Freedom Holding Corp (FRHC)vsHilltop Holdings Inc (HTH)
FRHC
Freedom Holding Corp
$175.55
-0.40%
FINANCIAL SERVICES · Cap: $11.58B
HTH
Hilltop Holdings Inc
$36.68
+0.05%
FINANCIAL SERVICES · Cap: $2.11B
Smart Verdict
WallStSmart Research — data-driven comparison
Freedom Holding Corp generates 38% more annual revenue ($1.75B vs $1.27B). HTH leads profitability with a 12.7% profit margin vs 8.4%. HTH trades at a lower P/E of 13.7x. HTH earns a higher WallStSmart Score of 66/100 (B-).
FRHC
Avoid35
out of 100
Grade: F
HTH
Strong Buy66
out of 100
Grade: B-
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Revenue surging 27.8% year-over-year
Reasonable price relative to book value
Growing faster than its price suggests
Attractively priced relative to earnings
Areas to Watch
Elevated debt levels
Premium valuation, high expectations priced in
Earnings declined 14.8%
Negative free cash flow — burning cash
ROE of 7.5% — below average capital efficiency
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : FRHC
The strongest argument for FRHC centers on Revenue Growth. Revenue growth of 27.8% demonstrates continued momentum.
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 Debt/Equity, P/E Ratio, EPS Growth. A P/E of 72.0x leaves little room for execution misses. Debt-to-equity of 1.82 is elevated, increasing financial risk.
Bear Case : HTH
The primary concerns for HTH are Return on Equity, Altman Z-Score.
Key Dynamics to Monitor
FRHC profiles as a growth stock while HTH is a value play — different risk/reward profiles.
HTH carries more volatility with a beta of 0.89 — expect wider price swings.
FRHC is growing revenue faster at 27.8% — sustainability is the question.
HTH generates stronger free cash flow (504M), providing more financial flexibility.
Bottom Line
HTH scores higher overall (66/100 vs 35/100). 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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