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Protector Forsikring ASA (PROT.OL)
NOK486.00
-9.80 (-1.98%)
NO OSL Financial Services Insurance - Specialty
Address
Støperigata 2 113
Oslo, NO
Oslo, NO
CEO
Henrik Wold-Golfetto Hoye
Website
protectorforsikring.no
IPO
2007-05-25
ISIN NO0010209331
Also trades on
Oslo Stock Exchange · PROT.OL (NOK)
Other OTC · PSKRF (USD)
Description
Protector Forsikring ASA functions as a general insurer, offering a broad spectrum of insurance solutions to commercial clients, public sector entities, and specialized affinity markets. The company's operations span Norway, Denmark, Sweden, the United Kingdom, and Finland, and are structured into Commercial Lines of Business and Public Lines of Business segments. Its product portfolio encompasses coverage for individuals, vehicles, real estate, legal liabilities, and changes of ownership. Distribution for its non-marine offerings is exclusively conducted through insurance brokers. Founded in 2003, the company maintains its principal office in Oslo, Norway.
Market Cap & Enterprise Value
Merger & Acquisition History
No mergers or acquisitions recorded for this company.
Technical Outlook
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Signal Summary
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| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
NOK486.00
-9.80 (-1.98%)
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Volume Profile
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Liquidity & share structure
Average Volume
136.9K
Beta
0.38
Float Shares
50.82M
Free Float %
61.7%
Price Performance
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| -0.17% | -1.97% | -2.10% | -11.81% | -5.13% | -12.32% | +12.51% | +170.30% | +407.56% | +481.91% | +2,945.33% |
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From
To
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Annual Monthly Returns
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Daily Returns Distribution
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Revenue flow
Revenue by geography
Revenue by segment
From
To
Revenue composition
From
To
By product
By geography
Financial Statements
Select metrics from the tables below to build your comparison.
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
Price Targets & DCF
Current price
486.00
DCF (Unlevered)
2,374.08
+388.5%
DCF (Levered)
221.48
-54.4%
DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.
Ratings Trend (MoM)
100% Bullish
| Rating | 2026-05 | Change |
|---|---|---|
| Strong Buy | 1 | 0 |
| Buy | 3 | 0 |
| Hold | 0 | 0 |
| Sell | 0 | 0 |
| Strong Sell | 0 | 0 |
Quality scores
Altman Z-Score
2.01
Grey zone
Piotroski F-Score
5 / 9
Average
MOAT Score
7 / 10
Strong MOAT
Composite Rating
B+
Overall Score
3 / 5
Medium
DCF Score
3 / 5
Medium
ROE Score
5 / 5
High
ROA Score
5 / 5
High
D/E Score
3 / 5
Medium
P/E Score
2 / 5
Medium
P/Book Score
1 / 5
Low
Operational MOAT
✗ Below peers
-
Revenue growth Insurance - Specialty: +11.0%+26.1% ★ Q2'26: +3.8% (vs Q2'25)
-
EPS growth Insurance - Specialty: +18.3%+69.5% ★ Q2'26: +3.4% (vs Q2'25)
-
FCF margin FCF growth · Insurance - Specialty: +39.7%+17.6% ★ Q2'26: +16.3% (vs Q2'25)
-
EBIT margin Insurance - Specialty: +18.3%+24.1% ★ Q2'26: +25.0% (vs Q2'25)
-
ROIC Insurance - Specialty: +10.3%+30.1% ★ Q2'26: +34.4% (vs Q2'25)
-
Share dilution Insurance - Specialty: +0.5%+1.5% Q2'26: +0.0% (vs Q2'25)
-
Debt / EBITDA Net debt/EBITDA · Insurance - Specialty: 0.25×0.66× Q2'26: 0.59× (vs Q2'25)
Valuation Multiples
From
To
Price Forecast (3Y)
From
To
Theoretical Return — If Invested Today
* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.
