Protector Forsikring ASA (PSKRF) Stock Analysis
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Protector Forsikring ASA (PSKRF) trades at $53.00. Protector Forsikring ASA is a Norwegian general insurance company operating across Scandinavia and the UK. Market cap: $4.36B, Sector: Financial services.
Price as of Aug 21, 2026 · Last analyzed: Mar 17, 2026Analyst Coverage for PSKRF: PSKRF does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates PSKRF against Financial Services peers across nine fundamental dimensions and assigns an underweight signal based on the underlying data.
PSKRF: the 3 scored disciplines are evenly split. Dominant signal: Ray Dalio bullish.
How is this calculated? →Protector Forsikring ASA (PSKRF) Financial Services Profile
Protector Forsikring ASA is a general insurance provider in Scandinavia and the UK, focusing on commercial and public sectors, with a strong broker network and a diversified product portfolio including property, liability, and motor insurance, distinguishing itself through specialized affinity insurance offerings and a consistent dividend yield.
What Is the Investment Thesis for PSKRF?
Protector Forsikring ASA presents a compelling investment case based on its established market presence, diversified product portfolio, and consistent profitability. With a market capitalization of $4.36B and a P/E ratio of 16.78, the company demonstrates financial stability. A gross margin of 74.0% and a profit margin of 17.4% highlight efficient operations. The dividend yield of 3.40% offers an attractive income stream for investors. Growth catalysts include expansion within the affinity insurance market and strategic partnerships in the UK. Potential risks include increased competition and regulatory changes in the insurance sector. The company's low beta of 0.33 suggests lower volatility compared to the broader market.
Based on FMP financials and quantitative analysis
PSKRF Key Highlights
Market capitalization of $4.36B indicates a strong market valuation.
- P/E ratio of 16.78 suggests reasonable valuation compared to earnings.
- Profit margin of 17.4% demonstrates efficient profitability.
- Gross margin of 74.0% reflects effective cost management.
- Dividend yield of 3.40% provides an attractive income stream for investors.
Who Are PSKRF's Competitors?
PSKRF is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| AELIY Anadolu Hayat Emeklilik Anonim Sirketi | $8.22 | +0.00% | $884M | 59 |
| CBGPF Close Brothers Group plc | $7.20 | +0.00% | $1.09B | 50 |
| FMBL Farmers & Merchants Bank of Long Beach | $9800.00 | +0.00% | $1.18B | 58 |
| GKSGF Grenke AG | $17.27 | +0.00% | $763M | 53 |
| HACBY The Hachijuni Bank, Ltd. | $32.27 | +0.00% | $7.35B | 56 |
| RDN Radian Group Inc. | $36.66 | +0.83% | $4.87B | 90 |
| NMIH NMI Holdings, Inc. | $45.67 | +0.01% | $3.47B | 99 |
| RYAN Ryan Specialty Group Holdings, Inc. | $43.04 | +1.97% | $5.57B | 72 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are PSKRF's Key Strengths?
Strong market position in Scandinavia and the UK
- Diversified product portfolio across commercial, public, and affinity sectors
- Established broker network for efficient distribution
- Consistent profitability and dividend yield
What Are PSKRF's Weaknesses?
Reliance on broker network may limit direct customer interaction
- Exposure to regulatory changes in multiple jurisdictions
- Competition from larger, more diversified insurance groups
- Potential impact from economic downturns on insurance demand
What Could Drive PSKRF Stock Higher?
Expansion in the UK market through strategic partnerships.
- Development and launch of new affinity insurance products.
- Implementation of advanced data analytics for risk assessment.
- Integration of ESG factors into insurance products and underwriting.
- Potential acquisitions to expand geographical reach.
What Are the Key Risks for PSKRF?
Financial-distress signal — its Altman Z-Score of 1.81 sits in the distress zone (elevated bankruptcy risk).
- Increased competition from larger insurance groups.
- Regulatory changes impacting pricing and underwriting standards.
- Economic downturns reducing demand for insurance products.
- Cybersecurity threats and data breaches compromising customer data.
- Fluctuations in interest rates affecting investment income.
What Are the Growth Opportunities for PSKRF?
- Expansion in the UK Market: Protector Forsikring has the opportunity to further penetrate the UK insurance market. By leveraging its existing partnerships and broker network, the company can increase its market share in commercial and public sector insurance. The UK insurance market is substantial, with significant potential for growth in specialized insurance products. Timeline: Ongoing, with continuous efforts to strengthen UK operations.
- Development of Affinity Insurance Products: Focusing on developing and expanding its affinity insurance offerings can drive growth. Affinity insurance, tailored to specific groups or organizations, provides a niche market with less competition. This strategy allows Protector Forsikring to create customized products and build long-term relationships. Market size: Growing demand for specialized insurance solutions. Timeline: Ongoing, with continuous product development.
