What does annuity contracts — discounted PVENP mean?

Represents the Present Value of Future Net Premiums (PVENP) for annuity contracts, adjusted for the time value of money using a specific discount rate. This metric provides the current economic value of expected future premium receipts. It is used to determine the net profitability of the annuity segment when compared against discounted future benefits.

Freedom Holding FRHC Annuity Contracts — Discounted PVENP

Similar metrics at other companies

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%

FNFImmediate annuities — Present Value of Future Insurance Profits, Net

$176M-3.3%

KKRPayout Annuities — Expected Future Gross Premiums, Discounted (Current Discount Rate)

$0—

GLLife — PV of expected future net premiums, Not discounted

$21.03B-2.4%

JXNPayout Annuities — Expected future gross premiums, discounted

$0—

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:LiabilityForFuturePolicyBenefitExpectedNetPremiumBeforeReinsuranceAfterDiscountRateChange.

The official record: Freedom Holding’s 10-K, filed June 1, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Freedom Holding's annuity contracts — discounted PVENP?: Freedom Holding (FRHC) reported annuity contracts — discounted PVENP of $0 in Q1 2026.
What does annuity contracts — discounted PVENP mean?: Represents the Present Value of Future Net Premiums (PVENP) for annuity contracts, adjusted for the time value of money using a specific discount rate. This metric provides the current economic value of expected future premium receipts. It is used to determine the net profitability of the annuity segment when compared against discounted future benefits.