What does life insurance — undiscounted PVEFPB mean?

The total estimated future payouts for life insurance policies without adjusting for interest rates.

How do you interpret life insurance — undiscounted PVEFPB?

An increase suggests higher projected future benefit obligations, potentially due to growth in the policy base or changes in mortality assumptions.

How does life insurance — undiscounted PVEFPB compare across companies?

Standard actuarial metric used by life insurers to quantify gross long-term liabilities.

Freedom Holding FRHC Life Insurance — Undiscounted PVEFPB

Similar metrics at other companies

GLLife — PV of expected future policy benefits, Not discounted

$80.51B+0.8%

CINFTerm Life Insurance — Discounted expected future benefit payments

$2.76B+2.1%

GLOther — PV of expected future policy benefits, At current discount rates

397,930,900,000%-3,067,000,000pp

GLOther — PV of expected future policy benefits, Not discounted

$12.28B-1.4%

PFGTerm Life Insurance — Liability For Future Policy Benefit Expected Future Gross Premium Discounted Before Reinsurance

$6.83B+1.1%

GLOther — Liability for Future Policy Benefit, Expected Future Benefit, Original Discount Rate, before Reinsurance, after Cash Flow Change

363,959,600,000%+6,297,500,000pp

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

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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

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:LiabilityForFuturePolicyBenefitExpectedFuturePolicyBenefitUndiscountedBeforeReinsurance.

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 — undiscounted PVEFPB?: Freedom Holding (FRHC) reported life insurance — undiscounted PVEFPB of $40.63M in Q1 2026.
What does life insurance — undiscounted PVEFPB mean?: The total estimated future payouts for life insurance policies without adjusting for interest rates.
How do you interpret life insurance — undiscounted PVEFPB?: An increase suggests higher projected future benefit obligations, potentially due to growth in the policy base or changes in mortality assumptions.
How does life insurance — undiscounted PVEFPB compare across companies?: Standard actuarial metric used by life insurers to quantify gross long-term liabilities.