What does annuity contracts — undiscounted PVENP mean?

Represents the Present Value of Future Net Premiums (PVENP) for annuity contracts on an undiscounted basis. This metric quantifies the total expected future premium inflows from policyholders without applying a discount rate. It is a key indicator of the revenue-generating potential of the existing annuity book of business.

Freedom Holding FRHC Annuity Contracts — Undiscounted PVENP

Similar metrics at other companies

FNFIndexed annuities — Present Value of Future Insurance Profits, Net

$741M-13.9%

JXNPayout Annuities — Expected future gross premiums, discounted

$0—

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

$17M-19.0%

KKRPayout Annuities — Expected Future Gross Premiums, Undiscounted

$0—

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

$0—

GLOther — PV of expected future net premiums, Not discounted

$833.55M-5.0%

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:LiabilityForFuturePolicyBenefitExpectedNetPremiumOriginalDiscountRateBeforeCashFlowAndReinsurance.

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 — undiscounted PVENP?: Freedom Holding (FRHC) reported annuity contracts — undiscounted PVENP of $0 in Q1 2026.
What does annuity contracts — undiscounted PVENP mean?: Represents the Present Value of Future Net Premiums (PVENP) for annuity contracts on an undiscounted basis. This metric quantifies the total expected future premium inflows from policyholders without applying a discount rate. It is a key indicator of the revenue-generating potential of the existing annuity book of business.