WallStSmart

Freedom Holding Corp (FRHC)vsLendingtree Inc (TREE)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Freedom Holding Corp generates 36% more annual revenue ($1.63B vs $1.20B). TREE leads profitability with a 15.0% profit margin vs 9.4%. TREE trades at a lower P/E of 2.8x. TREE earns a higher WallStSmart Score of 76/100 (B+).

FRHC

Avoid

33

out of 100

Grade: F

Growth: 7.3Profit: 4.0Value: 4.0Quality: 4.0
Piotroski: 4/9Altman Z: 0.84

TREE

Strong Buy

76

out of 100

Grade: B+

Growth: 8.0Profit: 8.0Value: 5.7Quality: 4.5
Piotroski: 4/9Altman Z: 0.88

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

FRHC1 strengths · Avg: 10.0/10
Revenue GrowthGrowth
146.7%10/10

Revenue surging 146.7% year-over-year

TREE5 strengths · Avg: 9.6/10
P/E RatioValuation
2.8x10/10

Attractively priced relative to earnings

Return on EquityProfitability
59.4%10/10

Every $100 of equity generates 59 in profit

Revenue GrowthGrowth
36.5%10/10

Revenue surging 36.5% year-over-year

EPS GrowthGrowth
1747.0%10/10

Earnings expanding 1747.0% YoY

Price/BookValuation
1.6x8/10

Reasonable price relative to book value

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
1.573/10

Elevated debt levels

P/E RatioValuation
55.1x2/10

Premium valuation, high expectations priced in

EPS GrowthGrowth
-3.1%2/10

Earnings declined 3.1%

TREE4 concerns · Avg: 2.5/10
Market CapQuality
$491.84M3/10

Smaller company, higher risk/reward

Debt/EquityHealth
1.443/10

Elevated debt levels

PEG RatioValuation
3.552/10

Expensive relative to growth rate

Altman Z-ScoreHealth
0.882/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

Bull Case : FRHC

The strongest argument for FRHC centers on Revenue Growth. Revenue growth of 146.7% demonstrates continued momentum.

Bull Case : TREE

The strongest argument for TREE centers on P/E Ratio, Return on Equity, Revenue Growth. Revenue growth of 36.5% demonstrates continued momentum.

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 : TREE

The primary concerns for TREE are Market Cap, Debt/Equity, PEG Ratio.

Key Dynamics to Monitor

FRHC profiles as a hypergrowth stock while TREE is a growth play — different risk/reward profiles.

TREE carries more volatility with a beta of 2.05 — expect wider price swings.

FRHC is growing revenue faster at 146.7% — sustainability is the question.

TREE generates stronger free cash flow (9M), providing more financial flexibility.

Bottom Line

TREE scores higher overall (76/100 vs 33/100) and 36.5% revenue growth. 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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Lendingtree Inc

FINANCIAL SERVICES · FINANCIAL CONGLOMERATES · USA

LendingTree, Inc., through its subsidiary, LT Intermediate Company, LLC, operates an online consumer platform in the United States. The company is headquartered in Charlotte, North Carolina.

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