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PROT.OL

HOLD

Protector Forsikring ASA · Financial Services · Norway · $4.0B · Avg Vol: $5M/d

46
StockRank
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Q
70
V
41
M
29
P/E (TTM)
19.8x
ROE
30.6%
D/E
0.3x
Dividend %
4.1%
Dir. Trades · 180d
None →
Buybacks · 180d
None →

COMPANY DESCRIPTION

Protector Forsikring ASA is a fast-growing, highly specialized non-life insurance company operating in the Nordic region and the United Kingdom. The company's competitive moat is its low-cost operating model, direct-to-broker distribution strategy, and focus on large commercial and public sector clients. It is a highly profitable, niche challenger in the insurance industry, known for its disciplined underwriting and strong investment portfolio performance.

FINANCIAL SUMMARY (USD)

Year2022202320242025CAGRTTM2026E2027EFwd CAGR
Revenue604.1M979.6M1.2B1.4B33.5%1.5B1.6B1.8B10.9%
EPS1.681.841.883.2023.8%2.502.552.88-5.0%
Shares82.4M82.4M82.4M82.4M+0.1%82.3M———
Debt135.9M199.3M162.1M271.7M26.0%235.9M———
Equity379.2M456.5M583.5M773.6M26.8%————
Op CF-12.2M2.8M130.4M-9.6M4521.4%189.8M———
Inv CF-4.4M-7.3M-7.3M-10.7M—————
Fin CF-116.3M-27.4M-91.5M-5.5M—————
Loading 1Y...
PRICE (1Y)+9.3%
45.3046.8848.4550.0351.61Jun 10Jul 1Jul 21
SMA 50SMA 200
Close
$49.49
RSI (14)
57.4
52W High
$54.45
From 52W High
0.9%

SCORE BREAKDOWN

Quality
70
ROIC (ROA)
6.5%*77.7
ROE
30.6%93.6
GP/Assets
16.6%83.0
Op. Margin
27.8%45.5
FCF/Assets
6.2%80.5
Piotroski
443.5
Int. Cover
20.6x66.1
D/E Ratio
0.32x54.6
Current Ratio
1.55x47.3
Value
41
P/E (TTM)
19.8x25.0
EV/EBITDA
5.2x73.5
P/FCF
22.1x22.2
P/B
6.0x6.4
P/S
2.8x64.6
Div Yield
4.1%56.3
Momentum
29
52W High %
91%45.2
RS 6M
-21%15.8
SMA 50/200
0.98x28.8
EPS Rev 4W
-4.6%7.5
EPS Rev 12W
—N/A
EPS Improve
+15%40.7
Q Growth
4%35.7

FUNDAMENTALS

Market Cap
$4.0B
P/E (Forward)
17.1x
Gross Margin
32.8%

SECTOR PEERS

Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of PROT.OL are excluded.

TickerCompanyMkt CapStockRankSignal
PROT.OLProtector Forsikring ASA(you)$4.0B46HOLD
0IZM.LABG Sundal Collier Holding ASA$4.2B42HOLD
SPOL.OLSpareBank 1 Østlandet$2.6B65BUY
MING.OLSpareBank 1 SMN$2.8B67BUY
GJF.OLGjensidige Forsikring ASA$13.4B39HOLD
SB1NO.OLSpareBank 1 Sør-Norge ASA$7.3B68BUY
SBNOR.OLSparebanken Norge$3.2B78BUY
PARB.OLPareto Bank ASA$534M41HOLD
STB.OLStorebrand ASA$7.7B82STRONG BUY
ACR.OLAxactor ASA$403M50HOLD

Peer medians: ROE 11.8% · P/E 10.6x · Gross margin 99.2%

Protector Forsikring ASA (PROT.OL) — Stock Score Summary

Protector Forsikring ASA (PROT.OL) has a MoatMap StockRank of 46/100 based on Quality (70/100), Value (41/100), and Momentum (29/100) factor scores. The current signal is HOLD.

Protector Forsikring ASA is a fast-growing, highly specialized non-life insurance company operating in the Nordic region and the United Kingdom. The company's competitive moat is its low-cost operating model, direct-to-broker distribution strategy, and focus on large commercial and public sector clients. It is a highly profitable, niche challenger in the insurance industry, known for its disciplined underwriting and strong investment portfolio performance.

Key Financial Metrics

Price$49.49
Market Cap$4.0B
P/E (TTM)19.75
P/E (Forward)17.14
Price/Book6.03
Return on Equity30.6%
Debt/Equity0.32x
Gross Margin32.8%
Operating Margin27.8%
Revenue Growth4.8%
Dividend Yield4.1%
Free Cash Flow$180M

Protector Forsikring ASA operates in the Insurance - Specialty industry, part of the Financial Services sector (Norway).

Frequently Asked Questions

What is Protector Forsikring ASA’s (PROT.OL) StockRank?
MoatMap’s StockRank for Protector Forsikring ASA (PROT.OL) is 46/100, with a Hold signal. It is a composite of Quality (70), Value (41), and Momentum (29) factor ranks across MoatMap’s 20,000+ stock universe.
Does Protector Forsikring ASA have an economic moat?
Protector Forsikring ASA (PROT.OL) has a Quality factor score of 70/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage — the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the characteristics of a moated business.
Is Protector Forsikring ASA a buy, hold, or sell?
MoatMap’s current signal for Protector Forsikring ASA (PROT.OL) is Hold, based on a StockRank of 46/100. Signals are derived mechanically from the StockRank composite and should be one input among many — combine with your own thesis on management, competitive position, and valuation.
What sector is Protector Forsikring ASA in?
Protector Forsikring ASA (PROT.OL) operates in the Financial Services sector, specifically the Insurance - Specialty industry (Norway).
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