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

Screener

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

WTMSpecialty — 4

8.7%+3.8pp

HIPOCasualty Lines — 4

10%—

HIPOProperty Lines — 4

3%—

HGBermuda - Casualty — 4

15%-1.0pp

HGBermuda - Property — 4

10%-1.0pp

HGBermuda - Specialty — 4

13%0.0pp

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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearFour.

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 — 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.