What does other — allowance for expected credit losses mean?

The provision set aside to cover potential defaults or non-payment of assets within the segment. This reflects the company's assessment of credit risk associated with its lending or financial service activities.

Freedom Holding (FRHC) Other — Allowance for expected credit losses

Screener

Other segment segments

Bank

$24.48M+36.1%

Insurance

$4.29M+708%

Brokerage

-$231K-117%

Similar metrics at other companies

AIZOther assets, allowances for expected credit losses

$900K+50.0%

EVLVChange in allowance for expected credit losses

$0-100%

AXSIncrease in allowance for expected credit losses

$2.57M+210%

TRVContractholder receivables, allowance for expected credit losses

$13M-23.5%

FFord Credit — Financing Receivable, Allowance for Credit Losses, Other

-$10M-200%

BKAllowance for credit losses

$237M-19.7%

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$9.52B-18.2%

Enterprise value$8.6B-14.1%

P/E62.1×—

P/S4.3×-1.2×

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 frhc:AllowanceForExpectedCreditLossesRecoveries.

The source filing: Freedom Holding’s 10-Q, filed February 9, 2026.

Filed: Feb 9, 2026, 4:25 PM EST
Fiscal quarter: Q3 FY2026
Calendar quarter: Q4 2025
Accession: 0000924805-26-000006

STATEMENT OF OPERATIONS	Brokerage	Banking	Insurance	Other	Total
Stock compensation expense	5,576	3,312	711	5,753	15,352
Advertising and sponsorship expense	10,925	360	506	24,837	36,628
General and administrative expense	14,423	19,943	2,344	34,706	71,416
(Recovery of)/allowance for expected credit losses	(231)	998	5,026	549	6,342
Cost of sales	—	—	—	25,348	25,348
TOTAL EXPENSE	106,872	145,059	108,882	173,863	534,676
INCOME/(LOSS) BEFORE INCOME TAX	$102,731	$90,479	$20,992	$(120,257)	$93,945
Income tax (expense)/benefit	(21,708)	(10,927)	2,636	12,289	(17,710)

Item 1. Unaudited Condensed Consolidated Financial Statements

FAQ

What is Freedom Holding's other — allowance for expected credit losses?: Freedom Holding (FRHC) reported other — allowance for expected credit losses of $549K in Q4 2025.
How has Freedom Holding's other — allowance for expected credit losses changed year-over-year?: Freedom Holding's other — allowance for expected credit losses increased by 50.8% year-over-year, from $364K to $549K.
What does other — allowance for expected credit losses mean?: The provision set aside to cover potential defaults or non-payment of assets within the segment. This reflects the company's assessment of credit risk associated with its lending or financial service activities.