Check 35,000+ stocks against 26 valuation models and 37 quality factors
Data-driven stock valuation
Which stocks are undervalued right now? Check free
Discover now →
Protector Forsikring ASA (PSKRF) fair value: what the stock is really worth
As of Sep 25, 2026: fair value of Protector Forsikring ASA $28.63, price $50.50, upside -43.3%, quality 53 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
- Fair value above price? No
- Good quality? Yes
- Add to watchlist
PF
Some data
Sep 29, 2026
Some data
Sep 29, 2026
Protector Forsikring ASA
PSKRF · USStretched ValuationStrong overvaluation with only moderate quality.
!Fair value $28.63 · Strongly overvalued (−43.3%)
!Quality 53/100
!Expensive Growth (revenue 5y +20.9 %/yr)
✓Solidly profitable · 14.4% net margin (TTM)
!Low debt · negative free cash flow
!Moderate moat 63/100
!Evidence only medium, so the estimate is less certain
What runs behind every stock
26
valuation models
8 families, DCF to NCAV
37
quality factors
margins, balance sheet, cashflow, debt
6
AI factors
moat, what no ratio measures
2,000+
data points
verified, per stock, median
69 individual criteria per stock, every one traceable See the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 29, 2026.
How to read this chart
60‑month range $5.65 – $53.00 · fair‑value band $21.47 – $35.78 · the $50.50 price screens above the $28.63 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 29, 2026.
Company profile
Protector Forsikring ASA, operates as a non-life insurance company, provides general insurance and reinsurance services in Norway, Sweden, Finland, Denmark, the United Kingdom and France. The company provides personal, motor, property, liability, and change of ownership insurances.
Show more
Protector Forsikring ASA, operates as a non-life insurance company, provides general insurance and reinsurance services in Norway, Sweden, Finland, Denmark, the United Kingdom and France. The company provides personal, motor, property, liability, and change of ownership insurances. It offers services to commercial lines of business, public sector, and affinity schemes through insurance brokers and agents. Protector Forsikring ASA was incorporated in 2003 and is headquartered in Oslo, Norway.
Stock analysis
Protector Forsikring ASA (PSKRF) currently trades at $50.50, while our model-based Fair Value estimate is $28.63, 43.3% below the price, so the stock looks overvalued today.
Show more
Valuation
Bull case: the Economic Profit group reads highest at a median of $32.53 per share, and 0 of the 4 models we run sit above the $50.50 price.
Bear case: the Asset-Based group reads lowest at $6.50, and 4 of the 4 models stay below the price. Evidence for this calculation is medium.
Scenario range: $21.47 (bear) to $35.78 (bull), the price of $50.50 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 53/100 (solid quality), in the Financial Services sector.
Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Protector Forsikring ASA reported revenue of 14.2B NOK in FY2025 versus 5.9B NOK in FY2021, a compound +24.5%/yr. Reported net income was 2.6B NOK in FY2025, compounding +21.1%/yr from FY2021.
Key figures
Market cap $4.2B · P/E ratio 19.5 · P/S ratio 3.62 · EPS (TTM) $2.59 · Net margin 18.6% · Return on equity 31.5% · Return on assets (EBIT) 3.2% · Operating margin 10.4%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 47 out of 100 (low confidence).
What moves the price
The share trades about 5% below its 52-week high and 365% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at 10% fair-value upside, at −43%, PSKRF screens richer than that median.
Fair Value models
Bear $21.47
Fair Value $28.63
Bull $35.78
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model.
Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.
Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Highest evidence
Residual Income
$20.80
$32.53
$80.39
68
P/E Multiple
$32.62
$43.49
$54.36
63
P/B Multiple
$10.19
$13.59
$16.98
55
All 4 models by family
Multiples
P/E Multiple
$32.62
$43.49
$54.36
63
P/B Multiple
$10.19
$13.59
$16.98
55
Asset-Based
NCAV (Graham)
$4.85
$6.50
$9.70
54
Economic Profit
Residual Income
$20.80
$32.53
$80.39
68
Notify me when PSKRF reaches fair value
Put PSKRF on your watchlist. We get in touch as soon as price and fair value meet or the trend turns.
Set up alert →Quality Score breakdown
Overall quality
53/100
Of which business quality 51 · Market factors (momentum, volatility) 69
Profitability
54
Margins and returns on capital today
Quality Growth
73
Are margins and returns improving?
Cashflow
34
Earnings quality: real cash, not paper profit
Fin. Strength
40
Balance sheet, leverage, solvency risk
Investment
34
Disciplined investing over empire-building
Low Volatility
50
Calm price path (market factor)
Momentum
65
Price trend over the last 3–12 months (market factor)
52W Momentum
97
Distance to the 52-week high (market factor)
Net Issuance
82
Share count: buybacks or dilution?
