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Freedom (FRHC) Stock Analysis

This is a peer-relative look at Freedom (FRHC): its performance, risk, profitability, growth, financial strength, dividend, and valuation are each measured against its Financial Services peers, so every number reads in context rather than in isolation.

Company Profile

Company profile fields for Freedom (FRHC)
Profile ItemFRHC
NameFreedom Holding Corp.
Country/RegionUnited States
GICS SectorFinancials
GICS Industry GroupFinancial Services
GICS IndustryCapital Markets
GICS Sub-IndustryInvestment Banking & Brokerage
Market Capitalization11.41 billion USD
CurrencyUSD
ExchangeNasdaq
Listing DateFebruary 7, 2018
Security TypeCommon Stock

Price Performance

Cumulative Growth

FRHC
GSPC
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Freedom (FRHC) vs. S&P 500 (GSPC): Growth of a $10,000 investment over the past five years. Adjusted for dividends and splits.

Trailing Returns

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Trailing total returns for Freedom (FRHC) and S&P 500 (GSPC). Returns over one year are annualized.

Calendar-Year Returns

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Calendar-year total returns for Freedom (FRHC) and S&P 500 (GSPC). Each bar is that year's total return, measured year-end to year-end.

Performance Metrics

Freedom (FRHC) metric values compared with Financial Services industry-group medians
MetricCurrent stock: FRHCIndustry group median
Total Return (1Y)18.04%1.90%
Total Return (3Y, Annualized)28.04%12.71%
Total Return (5Y, Annualized)18.95%2.81%

Risk Profile

Drawdown History

FRHC
GSPC
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Freedom (FRHC) vs. S&P 500 (GSPC): Drawdown from the running peak over the past five years. Each line shows the decline from its prior peak; 0% marks a new high.

Return Distribution

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Distribution of monthly total returns for Freedom (FRHC) and S&P 500 (GSPC). Each bar is the share of months whose return fell in that 5% bucket.

Risk Metrics

Freedom (FRHC) metric values compared with Financial Services industry-group medians
MetricCurrent stock: FRHCIndustry group median
Volatility (1Y, Annualized)47.01%36.24%
Beta (5Y)0.711.04
Max Drawdown (5Y)-45.80%-48.56%

Risk-Adjusted Performance

Risk-Return Positioning

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Each dot is a stock plotted by 1-year volatility (risk) and 1-year return. FRHC is highlighted; the dashed line is the Capital Allocation Line from the risk-free rate through the industry median — dots above it are stronger on a risk-adjusted basis.

Risk-Adjusted Metrics

Freedom (FRHC) metric values compared with Financial Services industry-group medians
MetricCurrent stock: FRHCIndustry group median
Sharpe Ratio (1Y)0.29-0.09
Sortino Ratio (1Y)0.45-0.13

Profitability

ROE (TTM)

Freedom (FRHC) posts ROE of 10.68%, roughly around the peer group’s normal range. Shareholders’ equity is producing a return that looks broadly typical for the industry.

FRHC

Financial Services industry group

10.68%

Group distribution
Max
44.78%
Q3
21.85%
Median
12.91%
FRHC
10.68%
Q1
4.48%
Min
-18.71%
Largest peers
MA
231.37%
V
63.51%
MS
18.04%
GS
17.71%
BRK.A
12.12%
BRK.B
12.12%
FRHC
10.68%
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Where Freedom (FRHC) stands on ROE within its Financial Services peer group — the box is the group’s distribution and the dots its largest members.

Net Margin (TTM)

Freedom (FRHC) keeps 8.43% of revenue as net profit, roughly in line with the peer group’s normal net margin range. Its full cost stack is taking a typical share of sales for the industry.

FRHC

Financial Services industry group

8.43%

Group distribution
Max
62.84%
Q3
28.05%
Median
15.36%
FRHC
8.43%
Q1
4.82%
Min
-28.52%
Largest peers
V
51.20%
MA
46.73%
GS
31.21%
MS
25.63%
BRK.A
22.30%
BRK.B
22.30%
FRHC
8.43%
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Where Freedom (FRHC) stands on net margin within its Financial Services peer group — the box is the group’s distribution and the dots its largest members.

Operating Margin (TTM)

Freedom (FRHC) turns 5.01% of revenue into operating profit, in the lower peer quartile for operating margin. Operating costs are taking a larger share of sales than they do at most peers.

FRHC

Financial Services industry group

5.01%

Group distribution
Max
107.33%
Q3
55.90%
Median
30.09%
Q1
14.60%
FRHC
5.01%
Min
-44.34%
Largest peers
V
63.73%
MA
60.53%
MS
39.00%
GS
38.37%
BRK.A
32.56%
BRK.B
32.56%
FRHC
5.01%
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Where Freedom (FRHC) stands on operating margin within its Financial Services peer group — the box is the group’s distribution and the dots its largest members.

Profitability Metrics

Freedom (FRHC) metric values compared with Financial Services industry-group medians
MetricCurrent stock: FRHCIndustry group median
ROE (TTM)10.68%12.91%
ROA (TTM)1.24%3.60%
Net Margin (TTM)8.43%15.36%
Operating Margin (TTM)5.01%30.09%
Gross Margin (TTM)----

Growth

Revenue Growth

Freedom (FRHC) grew revenue 8.97%, roughly around the peer group's normal range. Top-line momentum looks broadly typical for the industry.

