Protector Forsikring ASA

Protector Forsikring ASA

44.00
EUR
-0.40
(-0.90%)
3.49BMarket Cap
Jan 28Next Earn
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
21.01
25.76
31.04
39.2
34.4
36.65
53.29
67.42
71.98
72.77
117.92
141.85
172.85
- -
Basic EPS, GAAP
3.47
4.63
5.48
5.25
5.53
-3.52
-0.06
11.96
14.96
16.75
18.31
19.08
32.1
- -
Free Cash Flow per Basic Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Dividend per Share
1.2
1.75
1.95
2.25
2.25
- -
- -
- -
8.01
11.5
10
9
12
16.9
Book Value per Share
9.41
12.01
24.37
26.33
30.08
24.87
24.7
37.01
43.49
45.66
54.94
70.23
93.1
90.01
Tangible Book Value per Share
9.27
11.84
24.18
26.14
29.88
24.57
24.28
36.35
42.6
44.5
53.65
68.82
91.67
88.54
Basic Weighted Avg Shares
83
83
85
86
86
84
82
82
82
82
82
82
82
83
Sales/Revenue/Turnover
1,735
2,128
2,631
3,377
2,964
3,076
4,357
5,519
5,928
5,993
9,718
11,693
14,248
- -
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
8
10
12
15
17
22
29
28
29
57
61
73
85
- -
Net Income, GAAP
287
383
464
453
477
-295
-5
979
1,232
1,379
1,509
1,573
2,646
- -
Effective Tax Rate (%)
23.57
19.54
13.41
16.34
15.2
- -
- -
15.31
17.77
19.96
22.71
24.59
23.01
- -
Profit Margin (%)
16.54
17.99
17.64
13.4
16.08
-9.6
-0.1
17.74
20.79
23.01
15.53
13.45
18.57
- -
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
148
148
148
646
1,243
1,243
1,243
1,473
1,385
1,348
1,977
1,608
2,695
2,340
Total Equity
777
991
2,013
2,268
2,591
2,033
2,019
3,030
3,582
3,762
4,529
5,789
7,675
7,409
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
34.64
37.07
28.13
17.84
14.6
- -
- -
25.22
26.02
27.37
25.98
24.03
31.3
- -
Return on Common Equity (%)
42.18
43.28
30.91
21.15
19.62
-12.78
-0.22
38.78
37.27
37.56
36.4
30.49
39.3
- -

Capital Structure

NOK

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
- -
- -
- -
LT Borrowings
2,340
2,340
2,340
LT Finance Leases
355
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
82
82
82
Market Capitalization
42,828
39,039
39,476

Working Capital

NOK

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
360
1,035
956
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

NOK

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
15.88%
20.8%
32.58%
Free Cash Flow
- -
- -
- -
Net Income, GAAP
-2,183.49%
23.93%
68.21%
Sales/Revenue/Turnover
20.1%
22.57%
21.85%
Total Cash Common Dividend
- -
- -
33.29%

Quarterly Revenue

NOK

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
2,931
2,981
3,368
2,915
11,693
2025
3,646
3,831
- -
3,930
14,248
2026
3,227
3,975
- -
- -
- -

Quarterly Earnings Per Share

NOK

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
5.5
3.1
7.1
3
19.08
2025
9
8.7
- -
8.5
32.1
2026
1.8
9
- -
- -
- -

Quarterly Dividends Per Share

NOK

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
4.97
2.01
2.02
- -
9
2025
4.01
3
- -
2.98
12
2026
5.9
8
- -
- -
- -

Company Description

CEO
Henrik Golfetto Høye
Full Time Employees
727
Sector
Finance
Industry
Property/Casualty insurance
Address
Filipstad Brygge 1 Oslo PS Norway 0252
IPO Date
May 7, 2007
Business
Protector Forsikring ASA operates as a non-life insurance company, providing property, liability, motor, personal, and change of ownership insurance products to commercial, public sector, and affinity clients primarily through brokers. The company offers tailored solutions including property coverage for buildings, machinery, inventory, business interruption, and contractor risks; liability insurance encompassing general corporate, product, directors' and officers', construction client, and cyber protections; motor insurance for passenger cars, commercial vehicles, and heavy equipment; personal insurance such as disability income, health, life, accident, and occupational injury coverage; and change of ownership insurance for sellers' liability on property defects, though new policies discontinued as of December 2021. Protector serves large and medium-sized enterprises, affinity programs, over 600 Scandinavian municipalities and county councils, more than 420 UK public sector and housing clients, and non-marine industries across Norway, Sweden, Denmark, the United Kingdom, and Finland, with expansion initiatives underway in the UK commercial sector, smaller clients, and France. Founded in 2004 and headquartered in Oslo, Norway, Protector Forsikring ASA listed on the Oslo Stock Exchange in 2007 under ticker PROT.OL and employs approximately 594 people. Recent developments include a May 2025 portfolio transfer agreement with DARAG Deutschland AG to fully exit its Danish workers' compensation portfolio involving approximately EUR 130 million in net liabilities, subject to regulatory approvals; successful issuance of a new perpetual restricted Tier 1 bond in October 2025; declaration of a NOK 3.00 per share dividend alongside Q3 2025 results showing a combined ratio of 83.1% and earnings per share of NOK 5.6; robust Q2 2025 growth of 16% in local currencies with a combined ratio of 84.9%; and ongoing strategic expansions in the UK and France.

Company News

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