Consensus Estimates
| Metric |
Dec 2015 actual |
Dec 2016 actual |
Dec 2017 actual |
Dec 2018 actual |
Dec 2019 actual |
Dec 2020 actual |
Dec 2021 actual |
Dec 2022 actual |
Dec 2023 actual |
Dec 2024 actual |
Dec 2025 actual |
Dec 2026 2 Rev. Ana. 3 EPS Ana. |
Dec 2027 3 Rev. Ana. 4 EPS Ana. |
Dec 2028 3 Rev. Ana. 4 EPS Ana. |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue |
2.63B
est: 2.86B (-8.1%)
|
3.38B
est: 3.40B (-0.8%)
|
2.96B
est: 4.16B (-28.8%)
|
3.08B
est: 4.76B (-35.3%)
|
4.36B
est: 4.72B (-7.7%)
|
5.52B
est: 5.11B (+8.0%)
|
5.93B
est: 5.95B (-0.4%)
|
5.99B
est: 6.91B (-13.3%)
|
9.72B
est: 9.65B (+0.7%)
|
11.69B
est: 12.33B (-5.2%)
|
14.74B
est: 14.06B (+4.9%)
|
15.94B
15.83B – 16.05B
+13.4% YoY
|
17.53B
17.35B – 17.69B
+10.0% YoY
|
19.38B
18.99B – 19.76B
+10.5% YoY
|
| EBITDA |
548.05M
est: 641.55M (-14.6%)
|
556.47M
est: 762.65M (-27.0%)
|
477.18M
est: 932.70M (-48.8%)
|
16.46M
est: 1.07B (-98.5%)
|
-22.71M
est: 1.06B (-102.1%)
|
1.07B
est: 1.14B (-6.3%)
|
1.45B
est: 1.33B (+8.4%)
|
1.77B
est: 1.55B (+14.1%)
|
1.99B
est: 2.16B (-7.8%)
|
2.13B
est: 2.88B (-26.2%)
|
3.56B
est: 3.28B (+8.4%)
|
3.72B
3.70B – 3.75B
+13.4% YoY
|
4.09B
4.05B – 4.13B
+10.0% YoY
|
4.52B
4.43B – 4.61B
+10.5% YoY
|
| EBIT |
536.14M
est: 623.15M (-14.0%)
|
541.09M
est: 740.77M (-27.0%)
|
459.94M
est: 905.94M (-49.2%)
|
-5.21M
est: 1.04B (-100.5%)
|
-52.06M
est: 1.03B (-105.1%)
|
1.04B
est: 1.11B (-6.0%)
|
1.42B
est: 1.30B (+9.4%)
|
1.71B
est: 1.50B (+13.7%)
|
1.93B
est: 2.10B (-8.0%)
|
2.05B
est: 2.81B (-27.0%)
|
3.56B
est: 3.21B (+11.0%)
|
3.63B
3.61B – 3.66B
+13.4% YoY
|
4.00B
3.96B – 4.03B
+10.0% YoY
|
4.42B
4.33B – 4.51B
+10.5% YoY
|
| Net Income |
464.24M
est: 385.20M (+20.5%)
|
452.68M
est: 434.60M (+4.2%)
|
476.72M
est: 432.80M (+10.1%)
|
-295.40M
est: -166.26M (-77.7%)
|
-4.53M
est: 31.53M (-114.4%)
|
979.20M
est: 997.17M (-1.8%)
|
1.23B
est: 1.21B (+2.1%)
|
1.38B
est: 556.68M (+147.7%)
|
1.51B
est: 1.21B (+24.3%)
|
1.54B
est: 1.52B (+1.3%)
|
2.65B
est: 2.69B (-1.7%)
|
2.05B
2.02B – 2.15B
-23.8% YoY
|
2.33B
2.14B – 2.52B
+13.6% YoY
|
2.48B
2.21B – 2.75B
+6.5% YoY
|
| SGA |
51.30M
est: 46.51M (+10.3%)
|
162.00M
est: 55.28M (+193.0%)
|
178.07M
est: 67.61M (+163.4%)
|
233.27M
est: 77.25M (+202.0%)
|
269.22M
est: 76.66M (+251.2%)
|
370.92M
est: 82.98M (+347.0%)
|
41.22M
est: 96.65M (-57.3%)
|
42.19M
est: 112.27M (-62.4%)
|
—
est: 156.80M (-100.0%)
|
—
est: 34.52M (-100.0%)
