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FRHC vs. WSE: Freedom vs. Wise Stock Comparison

How do Freedom (FRHC) and Wise (WSE) stack up? This page sets them side by side across company profile, performance and risk, profitability, growth, financial strength, dividends, and valuation, with selected fundamentals also measured against each stock's industry-group peers.

Company Profile

Freedom (FRHC) and Wise (WSE) both fall under the Financial Services industry group, but FRHC is classified in Capital Markets while WSE is classified in Financial Services.

Freedom (FRHC) has been public since February 7, 2018 with a meaningfully longer listed history, while Wise (WSE) only listed on May 11, 2026 — long-window metrics on the WSE side should be interpreted with caution.

Company profile comparison for Freedom (FRHC) and Wise (WSE)
Profile ItemFRHCWSE
NameFreedom Holding Corp.Wise Group plc
Country/RegionUnited StatesUnited Kingdom
GICS SectorFinancialsFinancials
GICS Industry GroupFinancial ServicesFinancial Services
GICS IndustryCapital MarketsFinancial Services
GICS Sub-IndustryInvestment Banking & BrokerageTransaction & Payment Processing Services
Market Capitalization11.41 billion USD10.76 billion USD
CurrencyUSDUSD
ExchangeNasdaqNasdaq
Listing DateFebruary 7, 2018May 11, 2026
Security TypeCommon StockCommon Stock

Price Performance

Cumulative Growth

FRHC
WSE
GSPC
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Freedom (FRHC) vs. Wise (WSE), with S&P 500 (GSPC) for reference: 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 Wise (WSE). Returns over one year are annualized.

Calendar-Year Returns

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Calendar-year total returns for Freedom (FRHC) and Wise (WSE). Each bar is that year's total return, measured year-end to year-end.

Performance Metrics

Price performance metrics for Freedom (FRHC) and Wise (WSE)
MetricFRHCWSE
Total Return (1Y)18.04%--
Total Return (3Y, Annualized)28.04%--
Total Return (5Y, Annualized)18.95%--

Risk Profile

Drawdown History

FRHC
WSE
GSPC
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Freedom (FRHC) vs. Wise (WSE), with S&P 500 (GSPC) for reference: 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 Wise (WSE). Each bar is the share of months whose return fell in that 5% bucket.

Risk Metrics

Risk profile metrics for Freedom (FRHC) and Wise (WSE)
MetricFRHCWSE
Volatility (1Y, Annualized)47.01%44.06%
Beta (5Y)0.711.56
Max Drawdown (5Y)-45.80%-32.47%
Avg. Volume (3M)108.35K1.74M

Risk-Adjusted Performance

Risk-Return Positioning

Both FRHC and WSE need 1-year volatility and 1-year return to plot risk-return positioning.

Risk-Adjusted Metrics

Risk-adjusted metrics for Freedom (FRHC) and Wise (WSE)
MetricFRHCWSE
Sharpe Ratio (1Y)0.29--
Sortino Ratio (1Y)0.45--

Profitability

ROE (TTM)

Wise (WSE) at 27.23% sits in the top ROE quartile, while Freedom (FRHC) at 10.68% is closer to the peer norm — stronger capital efficiency for WSE.

FRHC

Financial Services industry group

10.68%

Max
44.78%
Q3
21.85%
Median
12.91%
FRHC
10.68%
Q1
4.48%
Min
-18.71%

WSE

Financial Services industry group

27.23%

Max
44.78%
WSE
27.23%
Q3
21.85%
Median
12.91%
Q1
4.48%
Min
-18.71%
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Freedom (FRHC) vs. Wise (WSE): A comparison of their ROE against the Financial Services industry group benchmark.

Net Margin (TTM)

Both Freedom (FRHC) at 8.43% and Wise (WSE) at 19.93% keep about the typical share of revenue as profit for their industries — neither bottom line stands out from peers.

FRHC

Financial Services industry group

8.43%

Max
62.84%
Q3
28.05%
Median
15.36%
FRHC
8.43%
Q1
4.82%
Min
-28.52%

WSE

Financial Services industry group

19.93%

Max
62.84%
Q3
28.05%
WSE
19.93%
Median
15.36%
Q1
4.82%
Min
-28.52%
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Freedom (FRHC) vs. Wise (WSE): A comparison of their net margin against the Financial Services industry group benchmark.

Operating Margin (TTM)

Wise (WSE) at 59.77% carries a top-quartile operating margin, while Freedom (FRHC) at 5.01% operates in the bottom quartile.

FRHC

Financial Services industry group

5.01%

Max
107.33%
Q3
55.90%
Median
30.09%
Q1
14.60%
FRHC
5.01%
Min
-44.34%

WSE

Financial Services industry group

59.77%

Max
107.33%
WSE
59.77%
Q3
55.90%
Median
30.09%
Q1
14.60%
Min
-44.34%
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Freedom (FRHC) vs. Wise (WSE): A comparison of their operating margin against the Financial Services industry group benchmark.

Profitability Metrics

Profitability metrics for Freedom (FRHC) and Wise (WSE)
MetricFRHCWSE
ROE (TTM)10.68%27.23%
ROA (TTM)1.24%2.41%
Net Margin (TTM)8.43%19.93%
Operating Margin (TTM)5.01%59.77%
Gross Margin (TTM)----

Growth

Revenue Growth

Both Freedom (FRHC) at 8.97% and Wise (WSE) at 17.14% land near their industries' usual revenue growth ranges, so top-line momentum looks broadly in line with peers on both sides.

