WallStSmart

Freedom Holding Corp (FRHC)vsOrix Corp Ads (IX)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Orix Corp Ads generates 210065% more annual revenue ($3.13T vs $1.49B). IX leads profitability with a 15.0% profit margin vs 0.2%. IX trades at a lower P/E of 11.4x. IX earns a higher WallStSmart Score of 70/100 (B-).

FRHC

Avoid

21

out of 100

Grade: F

Growth: 4.7Profit: 4.5Value: 3.0Quality: 5.0
Piotroski: 2/9Altman Z: 0.93

IX

Strong Buy

70

out of 100

Grade: B-

Growth: 6.7Profit: 6.5Value: 7.3Quality: 7.0
Piotroski: 3/9Altman Z: 1.03
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

FRHCSignificantly Overvalued (-169828.6%)

Margin of Safety

-169828.6%

Fair Value

$0.07

Current Price

$145.84

$145.77 premium

UndervaluedFair: $0.07Overvalued
IXUndervalued (+70.8%)

Margin of Safety

+70.8%

Fair Value

$122.62

Current Price

$30.47

$92.15 discount

UndervaluedFair: $122.62Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

FRHC0 strengths · Avg: 0/10

No standout strengths identified

IX3 strengths · Avg: 9.3/10
P/E RatioValuation
11.4x10/10

Attractively priced relative to earnings

Price/BookValuation
1.2x10/10

Reasonable price relative to book value

EPS GrowthGrowth
36.6%8/10

Earnings expanding 36.6% YoY

Areas to Watch

FRHC4 concerns · Avg: 3.0/10
Return on EquityProfitability
0.2%3/10

ROE of 0.2% — below average capital efficiency

Profit MarginProfitability
0.2%3/10

0.2% margin — thin

Debt/EquityHealth
1.563/10

Elevated debt levels

Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

IX4 concerns · Avg: 2.5/10
Debt/EquityHealth
1.463/10

Elevated debt levels

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

PEG RatioValuation
2.722/10

Expensive relative to growth rate

Altman Z-ScoreHealth
1.032/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

Bull Case : FRHC

FRHC has a balanced fundamental profile.

Bull Case : IX

The strongest argument for IX centers on P/E Ratio, Price/Book, EPS Growth. Revenue growth of 12.5% demonstrates continued momentum.

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 : IX

The primary concerns for IX are Debt/Equity, Piotroski F-Score, PEG Ratio.

Key Dynamics to Monitor

FRHC carries more volatility with a beta of 0.85 — expect wider price swings.

IX is growing revenue faster at 12.5% — sustainability is the question.

Monitor FINANCIAL CONGLOMERATES industry trends, competitive dynamics, and regulatory changes.

Bottom Line

IX scores higher overall (70/100 vs 21/100) and 12.5% revenue growth. 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.

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Orix Corp Ads

FINANCIAL SERVICES · FINANCIAL CONGLOMERATES · USA

ORIX Corporation offers diversified financial services in Japan, America, Asia, Europe, Australasia, the Middle East, and internationally. The company is headquartered in Tokyo, Japan.

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