What is Freedom Holding's civil liability — 4?

Freedom Holding (FRHC) reported civil liability — 4 of 4% in Q1 2026.

What does civil liability — 4 mean?

This metric represents the expense ratio for the civil liability segment, measuring the administrative and operational costs of running the business relative to premiums earned. It captures the efficiency of the company's distribution, underwriting, and general administrative functions. When combined with the loss ratio, it provides the total combined ratio for the segment.

Freedom Holding FRHC Civil Liability — 4

Other product segments

Life Insurance

204.9%+208%

Property Damage

22%-22.3%

Motor Vehicle

3%-28.6%

Accident Insurance

2.3%—

Compulsory employer liability insurance

1.5%-70.6%

Vehicle Owners

1%-37.5%

Similar metrics at other companies

ALLProperty Liability — Total

$12.76B-3.0%

CINFCommercial Auto Line — 4

11.2%-0.6pp

EGBenefits, Losses and Expenses

$3.33B-17.0%

PGRMedical costs

$13.83B+8.0%

CINFProperty, Liability and Casualty Insurance — Underwriting, acquisition and insurance expenses

$252.75M+6.1%

CINFBenefits, Losses and Expenses

$2.54B-5.8%

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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearFour.

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 — 4?: Freedom Holding (FRHC) reported civil liability — 4 of 4% in Q1 2026.
What does civil liability — 4 mean?: This metric represents the expense ratio for the civil liability segment, measuring the administrative and operational costs of running the business relative to premiums earned. It captures the efficiency of the company's distribution, underwriting, and general administrative functions. When combined with the loss ratio, it provides the total combined ratio for the segment.