Freedom Holding Corp (FRHC)vsVoya Financial Inc (VOYA)
FRHC
Freedom Holding Corp
$145.84
+2.13%
FINANCIAL SERVICES · Cap: $8.74B
VOYA
Voya Financial Inc
$68.21
+0.52%
FINANCIAL SERVICES · Cap: $6.46B
Smart Verdict
WallStSmart Research — data-driven comparison
Voya Financial Inc generates 450% more annual revenue ($8.19B vs $1.49B). VOYA leads profitability with a 8.0% profit margin vs 0.2%. VOYA trades at a lower P/E of 10.8x. VOYA earns a higher WallStSmart Score of 70/100 (B).
FRHC
Avoid21
out of 100
Grade: F
VOYA
Strong Buy70
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
+74.4%
Fair Value
$294.37
Current Price
$68.21
$226.16 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
No standout strengths identified
Attractively priced relative to earnings
Reasonable price relative to book value
Earnings expanding 48.1% YoY
Areas to Watch
ROE of 0.2% — below average capital efficiency
0.2% margin — thin
Elevated debt levels
Weak financial health signals
8.0% margin — thin
Weak financial health signals
Comparative Analysis Report
WallStSmart ResearchBull Case : FRHC
FRHC has a balanced fundamental profile.
Bull Case : VOYA
The strongest argument for VOYA centers on P/E Ratio, Price/Book, EPS Growth. PEG of 1.19 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 : VOYA
The primary concerns for VOYA are Profit Margin, Piotroski F-Score.
Key Dynamics to Monitor
VOYA carries more volatility with a beta of 0.89 — expect wider price swings.
VOYA is growing revenue faster at 5.0% — 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
VOYA scores higher overall (70/100 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 →Voya Financial Inc
FINANCIAL SERVICES · FINANCIAL CONGLOMERATES · USA
Voya Financial, Inc. is a retirement, investment and employee benefits company in the United States. The company is headquartered in New York, New York.
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