WallStSmart

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

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Orix Corp Ads generates 197377% more annual revenue ($3.46T vs $1.75B). IX leads profitability with a 17.9% profit margin vs 8.4%. IX trades at a lower P/E of 10.9x. IX earns a higher WallStSmart Score of 72/100 (B).

FRHC

Avoid

35

out of 100

Grade: F

Growth: 6.7Profit: 5.0Value: 4.0Quality: 3.5
Piotroski: 4/9Altman Z: 0.84

IX

Strong Buy

72

out of 100

Grade: B

Growth: 8.0Profit: 6.5Value: 5.7Quality: 5.0
Piotroski: 5/9Altman Z: 1.21

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

FRHC1 strengths · Avg: 8.0/10
Revenue GrowthGrowth
27.8%8/10

Revenue surging 27.8% year-over-year

IX5 strengths · Avg: 9.2/10
P/E RatioValuation
10.9x10/10

Attractively priced relative to earnings

Price/BookValuation
1.5x10/10

Reasonable price relative to book value

EPS GrowthGrowth
170.6%10/10

Earnings expanding 170.6% YoY

Operating MarginProfitability
21.5%8/10

Strong operational efficiency at 21.5%

Revenue GrowthGrowth
17.4%8/10

17.4% revenue growth

Areas to Watch

FRHC4 concerns · Avg: 2.5/10
Return on EquityProfitability
0.2%3/10

ROE of 0.2% — below average capital efficiency

Debt/EquityHealth
1.823/10

Elevated debt levels

P/E RatioValuation
67.5x2/10

Premium valuation, high expectations priced in

EPS GrowthGrowth
-14.8%2/10

Earnings declined 14.8%

IX3 concerns · Avg: 2.3/10
Debt/EquityHealth
1.343/10

Elevated debt levels

PEG RatioValuation
2.722/10

Expensive relative to growth rate

Altman Z-ScoreHealth
1.212/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

Bull Case : FRHC

The strongest argument for FRHC centers on Revenue Growth. Revenue growth of 27.8% demonstrates continued momentum.

Bull Case : IX

The strongest argument for IX centers on P/E Ratio, Price/Book, EPS Growth. Profitability is solid with margins at 17.9% and operating margin at 21.5%. Revenue growth of 17.4% demonstrates continued momentum.

Bear Case : FRHC

The primary concerns for FRHC are Return on Equity, Debt/Equity, P/E Ratio. A P/E of 67.5x leaves little room for execution misses. Debt-to-equity of 1.82 is elevated, increasing financial risk.

Bear Case : IX

The primary concerns for IX are Debt/Equity, PEG Ratio, Altman Z-Score.

Key Dynamics to Monitor

IX carries more volatility with a beta of 0.71 — expect wider price swings.

FRHC is growing revenue faster at 27.8% — sustainability is the question.

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

Bottom Line

IX scores higher overall (72/100 vs 35/100), backed by strong 17.9% margins and 17.4% 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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