What is Freedom Holding's life insurance — 5?

Freedom Holding (FRHC) reported life insurance — 5 of -233.5% in Q1 2026.

What does life insurance — 5 mean?

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

How do you interpret life insurance — 5?

Minimal changes at this stage indicate that the majority of claims have been settled and reserves are likely accurate.

How does life insurance — 5 compare across companies?

Standard actuarial 'Year 5' loss development factor used across the insurance industry.

Freedom Holding FRHC Life Insurance — 5

Similar metrics at other companies

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

9%+0.2pp

HIGProperty Insurance — 5th Year

1.9%-0.4pp

ACGLInsurance — Shortduration Insurance Contracts Historical Claims Duration Year Five

12.5%-0.6pp

EGInsurance — Short Duration Insurance Contracts Historical Claims Duration Year Five

2.5%+0.1pp

TRVGeneral liability — Short-duration Insurance Contracts, Historical Claims Duration, Year Five

26.1%+0.2pp

WRBInsurance — Shortduration Insurance Contracts Historical Claims Duration Year Five

13.8%-0.1pp

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:ShortDurationInsuranceContractsHistoricalClaimsDurationYearFiveNet.

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 — 5?: Freedom Holding (FRHC) reported life insurance — 5 of -233.5% in Q1 2026.
What does life insurance — 5 mean?: The total estimated cost of insurance claims incurred after five years of development.
How do you interpret life insurance — 5?: Minimal changes at this stage indicate that the majority of claims have been settled and reserves are likely accurate.
How does life insurance — 5 compare across companies?: Standard actuarial 'Year 5' loss development factor used across the insurance industry.