Freedom Holding Corp (FRHC)vsHilltop Holdings Inc (HTH)
FRHC
Freedom Holding Corp
$148.51
-6.73%
FINANCIAL SERVICES · Cap: $8.47B
HTH
Hilltop Holdings Inc
$37.37
+0.65%
FINANCIAL SERVICES · Cap: $2.21B
Smart Verdict
WallStSmart Research — data-driven comparison
Freedom Holding Corp generates 29% more annual revenue ($1.63B vs $1.26B). HTH leads profitability with a 12.8% profit margin vs 9.4%. HTH trades at a lower P/E of 14.3x. HTH earns a higher WallStSmart Score of 56/100 (C).
FRHC
Avoid33
out of 100
Grade: F
HTH
Buy56
out of 100
Grade: C
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Revenue surging 146.7% year-over-year
Reasonable price relative to book value
Growing faster than its price suggests
Attractively priced relative to earnings
Areas to Watch
ROE of 0.2% — below average capital efficiency
Elevated debt levels
Premium valuation, high expectations priced in
Earnings declined 3.1%
ROE of 7.5% — below average capital efficiency
Revenue declined 3.4%
Earnings declined 1.5%
Negative free cash flow — burning cash
Comparative Analysis Report
WallStSmart ResearchBull Case : FRHC
The strongest argument for FRHC centers on Revenue Growth. Revenue growth of 146.7% demonstrates continued momentum.
Bull Case : HTH
The strongest argument for HTH centers on Price/Book, PEG Ratio, P/E Ratio. PEG of 0.61 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 55.1x leaves little room for execution misses. Debt-to-equity of 1.57 is elevated, increasing financial risk.
Bear Case : HTH
The primary concerns for HTH are Return on Equity, Revenue Growth, EPS Growth.
Key Dynamics to Monitor
FRHC profiles as a hypergrowth stock while HTH is a declining play — different risk/reward profiles.
HTH carries more volatility with a beta of 0.89 — expect wider price swings.
FRHC is growing revenue faster at 146.7% — sustainability is the question.
HTH generates stronger free cash flow (-134M), providing more financial flexibility.
Bottom Line
HTH scores higher overall (56/100 vs 33/100). Both earn "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 →Hilltop Holdings Inc
FINANCIAL SERVICES · FINANCIAL CONGLOMERATES · USA
Hilltop Holdings Inc. provides consumer and commercial banking and financial products and services. The company is headquartered in Dallas, Texas.
Visit Website →Compare with Other FINANCIAL CONGLOMERATES Stocks
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