Protector Forsikring ASA

Protector Forsikring ASA

PSKRF
Protector Forsikring ASAUS flagOther OTC
49.50
USD
- -
- -
4.08BMarket Cap
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
165.77
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
27.64
Free Cash Flow per Basic Share
-0.12
-0.1
-0.12
-0.27
-0.29
-0.47
-0.58
-0.19
-0.64
-0.53
-0.87
-0.87
-1.29
-0.98
Dividend per Share
1.2
1.75
1.95
2.25
2.25
- -
- -
- -
8.01
11.5
10
9
12
8.94
Book Value per Share
1.04
1.04
1.02
1
1
1.03
1.05
1.05
1
1
1.01
1.01
1.01
- -
Tangible Book Value per Share
9.27
11.84
23.56
26.14
29.88
23.94
24.28
36.37
42.61
44.51
53.67
68.82
91.68
74.39
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
13,760
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
2,294
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
24
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
16.67
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
2,688
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
6,289
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
122.49
163.38
198.15
93.69
47.81
- -
- -
67.8
81.43
95.18
86.47
89.06
124.45
100.89
Return on Common Equity (%)
333.09
444.27
538.83
525.42
553.32
-342.87
-5.26
1,136.55
1,461.09
1,671.52
1,823.56
1,895.18
3,187.95
- -

Capital Structure

FRC

in mil. unless spec.
Dec'24
Mar'25
Jun'25
ST Debt
- -
- -
- -
LT Borrowings
1,544
2,688
2,688
LT Finance Leases
64
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
82
82
82
Market Capitalization
10,880
10,037
9,643

Working Capital

FRC

in mil. unless spec.
Dec'24
Mar'25
Jun'25
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
456
701
705
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

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
- -
- -
47.22%
Net Income, GAAP
-2,183.49%
23.93%
68.21%
Sales/Revenue/Turnover
20.1%
22.57%
21.85%
Total Cash Common Dividend
- -
58.84%
33.29%

Quarterly Revenue

FRC

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
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

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
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

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
- -
- -
- -
- -

Company Description

APIChat
CEO
Henrik Wold-Golfetto Hoye
Full Time Employees
526
Sector
Financial Services
Industry
Insurance - Specialty
Address
Støperigata 2 Oslo Norway 0113
IPO Date
Aug 10, 2017
Business
Protector Forsikring ASA, a Norwegian non-life insurance company founded in 2003 and headquartered in Oslo, Norway, provides a comprehensive range of property, casualty, and liability insurance products to commercial enterprises, public sector entities, and affinity markets primarily in Norway, Sweden, Denmark, the United Kingdom, and Finland. Its core offerings include property insurance covering buildings, machinery, inventory, business interruption, and contractor risks; liability insurance encompassing general corporate, product, directors' and officers', construction client, and cyber liability; motor insurance for passenger cars, commercial vehicles, and heavy equipment; personal accident and health insurance including disability income, life, accident, occupational injury, and group life coverage; and change of ownership insurance for real estate transactions, though new policies were discontinued as of December 31, 2021. The company operates through commercial lines serving over 5,000 companies and public lines insuring more than 600 Scandinavian municipalities and 420 UK public sector/housing clients, distributing products mainly via insurance brokers. In 2025, Protector Forsikring entered a portfolio transfer agreement with DARAG Deutschland AG to fully exit its Danish workers' compensation business, transferring approximately €130 million in net liabilities pending regulatory approval; issued a new NOK 800 million Solvency II-compliant Tier 2 bond to bolster capital; reported Q1 combined ratio improvement to 85.9% with EPS of NOK 9.0 and Q3 combined ratio of 83.1% with EPS of NOK 5.6; and achieved 14% premium growth in the UK market at the April 1 renewal.

Company News

APIChat
  • Protector Forsikring ASA (PSKRF) Q1 2026 Earnings Call Transcript

  • Protector Forsikring ASA (PSKRF) Shareholder/Analyst Call Prepared Remarks Transcript

  • Protector Forsikring ASA (PSKRF) Q4 2025 Earnings Call Transcript

  • Highwood Value Partners H2 2025 Portfolio Changes

  • Protector Forsikring ASA (OTCMKTS:PSKRF) Stock Price Up 4.2% – What’s Next?

  • Protector Forsikring ASA (OTCMKTS:PSKRF) Shares Up 7.6% – Time to Buy?

  • Protector Forsikring ASA (PSKRF) Q3 2025 Earnings Call Transcript

  • Protector Forsikring ASA (PSKRF) Q2 2025 Earnings Conference Call Transcript