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Freedom Holding (FRHC) investor relations material
Freedom Holding Q1 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q1 2026 earnings summary8 Aug, 2025
Executive summary
Total net revenue for the quarter ended June 30, 2025, was $533.4 million, up 17% year-over-year, driven by insurance, banking, and a turnaround in trading securities gains.
Net income for the quarter was $30.4 million, down 11% from the prior year, with segment contributions led by Brokerage and Banking.
Customer growth continued, with 725,000 brokerage, 2,927,000 banking, and 1,396,000 insurance customers as of June 30, 2025.
The company completed the acquisition of Astel Group Ltd. to expand its telecommunications business in Kazakhstan.
Continued investment in technology and expansion in Central Asia and Europe.
Financial highlights
Insurance premiums earned, net of reinsurance, rose 18% to $153.3 million, driven by pension annuity and accident insurance growth.
Net gain on trading securities was $45.6 million, reversing a $52.1 million loss in the prior year, mainly due to Kazakhstan sovereign bond price increases.
Fee and commission income fell 7% to $107.6 million, mainly due to lower bank services and payment processing income.
Interest income declined 12% to $198.6 million, reflecting a lower trading securities portfolio, partially offset by higher loan and margin lending income.
Operating cash flow totaled $480.8 million for the quarter.
Outlook and guidance
Management continues to prioritize digital ecosystem expansion, including telecom and media, and expects ongoing customer growth in core markets.
Capital expenditures for telecom expansion are expected to be funded by a mix of internal funds and recent bond issuances.
No cash dividends are anticipated in the foreseeable future as earnings are retained for growth and development.
Impact of trading gains on net income?
Rationale for related party loans?
Why 1% brokerage revenue growth despite accounts?
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Next Freedom Holding earnings date
Q2 20267 Nov, 2025
Next Freedom Holding earnings date
Q2 20267 Nov, 2025
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Frequently asked questions
Freedom Holding Corp. (FRHC) is a diversified financial services firm with a strong presence in Central Asia and Eastern Europe. The company, through its subsidiaries, offers a wide range of services including retail securities brokerage, research, investment counseling, securities trading, market making, retail banking, corporate investment banking, and underwriting services. Its retail brokerage services cover exchange-traded and over-the-counter corporate equity and debt securities, money market instruments, exchange-traded options and futures contracts, government bonds, and mutual funds. Freedom Holding Corp. also provides margin lending, investment education and training courses, investment research services, and commercial banking services, which encompass payment cards, digital mortgages, and business and auto loans. Additionally, the company offers capital raising solutions for corporate clients through initial public offerings and follow-on offerings, as well as debt capital markets solutions. It facilitates repurchase and reverse repurchase agreements in proprietary trading activities and provides insurance products and a proprietary trading and investment services platform, Tradernet. The company is headquartered in Almaty, Kazakhstan, and its shares are listed on the Nasdaq.
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