Protector Forsikring ASA Income Statement

Financials in millions NOK. Fiscal year is January - December.

Millions NOK. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Net Premiums Earned	13,756	11,783	9,386	6,619	4,921
Investment Income	1,167	855	662	457.8	342.49
Net Gains on Investments	-182	824	736	156.3	620.6
Total Other Revenues	1,025	-537	-7	-122.8	-11.12
Revenue	15,766	12,925	10,777	7,110	5,873
Revenue Growth (YoY)	21.98%	19.93%	51.57%	21.07%	5.67%
Insurance Benefits & Claims	9,328	8,478	6,711	4,358	8,937
Policy Amortization Costs	2,321	1,901	1,595	1,561	230.96
Investment Expense	120	83	63	34.4	62.93
Other Operating Expenses	243	164	91	74	352.41
Operating Income	3,754	2,299	2,317	1,084	-3,710
Interest Expense	-315	-213	-384	607	-
Other Non-Operating Income (Expense)	-	-	-	-124	-
Total Non-Operating Income (Expense)	-315	-213	-384	483	-
Pretax Income	3,438	2,086	1,933	1,711	1,416
Provision for Income Taxes	791	513	439	341.4	251.66
Net Income	2,613	1,539	1,524	1,389	1,232
Minority Interest in Earnings	33	34	-	-	-
Earnings From Discontinued Operations	-	-	15	9.7	67.43
Net Income to Common	2,613	1,539	1,524	1,389	1,232
Net Income Growth	69.79%	0.98%	9.74%	12.71%	14.77%
Shares Outstanding (Basic)	82	82	82	82	82
Shares Outstanding (Diluted)	82	82	82	82	82
Shares Change (YoY)	-0.00%	0.02%	0.04%	0.04%	0.61%
EPS (Basic)	31.70	18.70	18.30	16.70	14.62
EPS (Diluted)	31.70	18.70	18.30	16.70	14.62
EPS Growth	69.52%	2.19%	9.58%	14.23%	21.93%
Free Cash Flow	-201	1,222	-44	-165.2	917.13
Free Cash Flow Per Share	-	14.82	-0.53	-2.01	11.14
Dividends Per Share	14.000	-	-	-	7.000
Dividend Growth	-	-	-	-	133.33%
Operating Margin	23.81%	17.79%	21.50%	15.24%	-63.18%
Profit Margin	16.78%	12.17%	14.00%	19.39%	19.83%
FCF Margin	-1.27%	9.45%	-0.41%	-2.32%	15.62%
EBITDA	3,754	2,299	2,317	1,084	-3,710
EBIT	3,754	2,299	2,317	1,084	-3,710
EBIT Margin	23.81%	17.79%	21.50%	15.24%	-63.18%
Effective Tax Rate	23.01%	24.59%	22.71%	19.96%	17.77%

Updated Dec 31, 2025. Data Source: Fiscal.ai. Insurance template. Financial Sources.