What is Freedom Holding's property damage — 4?

Freedom Holding (FRHC) reported property damage — 4 of 22% in Q1 2026.

What does property damage — 4 mean?

This metric represents the expense ratio for the property damage segment, measuring the operational costs of underwriting and administering policies relative to net earned premiums. It highlights the efficiency of the company's administrative and sales operations. When combined with the loss ratio, it provides the combined ratio, which measures overall segment profitability.

Freedom Holding FRHC Property Damage — 4

Other product segments

Life Insurance

204.9%+208%

Civil Liability

4%-81.2%

Motor Vehicle

3%-28.6%

Accident Insurance

2.3%—

Compulsory employer liability insurance

1.5%-70.6%

Vehicle Owners

1%-37.5%

Similar metrics at other companies

RNRProperty — Underwriting expense ratio

24.8%+6.2pp

RNRProperty — Loss Ratio

9.3%-121pp

ALLProperty Liability — Total

$12.76B-3.0%

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

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

EGBenefits, Losses and Expenses

$3.33B-17.0%

CINFCommercial Property Segment — 1

59.5%-0.1pp

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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearFour.

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 property damage — 4?: Freedom Holding (FRHC) reported property damage — 4 of 22% in Q1 2026.
What does property damage — 4 mean?: This metric represents the expense ratio for the property damage segment, measuring the operational costs of underwriting and administering policies relative to net earned premiums. It highlights the efficiency of the company's administrative and sales operations. When combined with the loss ratio, it provides the combined ratio, which measures overall segment profitability.