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Protector Forsikring ASAOB:PROT Stock Report

Market Cap NOK 38.1b
Share Price
NOK 462.00
My Fair Value
NOK 554
16.6% undervalued intrinsic discount
1Y59.3%
7D-3.1%
Portfolio Value
​
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Protector Forsikring ASA

OB:PROT Stock Report

Market Cap: NOK 38.1b

Protector Forsikring (PROT) Stock Overview

Operates as a non-life insurance company, provides direct general insurance and reinsurance to the commercial lines of business, public sector, and affinity schemes. More details

PROT fundamental analysis
Snowflake Score
Valuation4/6
Future Growth2/6
Past Performance4/6
Financial Health4/6
Dividends0/6

Rewards

Trading at 47.2% below our estimate of its fair value

Revenue is forecast to grow 9.08% per year

Earnings grew by 11% over the past year

Analysts in good agreement that stock price will rise by 21.8%

Risk Analysis

No risks detected for PROT from our risk checks.

PROT Community Fair Values

Create Narrative

See what 25 others think this stock is worth. Follow their fair value or set your own to get alerts.

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Protector Forsikring

AI Investments Will Unlock Efficiency In Key European Markets

Key Takeaways Investment in AI tools and technology aims to enhance productivity, improve operational efficiency, and positively impact net margins long-term. Strong solvency from successful bond placement provides financial flexibility for expansion in new markets, potentially boosting revenue growth.
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NOK 554
FV
16.6% undervalued intrinsic discount
9.64%
Revenue growth p.a.
1users have liked this narrative
0users have commented on this narrative
11users have followed this narrative
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Protector Forsikring ASA Competitors

Price History & Performance

Summary of share price highs, lows and changes for Protector Forsikring
Historical stock prices
Current Share PriceNOK 462.00
52 Week HighNOK 528.00
52 Week LowNOK 275.50
Beta0.45
1 Month Change-3.95%
3 Month Change-10.64%
1 Year Change59.31%
3 Year Change269.60%
5 Year Change920.99%
Change since IPO7,600.00%

Recent News & Updates

With EPS Growth And More, Protector Forsikring (OB:PROT) Makes An Interesting Case

Aug 11
With EPS Growth And More, Protector Forsikring (OB:PROT) Makes An Interesting Case

Protector Forsikring ASA's (OB:PROT) 28% Share Price Surge Not Quite Adding Up

Jul 15
Protector Forsikring ASA's (OB:PROT) 28% Share Price Surge Not Quite Adding Up

Recent updates

With EPS Growth And More, Protector Forsikring (OB:PROT) Makes An Interesting Case

Aug 11
With EPS Growth And More, Protector Forsikring (OB:PROT) Makes An Interesting Case

Protector Forsikring ASA's (OB:PROT) 28% Share Price Surge Not Quite Adding Up

Jul 15
Protector Forsikring ASA's (OB:PROT) 28% Share Price Surge Not Quite Adding Up

What Protector Forsikring ASA's (OB:PROT) 26% Share Price Gain Is Not Telling You

May 22
What Protector Forsikring ASA's (OB:PROT) 26% Share Price Gain Is Not Telling You

Results: Protector Forsikring ASA Beat Earnings Expectations And Analysts Now Have New Forecasts

Apr 27
Results: Protector Forsikring ASA Beat Earnings Expectations And Analysts Now Have New Forecasts

We Think The Compensation For Protector Forsikring ASA's (OB:PROT) CEO Looks About Right

Apr 04
We Think The Compensation For Protector Forsikring ASA's (OB:PROT) CEO Looks About Right
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Investing In Technology And Expanding Into France Will Improve Operational Efficiency

Enhancing data quality and investing in technology could improve operational efficiencies and net margins, supporting long-term scalability and earning growth.

Do Protector Forsikring's (OB:PROT) Earnings Warrant Your Attention?

Jan 20
Do Protector Forsikring's (OB:PROT) Earnings Warrant Your Attention?

