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?

This metric represents the loss ratio for the vehicle insurance segment, calculated as incurred losses divided by earned premiums. It is the fundamental measure of underwriting profitability for the insurance business. A lower ratio indicates that the company is effectively pricing its risk and managing claims.

Freedom Holding (FRHC) Vehicle Owners — 3

Screener

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

WTMSpecialty — 3

13.2%+2.3pp

HIPOCasualty Lines — 3

15%—

HIPOProperty Lines — 3

4%—

HGBermuda - Casualty — 3

12%+1.0pp

HGBermuda - Property — 3

13%0.0pp

HGBermuda - Specialty — 3

14%0.0pp

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	67%	29%	2%	1%	—%	—%	—%	—%	1%

ITEM 8. FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA

FAQ

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?: This metric represents the loss ratio for the vehicle insurance segment, calculated as incurred losses divided by earned premiums. It is the fundamental measure of underwriting profitability for the insurance business. A lower ratio indicates that the company is effectively pricing its risk and managing claims.