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Freedom Holding FRHC Compulsory employer liability insurance — 4

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%

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GLBenefits, Losses and Expenses
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FNBInsurance — Salaries and employee benefits
$4M0.0%
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CBBenefits, Losses and Expenses
$11.78B+0.8%

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$8.81B+10.6%
Enterprise value$7.89B+24.0%
P/E57.4×
P/S0.0×

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×
Current ratio

Where this comes from

Reported directly by Freedom Holding in its filing.

Tagged under the XBRL concept us-gaap:ShortdurationInsuranceContractsHistoricalClaimsDurationYearFour.

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

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Questions, answered.

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.