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

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

RNRProperty — Loss Ratio

9.3%-121pp

RNRProperty — Underwriting expense ratio

24.8%+6.2pp

ACGLInsurance — Loss ratio

60.2%-5.8pp

EGProperty Insurance — Ultimate incurred loss and allocated loss adjustment expenses, net of reinsurance

3,390,500,000,000%+2,915,100,000,000pp

AXSInsurance — Current accident year loss ratio (as a percent)

57.5%+0.5pp

ACGLProperty excluding property catastrophe — Incurred losses and allocated loss adjustment expenses, net of reinsurance

515,000,000,000%+393,800,000,000pp

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

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$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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearThree.

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

Ask your AI about Freedom Holding's property damage — 3.

Connect your AI assistant and compare segments, right in your chat.

Connect your AI

Claude

Questions, answered.

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.