What is Freedom Holding's accident insurance — 8?

Freedom Holding (FRHC) reported accident insurance — 8 of 0% in Q1 2026.

What does accident insurance — 8 mean?

Captures the net financial impact of accident insurance claims at the eight-year development mark. By this stage, most claims are settled, making this metric a reliable indicator of the final underwriting profit or loss for that specific cohort. It provides transparency into the long-term financial health and risk management efficacy of the insurance segment.

Freedom Holding (FRHC) Accident Insurance — 8

Screener

Other product segments

Compulsory employer liability insurance

15.2%-8.4%

Civil Liability

0%—

Life Insurance

0%—

Motor Vehicle

0%-100%

Property Damage

0%-100%

Vehicle Owners

0%-100%

Similar metrics at other companies

WTMProperty and Accident & Health — 8

0.9%+0.1pp

WTMSpecialty — 8

1.8%0.0pp

WTMCasualty-Active — 8

5.1%+0.3pp

WTMCasualty-Runoff — 8

4.2%+0.1pp

WTMMarine & Energy — 8

0.4%0.0pp

HGBermuda - Casualty — 8

6%-3.0pp

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

See full

Operating cash flow$717.8M—

CapEx$23.0M-15.8%

Free cash flow-$1.6B-220%

Valuation

See full

Market cap$9.39B-19.3%

Enterprise value$8.47B-15.4%

P/E61.2×—

P/S4.3×-1.3×

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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearEight.

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 — 8?: Freedom Holding (FRHC) reported accident insurance — 8 of 0% in Q1 2026.
What does accident insurance — 8 mean?: Captures the net financial impact of accident insurance claims at the eight-year development mark. By this stage, most claims are settled, making this metric a reliable indicator of the final underwriting profit or loss for that specific cohort. It provides transparency into the long-term financial health and risk management efficacy of the insurance segment.