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

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

AXSLiability — Net premiums earned

$214.41M+6.7%

ACGLOther liability - claims made — Net premiums earned

$196.5M-6.8%

PGRProperty Liability And Casualty Insurance — Net premiums earned

$20.42B+15.3%

ORIGeneral Liability — Premiums Earned, Net

$141.4M—

AIGProperty and liability — Premiums

$5.32B+0.9%

WRBOther liability — Loss and loss expenses incurred, net of reinsurance

$16.87B+608%

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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearTwo.

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 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.