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Protector Forsikring ASACHIX:PROTO 82 Debt-to-Equity is 0.32 as of Jun. 2026, which is 27% below its 10-year median of 0.44. GuruFocus rates CHIX:PROTO with a GF Score™ of 82/100 and a GF Value™ of kr357.38 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 406 Insurance companies, Protector Forsikring ASA ranks worse than 65.76% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for Protector Forsikring ASA's Debt-to-Equity or its related term are showing as below:
CHIX:PROTo'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.28 Med: 0.44 Max: 0.76
Current: 0.32
During the past 13 years, the highest Debt-to-Equity Ratio of Protector Forsikring ASA was 0.76. The lowest was 0.28. And the median was 0.44.
CHIX:PROTo's Debt-to-Equity is ranked worse than 65.76% of 406
companies
in the Insurance industry
Industry Median: 0.2
vs CHIX:PROTo: 0.32
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Protector Forsikring ASA Debt-to-Equity Related Terms
Protector Forsikring ASA Debt-to-Equity Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
CHIX:PROTO vs FNF, AXS, FAF: Debt-to-Equity Comparison
For the Insurance - Specialty subindustry, Protector Forsikring ASA's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Protector Forsikring ASA Debt-to-Equity vs Insurance Industry
For the Insurance industry and Financial Services sector, Protector Forsikring ASA's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Protector Forsikring ASA's Debt-to-Equity falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Protector Forsikring ASA (CHIX:PROTO) has a Debt-to-Equity of 0.32 as of Jun. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Protector Forsikring ASA and its competitors. This is 27% below median its historical median of 0.44. Over the past decade, Protector Forsikring ASA's Debt-to-Equity has ranged from 0.28 to 0.76. According to the industry distribution chart, Protector Forsikring ASA ranks #267 out of 406 companies in the Insurance industry, placing it in the top 65.8%.
Is Protector Forsikring ASA's Debt-to-Equity too high?
Protector Forsikring ASA's current Debt-to-Equity of 0.32 is 27% below median its 10-year median of 0.44. Over the past 10 years, this metric has ranged from a low of 0.28 to a high of 0.76. The Insurance industry median Debt-to-Equity is 0.20. Protector Forsikring ASA's value of 0.32 is 60% above this industry median. Based on the distribution chart, Protector Forsikring ASA ranks #267 out of 406 companies in the Insurance industry, which is below the industry midpoint. Overall, Protector Forsikring ASA has a GF Score™ of 82/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Protector Forsikring ASA's Debt-to-Equity compare to FNF and AXS?
According to the Insurance industry distribution chart, Protector Forsikring ASA ranks #267 out of 406 companies for Debt-to-Equity. This places Protector Forsikring ASA in the lower half of its industry. The industry median Debt-to-Equity is 0.20. Protector Forsikring ASA's value of 0.32 is 60% above this benchmark. Historically, Protector Forsikring ASA's own Debt-to-Equity has ranged from 0.28 to 0.76 over the past decade. While the company's 10-year median is 0.44 vs. the industry median of 0.20, Protector Forsikring ASA has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Equity for an Insurance company?
The median Debt-to-Equity among Insurance companies is 0.20, based on 406 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Protector Forsikring ASA's current Debt-to-Equity of 0.32 is 60% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Protector Forsikring ASA and its competitors. For the Insurance industry, the median Debt-to-Equity is 0.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Protector Forsikring ASA's current Debt-to-Equity is 0.32, which is 27% below median its own 10-year median of 0.44. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Protector Forsikring ASA stock overvalued right now?
Based on GuruFocus' analysis, Protector Forsikring ASA (CHIX:PROTO) is currently considered Significantly Overvalued. The stock's GF Value™ is kr357.38, compared to a current price of kr485.60 — trading 35.9% above its estimated fair value. The current Debt-to-Equity is 0.32, which is 27% below median its 10-year median of 0.44 and 60% above the Insurance industry median of 0.20. Protector Forsikring ASA's overall GF Score™ is 82/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Protector Forsikring ASA (CHIX:PROTO), the current Debt-to-Equity is 0.32 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Protector Forsikring ASA (CHIX:PROTO) Overvalued in 2026?
Based on GuruFocus' analysis, Protector Forsikring ASA stock appears to be overvalued.
The current stock price of kr485.60 is trading 35.9% above its estimated GF Value™ of kr357.38.
GuruFocus considers Protector Forsikring ASA to be Significantly Overvalued.
Key valuation signals for CHIX:PROTO:
Debt-to-Equity: 0.32 (27% below median its 10-year median of 0.44)
GF Value™: kr357.38 vs. price of kr485.60 (35.9% above fair value)
Industry Position: 60% above the Insurance median (#267 of 406)
No single metric tells the full story. See the CHIX:PROTO stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Protector Forsikring ASA developer of a general P&C and employee benefits insurance provider designed to deliver cost and quality leadership in the insurance industry. The company offers standardized insurance products, all core systems insourced and developed in-house, enabling brokers and businesses across multiple countries to access competitive pricing and a value-based performance culture.
82GF Score
Get the complete analysis for CHIX:PROTO
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