What is Freedom Holding's life insurance — 7?

Freedom Holding (FRHC) reported life insurance — 7 of 50% in Q1 2026.

What does life insurance — 7 mean?

This metric measures the cumulative incurred claims for short-duration insurance contracts at the end of the seventh year of development. It provides insight into the tail-end risk of the insurance portfolio and the accuracy of long-term reserve estimates. This is a key metric for assessing the historical performance of the company's underwriting.

Freedom Holding (FRHC) Life Insurance — 7

Screener

Other product segments

Compulsory employer liability insurance

16.3%+16.4%

Civil Liability

0%—

Motor Vehicle

0%-100%

Property Damage

0%-100%

Vehicle Owners

0%-100%

Similar metrics at other companies

WTMSpecialty — 7

2.1%+0.6pp

HIPOCasualty Lines — 7

0%—

HIPOProperty Lines — 7

0%—

WTMCasualty-Active — 7

7.2%+0.9pp

WTMCasualty-Runoff — 7

5.9%0.0pp

WTMMarine & Energy — 7

0.5%+0.2pp

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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearSeven.

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 — 7?: Freedom Holding (FRHC) reported life insurance — 7 of 50% in Q1 2026.
What does life insurance — 7 mean?: This metric measures the cumulative incurred claims for short-duration insurance contracts at the end of the seventh year of development. It provides insight into the tail-end risk of the insurance portfolio and the accuracy of long-term reserve estimates. This is a key metric for assessing the historical performance of the company's underwriting.