- Digitalization and Data Analytics: Investing in digital platforms and data analytics can enhance operational efficiency and customer experience. By leveraging data, Protector Forsikring can improve risk assessment, pricing, and claims management. This will lead to better underwriting and more competitive offerings. Market size: Increasing adoption of digital technologies in the insurance industry. Timeline: Ongoing, with continuous investment in technology.
- Strategic Partnerships and Acquisitions: Pursuing strategic partnerships and acquisitions can expand Protector Forsikring's geographical reach and product portfolio. Collaborating with other insurance providers or acquiring complementary businesses can accelerate growth and diversify revenue streams. Market size: Consolidation trends in the insurance industry. Timeline: Opportunistic, with potential deals in the medium term.
- Focus on Sustainable Insurance Practices: Integrating environmental, social, and governance (ESG) factors into insurance products and underwriting processes can attract socially conscious customers and investors. By offering sustainable insurance solutions, Protector Forsikring can differentiate itself and tap into a growing market segment. Market size: Increasing demand for sustainable and responsible investments. Timeline: Ongoing, with continuous integration of ESG factors.
What Are PSKRF's Competitive Advantages?
- Established broker network provides a strong distribution channel.
- Specialized affinity insurance offerings create a niche market.
- Geographical diversification across Scandinavia and the UK reduces risk.
- Strong brand reputation and customer relationships enhance loyalty.
What Does PSKRF Do?
Founded in 2003 and headquartered in Oslo, Norway, Protector Forsikring ASA has established itself as a prominent player in the general insurance market. The company provides a diverse suite of insurance products, catering to the commercial and public sectors, as well as the affinity insurance markets. Its geographical footprint spans Norway, Denmark, Sweden, the United Kingdom, and Finland. Protector Forsikring operates through two primary segments: Commercial Lines of Business and Public Lines of Business. These segments offer a comprehensive range of insurance solutions, including personal, motor, property, liability, and change of ownership insurance. The company distributes its products primarily through insurance brokers, focusing on non-marine industries. This broker-centric model allows Protector Forsikring to maintain a strong market presence and efficient distribution network across its operating regions. Protector Forsikring's commitment to specialized insurance solutions and strategic partnerships has fueled its growth and solidified its position in the competitive insurance landscape.
What Products and Services Does PSKRF Offer?
- Provides general insurance products.
- Serves commercial and public sectors.
- Offers affinity insurance solutions.
- Operates in Norway, Denmark, Sweden, the UK, and Finland.
- Distributes products through insurance brokers.
- Offers personal, motor, property, and liability insurance.
- Provides change of ownership insurance.
How Does PSKRF Make Money?
- Generates revenue through insurance premiums.
- Underwrites insurance policies for various risks.
- Manages risk and claims through actuarial analysis.
- Distributes products through a network of insurance brokers.
What Industry Does PSKRF Operate In?
Protector Forsikring ASA operates within the competitive specialty insurance industry. The market is characterized by increasing demand for tailored insurance solutions, particularly in the commercial and public sectors. Key trends include digitalization, data analytics, and personalized insurance offerings. Competitors such as AELIY, CBGPF, FMBL, GKSGF, and HACBY vie for market share. Protector Forsikring's focus on broker relationships and specialized affinity insurance positions it favorably in this evolving landscape. The industry is also subject to regulatory changes and economic fluctuations, impacting pricing and profitability.
Who Are PSKRF's Key Customers?
- Commercial businesses seeking property and liability insurance.
- Public sector entities requiring comprehensive insurance coverage.
- Individuals seeking personal and motor insurance.
- Affinity groups and organizations needing tailored insurance solutions.
Company Profile
Protector Forsikring ASA operates in the Insurance - Specialty industry within the Financial Services sector. It is headquartered in Oslo, NO. The company is led by CEO Henrik Wold-Golfetto Hoye. PSKRF has traded publicly since 2017.
How Protector Forsikring ASA Is Valued
Protector Forsikring ASA carries a market capitalization of $4.36B, placing it in the mid-cap category.
Key Financial Metrics
Return on equity for Protector Forsikring ASA stands at 29.4%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 7.2%, showing how much profit it generates from its asset base. PSKRF trades at a trailing price-to-earnings ratio of 19.08, roughly in line with the Financial Services sector average of ~18x. Its free cash flow yield is 3.0%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.26 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 5.2%, the inverse of the P/E and a quick read on earnings relative to price.
Financial Health
Protector Forsikring ASA's Piotroski F-Score is 6/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of 1.81 places it in the distress zone, a signal of elevated financial risk.
Forward Outlook
Wall Street analysts project Protector Forsikring ASA revenue of about $16.34B for fiscal 2026, with EPS near $26.71. The estimate reflects 3 contributing analysts.
