What is Freedom Holding's life insurance — discounted PVENP?

Freedom Holding (FRHC) reported life insurance — discounted PVENP of $4.99M in Q1 2026.

What does life insurance — discounted PVENP mean?

Represents the Present Value of Future Net Premiums for life insurance contracts after applying a discount rate. This metric adjusts future expected premium inflows to their present value, providing a realistic view of the current worth of future revenue. It is used to assess the profitability and long-term sustainability of the insurance product mix.

Freedom Holding FRHC Life Insurance — Discounted PVENP

Similar metrics at other companies

GLLife — PV of expected future net premiums, Not discounted

$21.03B-2.4%

GLLife — PV of expected future net premiums, At original discount rates

$11.43B-2.4%

GLHealth — PV of expected future net premiums, Not discounted

$13.62B+25.3%

CINFTerm Life Insurance — Present value of expected future policy benefits less expected net premiums

$1.07B+2.7%

GLLife — PV of expected future gross premiums, At original discount rates

$28.91B+1.7%

GLHealth — PV of expected future net premiums, At original discount rates

$8.15B+23.7%

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

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:LiabilityForFuturePolicyBenefitExpectedNetPremiumBeforeReinsuranceAfterDiscountRateChange.

The official record: Freedom Holding’s 10-K, filed June 1, 2026, on SEC EDGAR. View the filing →

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What is Freedom Holding's life insurance — discounted PVENP?: Freedom Holding (FRHC) reported life insurance — discounted PVENP of $4.99M in Q1 2026.
What does life insurance — discounted PVENP mean?: Represents the Present Value of Future Net Premiums for life insurance contracts after applying a discount rate. This metric adjusts future expected premium inflows to their present value, providing a realistic view of the current worth of future revenue. It is used to assess the profitability and long-term sustainability of the insurance product mix.