1. Norway Stocks

  2. •

    Financial Services

  3. •

    Insurance - Specialty
Protector Forsikring ASA

Protector Forsikring ASA

PSKRF
Protector Forsikring ASAUS flagOther OTC
48.62
USD
- -
- -
4.00BMarket Cap
Protector Forsikring ASA
PSKRF
(Other OTC)

Recent

price

48.62

P/E

ratio

- -

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
10.06
11.28
17.64
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
165.72
Revenue per Share
1.56
-0.09
2.41
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
Basic EPS, GAAP
1.39
1.9
-0.14
-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
Free Cash Flow per Basic Share
1.26
1.5
- -
1.2
1.75
1.95
2.25
2.25
- -
- -
- -
8.01
11.5
10
9
12
8.94
Dividend per Share
1.04
1.04
1.04
1.04
1.04
1.02
1
1
1.03
1.05
1.05
1
1
1.01
1.01
1.01
1
Book Value per Share
6.13
4.54
6.96
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
74.37
Tangible Book Value per Share
83
83
83
83
83
85
86
86
84
82
82
82
82
82
82
82
83
Basic Weighted Avg Shares
831
932
1,457
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
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
- -
7
7
8
10
12
15
17
22
29
28
29
57
61
73
85
- -
Depreciation Expense
128
-8
199
287
383
464
453
477
-295
-5
979
1,232
1,379
1,509
1,573
2,646
2,295
Net Income, GAAP
1.04
122.94
19.57
23.57
19.54
13.41
16.34
15.2
- -
- -
15.31
17.77
19.96
22.71
24.59
23.01
23.94
Effective Tax Rate (%)
15.46
-0.81
13.65
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
16.68
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
- -
- -
148
148
148
148
646
1,243
1,243
1,243
1,473
1,385
1,348
1,977
1,608
2,695
2,688
LT Debt
516
385
584
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
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
149.08
-8.79
124.06
122.49
163.38
198.15
93.69
47.81
- -
- -
67.8
81.43
95.18
86.47
89.06
124.45
97.06
Return on Capital (%)
149.08
-8.79
230.71
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
2,765.06
Return on Common Equity (%)

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
9,647

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
3,975
- -
- -
- -

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
9
- -
- -
- -

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
8
- -
- -
- -
Similar Companies
Octave Specialty Group, Inc. (OSG)
ACMAT Corporation (ACMT)
HG Holdings, Inc. (STLY)
State National Companies, Inc. (SNC)
Essent Group Ltd. (ESNT)
Fidelity National Financial, Inc. (FNF)
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

APIChatGPT

  • seekingalpha.com

    Protector Forsikring ASA (PSKRF) Q2 2026 Earnings Call Transcript

  • seekingalpha.com

    Protector Forsikring ASA (PSKRF) Q1 2026 Earnings Call Transcript

  • seekingalpha.com

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

  • seekingalpha.com

    Protector Forsikring ASA (PSKRF) Q4 2025 Earnings Call Transcript

  • seekingalpha.com

    Highwood Value Partners H2 2025 Portfolio Changes

  • defenseworld.net

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

  • defenseworld.net

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

  • seekingalpha.com

    Protector Forsikring ASA (PSKRF) Q3 2025 Earnings Call Transcript

  • seekingalpha.com

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