What is Freedom Holding's civil liability — 2?

Freedom Holding (FRHC) reported civil liability — 2 of 36% in Q1 2026.

What does civil liability — 2 mean?

This metric tracks the net earned premiums for the civil liability segment after accounting for reinsurance cessions. It represents the revenue the company retains after sharing a portion of the risk with reinsurers. This is a more accurate measure of the company's actual revenue contribution from the civil liability business.

Freedom Holding (FRHC) Civil Liability — 2

Screener

Other product segments

Accident Insurance

41.3%-21.3%

Life Insurance

32.1%+278%

Vehicle Owners

29%-0.7%

Motor Vehicle

24%-5.1%

Property Damage

22%+127%

Compulsory employer liability insurance

19.1%+46.9%

Similar metrics at other companies

WTMSpecialty — 2

26.8%-4.0pp

HIPOCasualty Lines — 2

46%—

HIPOProperty Lines — 2

27%—

HGBermuda - Casualty — 2

7%-1.0pp

HGBermuda - Property — 2

40%-2.0pp

HGBermuda - Specialty — 2

20%-1.0pp

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$9.52B-18.2%

Enterprise value$8.6B-14.1%

P/E62.1×—

P/S4.3×-1.2×

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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearTwo.

The source filing: Freedom Holding’s 10-K, filed June 1, 2026.

Filed: Jun 1, 2026, 4:21 PM EDT
Fiscal year: FY2026
Accession: 0000924805-26-000012


Years	1	2	3	4	5	6	7	8	9
Average annual percentage payout	34%	36%	11%	4%	9%	6%	—%	—%	—%

ITEM 8. FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA

FAQ

What is Freedom Holding's civil liability — 2?: Freedom Holding (FRHC) reported civil liability — 2 of 36% in Q1 2026.
What does civil liability — 2 mean?: This metric tracks the net earned premiums for the civil liability segment after accounting for reinsurance cessions. It represents the revenue the company retains after sharing a portion of the risk with reinsurers. This is a more accurate measure of the company's actual revenue contribution from the civil liability business.