What is Freedom Holding's accident insurance — 3?

Freedom Holding (FRHC) reported accident insurance — 3 of 2.2% in Q1 2026.

What does accident insurance — 3 mean?

This metric represents the loss ratio for the accident insurance segment, calculated as net incurred losses and LAE divided by net earned premiums. It is the most critical measure of underwriting efficiency and the profitability of the insurance products offered. A lower ratio indicates that the company is effectively pricing its risk and managing claims.

Freedom Holding FRHC Accident Insurance — 3

Other product segments

Property Damage

30%-8.0%

Civil Liability

11%+96.4%

Motor Vehicle

4%-20.0%

Compulsory employer liability insurance

2%-66.7%

Vehicle Owners

2%-4.8%

Similar metrics at other companies

AXSInsurance — Current accident year loss ratio (as a percent)

57.5%+0.5pp

AXSInsurance — Loss Ratio

56.1%+0.5pp

ACGLInsurance — Loss ratio

60.2%-5.8pp

AFLAccident — Interest Expense

$7M0.0%

ALLAccident and health insurance — Net income (loss)

$25.5M+67.2%

CBBenefits, Losses and Expenses

$11.78B+0.8%

Other financials

Income statement

See full

Revenue$503.1M+68.6%

Gross profit$477.9M+67.1%

Net income$8.0M—

EPS (diluted)$0.13—

Balance sheet

See full

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

See full

Market cap$8.81B+10.6%

Enterprise value$7.89B+24.0%

P/E57.4×—

P/S4×0.0×

Profitability

See full

Gross margin96.4%-2.1pp

Operating margin-28%—

Net margin7%—

FCF margin-0.6%—

Returns & leverage

See full

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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearThree.

The official record: Freedom Holding’s 10-K, filed June 1, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Freedom Holding's accident insurance — 3?: Freedom Holding (FRHC) reported accident insurance — 3 of 2.2% in Q1 2026.
What does accident insurance — 3 mean?: This metric represents the loss ratio for the accident insurance segment, calculated as net incurred losses and LAE divided by net earned premiums. It is the most critical measure of underwriting efficiency and the profitability of the insurance products offered. A lower ratio indicates that the company is effectively pricing its risk and managing claims.