Oslo Pensjonsforsikring AS
Score · fiscal year 2025
32of 100
How to read this: the company is ahead of 0 % of companies in the Morning class Large in the same sector in 2025. What does this mean?
Rank in the Morning class Large: 26 of 26 · What are Morning company classes?
Place in the whole sector: 319 of 373 · Finans og forsikring
Profile
Beaver · Builder
Lower profitability, lower solidity
Position against comparable companies in 2025, not a verdict on the company. Based on profitability 6 and solidity 4 out of 100 among companies in the Morning class Large in the same sector in 2025. Methodology
Against the sector
Oslo Pensjonsforsikring AS is 14 points below the median for companies in the Morning class Large in the same sector in 2025.
Median score 46 among 26 companies.
Against companies in the Morning class Large in the same sector in 2025: operating margin 2.5% (median 24.1%) and equity ratio 9.2% (median 38.1%).
The numbers behind the score
| Measure | Company | Median |
|---|---|---|
| Operating revenue | 18,802 MNOK | 1,059 MNOK |
| Operating margin | 2.5% | 24.1% |
| Profit margin | 7.0% | 26.4% |
| Return on assets | 0.8% | 23.1% |
| Equity ratio | 9.2% | 38.1% |
| Debt-to-equity | 9.81 | 1.63 |
| Current ratio | 5.09 | 1.64 |
| Revenue growth | 9.9% | 14.4% |
| Revenue per employee | 151.63 MNOK | 11.50 MNOK |
The median and “ahead of” refer to companies in the Morning class Large in the same sector in 2025. The bar shows the share of companies the figure is ahead of.
With an index of 32, Oslo Pensjonsforsikring AS does better than 0% of companies in the Morning class Large in the same sector (26 companies) in 2025.
Score 2023–2025
- Oslo Pensjonsforsikring AS
- Median: companies in the Morning class Large in the same sector
Oslo Pensjonsforsikring AS has a score of 32 for 2025, rank 319 of 373 in the sector.
Strongest: Liquidity: percentile 88 against peers, current ratio 5.09 against a median of 1.64. Consistency: percentile 64 against peers.
Weakest: Solidity: percentile 4 against peers, equity ratio 9.2% against a median of 38.1%. Profitability: percentile 6 against peers, operating margin 2.5% against a median of 24.1%.
Worth a closer look
- The equity ratio is very low. Could the company absorb a bad year, and does it need more equity? Based on: equity ratio 9.2% (median 38.1%).
- The operating margin is lower than at three in four companies in the sector. Where do costs differ from competitors? Based on: operating margin 2.5% (median 24.1%).
- What lies behind weak solidity, and will it last?
- What lies behind weak profitability, and will it last?
Written by fixed rules from the figures. Describes the figures, does not explain causes. Not investment or financial advice. How the summary is made
What the numbers say
Oslo Pensjonsforsikring AS had an operating margin of 2.5% and an equity ratio of 9.2% in 2025, and ranks 319 of 373 in Finans og forsikring.
No large changes in the key figures from 2024 to 2025.
This text is generated automatically from the 2025 accounts.
Three simple methods
The methods give between 10,760 MNOK and 14,469 MNOK.
| Method | Multiple | Estimate |
|---|---|---|
| P/E | 10.0 | 10,760 MNOK |
| EV/EBIT | 8.0 | debt above value |
| P/B | 1.0 | 14,469 MNOK |
A mechanical estimate from public accounts, not advice. Mechanical estimate from public accounts with fixed multiples. Not a valuation and not advice to buy or sell. The multiples are provisional default values and must be adjusted per sector before the figures are used for anything. See the calculation
Worth a closer look
- watch
The equity ratio is very low. Could the company absorb a bad year, and does it need more equity?
Based on: Equity ratio 9.2% (median 38.1%).
- watch
The operating margin is lower than at three in four companies in the sector. Where do costs differ from competitors?
Based on: Operating margin 2.5% (median 24.1%).
Indications based on the latest annual accounts from open data. Not investment or financial advice.
See interest rates, prices and exchange rates for the sector
Data quality
No anomalies found in the figures.
Scenario analysis: the sector's weakest year
We have no accounts for 2026, the sector's weakest year, for this company.
The sector's weakest year was 2026, with a median operating margin of −13.5%. Based on the 6 fiscal years we have. The analysis grows as more years are fetched or imported. Methodology
What the score is made of
| Profitability | 6 | weight 30% |
|---|---|---|
| Solidity | 4 | weight 25% |
| Liquidity | 88 | weight 15% |
| Growth | 40 | weight 15% |
| Consistency | 64 | weight 15% |
Durability: 27 (average over 3 years)
Index version 2. Data completeness 100%: the share of the weights that had data.