Revenue & earnings trend
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.
62/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
+21.9%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+33.5%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+20.9%
Start year 2020 (pandemic). Over 10 years: +19.1% a year
Revenue growth 11 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+19.5%
’14
’15
’16
’17
’18
’19
’20
’21
’22
’23
’24
’25
What shareholders gained per year (last 5 years) (mathematically smoothed) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Smoothed = median of all growth paths between the years of the window (trend line on the logarithm of earnings per share): a single extreme year cannot distort the rate. The reported figure stays in the tooltip.
+15.2%
Earnings growth per share plus dividend.
Earnings per share, growth per year+15.2%
Dividend (yield on the price)0.0%
Profit margin 2014 to 2019 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.24% → −2%
2025 sits 75% above its own trend. The rate follows the median trend of the last 5 years, not that single year.
Compare Protector Forsikring ASA with another stock
Price, fair value, quality and upside side by side.
Free, no sign-up
Context: sector, industry, market
- P/E, EV/EBITDA and margins by industry (reference tables)
- Undervalued stocks: US Stocks
- Valuation of the USA market
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
None of the checked exposures detected
Similar stocks
10 more Insurance - Specialty stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Fidelity National Financial, Inc FNF | $41.16 | $29.18 | −29% |
| Medibank Private Limited MPL | A$4.53 | A$1.95 | −57% |
| AXIS Capital Holdings AXS | $94.45 | $118.38 | +25% |
| First American Financial Corporation FAF | $64.72 | $52.86 | −18% |
| Enact Holdings ACT | $44.15 | $44.39 | +1% |
| MGIC Investment Corporation MTG | $28.48 | $29.83 | +5% |
| Essent Group ESNT | $63.73 | $70.20 | +10% |
| Radian Group RDN | $33.02 | $40.30 | +22% |
| NMI Holdings NMIH | $40.97 | $47.46 | +16% |
| Assured Guaranty Ltd AGO | $68.97 | $120.05 | +74% |
Explore undervalued stocks
More undervalued Financial Services stocks →
All undervalued stocks
TechnologyFinancial ServicesHealthcareConsumer CyclicalConsumer DefensiveCommunication ServicesIndustrialsEnergyBasic MaterialsReal EstateUtilities Deeply Undervalued StocksUndervalued High-Quality StocksUndervalued Blue-Chip StocksUndervalued Small-Cap StocksUndervalued Dividend Stocks
Try a ready-made strategy
Pick a strategy and jump into the live analysis with that exact screen applied.
🥇 Backtested Best
🏆 Big Names
⭐ Top Rated
💎 Quality on Sale
🚀 Profitable Growth
🧊 Quality Compounders
💵 Dividend Stars
📈 Strong Momentum
📉 Fallen Angels
⚖️ Deeply Undervalued
🔍 Small-Cap Gems
🏰 Moat at a Fair Price
💼 Insider Buying
🎩 Buffett-Style Quality
📚 Peter Lynch GARP
🧮 Greenblatt Magic Formula
🛡️ Graham Defensive
Discover tools
Stock screenerFilter by region, size and sector
Compare toolTwo stocks side by side
Extrinsic Value Calculator…Calculator with industry benchmark
Peter Lynch Fair Value Formula &…Calculator with industry benchmark
Run the numbers yourself: free valuation calculators
Frequently asked questions
Is Protector Forsikring ASA (PSKRF) overvalued or undervalued?
As of Sep 29, 2026, our model estimates a fair value of $28.63 versus the last price from Sep 25, 2026 of $50.50, about −43% upside (overvalued).
What is the fair value of PSKRF?
Our model-based fair value for Protector Forsikring ASA is $28.63 (as of Sep 29, 2026), built from audited fundamentals. Last price (from Sep 25, 2026): $50.50.
What is the quality score of PSKRF?
Protector Forsikring ASA has a Quality Score of 53/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Protector Forsikring ASA (PSKRF)?
Our model-based price target is the fair value of $28.63 (as of Sep 29, 2026) from 4 valuation models. Cautious scenario $21.47, optimistic scenario $35.78. It is a calculation from audited fundamentals, not an analyst target.
What is the Protector Forsikring ASA stock forecast for 2026?
Our models put fair value at $28.63, about −43% upside versus the last price from Sep 25, 2026 of $50.50 (overvalued). Cautious scenario $21.47, optimistic scenario $35.78. The calculation is refreshed regularly with new filings.
