FRHC vs. XYZ: Freedom vs. Block Stock Comparison

November 11, 2026

How do Freedom (FRHC) and Block (XYZ) 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 Block (XYZ) both fall under the Financial Services industry group, but FRHC is classified in Capital Markets while XYZ is classified in Financial Services.

Company profile comparison for Freedom (FRHC) and Block (XYZ)
Profile Item	FRHC	XYZ
Name	Freedom Holding Corp.	Block Inc. Class A Common Stock
Country/Region	United States	United States
GICS Sector	Financials	Financials
GICS Industry Group	Financial Services	Financial Services
GICS Industry	Capital Markets	Financial Services
GICS Sub-Industry	Investment Banking & Brokerage	Transaction & Payment Processing Services
Market Capitalization	11.41 billion USD	51.67 billion USD
Currency	USD	USD
Exchange	Nasdaq	NYSE
Listing Date	February 7, 2018	November 19, 2015
Security Type	Common Stock	Common Stock

Price Performance

Cumulative Growth

FRHC

XYZ

GSPC

Freedom (FRHC) vs. Block (XYZ), 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 Block (XYZ). Returns over one year are annualized.

Calendar-Year Returns

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

Performance Metrics

Price performance metrics for Freedom (FRHC) and Block (XYZ)
Metric	FRHC	XYZ
Total Return (1Y)	18.04%	35.34%
Total Return (3Y, Annualized)	28.04%	20.17%
Total Return (5Y, Annualized)	18.95%	-17.43%

Risk Profile

Drawdown History

FRHC

XYZ

GSPC

Freedom (FRHC) vs. Block (XYZ), 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 Block (XYZ). Each bar is the share of months whose return fell in that 5% bucket.

Risk Metrics

Block (XYZ) carries a highly aggressive beta of 2.48, indicating much higher sensitivity to broad-market moves, whereas Freedom (FRHC) is closer to market-like at 0.71 — a noticeable difference in market-sensitivity profile.

Risk profile metrics for Freedom (FRHC) and Block (XYZ)
Metric	FRHC	XYZ
Volatility (1Y, Annualized)	47.01%	48.01%
Beta (5Y)	0.71	2.48
Max Drawdown (5Y)	-45.80%	-83.55%
Avg. Volume (3M)	108.35K	4.73M

Risk-Adjusted Performance

Risk-Return Positioning

FRHC and XYZ are plotted by 1-year volatility (risk) and 1-year return. The dashed Capital Allocation Line runs from the risk-free rate through the shared industry median.

Risk-Adjusted Metrics

Risk-adjusted metrics for Freedom (FRHC) and Block (XYZ)
Metric	FRHC	XYZ
Sharpe Ratio (1Y)	0.29	0.65
Sortino Ratio (1Y)	0.45	1.03

Profitability

ROE (TTM)

Freedom (FRHC) at 10.68% is around its peer norm for ROE, while Block (XYZ) at 2.02% drops into the bottom quartile, signaling weaker returns on shareholders’ equity.

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%

XYZ

Financial Services industry group

2.02%

Max: 44.78%
Q3: 21.85%
Median: 12.91%
Q1: 4.48%
XYZ: 2.02%
Min: -18.71%

Freedom (FRHC) vs. Block (XYZ): A comparison of their ROE against the Financial Services industry group benchmark.

Net Margin (TTM)

Freedom (FRHC) at 8.43% keeps about the industry-typical share of revenue as profit, while Block (XYZ) at 1.80% retains only a bottom-quartile share.

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%

XYZ

Financial Services industry group

1.80%

Max: 62.84%
Q3: 28.05%
Median: 15.36%
Q1: 4.82%
XYZ: 1.80%
Min: -28.52%

Freedom (FRHC) vs. Block (XYZ): A comparison of their net margin against the Financial Services industry group benchmark.

Operating Margin (TTM)

Both Freedom (FRHC) at 5.01% and Block (XYZ) at 6.65% generate less operating profit per sales dollar than peers, sitting in the lower operating margin quartile of their industries.

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%

XYZ

Financial Services industry group

6.65%

Max: 107.33%
Q3: 55.90%
Median: 30.09%
Q1: 14.60%
XYZ: 6.65%
Min: -44.34%

Freedom (FRHC) vs. Block (XYZ): A comparison of their operating margin against the Financial Services industry group benchmark.

