WallStSmart

Freedom Holding Corp (FRHC)vsBRC Group Holdings, Inc. (RILYL)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Freedom Holding Corp generates 64% more annual revenue ($1.75B vs $1.07B). RILYL leads profitability with a 38.6% profit margin vs 8.4%. RILYL trades at a lower P/E of 2.2x. FRHC earns a higher WallStSmart Score of 35/100 (F).

FRHC

Avoid

35

out of 100

Grade: F

Growth: 6.7Profit: 5.0Value: 4.0Quality: 3.5
Piotroski: 4/9Altman Z: 0.84

RILYL

Avoid

30

out of 100

Grade: F

Growth: 4.0Profit: 9.0Value: 6.7Quality: 4.5
Piotroski: 5/9Altman Z: 0.64

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

FRHC1 strengths · Avg: 8.0/10
Revenue GrowthGrowth
27.8%8/10

Revenue surging 27.8% year-over-year

RILYL3 strengths · Avg: 10.0/10
P/E RatioValuation
2.2x10/10

Attractively priced relative to earnings

Return on EquityProfitability
276.7%10/10

Every $100 of equity generates 277 in profit

Profit MarginProfitability
38.6%10/10

Keeps 39 of every $100 in revenue as profit

Areas to Watch

FRHC4 concerns · Avg: 2.5/10
Return on EquityProfitability
0.2%3/10

ROE of 0.2% — below average capital efficiency

Debt/EquityHealth
1.823/10

Elevated debt levels

P/E RatioValuation
67.5x2/10

Premium valuation, high expectations priced in

EPS GrowthGrowth
-14.8%2/10

Earnings declined 14.8%

RILYL4 concerns · Avg: 2.0/10
Market CapQuality
$536.57M3/10

Smaller company, higher risk/reward

EPS GrowthGrowth
-90.0%2/10

Earnings declined 90.0%

Altman Z-ScoreHealth
0.642/10

Distress zone — elevated risk

Debt/EquityHealth
9.311/10

Elevated debt levels

Comparative Analysis Report

WallStSmart Research

Bull Case : FRHC

The strongest argument for FRHC centers on Revenue Growth. Revenue growth of 27.8% demonstrates continued momentum.

Bull Case : RILYL

The strongest argument for RILYL centers on P/E Ratio, Return on Equity, Profit Margin. Profitability is solid with margins at 38.6% and operating margin at 11.8%. Revenue growth of 10.4% demonstrates continued momentum.

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 : RILYL

The primary concerns for RILYL are Market Cap, EPS Growth, Altman Z-Score. Debt-to-equity of 9.31 is elevated, increasing financial risk.

Key Dynamics to Monitor

FRHC profiles as a growth stock while RILYL is a mature play — different risk/reward profiles.

RILYL carries more volatility with a beta of 1.22 — expect wider price swings.

FRHC is growing revenue faster at 27.8% — sustainability is the question.

RILYL generates stronger free cash flow (73M), providing more financial flexibility.

Bottom Line

FRHC scores higher overall (35/100 vs 30/100) and 27.8% revenue growth. Both earn "Avoid" 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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BRC Group Holdings, Inc.

FINANCIAL SERVICES · FINANCIAL CONGLOMERATES · USA

B. Riley Financial, Inc. provides collaborative financial services and solutions in North America, Australia and Europe. The company is headquartered in Los Angeles, California.

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