What is Freedom Holding's life insurance — 2?

Freedom Holding (FRHC) reported life insurance — 2 of 32.1% in Q1 2026.

What does life insurance — 2 mean?

The total estimated cost of insurance claims incurred after two years of development.

How do you interpret life insurance — 2?

Stable or decreasing trends indicate accurate initial reserving, whereas significant increases suggest adverse loss development.

How does life insurance — 2 compare across companies?

Standard actuarial 'Year 2' loss development factor used across the insurance industry.

Freedom Holding FRHC Life Insurance — 2

Other product segments

Accident Insurance

41.3%-21.3%

Civil Liability

36%+21.6%

Vehicle Owners

29%-0.7%

Motor Vehicle

24%-5.1%

Property Damage

22%+127%

Compulsory employer liability insurance

19.1%+46.9%

Similar metrics at other companies

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

72.2%+0.9pp

HIGProperty Insurance — 2nd Year

58.1%0.0pp

EGReinsurance — Shortduration Insurance Contracts Historical Claims Duration Year Two

31.8%-1.1pp

ACGLInsurance — Shortduration Insurance Contracts Historical Claims Duration Year Two

35.9%+3.4pp

PFGGroup Life — Shortduration Insurance Contracts Historical Claims Duration Year Two

20%+0.5pp

HIGAccident And Health Insurance — Shortduration Insurance Contracts Historical Claims Duration Year Two

18.4%0.0pp

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

See full

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

See full

Operating cash flow$717.8M—

CapEx$23.0M-15.8%

Free cash flow-$1.6B-220%

Valuation

See full

Market cap$8.81B+10.6%

Enterprise value$7.89B+24.0%

P/E57.4×—

P/S4×0.0×

Profitability

See full

Gross margin96.4%-2.1pp

Operating margin-28%—

Net margin7%—

FCF margin-0.6%—

Returns & leverage

See full

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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearTwo.

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

Ask your AI about Freedom Holding's life insurance — 2.

Connect your AI assistant and compare segments, right in your chat.

Connect your AI

Claude

Questions, answered.

What is Freedom Holding's life insurance — 2?: Freedom Holding (FRHC) reported life insurance — 2 of 32.1% in Q1 2026.
What does life insurance — 2 mean?: The total estimated cost of insurance claims incurred after two years of development.
How do you interpret life insurance — 2?: Stable or decreasing trends indicate accurate initial reserving, whereas significant increases suggest adverse loss development.
How does life insurance — 2 compare across companies?: Standard actuarial 'Year 2' loss development factor used across the insurance industry.