Protector Forsikring ASA/Nkr PROT
1D1W1M3M6MYTD1Y5YMAX
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
15.20
kr 29.47
0.37
kr 20.00
4.47%
Price and volume
Market cap
kr 37B
Beta
0.37
52-week high
kr 559.00
52-week low
kr 398.20
Average daily volume
116K
Dividend rate
kr 20.00
Financial strength
Current ratio
1.595
Quick ratio
1.513
Long term debt to equity
0.282
Total debt to equity
0.282
Dividend payout ratio (TTM)
66.51%
Interest coverage (TTM)
14.69%
Profitability
EBITDA (TTM)
3,585.25
Gross margin (TTM)
34.47%
Net profit margin (TTM)
16.26%
Operating margin (TTM)
23.23%
Effective tax rate (TTM)
24.86%
Revenue per employee (TTM)
kr 21,620,000
Management effectiveness
Return on assets (TTM)
7.49%
Return on equity (TTM)
33.46%
Valuation
Price to earnings (TTM)
15.196
Price to revenue (TTM)
2.439
Price to book
5.07
Price to tangible book (TTM)
5.15
Price to free cash flow (TTM)
18.078
Free cash flow yield (TTM)
5.53%
Free cash flow per share (TTM)
24.77
Dividend yield (TTM)
4.47%
Growth
Revenue change (TTM)
10.81%
Earnings per share change (TTM)
12.37%
3-year revenue growth (CAGR)
19.62%
10-year revenue growth (CAGR)
17.28%
3-year earnings per share growth (CAGR)
18.89%
10-year earnings per share growth (CAGR)
17.05%
10-year dividend per share growth (CAGR)
25.61%
What the Analysts think about PROT
Analyst ratings (Buy, Hold, Sell) for Protector Forsikring ASA stock.
Analyst projections of the future price of Protector Forsikring ASA stock.
Bulls say / Bears say
Underwriting remains strongly profitable: the combined ratio improved to 83.2% in the first half of 2026 from 85.4% a year earlier, and reached 81.5% in Q2. This gives the insurer a solid base even as it expands. (Protector Forsikring)
Protector’s solvency ratio was 221% after its latest dividend, while AM Best affirmed its A- financial strength rating with a stable outlook. This strong capital position supports resilience and continued investment in growth. (Protector Forsikring, AM Best)
A major new UK motor fleet account, covering more than 80,000 vehicles, is expected to contribute about £25 million in first-year premiums from Q3. If Protector can underwrite this business profitably, it offers a tangible source of growth. (Investing.com)
First-half profit fell to NOK 920 million from NOK 1.47 billion a year earlier, while investment returns including insurance finance dropped to NOK 134 million from NOK 1.00 billion. This shows how much earnings can swing with investment performance. (Protector Forsikring)
Premium growth slowed: Q2 gross written premiums fell 2% in NOK terms and rose only 6% in local currencies, while the renewal rate was 88%. Management said a softer UK and Swedish market is costing business where competitors are quoting rates Protector considers unprofitable. (Protector Forsikring, ROIC AI)
The exceptionally low Q2 combined ratio may not represent a normal run rate: large losses were 4.6% of premiums, below Protector’s roughly 8% normal expectation, and prior-year reserve releases added a further 4.0%. A return to more typical claims experience could lift the ratio and reduce underwriting earnings. (Investing.com, ROIC AI)
Data summarised monthly by Lightyear AI. Last updated on 6 Oct 2026.
PROT Financial Performance
Revenues and expenses
PROT Earnings Performance
Company profitability
Upcoming events
Funds containing PROT
AllUSDEURGBP
Fund name | Fund size | Nkr PROT weighting |
|---|---|---|
Xtrackers MSCI Europe Small Cap£XXSC | $3.6B | 0.15% |
Xtrackers MSCI Europe Small Cap€DX2J | $3.6B | 0.15% |
Vanguard ESG Developed Europe All Cap£V3EL | €35M | 0.02% |
Vanguard ESG Developed Europe All Cap£V3EA | €125M | 0.02% |
iShares MSCI World Small Cap€IUSN | $9B | 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.