X0202 SCHEDULE 13D/A 0001654954-17-010664 0001658629 XXXXXXXX LIVE 4 Common Stock, $.001 par value per share 09/16/2026 false 0000924805 356390104 Freedom Holding Corp.

40 Wall Street, 58th Floor New York NY 10005

Timur R. Turlov (212) 980-4400 40 Wall Street 58th Floor New York NY 10005 0001658629 Turlov Timur R OO 1P 41405112 0 41405112 0 41405112 N 64.91 IN Common Stock, $.001 par value per share Freedom Holding Corp. 40 Wall Street, 58th Floor New York NY 10005 Timur R. Turlov 40 Wall Street, 58th Floor, New York, NY 10005 Chief Executive Officer and Chairman of the Board of Directors of Freedom Holding Corp. None. None. Kazakhstan The information contained on the cover pages to this Amendment No. 4 and the information set forth in Items 4, 5 and 6 hereof are incorporated by reference herein. Item 3 of the Schedule 13D is hereby amended and supplemented as follows: Between the date of Amendment No. 3 and the date of the filing of this Amendment No. 4, the Reporting Person transferred, as a bona fide gift, an aggregate of 1,000,000 shares of common stock, $.001 par value per share of Freedom Holding Corp. to Askar Tashtitov. The information contained on the cover pages to this Amendment No. 4 and the information set forth in Items 3, 5 and 6 hereof are incorporated by reference herein and Item 4 of Schedule 13D is hereby amended and supplemented as follows. On September 16, 2026, the Reporting Person transferred, as a bona fide gift, an aggregate of 1,000,000 shares of common stock, $.001 par value per share of Freedom Holding Corp. to Askar Tashtitov. As of the date hereof, the Reporting Person beneficially owns 41,405,112 shares, or approximately 64.91% of the issued and outstanding common stock of the Issuer, based upon the records of the Issuer's transfer agent as of September 11, 2026. The Reporting Person has the sole power to vote or direct the vote and the sole power to dispose or to direct the disposal of all 41,405,112 shares of common stock he beneficially owns. Other than as disclosed herein, during the past 60 days, the Reporting Person has not made any purchases of common stock of the Issuer. No other person is known to have the right to receive or the power to direct the receipt of dividends from, or the proceeds from the sale of the shares. Not Applicable. The information contained on the cover pages to this Amendment No. 4 and the information set forth in Items 3, 4 and 5 hereof are incorporated by reference herein and Item 6 of the original Schedule 13D is amended and restated as follows: Except as disclosed in this Amendment No. 4, there are no contracts, arrangements, understandings or relationships (legal or otherwise) between the Reporting Person and any other person with respect to any securities of the Issuer, including but not limited to transfer or voting of any securities, finder's fees, joint ventures, loan or option arrangements, puts or calls, guarantees of profits, division of profits or losses, or the giving or withholding of proxies. Turlov Timur R /s/ Timur R. Turlov 09/18/2026