What does compulsory employer liability insurance — 1 mean?

This metric represents the primary premium revenue generated from the compulsory employer liability insurance segment. It serves as the top-line indicator of market penetration and business volume for this specific insurance product. It is the base figure from which underwriting margins are calculated.

Freedom Holding (FRHC) Compulsory employer liability insurance — 1

Screener

Other product segments

Motor Vehicle

69%+10.9%

Vehicle Owners

67%+6.3%

Life Insurance

50.8%+201%

Accident Insurance

37.2%+20.0%

Civil Liability

34%-11.0%

Property Damage

21%+7.1%

Similar metrics at other companies

WTMSpecialty — 1

18.2%-1.1pp

HIPOCasualty Lines — 1

23%—

HIPOProperty Lines — 1

62%—

WTMCasualty-Active — 1

3.8%-0.6pp

WTMCasualty-Runoff — 1

8.8%0.0pp

WTMMarine & Energy — 1

12.1%-0.8pp

Other financials

Income statement

See full

Revenue$503.1M+68.6%

Gross profit$477.9M+67.1%

Net income$8.0M—

EPS (diluted)$0.13—

Balance sheet

See full

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

See full

Operating cash flow$717.8M—

CapEx$23.0M-15.8%

Free cash flow-$1.6B-220%

Valuation

See full

Market cap$9.52B-18.2%

Enterprise value$8.6B-14.1%

P/E62.1×—

P/S4.3×-1.2×

Profitability

See full

Gross margin96.4%-2.1pp

Operating margin-28%—

Net margin7%—

FCF margin-0.6%—

Returns & leverage

See full

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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearOne.

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	29.2%	19.1%	2.0%	1.5%	5.8%	3.2%	16.3%	15.2%	5.2%

ITEM 8. FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA

FAQ

What is Freedom Holding's compulsory employer liability insurance — 1?: Freedom Holding (FRHC) reported compulsory employer liability insurance — 1 of 29.2% in Q1 2026.
What does compulsory employer liability insurance — 1 mean?: This metric represents the primary premium revenue generated from the compulsory employer liability insurance segment. It serves as the top-line indicator of market penetration and business volume for this specific insurance product. It is the base figure from which underwriting margins are calculated.