What is Freedom Holding's life insurance — 4?

Freedom Holding (FRHC) reported life insurance — 4 of 204.9% in Q1 2026.

What does life insurance — 4 mean?

This metric tracks the cumulative incurred claims for short-duration insurance contracts at the end of the fourth year of development. It serves as a benchmark for evaluating the long-term loss experience and the reliability of the company's historical underwriting data. Investors use this to gauge the maturity and stability of the insurance book.

Freedom Holding FRHC Life Insurance — 4

Other product segments

Property Damage

22%-22.3%

Civil Liability

4%-81.2%

Motor Vehicle

3%-28.6%

Accident Insurance

2.3%—

Compulsory employer liability insurance

1.5%-70.6%

Vehicle Owners

1%-37.5%

Similar metrics at other companies

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

0.4%+0.1pp

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

2%+0.2pp

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

14.2%0.0pp

HIGProperty Insurance — 4th Year

5%+1.1pp

EGProperty Insurance — Year four

14%-0.6pp

METProtection Health — Short-duration Insurance Contracts, Historical Claims Duration, Year Four

0.5%+0.1pp

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

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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearFour.

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 — 4?: Freedom Holding (FRHC) reported life insurance — 4 of 204.9% in Q1 2026.
What does life insurance — 4 mean?: This metric tracks the cumulative incurred claims for short-duration insurance contracts at the end of the fourth year of development. It serves as a benchmark for evaluating the long-term loss experience and the reliability of the company's historical underwriting data. Investors use this to gauge the maturity and stability of the insurance book.