The earnings call presented a mixed picture with strong profitability and promising AI-driven efficiency gains, but also highlighted challenges in growth, investment results, and market conditions in the U.K. Overall, there is optimism about future market opportunities, especially with AI and new market entries.
Company Guidance
During the call, Henrik Høye highlighted Protector's focus on AI integration, emphasizing its role in improving data utilization, which is considered one of the company's two main targets for 2025. The application of AI has notably increased the quote rate in the U.K. from 38% to 44% by streamlining the preunderwriting process. Despite reporting a strong profitability in Q3 2025, the company noted a weak growth, attributing it to a softening property market in the U.K. and technical adjustments in volume inceptions. Large losses were primarily from property in the U.K., Sweden, and Norway, and there was a notable runoff gain. The cost ratio increased slightly due to investments in AI and development opportunities, reflecting in the company's cost ratio. The solvency position remains strong, with strategic capital management adjustments, including moving equity home to Norway, optimizing the bond portfolio's yield.
AI Efficiency Gains
Protector has developed AI functionalities that significantly improve efficiency, reducing tasks like reading health documentation from hours to minutes and increasing quote rates in the U.K. from 38% to 44%.
Strong Profitability
Quarter 3 results show strong profitability despite weak growth, indicating effective cost management and underwriting discipline.
New Market Opportunities
Protector is entering the U.K. real estate market and has achieved its first client earlier than expected, indicating potential for significant future growth.
Capital Position
The company's capital position remains strong, providing a buffer against geopolitical uncertainties and potential future growth.
Protector Forsikring ASA (PSKRF) Earnings, Revenues Date & History
The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
PSKRF Earnings-Related Price Changes
Report Date
Price 1 Day Before
Price 1 Day After
Percentage Change
Oct 23, 2025
$9.20
$9.20
0.00%
Jul 10, 2025
$9.01
$9.01
0.00%
Apr 23, 2025
$8.74
$8.74
0.00%
Jan 29, 2025
$8.41
$8.41
0.00%
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does Protector Forsikring ASA (PSKRF) report earnings?
Protector Forsikring ASA (PSKRF) is schdueled to report earning on Feb 04, 2026, TBA (Confirmed).
What is Protector Forsikring ASA (PSKRF) earnings time?
Protector Forsikring ASA (PSKRF) earnings time is at Feb 04, 2026, TBA (Confirmed).
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.