What is Freedom Holding's life insurance — 8?

Freedom Holding (FRHC) reported life insurance — 8 of 0% in Q1 2026.

What does life insurance — 8 mean?

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

How do you interpret life insurance — 8?

Stability here confirms that the company has successfully managed its long-term insurance liabilities.

How does life insurance — 8 compare across companies?

Standard actuarial 'Year 8' loss development factor used across the insurance industry.

Freedom Holding FRHC Life Insurance — 8

Other product segments

Compulsory employer liability insurance

15.2%-8.4%

Accident Insurance

0%—

Civil Liability

0%—

Motor Vehicle

0%-100%

Property Damage

0%-100%

Vehicle Owners

0%-100%

Similar metrics at other companies

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

3.6%0.0pp

ACGLInsurance — Shortduration Insurance Contracts Historical Claims Duration Year Eight

5.7%+0.2pp

HIGProperty Insurance — 8th Year

0.3%0.0pp

EGProperty Insurance — Year eight

1.8%-0.2pp

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

7.7%+0.7pp

LTR

LTRProperty And Casualty Commercial Insurance Product Line — Shortduration Insurance Contracts Historical Claims Duration Year Eight

——

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$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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearEight.

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 — 8?: Freedom Holding (FRHC) reported life insurance — 8 of 0% in Q1 2026.
What does life insurance — 8 mean?: The total estimated cost of insurance claims incurred after eight years of development.
How do you interpret life insurance — 8?: Stability here confirms that the company has successfully managed its long-term insurance liabilities.
How does life insurance — 8 compare across companies?: Standard actuarial 'Year 8' loss development factor used across the insurance industry.