What is Freedom Holding's vehicle owners — 3?

Freedom Holding (FRHC) reported vehicle owners — 3 of 2% in Q1 2026.

What does vehicle owners — 3 mean?

The ratio of insurance claims costs to the premiums earned, showing underwriting profitability.

How do you interpret vehicle owners — 3?

A lower ratio is better, indicating higher underwriting margins and effective risk selection.

How does vehicle owners — 3 compare across companies?

Standard 'Loss Ratio' used globally to compare underwriting performance across insurance peers.

Freedom Holding FRHC Vehicle Owners — 3

Other product segments

Property Damage

30%-8.0%

Civil Liability

11%+96.4%

Motor Vehicle

4%-20.0%

Accident Insurance

2.2%-86.7%

Compulsory employer liability insurance

2%-66.7%

Similar metrics at other companies

ACGLInsurance — Loss ratio

60.2%-5.8pp

RNRProperty — Loss Ratio

9.3%-121pp

RNROperating Segments — Loss Ratio

23.3%-51.7pp

ACGLOperating Segments — Loss Ratio

51.7%-1.4pp

ACGLOther — Loss ratio

0%—

ACGLUnderwriting Segments — Loss ratio

12.6%—

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

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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 →

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Questions, answered.

What is Freedom Holding's vehicle owners — 3?: Freedom Holding (FRHC) reported vehicle owners — 3 of 2% in Q1 2026.
What does vehicle owners — 3 mean?: The ratio of insurance claims costs to the premiums earned, showing underwriting profitability.
How do you interpret vehicle owners — 3?: A lower ratio is better, indicating higher underwriting margins and effective risk selection.
How does vehicle owners — 3 compare across companies?: Standard 'Loss Ratio' used globally to compare underwriting performance across insurance peers.