NEW YORK, USA, November 11th, 2026, FinanceWire

Freedom Finance Insurance has received a credit rating upgrade from S&P Global Ratings, reflecting its growing share of Kazakhstan’s insurance market, stronger financial results and improved capital position. The company has moved from 11th to third place in the country’s non-life insurance sector since 2022, while its market share has risen to 9.7%.

S&P Global Ratings has upgraded the long-term issuer credit and financial strength ratings of Freedom Finance Insurance JSC, part of Nasdaq-listed Freedom Holding Corp. (NASDAQ: FRHC), from ‘BB-’ to ‘BB’. The outlook is stable.

The agency also raised the insurer’s Kazakhstan national-scale rating from ‘kzA-’ to ‘kzA+’, citing its stronger market position, improved operating performance and growing capital base.

One of the main reasons for the upgrade is Freedom Insurance’s rapid growth in Kazakhstan. The company now ranks third in the country’s non-life insurance market, compared with 11th place in 2022. For 2026-2029, the agency forecasts a combined ratio of around 90% and annual net profit of between KZT 11 billion and KZT 16 billion.

The insurer has also strengthened its capital position. In 2026, its capital reached KZT 52 billion (approximately $110 million), up from KZT 35 billion (about $69 million) in 2025.

According to S&P, the stronger capital base should help Freedom Insurance support further growth while maintaining its financial stability. The agency expects the company’s risk-based capital adequacy to remain above its 99.8% confidence-level threshold through 2028, taking into account a KZT 8 billion capital injection in 2026.

S&P also describes the insurer’s investment portfolio as conservative. The company invests primarily in Kazakhstan’s sovereign and quasi-sovereign securities, with an average credit rating of ‘BBB’.

An Important Part of Freedom Holding

S&P continues to regard Freedom Insurance as a strategically important subsidiary of Freedom Holding Corp., which owns the insurer through its Kazakhstan brokerage subsidiary, Freedom Finance JSC.

Insurance plays an important role in the group’s wider business strategy. Alongside banking, brokerage and other financial services, it forms part of the range of products Freedom offers to customers as it develops its financial ecosystem.

The agency expects Freedom Insurance to continue growing and diversifying its business while maintaining strong profitability and capital levels.

At the same time, S&P notes that the insurer still has some ground to make up before it can close the gap with Kazakhstan’s two largest non-life insurance companies. Maintaining its current profitability as it expands will therefore remain important.

Stable Outlook

The stable outlook reflects S&P’s expectation that Freedom Insurance will continue to strengthen its business over the next 12 months without putting undue pressure on its capital position.

The agency could consider another upgrade if the insurer significantly improves its competitive position while keeping its operating performance and capital adequacy in line with expectations.

For now, S&P expects Freedom Insurance to maintain healthy earnings, a stable balance sheet and sufficient capital to support its continued expansion.

About Freedom Holding Corp.

Freedom Holding Corp. provides financial services in 24 countries, including Kazakhstan, the United States, multiple EU countries, Uzbekistan, and Armenia. The Company’s principal executive office is located in New York City. In Kazakhstan, Freedom is actively developing its financial and digital ecosystem, which includes Freedom Bank, Freedom Broker, the insurance companies Freedom Life and Freedom insurance, as well as a lifestyle segment that features Arbuz.kz, Freedom Ticketon, and Aviata. Freedom Holding Corp. shares are traded on the U.S. technology exchange NASDAQ, the Kazakhstan Stock Exchange (KASE), and the Astana International Exchange (AIX) under the ticker symbol FRHC.

Freedom Holding Corp. is regulated by the U.S. Securities and Exchange Commission (SEC) and the common stock is included in the Russell 3000 Index.

Contact

Head of Public Relations
Natalia Kharlashina
Freedom Holding Corp.
prglobal@ffin.kz
+77013641454

The walking tumbler combines a slide-out water bowl, a push-button water release, and optional treat and waste-bag containers in one stackable design.

Guri-si, South Korea, 11th Nov 2026 — Anyone who walks a dog knows the routine: a water bottle in one hand, a bowl in a pocket, treats in a bag, and a roll of waste bags clipped to the leash. PetByPet, a pet lifestyle brand from South Korean company PETODAY, started from a simple question: what if everything needed for a walk fit into one bottle?

The answer is the Slide Dangbler, an all-in-one walking tumbler that brings water, treats, and waste bags together in a single, stackable design. It is PetByPet’s second in-house product, following the original Dangbler, and appears on the brand’s English-language website as the Slide TrailBottle. The company is now preparing it for U.S. dog owners as part of its overseas expansion.

The Slide Dangbler is built around how owners give water on the go. Instead of pouring into a separate bowl, the owner slides a water tray out from the body of the bottle and presses the button at the top to release water into it. When the dog has finished, the tray slides back into the bottle, so there is no separate bowl to carry.

Below the bottle, containers can be added or removed depending on the walk. Owners can attach a treat container with a small side door for quick rewards, a waste-bag holder, or both. PetByPet calls this a “bespoke” design: owners rebuild the same tumbler around the walk they are about to take.

The tumbler reflects PetByPet’s focus on small, practical problems. “We design every product around one question: how do we make everyday life with a dog simpler, safer, and more enjoyable for both pets and their people?” the company says. Its product line also includes Dangvian, an alkaline drinking water for dogs, and scented waste bags.

According to PetByPet, more than 10,000 of its tumblers have been sold. The brand’s products have been funded on crowdfunding platforms including Wadiz in South Korea, Makuake in Japan, and zeczec in Taiwan.

