Freedom Holding Corp (FRHC)vsVoya Financial Inc (VOYA)
FRHC
Freedom Holding Corp
$165.50
+1.70%
FINANCIAL SERVICES · Cap: $10.33B
VOYA
Voya Financial Inc
$103.41
+0.72%
FINANCIAL SERVICES · Cap: $9.32B
Smart Verdict
WallStSmart Research — data-driven comparison
Voya Financial Inc generates 366% more annual revenue ($8.17B vs $1.75B). FRHC leads profitability with a 8.4% profit margin vs 7.5%. VOYA trades at a lower P/E of 17.4x. VOYA earns a higher WallStSmart Score of 47/100 (D+).
FRHC
Avoid35
out of 100
Grade: F
VOYA
Hold47
out of 100
Grade: D+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Revenue surging 27.8% year-over-year
Attractively priced relative to earnings
Reasonable price relative to book value
Areas to Watch
ROE of 0.2% — below average capital efficiency
Elevated debt levels
Premium valuation, high expectations priced in
Earnings declined 14.8%
7.5% margin — thin
Revenue declined 4.3%
Earnings declined 41.6%
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 : VOYA
The strongest argument for VOYA centers on P/E Ratio, Price/Book. 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, 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 : VOYA
The primary concerns for VOYA are Profit Margin, Revenue Growth, EPS Growth.
Key Dynamics to Monitor
FRHC profiles as a growth stock while VOYA is a value play — different risk/reward profiles.
VOYA 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.
VOYA generates stronger free cash flow (503M), providing more financial flexibility.
Bottom Line
VOYA scores higher overall (47/100 vs 35/100). Both earn "Hold" 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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