WallStSmart

Freedom Holding Corp (FRHC)vsLendingtree Inc (TREE)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Freedom Holding Corp generates 33% more annual revenue ($1.49B vs $1.12B). TREE leads profitability with a 13.5% profit margin vs 0.2%. TREE trades at a lower P/E of 4.0x. TREE earns a higher WallStSmart Score of 72/100 (B).

FRHC

Avoid

21

out of 100

Grade: F

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

TREE

Strong Buy

72

out of 100

Grade: B

Growth: 6.7Profit: 7.0Value: 7.3Quality: 5.0
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
TREEUndervalued (+91.7%)

Margin of Safety

+91.7%

Fair Value

$504.50

Current Price

$42.49

$462.00 discount

UndervaluedFair: $504.50Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

FRHC0 strengths · Avg: 0/10

No standout strengths identified

TREE4 strengths · Avg: 9.0/10
P/E RatioValuation
4.0x10/10

Attractively priced relative to earnings

Return on EquityProfitability
76.5%10/10

Every $100 of equity generates 77 in profit

Price/BookValuation
2.0x8/10

Reasonable price relative to book value

Revenue GrowthGrowth
22.2%8/10

Revenue surging 22.2% year-over-year

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

TREE2 concerns · Avg: 2.5/10
Market CapQuality
$591.64M3/10

Smaller company, higher risk/reward

PEG RatioValuation
3.552/10

Expensive relative to growth rate

Comparative Analysis Report

WallStSmart Research

Bull Case : FRHC

FRHC has a balanced fundamental profile.

Bull Case : TREE

The strongest argument for TREE centers on P/E Ratio, Return on Equity, Price/Book. Revenue growth of 22.2% 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 : TREE

The primary concerns for TREE are Market Cap, PEG Ratio.

Key Dynamics to Monitor

FRHC profiles as a value stock while TREE is a growth play — different risk/reward profiles.

TREE carries more volatility with a beta of 2.30 — expect wider price swings.

TREE is growing revenue faster at 22.2% — sustainability is the question.

FRHC generates stronger free cash flow (652M), providing more financial flexibility.

Bottom Line

TREE scores higher overall (72/100 vs 21/100) and 22.2% 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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Lendingtree Inc

FINANCIAL SERVICES · FINANCIAL CONGLOMERATES · USA

LendingTree, Inc., through its subsidiary, LT Intermediate Company, LLC, operates an online consumer platform in the United States. The company is headquartered in Charlotte, North Carolina.

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