What does compulsory employer liability insurance — 2 mean?

This metric tracks the number of active insurance policies or covered entities within the compulsory employer liability segment. It provides a measure of the customer base size and the diversification of risk across different employers. It is a key operational metric for assessing the scale of the insurance business.

Freedom Holding (FRHC) Compulsory employer liability insurance — 2

Screener

Other product segments

Accident Insurance

41.3%-21.3%

Civil Liability

36%+21.6%

Life Insurance

32.1%+278%

Vehicle Owners

29%-0.7%

Motor Vehicle

24%-5.1%

Property Damage

22%+127%

Similar metrics at other companies

WTMSpecialty — 2

26.8%-4.0pp

HIPOCasualty Lines — 2

46%—

HIPOProperty Lines — 2

27%—

HGBermuda - Casualty — 2

7%-1.0pp

HGBermuda - Property — 2

40%-2.0pp

HGBermuda - Specialty — 2

20%-1.0pp

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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearTwo.

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 — 2?: Freedom Holding (FRHC) reported compulsory employer liability insurance — 2 of 19.1% in Q1 2026.
What does compulsory employer liability insurance — 2 mean?: This metric tracks the number of active insurance policies or covered entities within the compulsory employer liability segment. It provides a measure of the customer base size and the diversification of risk across different employers. It is a key operational metric for assessing the scale of the insurance business.