What is Freedom Holding's civil liability — 5?

Freedom Holding (FRHC) reported civil liability — 5 of 9% in Q1 2026.

What does civil liability — 5 mean?

This metric represents the gross written premiums or revenue generated from the civil liability insurance product line. It reflects the company's market penetration and underwriting activity within the professional and general liability insurance sector.

Freedom Holding (FRHC) Civil Liability — 5

Screener

Other product segments

Accident Insurance

18.6%—

Property Damage

6%-14.3%

Compulsory employer liability insurance

5.8%+190%

Motor Vehicle

0%-100%

Vehicle Owners

0%-100%

Similar metrics at other companies

WTMSpecialty — 5

6.3%-1.0pp

HIPOCasualty Lines — 5

4%—

HIPOProperty Lines — 5

3%—

HGBermuda - Casualty — 5

11%-1.0pp

HGBermuda - Property — 5

1%—

HGBermuda - Specialty — 5

10%+2.0pp

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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearFive.

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 — 5?: Freedom Holding (FRHC) reported civil liability — 5 of 9% in Q1 2026.
What does civil liability — 5 mean?: This metric represents the gross written premiums or revenue generated from the civil liability insurance product line. It reflects the company's market penetration and underwriting activity within the professional and general liability insurance sector.