Protector Forsikring ASA PROT
Oslo Børs · Financial Services · Insurance - Property & Casualty
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Annual accounts for Protector Forsikring
| NOK million | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Income statement | ||||
| Revenue | 5,993 | 9,718 | 11,693 | 14,248 |
| EBITDA | – | – | – | – |
| Net income | 1,379 | 1,509 | 1,573 | 2,646 |
| Balance sheet | ||||
| Equity | 3,762 | 4,529 | 5,789 | 7,675 |
| Total debt | 1,348 | 1,977 | 1,608 | 2,695 |
| Cash | 198 | 324 | 456 | 360 |
| Net debt | 1,149 | 1,653 | 1,152 | 2,335 |
| Ratios and per share | ||||
| EBITDA margin | – | – | – | – |
| Profit margin | 23.0% | 15.5% | 13.5% | 18.6% |
| Return on equity | 36.7% | 33.3% | 27.2% | 34.5% |
| Earnings/share (NOK) | 16.74 | 18.30 | 19.08 | 32.10 |
| Book value/share (NOK) | 45.66 | 54.94 | 70.23 | 93.10 |
| Shares outstanding (M) | 82 | 82 | 82 | 82 |
From the annual statements (Yahoo Finance), in the currency the company reports in. Per-share figures use the shares at the year end. Charts and annual figures →
Quarterly figures from the reports
BetaFrom the company's own reports: 51 reports read by AI, every figure checked against the report's page and arithmetic.
Source: the Q3 and Q1-Q3 2026 report, page 9, published 2026-10-21.
| Quarter | Insurance revenue | Insurance result | Profit | EPS | Adj. EPS | Source |
|---|---|---|---|---|---|---|
| Q3 2026 | 3,864 | 670 | 838 | 10.20 | … | Q3 and Q1-Q3 2026, p. 9 |
| Q2 2026 | 3,698 | 684 | 755 | 9.00 | … | Q2 and H1 2026, p. 9 |
| Q1 2026 | 3,696 | 559 | 151 | 1.80 | … | Q1 2026, p. 8 |
| Q4 2025 | 3,560 | 535 | 698 | 8.50 | … | Q4 and FY 2025, p. 9 |
| Q3 2025 | 3,529 | 598 | 459 | 5.60 | … | Q3 and Q1-Q3 2025, p. 9 |
| Q2 2025 | 3,413 | 515 | 716 | 8.70 | … | Q2 and H1 2025, p. 9 |
| Q1 2025 | 3,255 | 458 | 740 | 9.00 | … | Q1 2025, p. 9 |
| Q4 2024 | 3,181 | 502 | 248 | 3.00 | … | Q4 and FY 2024, p. 9 |
| Q3 2024 | 3,002 | 504 | 581 | 7.10 | … | Q3 2024, p. 8 |
| Q2 2024 | 2,865 | 157 | 254 | 3.10 | … | Q2 and H1 2024, p. 8 |
| Q1 2024 | 2,735 | 240 | 456 | 5.50 | … | Q1 2025, p. 9 |
| Q4 2023 | 2,646 | 361 | 676 | 8.20 | … | Q4 2023, p. 9 |
Amounts in NOK million, EPS in NOK. Each quarter as first reported, as a backtest would have seen it. Adjusted EPS (without one-off items) is shown once the one-off items have been checked against the companies' own adjusted figures.
One-off items in the reports
- 2025-12-31 Loss from the portfolio transfer agreement (PTA) with DARAG Deutschland AG (mainly due to discounting effects): −48.0 NOK million (Q4 and FY 2025, p. 6)
- 2025-09-30 Net realised gain and loss on investments: +768.0 NOK million (Q3 and Q1-Q3 2025, p. 9)
- 2025-09-30 Net realised gain and loss on investments: +131.0 NOK million (Q3 and Q1-Q3 2025, p. 9)
- 2025-06-30 Establishment of the French branch: +11.5 NOK million (Q2 and H1 2025, p. 6)
- 2025-06-30 Run-off gains: +2.2 NOK million (Q2 and H1 2025, p. 6)
- 2025-06-30 Large losses: −209.0 NOK million (Q2 and H1 2025, p. 6)
- 2024-12-31 One-off effect of reclassification of taxes and levies: +0.0 NOK million (Q4 and FY 2025, p. 6)
- 2024-12-31 one-off effect of reclassification of taxes and levies in Q3 2023: −10.7 NOK million (Q4 and FY 2024, p. 6)
Found by AI and still being validated: hover for the report's own words.
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Extracted by an AI model from the reports and can be wrong. Not investment advice.
Key figures
| P/E | 14.7 |
| P/B | 5.1 |
| EV / EBITDA | – |
| Net debt / EBITDA | – |
| Return on equity | 34.5% |
| Profit margin | 18.6% |
| Beta 1Y | 0.14 |
| Revenue growth 1Y | +21.9% |
| Revenue CAGR 3Y | +33.5% |
| Earnings/share CAGR 3Y | +24.2% |
| ROE avg. 3Y | 31.7% |
Ratios use the latest annual report that was public 90 days after the year end.
Dividends per share (NOK)
| 2026 | 22.00 |
| 2025 | 12.00 |
| 2024 | 9.00 |
| 2023 | 10.00 |
| 2022 | 11.50 |
| 2021 | 1.67 |
Not investment advice. Figures may contain errors from the data source.