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Freedom (FRHC): Revenue Growth across different time periods, set against Financial Services industry-group medians.

EPS Growth

Freedom (FRHC) grew earnings per share 98.93%, in the upper peer quartile. Per-share profits are compounding faster than at most industry peers.

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Freedom (FRHC): EPS Growth across different time periods, set against Financial Services industry-group medians.

Growth Metrics

Freedom (FRHC) metric values compared with Financial Services industry-group medians
MetricCurrent stock: FRHCIndustry group median
Revenue Growth (YoY)8.97%9.46%
Revenue Growth (3Y CAGR)39.61%10.90%
EPS Growth (YoY)98.93%7.46%
EPS Growth (3Y CAGR)-10.08%13.04%

Financial Strength

Current Ratio (MRQ)

current ratio is set aside for Freedom (FRHC) in Financial Services: these balance sheets are not best read through a current/non-current split, so regulatory, funding, or liquidity-coverage measures usually matter more.

Debt / Equity (MRQ)

debt-to-equity ratio is set aside for Freedom (FRHC) in Financial Services: leverage is part of the business model itself, so capital adequacy, funding mix, and regulatory measures are usually better risk gauges.

Financial Strength Metrics

Freedom (FRHC) metric values compared with Financial Services industry-group medians
MetricCurrent stock: FRHCIndustry group median
Current Ratio (MRQ)----
Debt / Equity (MRQ)----
Net Debt / EBITDA----

Dividends

Dividend Yield (TTM)

Freedom (FRHC) pays no dividend, leaving dividend yield at 0.00% this period. Shareholders may still receive value through reinvestment or buybacks, but there is no dividend income to compare here.

FRHC

Financial Services industry group

0.00%

Group distribution
Max
9.77%
Q3
3.92%
Median
1.09%
FRHC
0.00%
Q1
0.00%
Min
0.00%
Largest peers
MS
2.40%
GS
2.07%
V
0.66%
MA
0.53%
FRHC
0.00%
BRK.A
0.00%
BRK.B
0.00%
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Where Freedom (FRHC) stands on dividend yield within its Financial Services peer group — the box is the group’s distribution and the dots its largest members.

Dividend Payout Ratio (TTM)

Freedom (FRHC) paid no earnings out as dividends this period, leaving payout ratio at 0.00%. There is no dividend payout to size against earnings.

FRHC

Financial Services industry group

0.00%

Group distribution
Max
241.07%
Q3
97.36%
Median
25.77%
FRHC
0.00%
Q1
0.00%
Min
0.00%
Largest peers
MS
32.91%
GS
25.88%
V
21.75%
MA
17.63%
FRHC
0.00%
BRK.A
0.00%
BRK.B
0.00%
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Where Freedom (FRHC) stands on payout ratio within its Financial Services peer group — the box is the group’s distribution and the dots its largest members.

Dividend Metrics

Freedom (FRHC) metric values compared with Financial Services industry-group medians
MetricCurrent stock: FRHCIndustry group median
Dividend Yield (TTM)0.00%1.09%
Dividend Payout Ratio (TTM)0.00%25.77%

Valuation

P/E Ratio (TTM)

Freedom (FRHC) trades at P/E ratio of 70.97, above the peer range for its industry. The market is paying unusually heavily for TTM earnings relative to comparable companies.

FRHC

Financial Services industry group

70.97

Group distribution
FRHC
70.97
Max
45.85
Q3
24.64
Median
15.37
Q1
9.68
Min
0.16
Largest peers
FRHC
70.97
V
34.31
MA
34.15
MS
14.39
BRK.A
14.36
BRK.B
14.36
GS
12.45
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Where Freedom (FRHC) stands on P/E ratio within its Financial Services peer group — the box is the group’s distribution and the dots its largest members.

P/S Ratio (TTM)

Freedom (FRHC) trades at 6.51 on P/S ratio, in the higher sales-valuation quartile. Investors are paying up for each dollar of revenue, so stronger margins, growth, or revenue quality need to carry that price.

FRHC

Financial Services industry group

6.51

Group distribution
Max
9.23
FRHC
6.51
Q3
4.57
Median
2.72
Q1
1.28
Min
-0.55
Largest peers
V
17.18
MA
15.67
FRHC
6.51
MS
3.55
GS
3.52
BRK.A
3.18
BRK.B
3.18
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Where Freedom (FRHC) stands on P/S ratio within its Financial Services peer group — the box is the group’s distribution and the dots its largest members.

P/B Ratio (MRQ)

Freedom (FRHC) trades at 7.16 on P/B ratio, in the higher book-value quartile. The market is paying a premium to book, so stronger ROE, cleaner assets, or a better growth profile need to justify it.

FRHC

Financial Services industry group

7.16

Group distribution
Max
7.79
FRHC
7.16
Q3
3.63
Median
1.57
Q1
0.81
Min
-0.39
Largest peers
MA
84.30
V
22.05
FRHC
7.16
MS
2.65
GS
2.36
BRK.A
1.72
BRK.B
0.00
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Where Freedom (FRHC) stands on P/B ratio within its Financial Services peer group — the box is the group’s distribution and the dots its largest members.

Valuation Metrics

Freedom (FRHC) metric values compared with Financial Services industry-group medians
MetricCurrent stock: FRHCIndustry group median
P/E Ratio (TTM)70.9715.37
P/S Ratio (TTM)6.512.72
P/B Ratio (MRQ)7.161.57
Free Cash Flow Yield (TTM)----