Protector Forsikring ASA (HAM:PR4) 3-Year RORE % : 15.02% (As of Mar. 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 3-Year RORE %?

Protector Forsikring ASA HAM:PR4 +0.29% 47 3-Year RORE % is 15.02 as of Mar. 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 473 Insurance companies, Protector Forsikring ASA ranks better than 59.83% on this metric.

Return on Retained Earnings (RORE) is an indicator of a company's growth potential, it shows how much a company earns by reinvesting its retained earnings, i.e. profits after dividend payments. Protector Forsikring ASA's 3-Year RORE % for the quarter that ended in Mar. 2026 was 15.02%.

The industry rank for Protector Forsikring ASA's 3-Year RORE % or its related term are showing as below:

HAM:PR4's 3-Year RORE % is ranked better than
59.83% of 473 companies
in the Insurance industry
Industry Median: 11.68 vs HAM:PR4: 15.02

Protector Forsikring ASA  (HAM:PR4) 3-Year RORE % Explanation

Return on Retained Earnings (RORE) is important to investors because it reveals a company's efficiency and growth potential. A higher RORE indicates a higher return. A high RORE indicates that the company should reinvest profits into the business. A lower RORE suggests that the company should distribute profits to shareholders by paying out dividends, since those dollars aren't generating much additional growth for the company.

There are a several different ways to arrive at the Return on Retained Earnings. The simplest way to calculate it is by using published information on Earnings per Share (EPS) and Dividend per Share (DPS) over a selected period. Here, 3-year period is chosen.

Be Aware

Please keep in mind that the RORE is relative to the nature of the business and its competitors. If another company in the same sector is producing a lower return on retained earnings, it doesn’t necessarily mean it’s a bad investment. It may just suggest the company is older and no longer in a high growth stage. At such a stage in the business cycle, it would be expected to see a lower RORE and higher dividend payout.


Protector Forsikring ASA 3-Year RORE % Related Terms


Protector Forsikring ASA 3-Year RORE % Historical Data

* Premium members only.

The historical data trend for Protector Forsikring ASA's 3-Year RORE % 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 3-Year RORE % Chart

Protector Forsikring ASA Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
3-Year RORE %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 56.19 11.40 3.60 -0.29 19.67

Protector Forsikring ASA Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
3-Year RORE % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only -2.39 6.01 11.16 19.67 15.02

HAM:PR4 vs FNF, AXS, FAF: 3-Year RORE % Comparison

For the Insurance - Specialty subindustry, Protector Forsikring ASA's 3-Year RORE %, along with its competitors' market caps and 3-Year RORE % 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 3-Year RORE % vs Insurance Industry

For the Insurance industry and Financial Services sector, Protector Forsikring ASA's 3-Year RORE % distribution charts can be found below:

* The bar in red indicates where Protector Forsikring ASA's 3-Year RORE % falls into.


HAM:PR4
47GF Score
Protector Forsikring ASA HAM:PR4
3-Year RORE % is just one metric. See GF Score™, valuation, warning signs, and more.
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Protector Forsikring ASA 3-Year RORE % Calculation

Protector Forsikring ASA's 3-Year RORE % for the quarter that ended in Mar. 2026 is calculated as:

3-Year RORE %=( Most Recent EPS (Diluted)- First Period EPS (Diluted) )/( Cumulative EPS (Diluted) for 3-year -Cumulative Dividends per Share for 3-year )
=( 2.109-1.412 )/( 5.429-0.79 )
=0.697/4.639
=15.02 %

* 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.

In the calculation of 3-Year RORE %, the most recent and first period EPS (Diluted) is the trailing twelve months (TTM) data ended in Mar. 2026 and 3-year before.

Frequently Asked Questions Learn more about 3-Year RORE % →
What does a 3-Year RORE % of 15.02 mean?
Protector Forsikring ASA (HAM:PR4) has a 3-Year RORE % of 15.02 as of Mar. 2026. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on Protector Forsikring ASA and its competitors. According to the industry distribution chart, Protector Forsikring ASA ranks #190 out of 473 companies in the Insurance industry, placing it in the top 40.2%.
Is Protector Forsikring ASA's 3-Year RORE % too high?
Protector Forsikring ASA's current 3-Year RORE % is 15.02. The Insurance industry median 3-Year RORE % is 11.68. Protector Forsikring ASA's value of 15.02 is 28.6% above this industry median. Based on the distribution chart, Protector Forsikring ASA ranks #190 out of 473 companies in the Insurance industry, which is above 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 3-Year RORE % compare to FNF and AXS?
According to the Insurance industry distribution chart, Protector Forsikring ASA ranks #190 out of 473 companies for 3-Year RORE %. This puts Protector Forsikring ASA in the upper half of its industry. The industry median 3-Year RORE % is 11.68. Protector Forsikring ASA's value of 15.02 is 28.6% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year RORE % for an Insurance company?
The median 3-Year RORE % among Insurance companies is 11.68, based on 473 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year RORE % significantly above this median, while those in the bottom quartile fall well below. However, 3-Year RORE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Protector Forsikring ASA's current 3-Year RORE % of 15.02 is 28.6% 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 3-Year RORE % mean?
A high 3-Year RORE % can signal that a stock is expensive relative to its fundamentals. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on Protector Forsikring ASA and its competitors. For the Insurance industry, the median 3-Year RORE % is 11.68 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Protector Forsikring ASA's current 3-Year RORE % is 15.02. 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 3-Year RORE % is 15.02 and 28.6% above the Insurance industry median of 11.68. 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 3-Year RORE % calculated?
3-Year RORE % is calculated from a company's financial statements. For Protector Forsikring ASA (HAM:PR4), the current 3-Year RORE % is 15.02 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:

  • 3-Year RORE %: 15.02
  • GF Value™: €31.38 vs. price of €42.10 (34.2% above fair value)
  • GF Score™: 47/100 with 3 warning signs
  • Industry Position: 28.6% above the Insurance median (#190 of 473)

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

Get the complete analysis for HAM:PR4

3-Year RORE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€42.10
Price
€31.38
GF Value