Protector Forsikring ASA Income Statement

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

Millions NOK. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	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	14,198	13,756	11,783	9,386	6,619	4,921
Investment Income	1,147	1,167	855	662	457.8	342.49
Net Gains on Investments	136	-182	824	736	156.3	620.6
Total Other Revenues	-190	1,025	-537	-7	-122.8	-11.12
Revenue	15,291	15,766	12,925	10,777	7,110	5,873
Revenue Growth (YoY)	12.03%	21.98%	19.93%	51.57%	21.07%	5.67%
Insurance Benefits & Claims	9,636	9,328	8,478	6,711	4,358	3,810
Policy Amortization Costs	2,358	2,321	1,901	1,595	1,561	230.96
Investment Expense	96	120	83	63	34.4	62.93
Other Operating Expenses	235	243	164	91	74	352.41
Operating Income	2,966	3,754	2,299	2,317	1,084	1,416
Interest Expense	-223	-315	-213	-384	607	-
Other Non-Operating Income (Expense)	-	-	-	-	20.1	-
Total Non-Operating Income (Expense)	-223	-315	-213	-384	627.1	-
Pretax Income	2,743	3,438	2,086	1,933	1,711	1,416
Provision for Income Taxes	696	791	513	439	341.4	251.66
Net Income	2,023	2,614	1,539	1,524	1,389	1,232
Minority Interest in Earnings	22	33	34	-	-	-
Earnings From Discontinued Operations	-	-	-	15	9.7	67.43
Net Income to Common	2,023	2,614	1,539	1,524	1,389	1,232
Net Income Growth	10.91%	69.85%	0.98%	9.74%	12.71%	14.77%
Shares Outstanding (Basic)	83	82	82	82	82	82
Shares Outstanding (Diluted)	83	82	82	82	82	82
Shares Change (YoY)	0.35%	-0.00%	0.02%	0.04%	0.04%	0.61%
EPS (Basic)	24.60	31.70	18.70	18.30	16.70	14.62
EPS (Diluted)	24.60	31.70	18.70	18.30	16.70	14.62
EPS Growth	10.81%	69.52%	2.19%	9.58%	14.23%	21.93%
Shares Outstanding	82.43	82.43	82.43	82.41	82.38	82.37
Free Cash Flow	1,386	-201	1,222	-44	-165.2	917.13
Free Cash Flow Per Share	16.79	-2.44	14.82	-0.53	-2.01	11.14
Dividends Per Share	19.000	14.000	-	-	-	7.000
Dividend Growth	35.71%	-	-	-	-	133.33%
Operating Margin	19.40%	23.81%	17.79%	21.50%	15.24%	24.12%
Profit Margin	13.37%	16.79%	12.17%	14.00%	19.39%	19.83%
FCF Margin	9.06%	-1.27%	9.45%	-0.41%	-2.32%	15.62%
EBITDA	2,966	3,754	2,299	2,317	1,084	1,416
EBIT	2,966	3,754	2,299	2,317	1,084	1,416
EBIT Margin	19.40%	23.81%	17.79%	21.50%	15.24%	24.12%
Effective Tax Rate	25.37%	23.01%	24.59%	22.71%	19.96%	17.77%

Updated Apr 22, 2026. Data Source: Fiscal.ai. Insurance template. Financial Sources.