WallStSmart

Freedom Holding Corp (FRHC)vsWells Fargo & Company (WFC)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Wells Fargo & Company generates 5349% more annual revenue ($81.14B vs $1.49B). WFC leads profitability with a 26.7% profit margin vs 0.2%. WFC trades at a lower P/E of 12.6x. WFC earns a higher WallStSmart Score of 74/100 (B).

FRHC

Avoid

21

out of 100

Grade: F

Growth: 4.7Profit: 4.5Value: 4.0Quality: 3.5
Piotroski: 2/9Altman Z: 0.93

WFC

Strong Buy

74

out of 100

Grade: B

Growth: 7.3Profit: 7.5Value: 6.3Quality: 5.8
Piotroski: 4/9Altman Z: 0.43

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

FRHC0 strengths · Avg: 0/10

No standout strengths identified

WFC6 strengths · Avg: 8.5/10
Market CapQuality
$249.77B10/10

Mega-cap, among the largest globally

Profit MarginProfitability
26.7%9/10

Keeps 27 of every $100 in revenue as profit

P/E RatioValuation
12.6x8/10

Attractively priced relative to earnings

Price/BookValuation
1.5x8/10

Reasonable price relative to book value

Operating MarginProfitability
29.4%8/10

Strong operational efficiency at 29.4%

Free Cash FlowQuality
$4.12B8/10

Generating 4.1B in free cash flow

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

WFC1 concerns · Avg: 2.0/10
Altman Z-ScoreHealth
0.432/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

Bull Case : FRHC

FRHC has a balanced fundamental profile.

Bull Case : WFC

The strongest argument for WFC centers on Market Cap, Profit Margin, P/E Ratio. Profitability is solid with margins at 26.7% and operating margin at 29.4%. PEG of 1.45 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 14760.0x leaves little room for execution misses. Debt-to-equity of 1.56 is elevated, increasing financial risk.

Bear Case : WFC

The primary concerns for WFC are Altman Z-Score.

Key Dynamics to Monitor

FRHC profiles as a value stock while WFC is a mature play — different risk/reward profiles.

WFC carries more volatility with a beta of 1.06 — expect wider price swings.

WFC is growing revenue faster at 5.7% — sustainability is the question.

WFC generates stronger free cash flow (4.1B), providing more financial flexibility.

Bottom Line

WFC scores higher overall (74/100 vs 21/100), backed by strong 26.7% margins. 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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Wells Fargo & Company

FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA

Wells Fargo & Company is an American multinational financial services company with corporate headquarters in San Francisco, California, operational headquarters in Manhattan, and managerial offices throughout the United States and overseas.

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