What is Freedom Holding's property damage — 3?

Freedom Holding (FRHC) reported property damage — 3 of 30% in Q1 2026.

What does property damage — 3 mean?

This metric represents the loss ratio for the property damage segment, calculated as net incurred losses divided by net earned premiums. It is the primary measure of underwriting efficiency and profitability for the insurance business. A lower ratio indicates that the company is successfully pricing its risks and managing claims.

Freedom Holding (FRHC) Property Damage — 3

Screener

Other product segments

Civil Liability

11%+96.4%

Motor Vehicle

4%-20.0%

Accident Insurance

2.2%-86.7%

Compulsory employer liability insurance

2%-66.7%

Vehicle Owners

2%-4.8%

Similar metrics at other companies

HIPOProperty Lines — 3

4%—

HGBermuda - Property — 3

13%0.0pp

HGInternational - Property — 3

19%0.0pp

WTMProperty and Accident & Health — 3

18.4%+0.1pp

WTMSpecialty — 3

13.2%+2.3pp

HIPOCasualty Lines — 3

15%—

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$9.52B-18.2%

Enterprise value$8.6B-14.1%

P/E62.1×—

P/S4.3×-1.2×

Profitability

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Gross margin96.4%-2.1pp

Operating margin-28%—

Net margin7%—

FCF margin-0.6%—

Returns & leverage

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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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearThree.

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	21%	22%	30%	22%	6%	—%	—%	—%	—%

ITEM 8. FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA

FAQ

What is Freedom Holding's property damage — 3?: Freedom Holding (FRHC) reported property damage — 3 of 30% in Q1 2026.
What does property damage — 3 mean?: This metric represents the loss ratio for the property damage segment, calculated as net incurred losses divided by net earned premiums. It is the primary measure of underwriting efficiency and profitability for the insurance business. A lower ratio indicates that the company is successfully pricing its risks and managing claims.