Freedom Holding Corp (FRHC)vsHilltop Holdings Inc (HTH)
FRHC
Freedom Holding Corp
$145.84
+2.13%
FINANCIAL SERVICES · Cap: $8.74B
HTH
Hilltop Holdings Inc
$35.56
+0.62%
FINANCIAL SERVICES · Cap: $2.12B
Smart Verdict
WallStSmart Research — data-driven comparison
Freedom Holding Corp generates 17% more annual revenue ($1.49B vs $1.27B). HTH leads profitability with a 13.0% profit margin vs 0.2%. HTH trades at a lower P/E of 13.1x. HTH earns a higher WallStSmart Score of 69/100 (B-).
FRHC
Avoid21
out of 100
Grade: F
HTH
Strong Buy69
out of 100
Grade: B-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-169828.6%
Fair Value
$0.07
Current Price
$145.84
$145.77 premium
Margin of Safety
+68.3%
Fair Value
$123.55
Current Price
$35.56
$87.99 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
No standout strengths identified
Reasonable price relative to book value
Growing faster than its price suggests
Attractively priced relative to earnings
Earnings expanding 25.7% YoY
Areas to Watch
ROE of 0.2% — below average capital efficiency
0.2% margin — thin
Elevated debt levels
Weak financial health signals
4.9% revenue growth
ROE of 7.8% — below average capital efficiency
Negative free cash flow — burning cash
Comparative Analysis Report
WallStSmart ResearchBull Case : FRHC
FRHC has a balanced fundamental profile.
Bull Case : HTH
The strongest argument for HTH centers on Price/Book, PEG Ratio, P/E Ratio. PEG of 0.61 suggests the stock is reasonably priced for its growth.
Bear Case : FRHC
The primary concerns for FRHC are Return on Equity, Profit Margin, Debt/Equity. A P/E of 14280.0x leaves little room for execution misses. Debt-to-equity of 1.56 is elevated, increasing financial risk.
Bear Case : HTH
The primary concerns for HTH are Revenue Growth, Return on Equity, Free Cash Flow.
Key Dynamics to Monitor
HTH carries more volatility with a beta of 0.92 — expect wider price swings.
HTH is growing revenue faster at 4.9% — sustainability is the question.
FRHC generates stronger free cash flow (652M), providing more financial flexibility.
Monitor FINANCIAL CONGLOMERATES industry trends, competitive dynamics, and regulatory changes.
Bottom Line
HTH scores higher overall (69/100 vs 21/100). Both earn "Strong Buy" and "Avoid" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Freedom Holding Corp
FINANCIAL SERVICES · FINANCIAL CONGLOMERATES · USA
Freedom Holding Corp. The company is headquartered in Almaty, Kazakhstan.
Visit Website →Hilltop Holdings Inc
FINANCIAL SERVICES · FINANCIAL CONGLOMERATES · USA
Hilltop Holdings Inc. provides consumer and commercial banking and financial products and services. The company is headquartered in Dallas, Texas.
Visit Website →Compare with Other FINANCIAL CONGLOMERATES Stocks
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