Protector Forsikring ASAHAM:PR4 +0.29%47 EV-to-FCF is 30.26 as of Jun. 26, 2026, which is 680% above its 10-year median of 3.88. GuruFocus rates HAM:PR4 with a GF Score™ of 47/100 and a GF Value™ of €31.40 (Significantly Overvalued). The stock has 3 warning signs investors should review. Among 391 Insurance companies, Protector Forsikring ASA ranks worse than 85.68% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Protector Forsikring ASA's Enterprise Value is €3,653 Mil.
Protector Forsikring ASA's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was €121 Mil. Therefore, Protector Forsikring ASA's EV-to-FCF for today is 30.26.
The historical rank and industry rank for Protector Forsikring ASA's EV-to-FCF or its related term are showing as below:
HAM:PR4'
s EV-to-FCF Range Over the Past 10 Years
Min: -466.06 Med: 3.88 Max: 657.3
Current: 28.82
During the past 13 years, the highest EV-to-FCF of Protector Forsikring ASA was 657.30. The lowest was -466.06. And the median was 3.88.
HAM:PR4's EV-to-FCF is ranked worse than 85.68% of 391
companies
in the Insurance industry
Industry Median: 9.32
vs HAM:PR4: 28.82
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Protector Forsikring ASA's PE Ratio (TTM) for today is calculated as:
Protector Forsikring ASA's share price for today is €42.10.
Protector Forsikring ASA's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was €2.109.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Protector Forsikring ASA EV-to-FCF Related Terms
Protector Forsikring ASA EV-to-FCF 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.
For the Insurance - Specialty subindustry, Protector Forsikring ASA's EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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 EV-to-FCF vs Insurance Industry
For the Insurance industry and Financial Services sector, Protector Forsikring ASA's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Protector Forsikring ASA's EV-to-FCF falls into.
Protector Forsikring ASA's current Enterprise Value is €3,653 Mil.
Protector Forsikring ASA's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was €121 Mil.
* 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 (HAM:PR4) has a EV-to-FCF of 30.26 as of Jun. 26, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Protector Forsikring ASA and its competitors. This is 680% above median its historical median of 3.88. According to the industry distribution chart, Protector Forsikring ASA ranks #335 out of 391 companies in the Insurance industry, placing it in the top 85.7%.
Is Protector Forsikring ASA's EV-to-FCF too high?
Protector Forsikring ASA's current EV-to-FCF of 30.26 is 680% above median its 10-year median of 3.88. The Insurance industry median EV-to-FCF is 9.32. Protector Forsikring ASA's value of 30.26 is 224.7% above this industry median. Based on the distribution chart, Protector Forsikring ASA ranks #335 out of 391 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, Protector Forsikring ASA has a GF Score™ of 47/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Protector Forsikring ASA's EV-to-FCF compare to FNF and AXS?
According to the Insurance industry distribution chart, Protector Forsikring ASA ranks #335 out of 391 companies for EV-to-FCF. This places Protector Forsikring ASA in the lower half of its industry. The industry median EV-to-FCF is 9.32. Protector Forsikring ASA's value of 30.26 is 224.7% above this benchmark. While the company's 10-year median is 3.88 vs. the industry median of 9.32, 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 EV-to-FCF for an Insurance company?
The median EV-to-FCF among Insurance companies is 9.32, based on 391 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Protector Forsikring ASA's current EV-to-FCF of 30.26 is 224.7% 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 EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Protector Forsikring ASA and its competitors. For the Insurance industry, the median EV-to-FCF is 9.32 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Protector Forsikring ASA's current EV-to-FCF is 30.26, which is 680% above median its own 10-year median of 3.88. 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 (HAM:PR4) is currently considered Significantly Overvalued. The stock's GF Value™ is €31.40, compared to a current price of €42.10 — trading 34.1% above its estimated fair value. The current EV-to-FCF is 30.26, which is 680% above median its 10-year median of 3.88 and 224.7% above the Insurance industry median of 9.32. Protector Forsikring ASA's overall GF Score™ is 47/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Protector Forsikring ASA (HAM:PR4), the current EV-to-FCF is 30.26 as of Jun. 26, 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 (HAM:PR4) Overvalued in 2026?
Based on GuruFocus' analysis, Protector Forsikring ASA stock appears to be overvalued.
The current stock price of €42.10 is trading 34.1% above its estimated GF Value™ of €31.40.
GuruFocus considers Protector Forsikring ASA to be Significantly Overvalued.
Key valuation signals for HAM:PR4:
EV-to-FCF: 30.26 (680% above median its 10-year median of 3.88)
GF Value™: €31.40 vs. price of €42.10 (34.1% above fair value)
Industry Position: 224.7% above the Insurance median (#335 of 391)
No single metric tells the full story. See the HAM:PR4 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.
47GF Score
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