PROTO Stock Overview

Operates as a non-life insurance company, provides various insurance products to the commercial and public sectors, and the grouped insurance schemes markets in Norway, Denmark, Sweden, the United Kingdom, and Finland. More details

PROTO fundamental analysis
Snowflake Score
Valuation	2/6
Future Growth	2/6
Past Performance	4/6
Financial Health	5/6
Dividends	2/6

Rewards

Trading at 61.5% below our estimate of its fair value

Revenue is forecast to grow 7.16% per year

Earnings have grown 31.6% per year over the past 5 years

Risk Analysis

Earnings are forecast to decline by an average of 2.1% per year for the next 3 years

Shares are highly illiquid

Significant insider selling over the past 3 months

Unstable dividend track record

My Notes

Capture your thoughts, links and company narrative

Protector Forsikring ASA Competitors

Aviva

LSE:AV.

UK£12.4b

Helios Underwriting

AIM:HUW

UK£191.9m

Lancashire Holdings

LSE:LRE

UK£1.6b

Just Group

LSE:JUST

UK£1.7b

Price History & Performance

Summary of share price highs, lows and changes for Protector Forsikring
Historical stock prices
Current Share Price	NOK 285.25
52 Week High	NOK 285.25
52 Week Low	NOK 216.50
Beta	0.99
1 Month Change	n/a
3 Month Change	n/a
1 Year Change	n/a
3 Year Change	176.94%
5 Year Change	425.32%
Change since IPO	304.61%

Recent News & Updates

No updates

Recent updates

No updates

Shareholder Returns

	PROTO	GB Insurance	GB Market
7D	1.2%	0.3%	0.2%
1Y	n/a	-5.5%	2.3%

Return vs Industry: Insufficient data to determine how PROTO performed against the UK Insurance industry.

Return vs Market: Insufficient data to determine how PROTO performed against the UK Market.

Price Volatility

Is PROTO's price volatile compared to industry and market?
PROTO volatility
PROTO Average Weekly Movement	n/a
Insurance Industry Average Movement	4.0%
Market Average Movement	4.7%
10% most volatile stocks in GB Market	10.4%
10% least volatile stocks in GB Market	2.6%

Stable Share Price: PROTO's share price has been volatile over the past 3 months compared to the UK market.

Volatility Over Time: Insufficient data to determine PROTO's volatility change over the past year.

About the Company

Founded	Employees	CEO	Website
2003	526	Henrik Hoye	www.protectorforsikring.no

Protector Forsikring ASA, operates as a non-life insurance company, provides various insurance products to the commercial and public sectors, and the grouped insurance schemes markets in Norway, Denmark, Sweden, the United Kingdom, and Finland. It operates in Commercial Lines of Business and Public Lines of Business segments. The company offers personal insurance, including personal and collective accident, critical illness, group life, health, and travel insurance; motor insurance; property insurance; and liability insurance.

Protector Forsikring ASA Fundamentals Summary

How do Protector Forsikring's earnings and revenue compare to its market cap?
PROTO fundamental statistics
Market cap	NOK 23.62b
Earnings (TTM)	NOK 1.95b
Revenue (TTM)	NOK 12.12b

12.1x

P/E Ratio

1.9x

P/S Ratio

Is PROTO overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
PROTO income statement (TTM)
Revenue	NOK 12.12b
Cost of Revenue	NOK 8.20b
Gross Profit	NOK 3.92b
Other Expenses	NOK 1.97b
Earnings	NOK 1.95b

Last Reported Earnings

Sep 30, 2024

Next Earnings Date

Jan 30, 2025

Earnings per share (EPS)	23.65
Gross Margin	32.32%
Net Profit Margin	16.09%
Debt/Equity Ratio	36.4%

How did PROTO perform over the long term?

See historical performance and comparison

Dividends

3.1%

Current Dividend Yield

n/a

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2024/12/30 07:32
End of Day Share Price	2024/12/27 00:00
Earnings	2024/09/30
Annual Earnings	2023/12/31

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.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* 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 here.

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 .

Analyst Sources

Protector Forsikring ASA is covered by 5 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.

Analyst	Institution
Gianandrea Roberti	Carnegie Investment Bank AB
Håkon Astrup	DNB Markets
Kimmo Rämä	Handelsbanken Capital Markets