What does compulsory employer liability insurance — 4 mean?

This metric represents the expense ratio for the compulsory employer liability insurance segment, measuring the operational costs of underwriting and administration relative to premiums. It reflects the efficiency of the company's insurance operations. When combined with the loss ratio, it provides the total combined ratio for the segment.

Freedom Holding (FRHC) Compulsory employer liability insurance — 4

Screener

Other product segments

Life Insurance

204.9%+208%

Property Damage

22%-22.3%

Civil Liability

4%-81.2%

Motor Vehicle

3%-28.6%

Accident Insurance

2.3%—

Vehicle Owners

1%-37.5%

Similar metrics at other companies

WTMSpecialty — 4

8.7%+3.8pp

HIPOCasualty Lines — 4

10%—

HIPOProperty Lines — 4

3%—

HGBermuda - Casualty — 4

15%-1.0pp

HGBermuda - Property — 4

10%-1.0pp

HGBermuda - Specialty — 4

13%0.0pp

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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearFour.

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 — 4?: Freedom Holding (FRHC) reported compulsory employer liability insurance — 4 of 1.5% in Q1 2026.
What does compulsory employer liability insurance — 4 mean?: This metric represents the expense ratio for the compulsory employer liability insurance segment, measuring the operational costs of underwriting and administration relative to premiums. It reflects the efficiency of the company's insurance operations. When combined with the loss ratio, it provides the total combined ratio for the segment.