What is Freedom Holding's life insurance — 6?

Freedom Holding (FRHC) reported life insurance — 6 of 0% in Q1 2026.

What does life insurance — 6 mean?

This metric tracks the cumulative incurred claims for short-duration insurance contracts at the end of the sixth year of development. It allows for the assessment of very mature insurance portfolios and the finality of claim settlements. This is useful for evaluating the long-term profitability of the insurance segment.

Freedom Holding (FRHC) Life Insurance — 6

Screener

Other product segments

Civil Liability

6%+216%

Compulsory employer liability insurance

3.2%-17.9%

Accident Insurance

0.3%—

Motor Vehicle

0%-100%

Property Damage

0%-100%

Vehicle Owners

0%-100%

Similar metrics at other companies

WTMSpecialty — 6

2.5%0.0pp

HIPOCasualty Lines — 6

0%—

HIPOProperty Lines — 6

0%—

WTMCasualty-Active — 6

11.2%-0.5pp

WTMCasualty-Runoff — 6

6.7%-0.1pp

WTMMarine & Energy — 6

6.5%-0.4pp

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$9.39B-19.3%

Enterprise value$8.47B-15.4%

P/E61.2×—

P/S4.3×-1.3×

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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearSix.

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 — 6?: Freedom Holding (FRHC) reported life insurance — 6 of 0% in Q1 2026.
What does life insurance — 6 mean?: This metric tracks the cumulative incurred claims for short-duration insurance contracts at the end of the sixth year of development. It allows for the assessment of very mature insurance portfolios and the finality of claim settlements. This is useful for evaluating the long-term profitability of the insurance segment.