Questions and answers
How profitable is Oslo Pensjonsforsikring AS?
The operating margin was 2.5% in 2025, against a median of 24.1% among companies in the Morning class Large in the same sector. Return on assets was 0.8%.
How solid is Oslo Pensjonsforsikring AS?
The equity ratio was 9.2% in 2025 (median 38.1%). Debt-to-equity was 9.81 (median 1.63).
What is the liquidity of Oslo Pensjonsforsikring AS like?
The current ratio was 5.09 in 2025 (median 1.64).
How does Oslo Pensjonsforsikring AS compare in Finans og forsikring?
Oslo Pensjonsforsikring AS ranks 319 of 373 in Finans og forsikring for 2025. Among companies in the Morning class Large it is number 26 of 26. Revenue changed by 9.9% from the year before.
Group accounts
The company is registered as part of a group, but we have no group accounts for it. Group accounts are filed by the parent company, and open data does not say which company that is.
Read the figures with care: a company in a group can look strong because of group contributions, or weak because dividends go up to the parent. The figures are indications, not the full picture.
We do not show the group structure, because open data does not say who owns whom.
From the Central Coordinating Register
- Org. no.
- 982759412
- Legal form
- AS · part of a group
- Sector
- Finans og forsikring (65.110)
- Morning company class
- Large
- Employees
- 124 registered 10 September 2026
- Founded
- 11 December 2000 25 years in operation
- Share capital
- 900.00 MNOK
- Business address
- St. Olavs plass 5, 0165 OSLO
- Municipality
- Oslo rank 63–220 of 357 in Norway
- Latest accounts filed
- 2025
- Website
- www.opf.no
- LEI
- 213800U66WTHE9PUOF91 renews 15 February 2027
Source: Central Coordinating Register, Brønnøysund Register Centre. The employee count is reported by the company and may be older than the accounts. See the company at the Brønnøysund Register Centre
Ownership and roles
Loading roles …
Source: Central Coordinating Register, fetched 31 October 2026. Only names are shown.
- Parent company
- Parent does not consolidate the company
Source: GLEIF (Global Legal Entity Identifier Foundation), fetched 30 October 2026. The parent is the one the company itself reported to GLEIF.
Owners and shareholdings will appear here once the shareholder data extract is in place.
Coming · not built yet
Error in the data?
Do you see an error in the figures or in how the company is mapped (sector, holding, group)? Let us know. Corrections require documentation.
Figures last fetched 31 October 2026.
Year by year · 2023–2025
| Key figure | 2023 | 2024 | 2025 | Trend |
|---|---|---|---|---|
| Index | 28 | 22 | 32 | |
| Rank | 279 | 323 | 319 | |
| Operating margin | 2.6% | 3.5% | 2.5% | |
| Return on assets | 0.7% | 0.9% | 0.8% | |
| Equity ratio | 9.0% | 9.1% | 9.2% | |
| Current ratio | 4.83 | 1.85 | 5.09 | |
| Revenue growth | – | 1.8% | 9.9% |
Accounts
From the Brønnøysund Register Centre, in the company's reporting currency (NOK).
| Key figure | 2023 | 2024 | 2025 |
|---|---|---|---|
| Operating revenue | 16,811.0 MNOK | 17,108.0 MNOK | 18,802.0 MNOK |
| Operating profit | 442.0 MNOK | 591.0 MNOK | 470.0 MNOK |
| Profit before tax | 962.0 MNOK | 1,369.0 MNOK | 1,317.0 MNOK |
| Net profit | 725.0 MNOK | 1,114.0 MNOK | 1,076.0 MNOK |
| Financial expenses | – | 9.0 MNOK | – |
| Total assets | 136,687.0 MNOK | 146,635.0 MNOK | 156,481.0 MNOK |
| Current assets | 5,671.0 MNOK | 5,757.0 MNOK | 7,584.0 MNOK |
| Equity | 12,281.0 MNOK | 13,395.0 MNOK | 14,469.0 MNOK |
| Retained earnings | 10,851.0 MNOK | 11,965.0 MNOK | 13,039.0 MNOK |
| Total liabilities | 124,406.0 MNOK | 133,240.0 MNOK | 142,012.0 MNOK |
| Current liabilities | 1,175.0 MNOK | 3,120.0 MNOK | 1,491.0 MNOK |
Source: Brønnøysund Register Centre (Register of Company Accounts), fetched 31 October 2026, accounts id 6662052.
Further
Similar companies
- Alfred Berg Kapitalforvaltning AS index 39, rank 280 · compare
- Sb1 Markets AS index 37, rank 290 · compare
- Clarksons Securities AS index 37, rank 291 · compare
- Abg Sundal Collier ASA index 34, rank 312 · compare
- Nord Pool AS index 33, rank 315 · compare