Protector Forsikring ASA (HAM:PR4) Moat Score: 4/10 (As of Jun. 26, 2026)


HAM:PR4 Protector Forsikring ASA HAM:PR4
47 GF Score
Price €42.10
GF Value €31.38
Valuation Significantly Overvalued
! 3 Warning Signs
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What is Protector Forsikring ASA Moat Score?

Protector Forsikring ASA HAM:PR4 +0.29% 47 Moat Score is 4 as of Jun. 26, 2026. GuruFocus rates HAM:PR4 with a GF Score™ of 47/100 and a GF Value™ of €31.38 (Significantly Overvalued). The stock has 3 warning signs investors should review. Among 596 Insurance companies, Protector Forsikring ASA ranks better than 79.53% on this metric.

Protector Forsikring ASA has the Moat Score of 4, which implies that the company might have Narrow Moat - Discernible but modest moat.

Protector Forsikring ASA has Narrow Moat: Protector Forsikring has a modest moat due to its niche market presence and some customer loyalty. However, it lacks significant network effects and strong pricing power. The regulatory environment provides some barriers, but not enough to ensure a wide moat.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Protector Forsikring ASA might have Narrow Moat - Discernible but modest moat.

Protector Forsikring ASA  (HAM:PR4) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Protector Forsikring ASA Moat Score Related Terms

HAM:PR4 vs FNF, AXS, FAF: Moat Score Comparison

For the Insurance - Specialty subindustry, Protector Forsikring ASA's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Insurance Industry

For the Insurance industry and Financial Services sector, Protector Forsikring ASA's Moat Score distribution charts can be found below:

* The bar in red indicates where Protector Forsikring ASA's Moat Score falls into.


HAM:PR4
47GF Score
Protector Forsikring ASA HAM:PR4
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 4 mean?
Protector Forsikring ASA (HAM:PR4) has a Moat Score of 4 as of Jun. 26, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Protector Forsikring ASA ranks #122 out of 596 companies in the Insurance industry, placing it in the top 20.5%.
Is Protector Forsikring ASA's Moat Score too high?
Protector Forsikring ASA's current Moat Score is 4. Based on the distribution chart, Protector Forsikring ASA ranks #122 out of 596 companies in the Insurance industry, which is in the top quartile — a strong position 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 Moat Score compare to FNF and AXS?
According to the Insurance industry distribution chart, Protector Forsikring ASA ranks #122 out of 596 companies for Moat Score. This places Protector Forsikring ASA in the top 21% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for an Insurance company?
A good Moat Score depends on the Insurance industry context. However, Moat Score 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Protector Forsikring ASA's current Moat Score is 4. 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 €31.38, compared to a current price of €42.10 — trading 34.2% above its estimated fair value. The current Moat Score is 4. 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 Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Protector Forsikring ASA (HAM:PR4), the current Moat Score is 4 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 34.2% above its estimated GF Value™ of €31.38. GuruFocus considers Protector Forsikring ASA to be Significantly Overvalued.

Key valuation signals for HAM:PR4:

  • Moat Score: 4
  • GF Value™: €31.38 vs. price of €42.10 (34.2% above fair value)
  • GF Score™: 47/100 with 3 warning signs

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 Business Description

Address Stoperigata 2, PB 1351 Vika, Oslo, NOR, 0113
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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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€42.10
Price
€31.38
GF Value