What does annuity contracts — discounted PVEFPB mean?

Represents the Present Value of Future Benefits (PVEFPB) for annuity contracts after applying a discount rate to account for the time value of money. This reflects the current economic liability of the company regarding future annuity payouts. It is a critical metric for assessing the solvency and capital requirements of the insurance segment.

Freedom Holding FRHC Annuity Contracts — Discounted PVEFPB

Similar metrics at other companies

JXNPayout Annuities — Expected future benefit payments, discounted

$1.05B+1.5%

FNFFixed rate annuities — Present Value of Future Insurance Profits, Net

$17M-19.0%

FNFIndexed annuities — Present Value of Future Insurance Profits, Net

$741M-13.9%

GLFamily Heritage — PV of expected future policy benefits, At current discount rates

357,336,600,000%+14,276,400,000pp

GLOther — PV of expected future policy benefits, Not discounted

$12.28B-1.4%

JXNPayout Annuities — Expected future benefit payments, undiscounted

$1.56B-0.3%

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$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

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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:LiabilityForFuturePolicyBenefitExpectedFutureGrossPremiumDiscountedBeforeReinsurance.

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 annuity contracts — discounted PVEFPB?: Freedom Holding (FRHC) reported annuity contracts — discounted PVEFPB of $314.35M in Q1 2026.
What does annuity contracts — discounted PVEFPB mean?: Represents the Present Value of Future Benefits (PVEFPB) for annuity contracts after applying a discount rate to account for the time value of money. This reflects the current economic liability of the company regarding future annuity payouts. It is a critical metric for assessing the solvency and capital requirements of the insurance segment.