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Protector Forsikring ASA

Protector Forsikring ASA

PROT · OL · Financial Services / Insurance - Property & Casualty

484.00NOK+5.40 (+1.13%)

Price History

Full chart

Market Stats

Previous Close478.60
Open478.60
Day Range476.60 – 484.00
52-Week Range393.75 – 534.11
Volume59.79K
Market Cap39.40B
P/E (TTM)16.22
Forward P/E16.58
EPS29.51
Dividend Yield4.16%
Beta0.37
50-Day Avg442.93
200-Day Avg475.63

About

Protector Forsikring ASA, operates as a non-life insurance company, provides general insurance and reinsurance services in Norway, Sweden, Finland, Denmark, the United Kingdom and France. The company provides personal, motor, property, liability, and change of ownership insurances. It offers services to commercial lines of business, public sector, and affinity schemes through insurance brokers and agents. Protector Forsikring ASA was incorporated in 2003 and is headquartered in Oslo, Norway.

Company Details

  • SectorFinancial Services
  • IndustryInsurance - Property & Casualty
  • CEOMr. Henrik Wold-Golfetto Hoye
  • Employees681
  • HeadquartersFilipstad Brygge 1, Oslo, Norway, 0252, Norway
  • Websitehttps://www.protectorforsikring.no

Leadership

  • Mr. Henrik Wold-Golfetto HoyeChief Executive Officer · b. 1983
  • Mr. Dag Marius NerengChief Investment Officer · b. 1972
  • Mr. Hans DidringDeputy CEO · b. 1979
  • Mr. Fredrik LandeliusManaging Director of Nordics
  • Leonard BijlIT Director
  • Mr. Stuart WinterCountry Manager UK
  • Ms. Cathrine Wessel PoulsenDeputy Employees Representative Member & Country Manager of Norway
  • Mr. Amund Gronvold SkoglundChief Financial Officer
  • Mr. Stefan SalonenHead of Underwriting & General Agent
  • Mr. Bjarte JensenChief Underwriter of Public Sector - UK

Financials

Income Statement

Currency: NOK2003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue-17.18M204.05M326.34M426.10M682.15M923.40M247.34M951.74M1.46B1.74B2.13B2.63B3.38B3.58B3.08B4.36B5.58B5.85B6.29B9.72B12.19B14.91B
Growth (%)--+1087.78%+59.93%+30.57%+60.09%+35.37%-73.21%+284.79%+53.05%+19.13%+22.61%+23.68%+28.34%+5.96%-14.04%+41.63%+28.08%+4.89%+7.39%+54.62%+25.46%+22.29%
Cost of Revenue------------------4.47B5.04B7.18B--
Gross Profit------------------1.39B1.24B2.54B--
Gross Margin------------------23.68%19.73%26.10%--
Operating Expense------------------691.00M735.00M1.01B--
Operating Income-3.29M-15.79M4.24M14.07M14.39M-45.40M197.15M510.12M33.01M243.01M372.11M471.98M532.26M525.66M557.07M-347.39M-10.90M1.12B694.66M505.04M1.53B2.25B3.68B
Operating Margin--91.90%2.08%4.31%3.38%-6.65%21.35%206.24%3.47%16.68%21.44%22.18%20.23%15.57%15.57%-11.29%-0.25%20.07%11.87%8.04%15.69%18.45%24.69%
EBITDA-3.29M-15.79M4.24M14.07M14.39M-45.40M197.15M510.12M33.01M250.25M380.36M481.82M544.17M541.04M574.31M-325.73M18.46M1.15B724.16M532.35M1.62B--
EBITDA Margin--91.90%2.08%4.31%3.38%-6.65%21.35%206.24%3.47%17.18%21.92%22.65%20.68%16.02%16.05%-10.59%0.42%20.57%12.37%8.47%16.67%--
Net Income567.61K-10.90M4.15M14.19M18.31M-55.13M193.36M141.58M-7.57M198.63M286.97M382.77M464.24M452.68M476.72M-295.40M-4.53M979.20M1.23B842.79M1.51B1.57B2.65B
Net Income Margin--63.42%2.03%4.35%4.30%-8.08%20.94%57.24%-0.80%13.64%16.54%17.99%17.64%13.40%13.32%-9.60%-0.10%17.55%21.05%13.41%15.53%12.90%17.75%
Interest Expense-1.54K-----------0018.70M19.87M0034.40M63.30M83.00M120.00M
Interest Expense % of Total Revenue-0.01%-----------0.00%0.00%0.61%0.46%0.00%0.00%0.55%0.65%0.68%0.80%

