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?

This metric tracks the cumulative incurred claims for short-duration insurance contracts at the end of the eighth year of development. It represents the most mature view of the claims development cycle for the reported periods. This data is essential for validating the ultimate loss ratios and the long-term sustainability of the insurance business model.

Freedom Holding (FRHC) Life Insurance — 8

Screener

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

WTMSpecialty — 8

1.8%0.0pp

WTMCasualty-Active — 8

5.1%+0.3pp

WTMCasualty-Runoff — 8

4.2%+0.1pp

WTMMarine & Energy — 8

0.4%0.0pp

HGBermuda - Casualty — 8

6%-3.0pp

HGBermuda - Property — 8

0%—

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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearEight.

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 — 8?: Freedom Holding (FRHC) reported life insurance — 8 of 0% in Q1 2026.
What does life insurance — 8 mean?: This metric tracks the cumulative incurred claims for short-duration insurance contracts at the end of the eighth year of development. It represents the most mature view of the claims development cycle for the reported periods. This data is essential for validating the ultimate loss ratios and the long-term sustainability of the insurance business model.