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Freedom Holding FRHC Insurance — Allowance for expected credit losses

Other segment segments

Bank
$24.48M+36.1%
Other
$549K+50.8%
Brokerage
-$231K-117%

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HIGGroup Insurance Policy — Reinsurance Recoverable, Allowance for Credit Loss
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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 frhc:AllowanceForExpectedCreditLossesRecoveries.

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 insurance — allowance for expected credit losses?
Freedom Holding (FRHC) reported insurance — allowance for expected credit losses of $4.29M in Q1 2026.
How has Freedom Holding's insurance — allowance for expected credit losses changed year-over-year?
Freedom Holding's insurance — allowance for expected credit losses increased by 708.1% year-over-year, from $531K to $4.29M.
What is the long-term trend for Freedom Holding's insurance — allowance for expected credit losses?
Over 4 years (2022 to 2026), Freedom Holding's insurance — allowance for expected credit losses has grown at a 161.4% compound annual growth rate (CAGR), from $293K to $13.67M.
What does insurance — allowance for expected credit losses mean?
The reserve set aside to cover potential losses from unpaid debts or credit defaults in the insurance segment.
How do you interpret insurance — allowance for expected credit losses?
An increase suggests deteriorating credit quality or a more conservative risk outlook, while a decrease signals improved asset quality.
How does insurance — allowance for expected credit losses compare across companies?
Standard accounting practice under IFRS 9 or CECL; compared across peers based on the quality of the underlying asset portfolio.