What is Freedom Holding's accident insurance — 2?

Freedom Holding (FRHC) reported accident insurance — 2 of 41.3% in Q1 2026.

What does accident insurance — 2 mean?

This metric tracks the net earned premiums for the accident insurance segment, representing the portion of premiums that the company has actually earned by providing coverage during the period. It is the primary revenue figure used to calculate underwriting profitability ratios. It excludes premiums ceded to reinsurers and unearned portions of policies.

Freedom Holding (FRHC) Accident Insurance — 2

Screener

Other product segments

Civil Liability

36%+21.6%

Life Insurance

32.1%+278%

Vehicle Owners

29%-0.7%

Motor Vehicle

24%-5.1%

Property Damage

22%+127%

Compulsory employer liability insurance

19.1%+46.9%

Similar metrics at other companies

WTMProperty and Accident & Health — 2

31.9%-0.9pp

WTMSpecialty — 2

26.8%-4.0pp

HIPOCasualty Lines — 2

46%—

HIPOProperty Lines — 2

27%—

HGBermuda - Casualty — 2

7%-1.0pp

HGBermuda - Property — 2

40%-2.0pp

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$9.52B-18.2%

Enterprise value$8.6B-14.1%

P/E62.1×—

P/S4.3×-1.2×

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 / equity0×0.0×

Current ratio1×—

Where this comes from

Reported directly by Freedom Holding in its filing.

Tagged under the XBRL concept us-gaap:ShortdurationInsuranceContractsHistoricalClaimsDurationYearTwo.

The source filing: Freedom Holding’s 10-K, filed June 1, 2026.

Filed: Jun 1, 2026, 4:21 PM EDT
Fiscal year: FY2026
Accession: 0000924805-26-000012


Years	1	2	3	4	5	6	7	8	9
Average annual percentage payout	37.2%	41.3%	2.2%	2.3%	18.6%	0.3%	(1.9)%	—%	—%

ITEM 8. FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA

FAQ

What is Freedom Holding's accident insurance — 2?: Freedom Holding (FRHC) reported accident insurance — 2 of 41.3% in Q1 2026.
What does accident insurance — 2 mean?: This metric tracks the net earned premiums for the accident insurance segment, representing the portion of premiums that the company has actually earned by providing coverage during the period. It is the primary revenue figure used to calculate underwriting profitability ratios. It excludes premiums ceded to reinsurers and unearned portions of policies.