Profitability Metrics

Profitability metrics for Freedom (FRHC) and Block (XYZ)
Metric	FRHC	XYZ
ROE (TTM)	10.68%	2.02%
ROA (TTM)	1.24%	1.94%
Net Margin (TTM)	8.43%	1.80%
Operating Margin (TTM)	5.01%	6.65%
Gross Margin (TTM)	--	--

Growth

Revenue Growth

Freedom (FRHC) at 8.97% is around its peer norm for revenue growth, while Block (XYZ) at 0.30% drops into the bottom quartile, signaling weaker demand or pricing momentum.

Freedom (FRHC) vs. Block (XYZ): 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 Block (XYZ) at -53.95% is in the bottom quartile, showing a clear gap in earnings momentum.

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

Growth Metrics

Growth metrics for Freedom (FRHC) and Block (XYZ)
Metric	FRHC	XYZ
Revenue Growth (YoY)	8.97%	0.30%
Revenue Growth (3Y CAGR)	39.61%	11.33%
EPS Growth (YoY)	98.93%	-53.95%
EPS Growth (3Y CAGR)	-10.08%	--

Financial Strength

Current Ratio (MRQ)

current ratio doesn’t apply on either side: Freedom (FRHC) in Financial Services and Block (XYZ) 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 Block (XYZ) 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 Block (XYZ)
Metric	FRHC	XYZ
Current Ratio (MRQ)	--	--
Debt / Equity (MRQ)	--	--
Net Debt / EBITDA	--	--

Dividends

Dividend Yield (TTM)

Neither Freedom (FRHC) nor Block (XYZ) 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%

XYZ

Financial Services industry group

0.00%

Max: 9.77%
Q3: 3.92%
Median: 1.09%
XYZ: 0.00%
Q1: 0.00%
Min: 0.00%

Freedom (FRHC) vs. Block (XYZ): A comparison of their dividend yield against the Financial Services industry group benchmark.

Dividend Payout Ratio (TTM)

Neither Freedom (FRHC) nor Block (XYZ) 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%

XYZ

Financial Services industry group

0.00%

Max: 241.07%
Q3: 97.36%
Median: 25.77%
XYZ: 0.00%
Q1: 0.00%
Min: 0.00%

Freedom (FRHC) vs. Block (XYZ): A comparison of their payout ratio against the Financial Services industry group benchmark.

Dividend Metrics

Dividend metrics for Freedom (FRHC) and Block (XYZ)
Metric	FRHC	XYZ
Dividend Yield (TTM)	0.00%	0.00%
Dividend Payout Ratio (TTM)	0.00%	0.00%

Valuation

P/E Ratio (TTM)

Both Freedom (FRHC) at 70.97 and Block (XYZ) at 112.47 trade above their industries’ P/E ratio peer ranges, pointing to unusually expensive trailing earnings relative to peers.

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

XYZ

Financial Services industry group

112.47

XYZ: 112.47
Max: 45.85
Q3: 24.64
Median: 15.37
Q1: 9.68
Min: 0.16

Freedom (FRHC) vs. Block (XYZ): A comparison of their P/E ratio against the Financial Services industry group benchmark.

P/S Ratio (TTM)

Block (XYZ) at 2.01 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

XYZ

Financial Services industry group

2.01

Max: 9.23
Q3: 4.57
Median: 2.72
XYZ: 2.01
Q1: 1.28
Min: -0.55

Freedom (FRHC) vs. Block (XYZ): A comparison of their P/S ratio against the Financial Services industry group benchmark.

P/B Ratio (MRQ)

Block (XYZ) at 2.26 is valued about in line with its industry on P/B ratio, while Freedom (FRHC) at 7.16 carries an above-peer premium to book — FRHC is pricier on assets.

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

XYZ

Financial Services industry group

2.26

Max: 7.79
Q3: 3.63
XYZ: 2.26
Median: 1.57
Q1: 0.81
Min: -0.39

Freedom (FRHC) vs. Block (XYZ): A comparison of their P/B ratio against the Financial Services industry group benchmark.

Valuation Metrics

Valuation metrics for Freedom (FRHC) and Block (XYZ)
Metric	FRHC	XYZ
P/E Ratio (TTM)	70.97	112.47
P/S Ratio (TTM)	6.51	2.01
P/B Ratio (MRQ)	7.16	2.26
Free Cash Flow Yield (TTM)	--	--