Protector Forsikring ASAHAM:PR4 +0.29%47 Dividend Payout Ratio is 3.34 as of Mar. 2026, which is 695% above its 10-year median of 0.42. 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 335 Insurance companies, Protector Forsikring ASA ranks worse than 72.54% on this metric.
The Dividend Payout Ratio is the measure of dividends paid out to shareholders relative to the company's net income. It is calculated as the Dividends per Share divided by the Earnings per Share (Diluted) during the same time period. Protector Forsikring ASA's Dividend Payout Ratio for the
months ended in Mar. 2026 was 3.34.
The historical rank and industry rank for Protector Forsikring ASA's Dividend Payout Ratio or its related term are showing as below:
HAM:PR4'
s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.34 Med: 0.42 Max: 0.47
Current: 0.37
During the past 13 years, the highest Dividend Payout Ratio of Protector Forsikring ASA was 0.47. The lowest was 0.34. And the median was 0.42.
HAM:PR4's Dividend Payout Ratio is ranked worse than 72.54% of 335
companies
in the Insurance industry
Industry Median: 0.38
vs HAM:PR4: 0.37
During the past 13 years, the highest Trailing Annual Dividend Yield of Protector Forsikring ASA was 6.88%. The lowest was 0.93%. And the median was 3.11%.
During the past 12 months, Protector Forsikring ASA's average Dividends Per Share Growth Rate was 250.00% per year.
During the past 3 years, the average Dividends Per Share Growth Rate was 19.70% per year.
During the past 13 years, the highest 3-Year average Dividends Per Share Growth Rate of Protector Forsikring ASA was 23.30% per year. The lowest was -1.40% per year. And the median was 8.70% per year.
The growth rate is calculated with least square regression.
For more information regarding to dividend, please check our Dividend Page.
* Please note that "special dividend" is not included in the calculation of dividend per share and related fields.
Protector Forsikring ASA (HAM:PR4) Dividend Payout Ratio Explanation
In dividends investing, Dividend Payout Ratio and Dividend Growth Rate are the two most important variables for consideration. A lower payout ratio may indicate that the company has more room to increase its dividends.
Protector Forsikring ASA Dividend Payout Ratio Related Terms
Protector Forsikring ASA Dividend Payout Ratio Historical Data
* Premium members only.
The historical data trend for Protector Forsikring ASA's Dividend Payout Ratio 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.
Protector Forsikring ASA Dividend Payout Ratio Chart
HAM:PR4 vs FNF, AXS, FAF: Dividend Payout Ratio Comparison
For the Insurance - Specialty subindustry, Protector Forsikring ASA's Dividend Payout Ratio, along with its competitors' market caps and Dividend Payout Ratio 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 Dividend Payout Ratio vs Insurance Industry
For the Insurance industry and Financial Services sector, Protector Forsikring ASA's Dividend Payout Ratio distribution charts can be found below:
* The bar in red indicates where Protector Forsikring ASA's Dividend Payout Ratio falls into.
Protector Forsikring ASA Dividend Payout Ratio Calculation
The Dividend Payout Ratio is the measure of dividends paid out to shareholders relative to the company's net income. It is calculated as the Dividends per Share divided by the Earnings per Share (Diluted) during the same time period.
Protector Forsikring ASA's Dividend Payout Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* 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 Dividend Payout Ratio of 3.34 as of Mar. 2026. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on Protector Forsikring ASA and its competitors. This is 695% above median its historical median of 0.42. Over the past decade, Protector Forsikring ASA's Dividend Payout Ratio has ranged from 0.34 to 0.47. According to the industry distribution chart, Protector Forsikring ASA ranks #243 out of 335 companies in the Insurance industry, placing it in the top 72.5%.
Is Protector Forsikring ASA's Dividend Payout Ratio too high?
Protector Forsikring ASA's current Dividend Payout Ratio of 3.34 is 695% above median its 10-year median of 0.42. Over the past 10 years, this metric has ranged from a low of 0.34 to a high of 0.47. The Insurance industry median Dividend Payout Ratio is 0.38. Protector Forsikring ASA's value of 3.34 is 778.9% above this industry median. Based on the distribution chart, Protector Forsikring ASA ranks #243 out of 335 companies in the Insurance industry, which is below the industry midpoint. 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 Dividend Payout Ratio compare to FNF and AXS?
According to the Insurance industry distribution chart, Protector Forsikring ASA ranks #243 out of 335 companies for Dividend Payout Ratio. This places Protector Forsikring ASA in the lower half of its industry. The industry median Dividend Payout Ratio is 0.38. Protector Forsikring ASA's value of 3.34 is 778.9% above this benchmark. Historically, Protector Forsikring ASA's own Dividend Payout Ratio has ranged from 0.34 to 0.47 over the past decade. While the company's 10-year median is 0.42 vs. the industry median of 0.38, 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 Dividend Payout Ratio for an Insurance company?
The median Dividend Payout Ratio among Insurance companies is 0.38, based on 335 companies in the industry. Companies in the top quartile (top 25%) have a Dividend Payout Ratio significantly above this median, while those in the bottom quartile fall well below. However, Dividend Payout Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Protector Forsikring ASA's current Dividend Payout Ratio of 3.34 is 778.9% 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 Dividend Payout Ratio mean?
A high Dividend Payout Ratio can signal that a stock is expensive relative to its fundamentals. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on Protector Forsikring ASA and its competitors. For the Insurance industry, the median Dividend Payout Ratio is 0.38 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Protector Forsikring ASA's current Dividend Payout Ratio is 3.34, which is 695% above median its own 10-year median of 0.42. 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 (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 Dividend Payout Ratio is 3.34, which is 695% above median its 10-year median of 0.42 and 778.9% above the Insurance industry median of 0.38. 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 Dividend Payout Ratio calculated?
Dividend Payout Ratio is calculated from a company's financial statements. For Protector Forsikring ASA (HAM:PR4), the current Dividend Payout Ratio is 3.34 as of Mar. 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:
Dividend Payout Ratio: 3.34 (695% above median its 10-year median of 0.42)
GF Value™: €31.38 vs. price of €42.10 (34.2% above fair value)
Industry Position: 778.9% above the Insurance median (#243 of 335)
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
Get the complete analysis for HAM:PR4
Dividend Payout Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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