Balance Sheet

Currency: NOK2003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets64.87M133.24M470.34M807.90M1.71B1.62B1.97B2.39B2.80B3.77B4.74B5.95B7.74B9.85B12.27B12.83B14.74B16.75B19.25B19.95B19.78B24.65B28.56B
Total Liabilities46.45K83.27M6.37M8.51M16.26M35.37M21.28M51.05M69.42M3.18B3.97B4.96B6.16B7.58B9.68B10.80B12.72B13.72B15.66B16.50B15.25B18.87B20.88B
Total Equity60.86M49.97M85.11M238.88M500.79M355.89M562.66M587.47M384.52M583.15M777.18M991.43M1.57B2.27B2.59B2.03B2.02B3.03B3.58B3.44B4.53B5.79B7.67B
Cash--100.64M85.05M91.21M37.22M85.60M99.92M112.69M136.87M147.34M202.37M137.77M196.87M319.24M270.74M321.68M239.83M291.07M189.32M323.60M456.00M923.00M
Total Debt---------148.13M148.13M148.13M148.13M645.88M1.24B1.24B1.31B1.76B1.97B1.33B1.89B--
Net Debt---100.64M-85.05M-91.21M-37.22M-85.60M-99.92M-112.69M11.26M781.00K-54.25M10.36M449.01M924.04M972.54M921.60M1.23B1.09B1.06B1.57B1.44B1.42B

Cash Flow

Currency: NOK2003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow-1.82K7.16K64.76M-149.50M-225.57M168.53M13.05M122.93M162.87M----297.78M-640.52M712.73M1.41B-41.73M969.95M-121.38M-67.30M1.29B-95.00M
Investing Cash Flow--------------13.96M-25.14M-39.04M-47.80M-15.80M-52.81M-43.75M-71.70M-72.00M-106.00M
Financing Cash Flow--30.46M138.36M263.78M--30.15M-104.41M-123.88M141.80M-111.06M-156.21M-176.47M281.10M347.25M-320.45M-66.62M168.09M-809.52M-1.15B-176.90M-908.00M-55.00M
Capital Expenditure002.75M2.24M0008.32M8.25M4.91M9.93M8.65M10.04M8.98M25.14M39.04M47.80M15.80M52.81M43.75M71.70M72.00M106.00M
Free Cash Flow-1.82K7.16K62.01M-151.73M-225.57M168.53M13.05M114.61M154.63M-4.91M-9.93M-8.65M-10.04M-8.98M-25.14M673.69M1.36B-57.54M917.13M-165.13M-139.00M1.22B-201.00M
Dividends Paid------30.15M104.41M123.88M-99.10M144.52M165.17M193.85M193.82M659.54M659.54M659.54M659.54M947.28M823.90M742.00M989.00M
FCF to OCF100.00%100.00%95.75%101.50%100.00%100.00%100.00%93.24%94.94%-----3.01%3.92%94.52%96.62%137.87%94.55%136.05%206.54%94.44%211.58%
Dividend Paid to FCF------230.99%91.10%80.11%--998.21%-1670.41%-1645.28%-2159.65%-771.07%97.90%48.33%-1146.30%71.91%-573.65%-592.73%60.72%-492.04%