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Freedom (FRHC) vs. Wise (WSE): A comparison of their Revenue Growth across different time periods.

EPS Growth

Freedom (FRHC) at 98.93% sits in the top EPS growth quartile, while Wise (WSE) at -5.78% is closer to the peer norm — faster per-share earnings growth for FRHC.

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Freedom (FRHC) vs. Wise (WSE): A comparison of their EPS Growth across different time periods.

Growth Metrics

Growth metrics for Freedom (FRHC) and Wise (WSE)
MetricFRHCWSE
Revenue Growth (YoY)8.97%17.14%
Revenue Growth (3Y CAGR)39.61%30.26%
EPS Growth (YoY)98.93%-5.78%
EPS Growth (3Y CAGR)-10.08%52.89%

Financial Strength

Current Ratio (MRQ)

current ratio doesn’t apply on either side: Freedom (FRHC) in Financial Services and Wise (WSE) in Financial Services both report balance sheets without a current/non-current split, so their short-term liquidity is better judged through regulatory and funding measures.

Debt / Equity (MRQ)

debt-to-equity ratio is set aside for both: Freedom (FRHC) in Financial Services and Wise (WSE) in Financial Services run businesses where balance-sheet leverage is part of the model, so capital-adequacy and funding measures are the better gauges of balance-sheet risk.

Financial Strength Metrics

Financial strength metrics for Freedom (FRHC) and Wise (WSE)
MetricFRHCWSE
Current Ratio (MRQ)----
Debt / Equity (MRQ)----
Net Debt / EBITDA----

Dividends

Dividend Yield (TTM)

Neither Freedom (FRHC) nor Wise (WSE) pays a dividend this period — they may reinvest, use buybacks, or simply not return cash through dividends.

FRHC

Financial Services industry group

0.00%

Max
9.77%
Q3
3.92%
Median
1.09%
FRHC
0.00%
Q1
0.00%
Min
0.00%

WSE

Financial Services industry group

0.00%

Max
9.77%
Q3
3.92%
Median
1.09%
WSE
0.00%
Q1
0.00%
Min
0.00%
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Freedom (FRHC) vs. Wise (WSE): A comparison of their dividend yield against the Financial Services industry group benchmark.

Dividend Payout Ratio (TTM)

Neither Freedom (FRHC) nor Wise (WSE) pays a dividend this period — they may reinvest, use buybacks, or simply not return cash through dividends.

FRHC

Financial Services industry group

0.00%

Max
241.07%
Q3
97.36%
Median
25.77%
FRHC
0.00%
Q1
0.00%
Min
0.00%

WSE

Financial Services industry group

0.00%

Max
241.07%
Q3
97.36%
Median
25.77%
WSE
0.00%
Q1
0.00%
Min
0.00%
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Freedom (FRHC) vs. Wise (WSE): A comparison of their payout ratio against the Financial Services industry group benchmark.

Dividend Metrics

Dividend metrics for Freedom (FRHC) and Wise (WSE)
MetricFRHCWSE
Dividend Yield (TTM)0.00%0.00%
Dividend Payout Ratio (TTM)0.00%0.00%

Valuation

P/E Ratio (TTM)

Wise (WSE) at 23.23 is near its industry’s usual P/E ratio, while Freedom (FRHC) at 70.97 sits above its peer range — an unusually expensive price for FRHC’s trailing earnings.

FRHC

Financial Services industry group

70.97

FRHC
70.97
Max
45.85
Q3
24.64
Median
15.37
Q1
9.68
Min
0.16

WSE

Financial Services industry group

23.23

Max
45.85
Q3
24.64
WSE
23.23
Median
15.37
Q1
9.68
Min
0.16
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Freedom (FRHC) vs. Wise (WSE): A comparison of their P/E ratio against the Financial Services industry group benchmark.

P/S Ratio (TTM)

Wise (WSE) at 4.30 is priced about in line with its industry on P/S ratio, while Freedom (FRHC) at 6.51 sits in the pricier quartile — FRHC costs more per dollar of sales.

FRHC

Financial Services industry group

6.51

Max
9.23
FRHC
6.51
Q3
4.57
Median
2.72
Q1
1.28
Min
-0.55

WSE

Financial Services industry group

4.30

Max
9.23
Q3
4.57
WSE
4.30
Median
2.72
Q1
1.28
Min
-0.55
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Freedom (FRHC) vs. Wise (WSE): A comparison of their P/S ratio against the Financial Services industry group benchmark.

P/B Ratio (MRQ)

Both Freedom (FRHC) at 7.16 and Wise (WSE) at 5.94 carry a premium to book value versus peers, sitting in the upper P/B ratio quartile of their industries.

FRHC

Financial Services industry group

7.16

Max
7.79
FRHC
7.16
Q3
3.63
Median
1.57
Q1
0.81
Min
-0.39

WSE

Financial Services industry group

5.94

Max
7.79
WSE
5.94
Q3
3.63
Median
1.57
Q1
0.81
Min
-0.39
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Freedom (FRHC) vs. Wise (WSE): A comparison of their P/B ratio against the Financial Services industry group benchmark.

Valuation Metrics

Valuation metrics for Freedom (FRHC) and Wise (WSE)
MetricFRHCWSE
P/E Ratio (TTM)70.9723.23
P/S Ratio (TTM)6.514.30
P/B Ratio (MRQ)7.165.94
Free Cash Flow Yield (TTM)----