What is Freedom Holding's civil liability — 6?

Freedom Holding (FRHC) reported civil liability — 6 of 6% in Q1 2026.

What does civil liability — 6 mean?

This metric tracks the net earned premiums or segment-specific revenue attributed to the civil liability insurance portfolio. It serves as a key indicator of the profitability and scale of the company's insurance underwriting operations.

Freedom Holding (FRHC) Civil Liability — 6

Screener

Other product segments

Compulsory employer liability insurance

3.2%-17.9%

Accident Insurance

0.3%—

Life Insurance

0%—

Motor Vehicle

0%-100%

Property Damage

0%-100%

Vehicle Owners

0%-100%

Similar metrics at other companies

WTMSpecialty — 6

2.5%0.0pp

HIPOCasualty Lines — 6

0%—

HIPOProperty Lines — 6

0%—

WTMCasualty-Active — 6

11.2%-0.5pp

WTMCasualty-Runoff — 6

6.7%-0.1pp

WTMMarine & Energy — 6

6.5%-0.4pp

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$9.39B-19.3%

Enterprise value$8.47B-15.4%

P/E61.2×—

P/S4.3×-1.3×

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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearSix.

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 — 6?: Freedom Holding (FRHC) reported civil liability — 6 of 6% in Q1 2026.
What does civil liability — 6 mean?: This metric tracks the net earned premiums or segment-specific revenue attributed to the civil liability insurance portfolio. It serves as a key indicator of the profitability and scale of the company's insurance underwriting operations.