What does annuity contracts — undiscounted PVEFPB mean?

Represents the Present Value of Future Benefits (PVEFPB) for annuity contracts calculated on an undiscounted basis. This metric reflects the total estimated future liability the company expects to pay out to policyholders without adjusting for the time value of money. It serves as a gross measure of the long-term obligations inherent in the annuity portfolio.

Freedom Holding FRHC Annuity Contracts — Undiscounted PVEFPB

Similar metrics at other companies

JXNPayout Annuities — Expected future benefit payments, discounted

$1.05B+1.5%

JXNPayout Annuities — Expected future benefit payments, undiscounted

$1.56B-0.3%

FNFIndexed annuities — Present Value of Future Insurance Profits, Net

$741M-13.9%

GLOther — PV of expected future policy benefits, Not discounted

$12.28B-1.4%

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

$17M-19.0%

GLUnited American — PV of expected future policy benefits, Not discounted

$9.13B+37.3%

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:LiabilityForFuturePolicyBenefitExpectedFuturePolicyBenefitUndiscountedBeforeReinsurance.

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 — undiscounted PVEFPB?: Freedom Holding (FRHC) reported annuity contracts — undiscounted PVEFPB of $726.4M in Q1 2026.
What does annuity contracts — undiscounted PVEFPB mean?: Represents the Present Value of Future Benefits (PVEFPB) for annuity contracts calculated on an undiscounted basis. This metric reflects the total estimated future liability the company expects to pay out to policyholders without adjusting for the time value of money. It serves as a gross measure of the long-term obligations inherent in the annuity portfolio.