For its overseas expansion, PetByPet has built a new English-language website and is developing English-language packaging for international shelves. The company plans to expand sales through Amazon in the United States while preparing additional channels in Japan and Southeast Asia.

PetByPet sums up its aim in a short brand line: “Better Choices, Better Pet Life.” For the brand, a better walk starts with less to carry and fewer things to worry about, so owners can focus on the time they spend with their dogs.

More information about PetByPet is available at www.petbypet.co.kr. 

Media Contact

Organization: PETODAY Inc.

Contact Person: Sungho Lee, CEO

Website: https://www.petbypet.co.kr

Email: Send Email

City: Guri-si

Country: South Korea

Release id: 50657

View source version on King Newswire:
One Bottle for the Whole Walk: PetByPet’s All-in-One Slide Dangler for U.S. Dog Owners

The intention of this article is to provide general awareness on booking safaris and Kilimanjaro climbs. Current travel news to plan Tanzania wildlife safaris and Kilimanjaro travel advisory includes wildlife destinations, safari seasons and important travel tips for Kilimanjaro tours online booking for 2027 and 2028

Arusha, Tanzania, 11th Nov 2026 – First of all, the 2026 world travel awards winners mentioned several natural wonders and hence it is the 2027 spotlight places to go. Let’s speak of the National parks and reserves, starting with Nyerere National park was winner of 2026 Africa most scenic national Park. And previously, Serengeti National Park, Ngorongoro conservation area and Mount Kilimanjaro capture world travel places in 2025. Wildlife conservation experts and communities near these attractions participate in nature-environmental protection, as a module of ecotourism. Nevertheless, conservation stakeholders like Tour Operators and international organizations, like frankfurt zoological society are part of the success of natural resource protection. 

Therefore, the achievements are measurable in which Tanzania has the largest number of lions, cheetah, elephants and all big 5 at large. Additionally, wildebeest major season events that consists of Grumet river crossing, Mara river crossing and Calving season, inspires safari goers to choose Tanzania over other attractions. Therefore Tanzania is a best value destination for your money and vacation time. 

Mount Kilimanjaro is another iconic attraction in the world where people climb and get different experiences. First of all, this is the world heritage site, Man & biosphere reserve that benefits both local community and international travellers. For the local people around Mount Kilimanjaro, is the Chagga community that inhabited its foothills and Maasai in the western side. Visitors experience chagga agroforest traditional farming system and land ownership known as Kihamba. Mount Kilimanjaro water and ecosystem helps people to live in harmony with the mountain environment conservation. Therefore, on the first day of trek, climbers experience the culture and tradition. 

Travel tips for booking wildlife safaris specifically compose of Tanzania safari seasons, And hence the best time to go. Also, you must consider the accommodation level of comfort, and style, to choose either camping style or Lodge option. There are many mid-range priced safari camps, and many premium safari lodges. And finally explore the wildebeest migration seasons, there is northward wildebeest movement and ends with mara river crossing. And another South East movement from Masai Mara and will result in the wildebeest calving season. These Wildebeest trends happen in different weather and hence each safari season needs a particular safari clothes packing list.

Samewise, mountain climbing tips help prepare well before the strenuous Kilimanjaro summit hike. Depending on lifestyle and mountaineering experience, several approaches to climbing training are needed. Those first- time hikers and those people who reside at lowlands need to begin with gym exercise, and then practice outdoor jogging. Those people who live in areas of high altitude have the advantage of outdoor hiking. And on site methods to acclimatize for success summit rates are to drink enough water from 3 to 5 litres per day. And during the climbing journey, guides lead the slow trekking journey to enjoy Mount Kilimanjaro scenery, acclimatize better and avoid fatigue. Therefore, slow journey recommended routes Kilimanjaro travel packages are Rongai 7 days, Lemosho route 8 days and the Northern circuit route. 

Tanzania tour excursions and extra adventures adds value to yourTanzania wildlife safaris. Tour excursions to add are cultural tourism experience in the maasai villages and hadzabe. Other things to do especially in Serengeti are hot air balloon safaris and golf course sports. Furthermore, MICE and corporate convention meeting venues enjoy the natural attractions near Arusha city. Arusha city nearby attractions for day tours are Arusha National park, Tarangire and Ngorongoro crater. Visitors who seek MICE services for  corporate meetings have to consider Arusha city in Tanzania.

Kilimanjaro Tanzanite Safaris is a top-rated Tour operator due to the best value Tanzania safari tours and Kilimanjaro treks. The best reviews at the Chinese RedNote  and TripAdvisor depict how the customers were satisfied. Additionally, the Company helps the visitors get the enjoyable tropical beach experience. Tourists can do both Tanzania safari and Zanzibar beach tour. Online booking options enable fly safari to begin a Tanzania trip  from Zanzibar to Serengeti. Another fly-safari is a fly package from Zanzibar to Nyerere National park. And finally has online safari request form to contact safari consultant and begin your safari booking.

Media Contact

Organization: Kili Tanzanite Safaris Company

Contact Person: Andrew Mseri

Website: https://www.kili-tanzanitesafaris.com/

Email: Send Email

Contact Number: +255767811095

Address: Africa Mashariki road 1215 A104 Arusha AICC Conference Centre, Arusha 00255

Address 2: 2nd Floor, room 243, Serengeti Wing,

City: Arusha

State: Arusha

Country: Tanzania

Release id: 50661

View source version on King Newswire:
Travel tips for booking wildlife safaris, and Kilimanjaro climbing advisory news