What is Freedom Holding's life insurance — 3?

Freedom Holding (FRHC) reported life insurance — 3 of -4.4% in Q1 2026.

What does life insurance — 3 mean?

This metric measures the cumulative incurred claims for short-duration insurance contracts at the end of the third year of development. It provides a mid-term view of how insurance liabilities mature and whether initial actuarial estimates were conservative or aggressive. This is vital for assessing the long-term financial health of the insurance segment.

Freedom Holding FRHC Life Insurance — 3

Similar metrics at other companies

AXSInsurance — Year 3

15.3%—

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

1.1%+0.1pp

JXNLife — Assumed

$6.25M-3.8%

TRVGeneral Liability — Short-duration Insurance Contracts, Historical Claims Duration, Year Three

33.8%-1.0pp

HIGGroup Insurance Policy — 3rd Year

15.9%0.0pp

GLLife — Liability for Future Policy Benefit, Reinsurance Recoverable, after Allowance

$8.37M+3.0%

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/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 frhc:ShortDurationInsuranceContractsHistoricalClaimsDurationYearThreeNet.

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 life insurance — 3?: Freedom Holding (FRHC) reported life insurance — 3 of -4.4% in Q1 2026.
What does life insurance — 3 mean?: This metric measures the cumulative incurred claims for short-duration insurance contracts at the end of the third year of development. It provides a mid-term view of how insurance liabilities mature and whether initial actuarial estimates were conservative or aggressive. This is vital for assessing the long-term financial health of the insurance segment.