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

Screener

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

WTMProperty and Accident & Health — 3

18.4%+0.1pp

WTMSpecialty — 3

13.2%+2.3pp

HIPOCasualty Lines — 3

15%—

HIPOProperty Lines — 3

4%—

HGBermuda - Casualty — 3

12%+1.0pp

HGBermuda - Property — 3

13%0.0pp

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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearThree.

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 — 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.