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Freedom Holding FRHC Allowance for credit losses

Allowance for credit losses at other companies

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Cullen/Frost BankersCFR
$286.22M+3.9%
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$277.72M-0.3%
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$198.61M+18.9%
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Prosperity BancsharesPB
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Charles Schwab CorporationSCHW

Other financials

Income statement

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Revenue$503.1M+68.6%
Gross profit$477.9M+67.1%
Net income$8.0M
EPS (diluted)$0.13

Balance sheet

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Cash & equivalents$966.1M-41.3%
Total debt$48.8M+20.5%
Total equity$1.5B+21.6%
Total assets$13.2B+32.7%

Cash flow

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Operating cash flow$717.8M
CapEx$23.0M-15.8%
Free cash flow-$1.6B-220%

Valuation

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Market cap$8.81B+10.6%
Enterprise value$7.89B+24.0%
P/E57.4×
P/S0.0×

Profitability

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Gross margin96.4%-2.1pp
Operating margin-28%
Net margin7%
FCF margin-0.6%

Returns & leverage

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Return on equity11.3%
Debt / equity0.0×
Current ratio

Where this comes from

Reported directly by Freedom Holding in its filing.

Tagged under the XBRL concept us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest.

The official record: Freedom Holding’s 10-Q, filed February 9, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Freedom Holding's allowance for credit losses?
Freedom Holding (FRHC) reported allowance for credit losses of $72.67M in Q4 2025.
How has Freedom Holding's allowance for credit losses changed year-over-year?
Freedom Holding's allowance for credit losses increased by 28.4% year-over-year, from $56.6M to $72.67M.
What is the long-term trend for Freedom Holding's allowance for credit losses?
Over 3 years (2022 to 2025), Freedom Holding's allowance for credit losses has grown at a 258.6% compound annual growth rate (CAGR), from $1.63M to $75.12M.
What does allowance for credit losses mean?
Reserve held against the loan portfolio for estimated future credit losses under the CECL methodology — a contra-asset reducing net loans.