/V(37.6b) * Re(6.73%) + D(355.0m)/V(37.6b) * Rd(33.80%) * (1-Tc(0.26)))
Discount Rate = 6.73% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -43.41 | Cagr: -0.08%
[DCF] Fair Price = unknown (Cash Flow -201.0m)
EPS Correlation: 81.61 | EPS CAGR: 22.53% | SUE: 2.38 | # QB: 1
Revenue Correlation: 97.00 | Revenue CAGR: 21.14% | SUE: 0.23 | # QB: 0
EPS current Quarter (2027-03-31): EPS=0.00 | Chg30d=N/A | Revisions=N/A | Analysts=0
EPS current Year (2026-12-31): EPS=25.34 | Chg30d=+0.00% | Revisions=+0% | GrowthEPS=-20.1% | GrowthRev=+10.4%
EPS next Year (2027-12-31): EPS=28.84 | Chg30d=+0.86% | Revisions=+0% | GrowthEPS=+13.8% | GrowthRev=+7.9%
[Analyst] Revisions Ratio: +0% (up=2, down=2)