What is Freedom Holding's accident insurance — 5?

Freedom Holding (FRHC) reported accident insurance — 5 of 18.6% in Q1 2026.

What does accident insurance — 5 mean?

Represents the net incurred claims or financial obligations associated with short-duration accident insurance contracts at the five-year development stage. This metric tracks the maturity of insurance liabilities and the accuracy of initial loss reserves as claims settle over time. It provides insight into the long-term underwriting profitability and reserve adequacy for the company's accident insurance product line.

Freedom Holding (FRHC) Accident Insurance — 5

Screener

Other product segments

Civil Liability

9%+165%

Property Damage

6%-14.3%

Compulsory employer liability insurance

5.8%+190%

Motor Vehicle

0%-100%

Vehicle Owners

0%-100%

Similar metrics at other companies

WTMProperty and Accident & Health — 5

2.9%+0.1pp

WTMSpecialty — 5

6.3%-1.0pp

HIPOCasualty Lines — 5

4%—

HIPOProperty Lines — 5

3%—

HGBermuda - Casualty — 5

11%-1.0pp

HGBermuda - Property — 5

1%—

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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearFive.

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 — 5?: Freedom Holding (FRHC) reported accident insurance — 5 of 18.6% in Q1 2026.
What does accident insurance — 5 mean?: Represents the net incurred claims or financial obligations associated with short-duration accident insurance contracts at the five-year development stage. This metric tracks the maturity of insurance liabilities and the accuracy of initial loss reserves as claims settle over time. It provides insight into the long-term underwriting profitability and reserve adequacy for the company's accident insurance product line.