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

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

AXSInsurance — Year 8

6.8%—

EGCasualty Insurance — Year eight

12.8%—

HIGProperty Insurance — 8th Year

0.3%0.0pp

AFLAccident — Interest Expense

$7M0.0%

EGProperty Insurance — Year eight

1.8%-0.2pp

AIGU.S. Personal Insurance — Year 8 (as a percent)

0.7%+0.2pp

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

See full

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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearEight.

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 — 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.