PSKRF Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Strong market position in Scandinavia and the UK
- Diversified product portfolio across commercial, public, and affinity sectors
- Established broker network for efficient distribution
- Consistent profitability and dividend yield
Bear Case
- Reliance on broker network may limit direct customer interaction
- Exposure to regulatory changes in multiple jurisdictions
- Competition from larger, more diversified insurance groups
- Potential impact from economic downturns on insurance demand
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · August 2026
PSKRF Latest News
No recent news available for PSKRF.
PSKRF Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for PSKRF.
Price Targets
Wall Street price target analysis for PSKRF.
PSKRF MoonshotScore
What does this score mean?
The MoonshotScore rates PSKRF 0-100 on quantitative fundamentals — growth, financial health, valuation, momentum, and risk.
Leadership: Henrik Wold-Golfetto Hoye
CEO
Henrik Wold-Golfetto Hoye serves as the CEO of Protector Forsikring ASA, leading a team of 526 employees. His background includes extensive experience in the financial services and insurance industries. Prior to joining Protector Forsikring, he held various leadership positions in prominent insurance companies, focusing on strategic development, risk management, and operational efficiency. He holds a degree in economics and has completed executive education programs in leadership and finance.
Track Record: Under Henrik Wold-Golfetto Hoye's leadership, Protector Forsikring has maintained a strong market position and consistent profitability. Key achievements include expanding the company's presence in the UK market and developing innovative affinity insurance products. He has also overseen the implementation of digital technologies to enhance operational efficiency and customer experience. His strategic decisions have contributed to the company's growth and stability.
PSKRF OTC Market Information
The OTC Other tier represents the lowest tier of over-the-counter (OTC) markets. Companies in this tier often have limited financial disclosure and may not meet the minimum listing requirements of higher tiers like OTCQX or OTCQB. Unlike stocks listed on major exchanges like the NYSE or NASDAQ, companies on the OTC Other tier face fewer regulatory requirements, leading to increased risk and potential for speculative trading. Investors should exercise caution and conduct thorough due diligence before investing in OTC Other stocks.
- OTC Tier: OTC Other
- Limited financial disclosure increases information asymmetry.
- Lower liquidity can lead to price volatility and trading difficulties.
- Lack of regulatory oversight increases the risk of fraud or mismanagement.
- Potential for delisting or trading suspension due to non-compliance.
- Increased risk of speculative trading and market manipulation.
- Verify the company's financial statements and disclosures.
- Research the company's management team and their track record.
- Assess the company's business model and competitive landscape.
- Review any available news articles or press releases about the company.
- Consult with a financial advisor before investing.
- Understand the risks associated with OTC trading.
- Check for any regulatory actions or legal proceedings against the company.
- Established business operations in Scandinavia and the UK.
- Audited financial statements (if available).
- Presence of a recognized management team.
- Positive news coverage or industry recognition.
- Consistent dividend payments.
PSKRF Financial Services Stock FAQ
What does Protector Forsikring ASA do?
Protector Forsikring ASA is a general insurance company that provides a range of insurance products to commercial, public sector, and affinity insurance markets. Operating in Norway, Denmark, Sweden, the United Kingdom, and Finland, the company offers personal, motor, property, liability, and change of ownership insurance. It distributes its products through insurance brokers, focusing on non-marine industries.
What are the main risks for PSKRF?
Protector Forsikring ASA faces several risks, including increased competition from larger insurance groups, regulatory changes impacting pricing and underwriting standards, and economic downturns reducing demand for insurance products. Cybersecurity threats and data breaches also pose a significant risk, potentially compromising customer data and damaging the company's reputation. Fluctuations in interest rates can affect investment income and overall profitability.
What are the key factors to evaluate for PSKRF?
Evaluate PSKRF on fundamentals, analyst consensus, and risk factors. Protector Forsikring ASA presents a compelling investment case based on its established market presence, diversified product portfolio, and consistent profitability. Not financial advice.
How frequently does PSKRF data refresh on this page?
PSKRF's price was last updated on Aug 21, 2026 and refreshes on page view during U.S. market hours — it is not a real-time exchange feed. Fundamentals update after quarterly filings; the MoonshotScore recalculates nightly; news aggregates continuously.
What has driven PSKRF's recent stock price performance?
Protector Forsikring ASA (PSKRF) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong market position in Scandinavia and the UK. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider PSKRF overvalued or undervalued right now?
Protector Forsikring ASA (PSKRF) has no trailing P/E available here, so lean on price-to-sales and cash flow in the Financials tab. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
How do I research PSKRF before investing?
Before investing in Protector Forsikring ASA (PSKRF), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) analyst consensus ratings and price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Why might investors consider adding PSKRF to a portfolio?
Key strength of Protector Forsikring ASA (PSKRF): Strong market position in Scandinavia and the UK. Weigh rewards against risks and diversify. Not financial advice.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- OTC market data may be less reliable than exchange-listed data.
- AI analysis is pending and will provide further insights.