What is Freedom Holding's reserve for insurance claims?

Freedom Holding (FRHC) reported reserve for insurance claims of $462.42M in Q4 2025.

How has Freedom Holding's reserve for insurance claims changed year-over-year?

Freedom Holding's reserve for insurance claims increased by 41.9% year-over-year, from $325.85M to $462.42M.

What is the long-term trend for Freedom Holding's reserve for insurance claims?

Over 3 years (2022 to 2025), Freedom Holding's reserve for insurance claims has grown at a 56.5% compound annual growth rate (CAGR), from $98.44M to $376.97M.

Freedom Holding FRHC Reserve for insurance claims

Reserve for insurance claims at other companies

First American FinancialFAF

$1.17B-1.8%

The Hanover Insurance GroupTHG

$7.91B+4.0%

Kinsale Capital GroupKNSL

$3.06B+24.0%

Axis Capital HoldersAXS

$18.29B+4.6%

Jackson FinancialJXN

$68.7B+16.4%

AflacAFL

$5.42B-7.5%

Segments

By product

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Vehicle Owners$14.03M+88.1%

Civil Liability$8.37M-17.5%

Compulsory employer liability insurance$8.19M+47.0%

Property Damage$4.99M+3.1%

Life Insurance$4.63M-85.1%

Motor Vehicle$2.43M-34.3%

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

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:LiabilityForClaimsAndClaimsAdjustmentExpense.

The official record: Freedom Holding’s 10-Q, filed February 9, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Freedom Holding's reserve for insurance claims?: Freedom Holding (FRHC) reported reserve for insurance claims of $462.42M in Q4 2025.
How has Freedom Holding's reserve for insurance claims changed year-over-year?: Freedom Holding's reserve for insurance claims increased by 41.9% year-over-year, from $325.85M to $462.42M.
What is the long-term trend for Freedom Holding's reserve for insurance claims?: Over 3 years (2022 to 2025), Freedom Holding's reserve for insurance claims has grown at a 56.5% compound annual growth rate (CAGR), from $98.44M to $376.97M.