Freedom Holding FRHC Percentage payout of incurred claims, year four

Percentage payout of incurred claims, year four at other companies

W.R. BerkleyWRB

16.4%+0.2pp

American International GroupAIG

13.2%-0.8pp

W.R. BerkleyWRB

7.4%+0.9pp

American International GroupAIG

14.8%-0.2pp

W.R. BerkleyWRB

13.5%+0.3pp

American International GroupAIG

1.8%+1.3pp

Segments

By product

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Life Insurance204.9%+208%

Property Damage22%-22.3%

Civil Liability4%-81.2%

Motor Vehicle3%-28.6%

Accident Insurance2.3%—

Compulsory employer liability insurance1.5%-70.6%

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

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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×—