|
—
est: 39.34M (-100.0%)
|
44.61M
44.30M – 44.92M
+13.4% YoY
|
49.06M
48.56M – 49.51M
+10.0% YoY
|
54.23M
53.14M – 55.31M
+10.5% YoY
|
| EPS |
5.48
est: 4.68 (+17.0%)
|
5.25
est: 5.28 (-0.6%)
|
5.53
est: 5.26 (+5.1%)
|
-3.52
est: -2.02 (-74.1%)
|
-0.06
est: 0.38 (-114.5%)
|
11.96
est: 12.12 (-1.4%)
|
14.96
est: 14.67 (+1.9%)
|
16.70
est: 6.77 (+146.7%)
|
18.30
est: 14.76 (+24.0%)
|
18.70
est: 18.21 (+2.7%)
|
31.70
est: 32.27 (-1.8%)
|
25.02
24.17 – 25.70
-22.5% YoY
|
28.71
25.66 – 30.14
+14.8% YoY
|
30.64
26.47 – 32.98
+6.7% YoY
|
Historical Ratings (3M)
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-29 | B+ | 3/5 | 3/5 | 5/5 | 5/5 | 3/5 | 2/5 | 1/5 |
| 2026-05-28 | B+ | 3/5 | 3/5 | 5/5 | 5/5 | 3/5 | 2/5 | 1/5 |
| 2026-05-27 | B+ | 3/5 | 3/5 | 5/5 | 5/5 | 3/5 | 2/5 | 1/5 |
| 2026-05-26 | B+ | 3/5 | 3/5 | 5/5 | 5/5 | 3/5 | 2/5 | 1/5 |
| 2026-05-22 | B+ | 3/5 | 3/5 | 5/5 | 5/5 | 3/5 | 2/5 | 1/5 |
| 2026-05-21 | B+ | 3/5 | 3/5 | 5/5 | 5/5 | 3/5 | 2/5 | 1/5 |
| 2026-05-20 | B+ | 3/5 | 3/5 | 5/5 | 5/5 | 3/5 | 2/5 | 1/5 |
| 2026-05-19 | B+ | 3/5 | 3/5 | 5/5 | 5/5 | 2/5 | 2/5 | 1/5 |
| 2026-05-18 | B+ | 3/5 | 3/5 | 5/5 | 5/5 | 2/5 | 2/5 | 1/5 |
| 2026-05-15 | B+ | 3/5 | 3/5 | 5/5 | 5/5 | 3/5 | 2/5 | 1/5 |
| 2026-05-13 | B+ | 3/5 | 3/5 | 5/5 | 5/5 | 3/5 | 2/5 | 1/5 |
| 2026-05-12 | B+ | 3/5 | 3/5 | 5/5 | 5/5 | 3/5 | 2/5 | 1/5 |
| 2026-05-11 | B+ | 3/5 | 3/5 | 5/5 | 5/5 | 3/5 | 2/5 | 1/5 |
| 2026-05-08 | B+ | 3/5 | 3/5 | 5/5 | 5/5 | 3/5 | 2/5 | 1/5 |
| 2026-05-07 | B+ | 3/5 | 3/5 | 5/5 | 5/5 | 3/5 | 2/5 | 1/5 |
| 2026-05-06 | B+ | 3/5 | 3/5 | 5/5 | 5/5 | 3/5 | 2/5 | 1/5 |
| 2026-05-05 | B+ | 3/5 | 3/5 | 5/5 | 5/5 | 3/5 | 2/5 | 1/5 |
| 2026-05-04 | B+ | 3/5 | 3/5 | 5/5 | 5/5 | 3/5 | 2/5 | 1/5 |
| 2026-04-30 | B+ | 3/5 | 3/5 | 5/5 | 5/5 | 2/5 | 2/5 | 1/5 |
| 2026-04-29 | B+ | 3/5 | 3/5 | 5/5 | 5/5 | 2/5 | 2/5 | 1/5 |
| 2026-04-28 | B+ | 3/5 | 3/5 | 5/5 | 5/5 | 2/5 | 2/5 | 1/5 |
| 2026-04-27 | B+ | 3/5 | 3/5 | 5/5 | 5/5 | 2/5 | 2/5 | 1/5 |
| 2026-04-24 | B+ | 3/5 | 3/5 | 5/5 | 5/5 | 2/5 | 2/5 | 1/5 |
| 2026-04-23 | B+ | 3/5 | 3/5 | 5/5 | 5/5 | 2/5 | 2/5 | 1/5 |
| 2026-04-22 | B+ | 3/5 | 3/5 | 5/5 | 5/5 | 2/5 | 2/5 | 1/5 |
| 2026-04-21 | B+ | 3/5 | 3/5 | 5/5 | 5/5 | 2/5 | 2/5 | 1/5 |
| 2026-04-20 | B+ | 3/5 | 3/5 | 5/5 | 5/5 | 2/5 | 2/5 | 1/5 |
| 2026-04-17 | B+ | 3/5 | 4/5 | 5/5 | 5/5 | 2/5 | 2/5 | 1/5 |
| 2026-04-16 | B+ | 3/5 | 4/5 | 5/5 | 5/5 | 2/5 | 2/5 | 1/5 |
