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Freedom Holding Corp
Freedom Holding Corp (FRHC) investor relations material
Freedom Holding Corp Q3 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2026 earnings summary9 Feb, 2026
Executive summary
Total revenue for the quarter ended December 31, 2025, was $628.6 million, down 5% year-over-year, mainly due to lower insurance premiums and trading gains.
Net income for the quarter was $76.2 million, a 2% decrease from the prior year, with strong contributions from Brokerage and Banking segments.
Basic EPS was $1.27 for Q3 and $2.43 for the nine months; diluted EPS was $1.25 and $2.38, respectively.
The company’s total assets grew to $12.4 billion as of December 31, 2025, from $9.9 billion at March 31, 2025.
Brokerage customers increased by 145,000 to 828,000; banking customers rose by 2 million to 4.5 million over nine months.
Financial highlights
Fee and commission income for the quarter was $126.1 million, down 12% year-over-year, mainly due to lower banking service fees and payment processing.
Net gain on trading securities was $43.5 million, a 51% decrease, reflecting lower unrealized gains.
Interest income rose 2% to $228.8 million, driven by higher loan and margin lending volumes.
Insurance premiums earned, net of reinsurance, fell 40% to $106.9 million due to regulatory caps on agent commissions.
Net gain on foreign exchange operations was $45.8 million in Q3, up from $3.9 million year-over-year.
Outlook and guidance
Management expects continued growth in digital ecosystem and telecommunications, with significant capital expenditures planned for telecom infrastructure.
No cash dividends are anticipated in the near term as earnings are retained for business expansion.
The company believes current liquidity and capital resources are sufficient for ongoing operations and planned investments.
Forward-looking statements highlight economic, business, and regulatory risks that could impact future results.
How does new KZ tax code affect profitability?
Telecom segment capital expenditure outlook
Brokerage revenue concentration risk
Impact of regulatory cap on insurance commissions
Effect of cashback program on banking revenue
Reason for significant restricted cash increase
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Next Freedom Holding Corp earnings date
Q4 202612 Jun, 2026
Freedom Holding Corp
Next Freedom Holding Corp earnings date
Q4 202612 Jun, 2026
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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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