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Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company. The details of how we calculate the intrinsic value of stocks are described in detail here.
The historical rank and industry rank for Protector Forsikring ASA's Intrinsic Value: Projected FCF or its related term are showing as below:
FRA:PR4'
s Price-to-Projected-FCF Range Over the Past 10 Years
Min: 0.38 Med: 1.39 Max: 5.43
Current: 3.1
During the past 13 years, the highest Price-to-Intrinsic-Value-Projected-FCF of Protector Forsikring ASA was 5.43. The lowest was 0.38. And the median was 1.39.
FRA:PR4's Price-to-Projected-FCF is ranked worse than 93.73% of 399
companies
in the Insurance industry
Industry Median: 0.76
vs FRA:PR4: 3.10
The growth multiple is capped between 8.35 and 17.74.
Total Stockholders Equity weighting is more art than science and it should always be revisited in more detail when researching a company. Weightings from 0% to 100% to more than 100% are possible. 80% was chosen as a happy median after taking the above ideas into consideration.
Protector Forsikring ASA's Price-to-Intrinsic-Value-Projected-FCF for today is calculated as
Price-to-Intrinsic-Value-Projected-FCF
=
Share Price
/
Intrinsic Value: Projected FCF
=
41.62
/
7.1202507775786
=
5.85
* 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 Intrinsic Value: Projected FCF Related Terms
Protector Forsikring ASA Intrinsic Value: Projected FCF Historical Data
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The historical data trend for Protector Forsikring ASA's Intrinsic Value: Projected FCF can be seen below:
* 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.
FRA:PR4 vs FNF, RYAN, FAF: Intrinsic Value: Projected FCF Comparison
For the Insurance - Property & Casualty subindustry, Protector Forsikring ASA's Price-to-Projected-FCF, along with its competitors' market caps and Price-to-Projected-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 Price-to-Projected-FCF vs Insurance Industry
For the Insurance industry and Financial Services sector, Protector Forsikring ASA's Price-to-Projected-FCF distribution charts can be found below:
* The bar in red indicates where Protector Forsikring ASA's Price-to-Projected-FCF falls into.
Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company.
The details of how we calculate the intrinsic value of stocks are described in detail here.
This method smooths out the free cash flow over the past 6-7 years, multiplies the results by a growth multiple, and adds a portion of Total Stockholders Equity.
* 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.
What does a Intrinsic Value: Projected FCF of €13.42 mean?
Protector Forsikring ASA (FRA:PR4) has a Intrinsic Value: Projected FCF of €13.42 as of Sep. 17, 2026. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on Protector Forsikring ASA and its competitors. According to the industry distribution chart, Protector Forsikring ASA ranks #374 out of 399 companies in the Insurance industry, placing it in the top 93.7%.
Is Protector Forsikring ASA's Intrinsic Value: Projected FCF too high?
Protector Forsikring ASA's current Intrinsic Value: Projected FCF is €13.42. Based on the distribution chart, Protector Forsikring ASA ranks #374 out of 399 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, Protector Forsikring ASA has a GF Score™ of 79/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Protector Forsikring ASA's Intrinsic Value: Projected FCF compare to FNF and RYAN?
According to the Insurance industry distribution chart, Protector Forsikring ASA ranks #374 out of 399 companies for Intrinsic Value: Projected FCF. This places Protector Forsikring ASA in the lower half of its industry. The industry median Intrinsic Value: Projected FCF is 0.76. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Intrinsic Value: Projected FCF for an Insurance company?
The median Intrinsic Value: Projected FCF among Insurance companies is 0.76, based on 399 companies in the industry. Companies in the top quartile (top 25%) have a Intrinsic Value: Projected FCF significantly above this median, while those in the bottom quartile fall well below. However, Intrinsic Value: Projected FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Intrinsic Value: Projected FCF mean?
A high Intrinsic Value: Projected FCF can signal that a stock is expensive relative to its fundamentals. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on Protector Forsikring ASA and its competitors. For the Insurance industry, the median Intrinsic Value: Projected FCF is 0.76 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Protector Forsikring ASA's current Intrinsic Value: Projected FCF is €13.42. 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 (FRA:PR4) is currently considered Modestly Overvalued. The stock's GF Value™ is €36.22, compared to a current price of €41.62 — trading 14.9% above its estimated fair value. The current Intrinsic Value: Projected FCF is €13.42. Protector Forsikring ASA's overall GF Score™ is 79/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Intrinsic Value: Projected FCF calculated?
Intrinsic Value: Projected FCF is calculated from a company's financial statements. For Protector Forsikring ASA (FRA:PR4), the current Intrinsic Value: Projected FCF is €13.42 as of Sep. 17, 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 (FRA:PR4) Overvalued in 2026?
Based on GuruFocus' analysis, Protector Forsikring ASA stock appears to be overvalued.
The current stock price of €41.62 is trading 14.9% above its estimated GF Value™ of €36.22.
GuruFocus considers Protector Forsikring ASA to be Modestly Overvalued.
Key valuation signals for FRA:PR4:
Intrinsic Value: Projected FCF: €13.42
GF Value™: €36.22 vs. price of €41.62 (14.9% above fair value)
No single metric tells the full story. See the FRA: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.
79GF Score
Get the complete analysis for FRA:PR4
Intrinsic Value: Projected FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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