What does compulsory employer liability insurance — 3 mean?

This metric represents the loss ratio for the compulsory employer liability insurance segment, calculated as net incurred losses divided by net earned premiums. It is the primary measure of underwriting profitability for this specific product line. It indicates how much of every dollar earned in premiums is consumed by claim costs.

Freedom Holding FRHC Compulsory employer liability insurance — 3

Other product segments

Property Damage

30%-8.0%

Civil Liability

11%+96.4%

Motor Vehicle

4%-20.0%

Accident Insurance

2.2%-86.7%

Vehicle Owners

2%-4.8%

Similar metrics at other companies

CBBenefits, Losses and Expenses

$11.78B+0.8%

ACGLBenefits, Losses and Expenses

$3.41B-14.6%

CINFCommercial Insurance — Insurance losses and contract holders' benefits

$847M+15.2%

CINFWorkers' Compensation Line — 1

23.6%-0.5pp

RNRBenefits, Losses and Expenses

$1.65B-53.5%

AXSLiability — Net premiums earned

$214.41M+6.7%

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$8.81B+10.6%

Enterprise value$7.89B+24.0%

P/E57.4×—

P/S4×0.0×

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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearThree.

The official record: Freedom Holding’s 10-K, filed June 1, 2026, on SEC EDGAR. View the filing →

Ask your AI about Freedom Holding's compulsory employer liability insurance — 3.

Connect your AI assistant and compare segments, right in your chat.

Connect your AI

Claude

Questions, answered.

What is Freedom Holding's compulsory employer liability insurance — 3?: Freedom Holding (FRHC) reported compulsory employer liability insurance — 3 of 2% in Q1 2026.
What does compulsory employer liability insurance — 3 mean?: This metric represents the loss ratio for the compulsory employer liability insurance segment, calculated as net incurred losses divided by net earned premiums. It is the primary measure of underwriting profitability for this specific product line. It indicates how much of every dollar earned in premiums is consumed by claim costs.