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

Screener

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

WTMSpecialty — 3

13.2%+2.3pp

HIPOCasualty Lines — 3

15%—

HIPOProperty Lines — 3

4%—

WTMCasualty-Active — 3

11.4%-0.2pp

WTMCasualty-Runoff — 3

15.3%-0.3pp

WTMMarine & Energy — 3

17.3%-2.2pp

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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearThree.

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 — 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.