What is Freedom Holding's vehicle owners — 4?

Freedom Holding (FRHC) reported vehicle owners — 4 of 1% in Q1 2026.

What does vehicle owners — 4 mean?

This metric represents the combined ratio for the vehicle insurance segment, which includes both the loss ratio and the expense ratio. It provides a comprehensive view of the total profitability of the insurance operations, including administrative and acquisition costs. A ratio below 100% indicates that the insurance segment is generating an underwriting profit.

Freedom Holding (FRHC) Vehicle Owners — 4

Screener

Other product segments

Life Insurance

204.9%+208%

Property Damage

22%-22.3%

Civil Liability

4%-81.2%

Motor Vehicle

3%-28.6%

Accident Insurance

2.3%—

Compulsory employer liability insurance

1.5%-70.6%

Similar metrics at other companies

WTMSpecialty — 4

8.7%+3.8pp

HIPOCasualty Lines — 4

10%—

HIPOProperty Lines — 4

3%—

HGBermuda - Casualty — 4

15%-1.0pp

HGBermuda - Property — 4

10%-1.0pp

HGBermuda - Specialty — 4

13%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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearFour.

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 — 4?: Freedom Holding (FRHC) reported vehicle owners — 4 of 1% in Q1 2026.
What does vehicle owners — 4 mean?: This metric represents the combined ratio for the vehicle insurance segment, which includes both the loss ratio and the expense ratio. It provides a comprehensive view of the total profitability of the insurance operations, including administrative and acquisition costs. A ratio below 100% indicates that the insurance segment is generating an underwriting profit.