What is Freedom Holding's life insurance — 1?

Freedom Holding (FRHC) reported life insurance — 1 of 50.8% in Q1 2026.

What does life insurance — 1 mean?

This represents the cumulative incurred claims for short-duration insurance contracts at the end of the first year following the policy year. It provides an early-stage view of loss development and the initial accuracy of underwriting assumptions. This data point is essential for actuarial modeling and assessing the short-term performance of the insurance underwriting cycle.

Freedom Holding (FRHC) Life Insurance — 1

Screener

Other product segments

Motor Vehicle

69%+10.9%

Vehicle Owners

67%+6.3%

Accident Insurance

37.2%+20.0%

Civil Liability

34%-11.0%

Compulsory employer liability insurance

29.2%-15.6%

Property Damage

21%+7.1%

Similar metrics at other companies

WTMSpecialty — 1

18.2%-1.1pp

HIPOCasualty Lines — 1

23%—

HIPOProperty Lines — 1

62%—

WTMCasualty-Active — 1

3.8%-0.6pp

WTMCasualty-Runoff — 1

8.8%0.0pp

WTMMarine & Energy — 1

12.1%-0.8pp

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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearOne.

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	50.8%	32.1%	(4.4)%	204.9%	(233.5)%	—%	50.0%	—%	—%

ITEM 8. FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA

FAQ

What is Freedom Holding's life insurance — 1?: Freedom Holding (FRHC) reported life insurance — 1 of 50.8% in Q1 2026.
What does life insurance — 1 mean?: This represents the cumulative incurred claims for short-duration insurance contracts at the end of the first year following the policy year. It provides an early-stage view of loss development and the initial accuracy of underwriting assumptions. This data point is essential for actuarial modeling and assessing the short-term performance of the insurance underwriting cycle.