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

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

AXSInsurance — Year 5

13.3%—

AFLAccident — Less: reinsurance recoverable

$0—

EGCasualty Insurance — Year five

24.9%—

AFLAccident — Liability for Future Policy Benefit, Expected Future Policy Benefit, Undiscounted, before Reinsurance

$4.64B-0.7%

ALLAuto Insurance Liability Coverage — 5 years

4.1%-0.8pp

DYClaims and insurance accruals

$50.41M+7.1%

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

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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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearFive.

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 — 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.