What is the revenue of Protector Forsikring ASA (PSKRF)?
Protector Forsikring ASA reported trailing-twelve-month revenue of about 14.3B NOK (latest available figure, as of Sep 29, 2026).
What is the intrinsic value of Protector Forsikring ASA (PSKRF)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Protector Forsikring ASA it is $28.63 per share (as of Sep 29, 2026), against a price of $50.50. It is the blended result of 4 valuation models (cash flow, earnings, asset, dividend).
Is Protector Forsikring ASA stock overvalued or undervalued in 2026?
As of Sep 29, 2026, PSKRF trades above its calculated fair value: price $50.50, fair value $28.63, a gap of about −43% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of PSKRF?
No. The price is what the market pays today ($50.50); the fair value is what the company's own numbers justify ($28.63). For Protector Forsikring ASA the two are $21.87 per share apart. That gap is exactly why we show both numbers side by side.
How much is Protector Forsikring ASA worth?
The market values Protector Forsikring ASA at about $4.2B (market capitalisation, as of Sep 29, 2026). Per share that is $50.50; our models calculate a fair value of $28.63 per share.
What do the bullish and bearish scenarios say about PSKRF?
Our models span a range for Protector Forsikring ASA: cautious scenario $21.47, base $28.63, optimistic $35.78 per share (as of Sep 29, 2026, price $50.50). The range comes from different growth and margin assumptions, not from analyst opinions.
How far is PSKRF from its 52-week high?
Protector Forsikring ASA trades at $50.50, about 5% below its 52-week high of $53.00 and 365% above the low of $10.87 (as of Sep 25, 2026). Distance from the high says nothing about value: that is what the fair value of $28.63 is for.
Which stocks are comparable to Protector Forsikring ASA?
From the same area (Financial Services) we also value Fidelity National Financial, Inc, Medibank Private Limited, AXIS Capital Holdings, First American Financial Corporation, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Protector Forsikring ASA stock attractive at the current price?
The data as of Sep 29, 2026: price $50.50, calculated fair value $28.63 (−43%), Quality Score 53/100, from 4 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of PSKRF calculated?
We run Protector Forsikring ASA through 4 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $28.63, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.5 % above its aggregate fair value. Protector Forsikring ASA itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Protector Forsikring ASA (PSKRF)?
The latest price we hold is from Sep 25, 2026 and stands at $50.50. Our model-based fair value is $28.63, about −43% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Protector Forsikring ASA right now?
The price sits above even our optimistic bull case ($35.78). The favourable scenario is already priced in. Solid but not exceptional quality (53/100) and above fair value, neither a clear bargain nor a standout compounder. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Key figures of Protector Forsikring ASA
How large is the market capitalisation of Protector Forsikring ASA (PSKRF)?
The market capitalisation of Protector Forsikring ASA is $4.2B. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/E ratio of Protector Forsikring ASA (PSKRF)?
The price-to-earnings ratio of Protector Forsikring ASA is 19.5. Price to earnings: how many years of current profit you pay for the stock. A P/E of 10 means ten years of profit.
What is the P/S ratio of Protector Forsikring ASA (PSKRF)?
The price-to-sales ratio of Protector Forsikring ASA is 3.62 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Protector Forsikring ASA (PSKRF)?
Earnings per share at Protector Forsikring ASA are $2.59 (price ÷ EPS = P/E 19.5). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Protector Forsikring ASA (PSKRF)?
The net margin of Protector Forsikring ASA is 18.6% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Protector Forsikring ASA (PSKRF)?
The return on equity (ROE) of Protector Forsikring ASA is 31.5% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Protector Forsikring ASA (PSKRF)?
On an EBIT basis the return on assets of Protector Forsikring ASA is 3.2% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Protector Forsikring ASA (PSKRF)?
The operating margin of Protector Forsikring ASA is 10.4% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Protector Forsikring ASA (PSKRF)?
Revenue at Protector Forsikring ASA is growing −9.6% versus a year earlier (3y avg +33.5%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Protector Forsikring ASA (PSKRF)?
Earnings per share at Protector Forsikring ASA are growing −80.0% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Protector Forsikring ASA (PSKRF) generate?
The free cash flow of Protector Forsikring ASA is −201M NOK (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Protector Forsikring ASA (PSKRF) carry?
The net debt of Protector Forsikring ASA is 2.0B NOK (fiscal year 2025). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
Free · no account needed
Continue in the live analysis
Fair value and trend for 35,000+ stocks, watchlist, comparison and the diversification check. You can also try 14 days of Pro there, no card.
Open the live analysis →Zero risk: nothing is ever charged. Your watchlist is yours, with or without an account.