Protector Forsikring ASA's (OB:PROT) Price Is Out Of Tune With Earnings

Dec 25
Protector Forsikring ASA's (OB:PROT) Price Is Out Of Tune With Earnings

Protector Forsikring ASA's (OB:PROT) Business Is Trailing The Market But Its Shares Aren't

Jul 14
Protector Forsikring ASA's (OB:PROT) Business Is Trailing The Market But Its Shares Aren't

It Looks Like The CEO Of Protector Forsikring ASA (OB:PROT) May Be Underpaid Compared To Peers

Apr 05
It Looks Like The CEO Of Protector Forsikring ASA (OB:PROT) May Be Underpaid Compared To Peers

Does Protector Forsikring (OB:PROT) Deserve A Spot On Your Watchlist?

Oct 05
Does Protector Forsikring (OB:PROT) Deserve A Spot On Your Watchlist?

Should You Be Adding Protector Forsikring (OB:PROT) To Your Watchlist Today?

May 26
Should You Be Adding Protector Forsikring (OB:PROT) To Your Watchlist Today?

Protector Forsikring's (OB:PROT) Dividend Will Be Increased To NOK2.00

May 01
Protector Forsikring's (OB:PROT) Dividend Will Be Increased To NOK2.00

Analysts' Revenue Estimates For Protector Forsikring ASA (OB:PROT) Are Surging Higher

Jan 26
Analysts' Revenue Estimates For Protector Forsikring ASA (OB:PROT) Are Surging Higher

Shareholder Returns

PROTNO InsuranceNO Market
7D-3.1%-0.6%0.5%
1Y59.3%22.8%6.6%

Return vs Industry: PROT exceeded the Norwegian Insurance industry which returned 22.8% over the past year.

Return vs Market: PROT exceeded the Norwegian Market which returned 6.6% over the past year.

Price Volatility

Is PROT's price volatile compared to industry and market?
PROT volatility
PROT Average Weekly Movement3.8%
Insurance Industry Average Movement3.0%
Market Average Movement4.5%
10% most volatile stocks in NO Market10.7%
10% least volatile stocks in NO Market2.4%

Stable Share Price: PROT has not had significant price volatility in the past 3 months compared to the Norwegian market.

Volatility Over Time: PROT's weekly volatility (4%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
2003594Henrik Hoyewww.protectorforsikring.no

Protector Forsikring ASA, operates as a non-life insurance company, provides direct general insurance and reinsurance to the commercial lines of business, public sector, and affinity schemes. The company offers property insurance, motor insurance, personal insurance, and liability insurance. It sells its products through insurance brokers and agents.

Protector Forsikring ASA Fundamentals Summary

How do Protector Forsikring's earnings and revenue compare to its market cap?
PROT fundamental statistics
Market capNOK 38.08b
Earnings (TTM)NOK 2.16b
Revenue (TTM)NOK 13.75b
17.6x
P/E Ratio
2.8x
P/S Ratio

Is PROT overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
PROT income statement (TTM)
RevenueNOK 13.75b
Cost of RevenueNOK 9.04b
Gross ProfitNOK 4.72b
Other ExpensesNOK 2.56b
EarningsNOK 2.16b

Last Reported Earnings

Sep 30, 2025

Next Earnings Date

Jan 29, 2026

Earnings per share (EPS)26.28
Gross Margin34.31%
Net Profit Margin15.73%
Debt/Equity Ratio48.9%

How did PROT perform over the long term?

See historical performance and comparison

Dividends

1.7%
Current Dividend Yield
14%
Payout Ratio

Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2025/10/24 16:51
End of Day Share Price 2025/10/24 00:00
Earnings2025/09/30
Annual Earnings2024/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

Protector Forsikring ASA is covered by 6 analysts. 3 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Gianandrea RobertiCarnegie Investment Bank AB
Håkon AstrupDNB Carnegie
Simen AasDNB Carnegie