What is Freedom Holding's civil liability — 3?

Freedom Holding (FRHC) reported civil liability — 3 of 11% in Q1 2026.

What does civil liability — 3 mean?

This metric calculates the loss ratio for the civil liability segment, defined as net incurred losses and LAE divided by net earned premiums. It is the fundamental measure of underwriting profitability for this product line. A lower ratio indicates that the company is effectively pricing its risks and managing its claims.

Freedom Holding FRHC Civil Liability — 3

Other product segments

Property Damage

30%-8.0%

Motor Vehicle

4%-20.0%

Accident Insurance

2.2%-86.7%

Compulsory employer liability insurance

2%-66.7%

Vehicle Owners

2%-4.8%

Similar metrics at other companies

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

$4.79B+634%

CINFProperty, Liability and Casualty Insurance — Benefits, claims losses and settlement expense

$1.58B+16.5%

CBBenefits, Losses and Expenses

$11.78B+0.8%

ACGLInsurance — Loss ratio

60.2%-5.8pp

ACGLMedical costs

$2.09B-19.3%

RNRProperty — Loss Ratio

9.3%-121pp

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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearThree.

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 — 3?: Freedom Holding (FRHC) reported civil liability — 3 of 11% in Q1 2026.
What does civil liability — 3 mean?: This metric calculates the loss ratio for the civil liability segment, defined as net incurred losses and LAE divided by net earned premiums. It is the fundamental measure of underwriting profitability for this product line. A lower ratio indicates that the company is effectively pricing its risks and managing its claims.