Protector Forsikring ASA (OSL:PROT)

Gross Premiums Written by Geography

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

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017	FY 2016	FY 2015	FY 2014	FY 2013	FY 2012
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019	Dec 31, 2018	Dec 31, 2017	Dec 31, 2016	Dec 31, 2015	Dec 31, 2014	Dec 31, 2013	Dec 31, 2012
UK - Gross Written Premium	6.01B	5.95B	5.46B
UK - Gross Written Premium Growth	1.04%	8.96%	26.29%
Sweden - Gross Written Premium	3.29B	3.21B	2.90B
Sweden - Gross Written Premium Growth	2.34%	10.91%	5.12%
Norway - Gross Written Premium	2.99B	2.69B	2.36B
Norway - Gross Written Premium Growth	11.32%	14.01%	21.33%
Denmark - Gross Written Premium	2.00B	1.87B	1.63B
Denmark - Gross Written Premium Growth	7.12%	14.81%	15.64%
France - Gross Written Premium	921.00M	426.00M	-
France - Gross Written Premium Growth	116.20%	-	-

Revenue by Geography

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

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017	FY 2016	FY 2015	FY 2014	FY 2013	FY 2012
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019	Dec 31, 2018	Dec 31, 2017	Dec 31, 2016	Dec 31, 2015	Dec 31, 2014	Dec 31, 2013	Dec 31, 2012
UK - Insurance Revenue	5.90B	5.83B	5.05B
UK - Insurance Revenue Growth	1.17%	15.55%	44.06%
Sweden - Insurance Revenue	3.21B	3.15B	2.87B
Sweden - Insurance Revenue Growth	1.94%	9.80%	7.62%
Norway - Insurance Revenue	2.72B	2.60B	2.27B
Norway - Insurance Revenue Growth	4.69%	14.59%	20.50%
Denmark- Insurance Revenue	1.87B	1.82B	1.60B
Denmark- Insurance Revenue Growth	2.42%	13.88%	19.76%
France - Insurance Revenue	502.00M	354.00M	-
France - Insurance Revenue Growth	41.81%	-	-
Revenue (Other)	1.09B	2.01B	1.14B
Revenue (Total)	15.29B	15.77B	12.93B
Revenue (Total) Growth	-3.01%	21.98%	19.93%

Adjusted EBIT by Geography

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

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017	FY 2016	FY 2015	FY 2014	FY 2013	FY 2012
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019	Dec 31, 2018	Dec 31, 2017	Dec 31, 2016	Dec 31, 2015	Dec 31, 2014	Dec 31, 2013	Dec 31, 2012
UK - Insurance Service Result	1.26B	1.21B	960.00M
UK - Insurance Service Result Growth	4.38%	26.04%	55.26%
Sweden - Insurance Service Result	486.00M	448.00M	417.00M
Sweden - Insurance Service Result Growth	8.48%	7.43%	81.30%
Norway - Insurance Service Result	276.00M	280.00M	308.00M
Norway - Insurance Service Result Growth	-1.43%	-9.09%	457.97%
Denmark- Insurance Service Result	200.00M	245.00M	-282.00M
Denmark- Insurance Service Result Growth	-18.37%	-	-
Operating Income (Other)	761.00M	1.57B	896.00M
Operating Income (Total)	2.97B	3.75B	2.30B
Operating Income (Total) Growth	-20.99%	63.29%	-0.78%

Key Performance Indicators

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

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017	FY 2016	FY 2015	FY 2014	FY 2013	FY 2012
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019	Dec 31, 2018	Dec 31, 2017	Dec 31, 2016	Dec 31, 2015	Dec 31, 2014	Dec 31, 2013	Dec 31, 2012
Protector Forsikring ASA - Loss Ratio, Net of Reinsurance	73.60%	77.50%
Protector Forsikring ASA - Cost Ratio	11.10%	10.60%
Protector Forsikring ASA - Combined Ratio	84.70%	88.10%
Protector Forsikring ASA - Retention Rate	94.20%	94.50%

Updated Apr 22, 2026. Data Source: Fiscal.ai.