Earnings

Report DateJun 30, 2007Nov 8, 2007Dec 31, 2007Apr 30, 2008Aug 28, 2008Sep 30, 2008Dec 31, 2008May 7, 2009Jun 30, 2009Nov 5, 2009Feb 25, 2010Mar 31, 2010Jul 16, 2010Sep 30, 2010Dec 31, 2010May 5, 2011Jun 30, 2011Nov 1, 2011Feb 29, 2012May 7, 2012Jul 13, 2012Oct 31, 2012Feb 27, 2013May 14, 2013Jul 12, 2013Oct 31, 2013Feb 26, 2014May 9, 2014Jul 11, 2014Oct 29, 2014Feb 12, 2015Apr 30, 2015Jul 10, 2015Oct 29, 2015Feb 12, 2016Apr 29, 2016Jul 8, 2016Oct 28, 2016Feb 9, 2017Apr 27, 2017Jul 8, 2017Oct 26, 2017Jan 31, 2018Apr 27, 2018Jul 12, 2018Oct 25, 2018Jan 31, 2019Apr 24, 2019Jul 12, 2019Oct 24, 2019Feb 6, 2020Apr 30, 2020Jul 10, 2020Oct 29, 2020Feb 3, 2021Apr 27, 2021Jul 8, 2021Oct 27, 2021Feb 1, 2022Apr 27, 2022Jul 7, 2022Oct 26, 2022Feb 1, 2023Apr 28, 2023Jul 10, 2023Oct 19, 2023Jan 31, 2024Apr 24, 2024Jul 11, 2024Oct 23, 2024Feb 9, 2025Apr 24, 2025Jul 10, 2025Oct 22, 2025Jan 28, 2026Apr 22, 2026Jul 9, 2026Oct 21, 2026Jan 27, 2027
EPS Estimate-0.23--0.020.34--0.16-0.600.67--0.14--0.16--0.520.68-0.070.860.10-0.690.60-1.111.620.660.151.711.071.101.150.632.571.550.741.031.211.131.350.821.65-1.02-1.840.791.120.430.40-5.686.014.266.185.291.882.133.22-0.80-0.261.505.142.263.800.393.906.605.325.292.568.047.946.309.351.408.338.136.20
EPS Actual0.030.08-0.13-0.030.42-0.40-0.680.280.790.470.690.53-0.230.900.610.470.05-1.210.751.380.400.94-0.321.020.700.711.051.501.600.551.241.811.070.382.250.192.601.660.800.811.701.461.560.020.84-0.84-3.901.13-1.560.250.10-4.805.693.775.026.393.201.643.20-0.170.632.107.537.602.80-0.017.985.503.107.103.009.008.705.608.501.809.0010.20-
Surprise--65.22%--50.00%23.53%--75.00%--21.67%2.99%--64.29%--193.75%--132.69%10.29%-471.43%9.30%-420.00%-1.45%18.33%-35.14%-1.23%-16.67%726.67%5.85%0.00%-65.45%95.65%-69.84%1.17%7.10%8.11%-21.36%40.50%29.20%15.56%-97.56%-49.09%17.65%-111.96%43.04%-239.29%-41.86%-75.00%15.49%-5.32%-11.50%-18.77%20.79%70.21%-23.00%-0.62%78.75%342.31%40.00%46.50%236.28%-26.32%-102.56%104.62%-16.67%-41.73%34.22%17.19%11.89%9.57%-11.11%-9.09%28.57%8.04%25.46%-
Timing-Pre-market-Pre-marketPre-market--Pre-market-Pre-marketPre-market-Pre-market--Pre-market-After-hoursAfter-hours-Pre-marketAfter-hoursAfter-hours--Pre-market-Pre-market--Pre-market--Pre-marketPre-marketPre-marketPre-marketPre-marketAfter-hoursPre-marketPre-marketAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hoursPre-marketPre-marketPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hoursPre-marketAfter-hoursPre-marketPre-marketPre-marketPre-marketAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hoursPre-marketPre-marketAfter-hoursPre-marketPre-marketPre-market

Key Statistics & Ratios

Market Cap39.40B
Enterprise Value41.02B
Trailing P/E16.22
Forward P/E16.58
PEG Ratio0.36
Price / Sales2.58
Price / Book4.77
EPS29.51
Book Value88.44
Revenue (TTM)15.24B
Gross Profit (TTM)5.25B
EBITDA3.59B
Profit Margin16.26%
Operating Margin26.79%
Return on Equity33.46%
Return on Assets7.49%
Shares Outstanding82.31M
Shares Float75.42M
Beta0.37
Dividend Yield4.16%
Dividend Rate20.00
Payout Ratio74.58%

Dividends

20264×
5.00Oct 27, 20263.00Jul 14, 20268.00Apr 28, 20266.00Feb 3, 2026
20254×
3.00Oct 28, 20252.00Jul 16, 20253.00Apr 30, 20254.00Feb 6, 2025
20243×
2.00Jul 17, 20242.00May 2, 20245.00Feb 7, 2024
20233×
2.00Jul 13, 20232.00May 3, 20236.00Feb 8, 2023
20223×
1.50May 4, 20227.00Apr 8, 20223.00Feb 9, 2022
20214×
1.67Nov 3, 20211.67Jul 14, 20211.67May 4, 20213.00Apr 9, 2021
20171×
2.25Apr 21, 2017
20161×
2.25Apr 22, 2016
20151×
2.00Apr 24, 2015