Protector Forsikring ASAHAM:PR4 +0.29%47 PS Ratio is 2.79 as of Jun. 26, 2026, which is 59% above its 10-year median of 1.75. 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 500 Insurance companies, Protector Forsikring ASA ranks worse than 81.2% on this metric.
The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. As of today, Protector Forsikring ASA's share price is €42.10.
Protector Forsikring ASA's Revenue per Share for the trailing twelve months (TTM) ended in Mar. 2026 was €15.07. Hence, Protector Forsikring ASA's PS Ratio for today is 2.79.
The historical rank and industry rank for Protector Forsikring ASA's PS Ratio or its related term are showing as below:
HAM:PR4'
s PS Ratio Range Over the Past 10 Years
Min: 0.41 Med: 1.75 Max: 3.14
Current: 2.69
During the past 13 years, Protector Forsikring ASA's highest PS Ratio was 3.14. The lowest was 0.41. And the median was 1.75.
HAM:PR4's PS Ratio is ranked worse than 81.2% of 500
companies
in the Insurance industry
Industry Median: 1.14
vs HAM:PR4: 2.69
During the past 12 months, the average Revenue per Share Growth Rate of Protector Forsikring ASA was 11.90% per year.
During the past 3 years, the average Revenue per Share Growth Rate was 33.40% per year.
During the past 5 years, the average Revenue per Share Growth Rate was 22.90% per year.
During the past 10 years, the average Revenue per Share Growth Rate was 19.00% per year.
During the past 13 years, Protector Forsikring ASA's highest 3-Year average Revenue per Share Growth Rate was 126.60% per year. The lowest was -2.60% per year. And the median was 25.10% per year.
Back to Basics: PS Ratio
Protector Forsikring ASA (HAM:PR4) PS Ratio Explanation
The PS Ratio is an excellent valuation indicator if you want to compare a stock with its historical valuation or with the stocks in the same industry. The PS Ratio works especially well when you want to compare the stock's current valuation with its historical valuation. The PS Ratio is a great valuation tool for evaluating cyclical businesses where the PE Ratio works poorly. It works the best when comparing the current valuation with the historical valuation because over time, a company's profit margin tends to revert to the mean.
When the PS Ratio is applied to the whole stock market, it can be used to evaluate the current market valuation and projected returns. In this case, the price is the total market cap of all stocks that are traded, and sales are the GDP of the country. This is how Warren Buffett estimates the broad market valuation and project future returns.
The PS Ratio does not tell you how cheap or expensive the stock is. It cannot be used to compare companies in different industries. It works better for companies within the same industry because these companies tend to have similar capital structures and profit margins. It works the best when comparing a company with itself in the past.
* 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 PS Ratio, along with its competitors' market caps and PS 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 PS Ratio vs Insurance Industry
For the Insurance industry and Financial Services sector, Protector Forsikring ASA's PS Ratio distribution charts can be found below:
* The bar in red indicates where Protector Forsikring ASA's PS Ratio falls into.
The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. It is a ratio widely used to value stocks and it was first used by Ken Fisher.
Protector Forsikring ASA's Share Price of today is €42.10. Protector Forsikring ASA's Revenue per Share 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 €15.07.
* 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.
It can also be calculated from the numbers for the whole company:
Protector Forsikring ASA (HAM:PR4) has a PS Ratio of 2.79 as of Jun. 26, 2026. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on Protector Forsikring ASA and its competitors. This is 59% above median its historical median of 1.75. Over the past decade, Protector Forsikring ASA's PS Ratio has ranged from 0.41 to 3.14. According to the industry distribution chart, Protector Forsikring ASA ranks #406 out of 500 companies in the Insurance industry, placing it in the top 81.2%.
Is Protector Forsikring ASA's PS Ratio too high?
Protector Forsikring ASA's current PS Ratio of 2.79 is 59% above median its 10-year median of 1.75. Over the past 10 years, this metric has ranged from a low of 0.41 to a high of 3.14. The Insurance industry median PS Ratio is 1.14. Protector Forsikring ASA's value of 2.79 is 144.7% above this industry median. Based on the distribution chart, Protector Forsikring ASA ranks #406 out of 500 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 PS Ratio compare to FNF and AXS?
According to the Insurance industry distribution chart, Protector Forsikring ASA ranks #406 out of 500 companies for PS Ratio. This places Protector Forsikring ASA in the lower half of its industry. The industry median PS Ratio is 1.14. Protector Forsikring ASA's value of 2.79 is 144.7% above this benchmark. Historically, Protector Forsikring ASA's own PS Ratio has ranged from 0.41 to 3.14 over the past decade. While the company's 10-year median is 1.75 vs. the industry median of 1.14, 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 PS Ratio for an Insurance company?
The median PS Ratio among Insurance companies is 1.14, based on 500 companies in the industry. Companies in the top quartile (top 25%) have a PS Ratio significantly above this median, while those in the bottom quartile fall well below. However, PS Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Protector Forsikring ASA's current PS Ratio of 2.79 is 144.7% 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 PS Ratio mean?
A high PS Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on Protector Forsikring ASA and its competitors. For the Insurance industry, the median PS Ratio is 1.14 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Protector Forsikring ASA's current PS Ratio is 2.79, which is 59% above median its own 10-year median of 1.75. 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 PS Ratio is 2.79, which is 59% above median its 10-year median of 1.75 and 144.7% above the Insurance industry median of 1.14. 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 PS Ratio calculated?
PS Ratio is calculated from a company's financial statements. For Protector Forsikring ASA (HAM:PR4), the current PS Ratio is 2.79 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:
PS Ratio: 2.79 (59% above median its 10-year median of 1.75)
GF Value™: €31.40 vs. price of €42.10 (34.1% above fair value)
Industry Position: 144.7% above the Insurance median (#406 of 500)
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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