(PROT) Protector Forsikring ASA - OL
Sector: Financial Services | Industry: Insurance - Specialty | Exchange: OL (Norway) | Market Cap: 39.577m NOK | Total Return: 22% in 12m
Avg Turnover: 64.3M
EPS Trend: 77.1%
Qual. Beats: 0
Rev. Trend: 98.3%
Qual. Beats: 0
Warnings
Choppy
Tailwinds
No distinct edge detected
Protector Forsikring ASA is a Norwegian non-life insurance company providing general insurance and reinsurance services across the Nordic region, the United Kingdom, and France. The company specializes in property, liability, motor, and change of ownership insurance, primarily serving the public sector, commercial clients, and affinity schemes.
The firm operates a broker-led distribution model, which minimizes internal sales costs by leveraging third-party intermediaries to reach commercial and municipal clients. In the Property & Casualty sector, profitability is heavily dictated by the combined ratio, which measures the balance between incurred losses and expenses against earned premiums.
- UK market expansion drives gross written premium growth
- Combined ratio stability maintains underwriting profitability across Nordic regions
- Investment portfolio returns fluctuate with Nordic and UK equity markets
- Capital allocation strategy prioritizes high dividend payouts and share buybacks
| Net Income: 2.06b TTM > 0 and > 6% of Revenue |
| FCF/TA: -0.01 > 0.02 and ΔFCF/TA 0.39 > 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 2.06b |
| Net Debt (-680.0m) to EBITDA (2.85b): -0.24 < 3 |
| Current Ratio: error (cannot be calculated; needs correct Total Current Assets and Liabilities) |
| Outstanding Shares: last quarter (82.4m) vs 12m ago 0.01% < -2% |
| Gross Margin: error (current vs previous; cannot be calculated due to missing/invalid data or negative margin) |
| Asset Turnover: 52.24% > 50% (prev 47.42%; Δ 4.82% > 0%) |
| Interest Coverage Ratio: 23.07 > 6 (EBIT TTM 2.77b / Interest Expense TTM 120.0m) |
As of June 20, 2026, the stock is trading at NOK 473.00 with a total of 245,228 shares traded.
Over the past week, the price has changed by +4.72%,
over one month by +3.98%,
over three months by -4.90% and
over the past year by +22.04%.
Protector Forsikring ASA has no consensus analysts rating.
P/E Trailing = 19.6245
P/E Forward = 18.9394
P/S = 2.7667
P/B = 5.4374
P/EG = 0.3626
Revenue TTM = 14.5b NOK
EBIT TTM = 2.77b NOK
EBITDA TTM = 2.85b 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 = -680.0m NOK (calculated: Debt 355.0m - CCE 1.03b)
Enterprise Value = 38.9b NOK (39.6b + Debt 355.0m - CCE 1.03b)
Interest Coverage Ratio = 23.07 (Ebit TTM 2.77b / Interest Expense TTM 120.0m)
EV/FCF = -193.5x (Enterprise Value 38.9b / FCF TTM -201.0m)
FCF Yield = -0.52% (FCF TTM -201.0m / Enterprise Value 38.9b)
FCF Margin = -1.38% (FCF TTM -201.0m / Revenue TTM 14.5b)
Net Margin = 14.17% (Net Income TTM 2.06b / Revenue TTM 14.5b)
Gross Margin = unknown ((Revenue TTM 14.5b - Cost of Revenue TTM 0.0) / Revenue TTM)
Tobins Q-Ratio = 1.37 (Enterprise Value 38.9b / Total Assets 28.3b)
Interest Expense / Debt = 33.80% (Interest Expense 120.0m / Debt 355.0m)
Taxrate = 25.14% (696.0m / 2.77b)
NOPAT = 2.07b (EBIT 2.77b * (1 - 25.14%))
Current Ratio = unknown (Total Current Assets 1.03b / Total Current Liabilities none)
Debt / Equity = 0.05 (Debt 355.0m / totalStockholderEquity, last quarter 7.32b)
Debt / EBITDA = -0.24 (Net Debt -680.0m / EBITDA 2.85b)
Debt / FCF = 3.38 (negative FCF - burning cash) (Net Debt -680.0m / FCF TTM -201.0m)
Total Stockholder Equity = 6.95b (last 4 quarters mean from totalStockholderEquity)
RoA = 7.40% (Net Income 2.06b / Total Assets 28.3b)
RoE = 29.61% (Net Income TTM 2.06b / Total Stockholder Equity 6.95b)
RoCE = 29.79% (EBIT 2.77b / Capital Employed (Equity 6.95b + L.T.Debt 2.34b))
RoIC = unknown (NOPAT 2.07b, Invested Capital 0.0, EBIT 2.77b)
WACC = 8.00% (E(39.6b)/V(39.9b) * Re(7.84%) + D(355.0m)/V(39.9b) * Rd(33.80%) * (1-Tc(0.25)))
Discount Rate = 7.84% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -15.56 | Cagr: -0.08%
[DCF] Fair Price = unknown (Cash Flow -201.0m)
EPS Correlation: 77.13 | EPS CAGR: 20.37% | SUE: 0.30 | # QB: 0
Revenue Correlation: 98.25 | Revenue CAGR: 24.37% | SUE: -0.39 | # QB: 0
EPS current Quarter (2026-06-30): EPS=8.45 | Chg30d=N/A | Revisions=N/A | Analysts=2
EPS next Quarter (2026-09-30): EPS=7.10 | Chg30d=N/A | Revisions=N/A | Analysts=1
EPS current Year (2026-12-31): EPS=24.16 | Chg30d=-7.31% | Revisions=-14% | GrowthEPS=-23.8% | GrowthRev=+10.4%
EPS next Year (2027-12-31): EPS=27.94 | Chg30d=-1.27% | Revisions=-43% | GrowthEPS=+15.6% | GrowthRev=+10.4%
[Analyst] Revisions Ratio: -43%