Protector Forsikring ASA/Nkr PROT
1D1W1MYTD1Y5YMAX
Capital at risk
About Protector Forsikring ASA
Protector Forsikring ASA is a Norwegian insurance company that primarily operates within the non-life insurance sector. The company offers a range of products, including property and casualty insurance for the commercial and public sectors, as well as personal insurance products through brokers and agents. Established in 2003, Protector Forsikring is headquartered in Oslo, Norway. Its operations extend beyond Norway, with a presence in Sweden, Denmark, the UK, and Finland. The company distinguishes itself through a cost-effective business model and a focus on delivering competitive premiums and strong claims handling capabilities.
- Ticker
- Nkr PROT
- Sector
- Finance
- Primary listing
- XOSL
- Employees
- 705
- Headquarters
- Oslo, Norway
- Website
- www.protectorforsikring.no
PROT Metrics
BasicAdvanced
kr 37B
18.29
kr 24.71
0.36
kr 20.00
4.43%
Price and volume
Market cap
kr 37B
Beta
0.36
52-week high
kr 559.00
52-week low
kr 436.00
Average daily volume
68K
Dividend rate
kr 20.00
Financial strength
Current ratio
1.551
Quick ratio
1.452
Long term debt to equity
0.316
Total debt to equity
0.316
Dividend payout ratio (TTM)
74.82%
Interest coverage (TTM)
11.73%
Profitability
EBITDA (TTM)
3,141.5
Gross margin (TTM)
32.79%
Net profit margin (TTM)
14.45%
Operating margin (TTM)
21.39%
Effective tax rate (TTM)
25.73%
Revenue per employee (TTM)
kr 20,540,000
Management effectiveness
Return on assets (TTM)
6.51%
Return on equity (TTM)
30.56%
Valuation
Price to earnings (TTM)
18.285
Price to revenue (TTM)
2.602
Price to book
5.56
Price to tangible book (TTM)
5.66
Price to free cash flow (TTM)
21.821
Free cash flow yield (TTM)
4.58%
Free cash flow per share (TTM)
20.704
Dividend yield (TTM)
4.43%
Growth
Revenue change (TTM)
7.79%
Earnings per share change (TTM)
-11.21%
3-year revenue growth (CAGR)
19.90%
10-year revenue growth (CAGR)
17.93%
3-year earnings per share growth (CAGR)
3.74%
10-year earnings per share growth (CAGR)
17.30%
10-year dividend per share growth (CAGR)
24.42%
Bulls say / Bears say
Protector’s Q2 2026 combined ratio improved to 81.5%, a 340 basis point reduction from 84.9% in Q2 2025, reflecting enhanced underwriting discipline and favorable claims outcomes. (Reuters)
Gross written premiums in Q2 2026 grew 6% in local currencies — led by Sweden at 17%, Denmark at 8%, Norway at 6%, the UK at 3%, and France at 133% — underscoring the company’s diversified geographic footprint and pricing power. (Reuters)
Protector maintained an A- (Excellent) financial strength rating with a stable outlook from AM Best and reported a Solvency II ratio of 221%, highlighting robust capital adequacy. (Reuters)
Gross written premiums fell 2% in Norwegian kroner terms in Q2 2026, exposing the company to currency headwinds and FX volatility risks. (Reuters)
First-half 2026 profit declined to NOK 920 million from NOK 1,473 million in H1 2025, reflecting softer investment returns amid challenging market conditions. (Reuters)
Softening market conditions in the UK and Sweden led to an 88% renewal rate in Q2 2026 as Protector ceded unprofitable clients, posing potential top-line growth headwinds. (Company Earnings Call Transcript)
Data summarised monthly by Lightyear AI. Last updated on 31 Aug 2026.
Upcoming events
No upcoming events
Funds containing PROT
AllEURGBPUSD
Fund name | Fund size | Nkr PROT weighting |
|---|---|---|
Xtrackers MSCI Europe Small Cap€DX2J | €3.2B | 0.16% |
Xtrackers MSCI Europe Small Cap£XXSC | £2.8B | 0.16% |
L&G Global Quality Dividends£LDGG | £279M | 0.06% |
iShares MSCI World Small Cap$WSML | $9B | 0.02% |
iShares MSCI World Small Cap€IUSN | €7.8B | 0.02% |
Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
Market data provided by CBOE Europe and Deutsche Börse.