| 2026-04-15 | B+ | 3/5 | 4/5 | 5/5 | 5/5 | 2/5 | 2/5 | 1/5 |
Owner Earnings
Owner's Earnings (history)
From
To
Owner alignment
Owner's Earnings TTM
41.24M
OE per share TTM
0.41
Owner's Yield
0.11%
Maintenance CapEx ratio
9.64%
Maint CapEx / Avg PPE
1.4%
Ownership Overview
Ownership breakdown
Ownership breakdown not available.
At a glance
Institutional holders
—
Total invested
—
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional ownership trend
Institutional history not available.
Top institutional holders
Top holders not available.
Insider Activity
Insider Activity — Latest Quarter
No insider activity available.
Insider buys vs sells (history)
Insider history not available.
Recent insider transactions
No recent insider transactions.
Executive team
Top executives
EBIT / Employee
5.99M
Shares Outstanding
82.43M
Executive compensation
Executive compensation (annual)
Executive compensation not available.
CEO compensation breakdown
No CEO compensation history available.
Proxy statements
Proxy statements (DEF 14A)
No proxy statements available for this company yet.
Recent SEC filings
Recent SEC filings
No SEC filings available for this company yet.
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Hans Didring | Deputy Chief Executive Officer | 16M | male |
| Henrik Wold-Golfetto Hoye | Chief Executive Officer | 15M | male |
| Dag Marius Nereng | Chief Investment Officer | 13M | male |
| Amund Gronvold Skoglund | Chief Financial Officer | 9M | male |
| Ditlev de Vibe Vanay | Chief Financial Officer | 9M | male |
| Stuart Winter | Country Manager UK | 8M | male |
| Leonard Bijl | IT Director | 7M | — |
| Fredrik Landelius | MD of Nordics & Country Manager Sweden | 6M | male |
| Cathrine Wessel Poulsen | Deputy Employees Representative Member & Country Manager of Norway | 5M | female |
| Stefan Salonen | Head of Underwriting & General Agent | — | male |
| Bjarte Jensen | Chief Underwriter of Public Sector - UK | — | male |
ESG Score History
No data available for this company.
Senate Trading Activity
No Senate trading activity found for this company.
House Trading Activity
No House trading activity found for this company.
Market share among peers
Peer comparison — filtered group (TTM)
Your opinion
Share your view on this stock and instantly see how the community has voted over the last 6 months.
Community Opinion for PROT.OL
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.
