Freedom Holding Corp. (FRHC)

Kazakhstan brokerage, bank, insurer and digital ecosystem. Read October 19, 2026 from the annual report for the period ending March 31, 2026, filed June 1, 2026. Ranked 78 of the 88 Financial Services companies read so far, by the share within reach now.

Freedom Holding counts 11,846 employees at March 31, 2026 by segment, 1,981 in brokerage, 3,628 in banking, 1,107 in insurance and 5,130 in the Other segment's payments, ticketing, travel, grocery and other services, so the three financial segments take their counts (a) and the Other segment is split by description (c).

The figures on this page come from the company's own annual report and from BLS staffing patterns for its industries, never from a roster. They are estimates with a stated method. Nothing here says what the company will do: within reach is not a forecast of jobs lost or of savings.

What follows from the reading

Share of working time within reach of AI, on the long-run pace at four in five: 34% now, 49% at the end of 2027, 55% at the end of 2028, 57% at the end of 2030. By the patterns, the work is about 57% desk work, 24% people work and 20% body work. These are the site's industry estimates weighted by the shares below: estimates with a stated method and range, not a forecast of what the company will do. By the same patterns, at the end of 2028 about 43% of the working time stays with people (conversation, in-person and hands-on work), 47% becomes checking a model's work and 8% could be handed over with lighter checks, from the industries' own figures, not the company's roles.

Headcount

11,846 employees as of March 31, 2026 (sum of stated parts). The filing counts employees by segment, not by country; revenue is 84% Kazakhstan, 8% Armenia and 7% Cyprus, with the U.S. near zero.

The filing: “As of March 31, 2026, we had 11,627 full-time employees; by segment, Brokerage 1,981, Banking 3,628, Insurance 1,107 and Other 5,130 employees, 219 of them part-time, which sum to 11,846.”

The workforce as industry patterns

What the filing says about the workforce: 11,627 full-time and 219 part-time employees across 230 offices; the count rose from 8,691 a year earlier and 2,810 in 2022; the human capital section names technology, data, AI and product skills among its hiring priorities.

Companies read with the same leading pattern

Other companies whose largest staffing pattern is also Credit Intermediation and Related Activities (5221 and 5223 only), largest first, each read from its own annual report. Within reach now and at the end of 2028, long-run pace, four in five.

• JPMorgan Chase (JPM, 318,512 employees)37% now, 68% by 2028
• Citigroup (C, 226,000 employees)38% now, 68% by 2028
• Bank of America (BAC, 213,000 employees)39% now, 67% by 2028
• Wells Fargo (WFC, 205,000 employees)39% now, 67% by 2028
• Capital One Financial Corporation (COF, 76,300 employees)40% now, 66% by 2028
• U.S. Bancorp (USB, 68,520 employees)40% now, 66% by 2028
• The PNC Financial Services Group, Inc. (PNC, 55,333 employees)40% now, 66% by 2028
• Mastercard Incorporated (MA, 39,800 employees)40% now, 66% by 2028

What the filing says about AI

50 sentences in the filing name AI. The filing names big data analytics and predictive AI within its ecosystem to anticipate and address customer needs, and AI among the technology skills it seeks to attract and develop.

• “All statements, other than statements of historical fact, included herein and in the documents incorporated by reference in this annual report on Form 10-K are forward-looking statements, including statements regarding our strategic goals; plans to obtain licenses; key prospective markets; business strategy, including our strategy for entry into new business areas, such as the telecommunication...”
• “The following are some but not all of the factors that could cause actual results or events to differ materially from anticipated results or events : economic and political conditions in the regions where we operate or in which we have customers; current and future conditions in the global financial markets, including fluctuations in interest rates and foreign currency exchange rates; the direc...”
• “We strive to leverage big data analytics and predictive AI within our ecosystem to better understand, anticipate, and proactively address customer needs, thereby enhancing customer satisfaction, retention, and overall value.”
• “AI and Data-Driven Ecosystem .”
• “Big data, predictive modeling and machine learning are core to our strategy as an AI-driven firm while we scale and expand into new markets.”

Its annual reports, year by year

Sentences naming AI in each annual report, counted by one rule, beside the median report in the Index that year. Each count links its filing. Every company, by year and sector

• Fiscal 20210median 0
• Fiscal 20220median 0
• Fiscal 20230median 1
• Fiscal 202419median 4
• Fiscal 202550median 10

Headcount by filing year

As reported in each year's annual report, with the filing. A year marked not read had no figure the reading could take from the report's text.

Limits of this reading

• The Other segment's 5,130 employees span payments, ticketing, travel, grocery delivery, e-commerce and other services the filing describes without counting each, so their split is by description (c).
• The universe's count was the full-time 11,627; the segment counts sum to 11,846 with part-time employees (rule 2).
• The U.S. share is not stated; most employees are in Kazakhstan.

Source: the company's annual report on EDGAR, accession 0000924805-26-000012, the filing. Read by Claude Fable 5.1 under rubric version 1, by the method. A company can write to info@stratussc.com to have its reading checked against its filing.