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

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

AXSInsurance — Year 1

29.5%—

AFGProperty and casualty insurance — Year 1

52%-0.2pp

METGroup Life - Term — Short-duration Insurance Contracts, Historical Claims Duration, Year One

75.5%-0.4pp

RGALife Insurance Product Line — Short-duration Insurance Contracts, Historical Claims Duration, Year One

50.7%-0.1pp

METProtection Life — Short-duration Insurance Contracts, Historical Claims Duration, Year One

57%-0.7pp

JXNLife — Premiums

$22.75M-11.7%

Other financials

Income statement

See full

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/S4×0.0×

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 / equity0×0.0×

Current ratio1×—

Where this comes from

Reported directly by Freedom Holding in its filing.

Tagged under the XBRL concept us-gaap:ShortdurationInsuranceContractsHistoricalClaimsDurationYearOne.

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

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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.