What is Freedom Holding's accident insurance — 4?

Freedom Holding (FRHC) reported accident insurance — 4 of 2.3% in Q1 2026.

What does accident insurance — 4 mean?

This metric tracks the expense ratio for the accident insurance segment, measuring the operational costs of underwriting, such as commissions, administrative expenses, and overhead, relative to net earned premiums. It reflects the efficiency of the company's distribution and operational infrastructure. When combined with the loss ratio, it provides the combined ratio, which determines overall segment profitability.

Freedom Holding FRHC Accident Insurance — 4

Other product segments

Life Insurance

204.9%+208%

Property Damage

22%-22.3%

Civil Liability

4%-81.2%

Motor Vehicle

3%-28.6%

Compulsory employer liability insurance

1.5%-70.6%

Vehicle Owners

1%-37.5%

Similar metrics at other companies

AFLAccident — Interest Expense

$7M0.0%

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

57.5%+0.5pp

ACGLInsurance — Acquisition expense ratio

20%+1.5pp

METAccident & health insurance — Interest Expense (2)

$62M+1.6%

AXSInsurance — Acquisition cost ratio (as a percent)

19.6%+0.4pp

ACGLInsurance — Acquisition expenses

$375M+9.3%

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

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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/S4×0.0×

Profitability

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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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearFour.

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

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What is Freedom Holding's accident insurance — 4?: Freedom Holding (FRHC) reported accident insurance — 4 of 2.3% in Q1 2026.
What does accident insurance — 4 mean?: This metric tracks the expense ratio for the accident insurance segment, measuring the operational costs of underwriting, such as commissions, administrative expenses, and overhead, relative to net earned premiums. It reflects the efficiency of the company's distribution and operational infrastructure. When combined with the loss ratio, it provides the combined ratio, which determines overall segment profitability.