QualityDipStocks / Finance · Brokers & investment banks
Freedom FRHC
Outside our quality screen, so we don’t track its dips. It’s at its 52-week high.
Outside our quality screen. No fair value estimate for now: our model doesn’t fit it reliably.
- Fair value est.
- n/a
- Market Value
- forming
- Off 52-wk high
- at the high
- Risk vs market
- Market-likebeta 0.92
3 bullish · 5 bearish See why
Priced in
How much growth the market assumed at the 52-week high, the low and today (a reverse DCF).
52-wk high: P/E 77.7×; 52-wk low: P/E 2571.0×; now: P/E 80.9×.
| High | Low | Now | |
|---|---|---|---|
| Price | $187.30Nov 2 | $112.03Feb 19 | $187.30 |
| P/E | 77.7× | 2571.0× | 80.9× |
What this means: a lower P/E than at the high means you pay less for each dollar of profit than buyers did then.
How it’s computed
Banks, insurers and lenders: cash flow includes deposits and loans, so a cash-flow model doesn't fit; we show P/E at each point instead. P/E = that day's close × diluted shares / 12-month net income, using only the filings that were public on that day.
Valuation
What we estimate it's worth, and how it ranks on value vs every stock we cover.
Fair value estimate
Estimate unreliable for FRHC: the book-value model gives 60% below the price, more than we can stand behind for a financial company. We’d rather show nothing than a made-up number.
Risk vs market
How risk vs market is measured
One year of daily returns (Oct 31 to Nov 2, 252 sessions). Beta = how much FRHC moved for each 1% move in the S&P 500 (SPY); 1.0 moves with the market. Volatility is the yearly standard deviation of daily returns. Past behavior, not a forecast.
Moves about in line with the market, and its own price swings are 3.7× the S&P 500’s.
- Beta vs S&P 500
- 0.92
- Volatility
- 47% vs 13% SPY
- Correlation SPY
- 0.25
- Correlation QQQ
- 0.21
Valuation details
Fundamentals
The business itself: sales, profits, cash and debt, from SEC filings.
Bull vs bear
Rule-based from the data on this page, strongest first. Not advice.
Top bullish points 3 of 5
GrowthDiluted EPS grew 99% to $2.51 in FY2026.
GrowthSales compounded 40% a year from FY2023 to FY2026.
GrowthSales grew 16% to $2.4B over the last 12 months vs the 12 months before (SEC filings).
Top bearish points 5 of 5
ValuationP/E of 80.9× vs a 13.6× median for the 291 Finance companies we cover.
ProfitabilityReturn on equity fell 22 points in two fiscal years, to 10% in FY2026.
ValuationPrice / book of 7.8×, above the 1.7× median for the 296 Finance companies we cover.
QualityDoesn’t pass our quality screen: no positive free cash flow; ROE under 12% and ROIC under 10%.
RiskReports earnings Nov 6: results can move the price sharply and reset Market Value.
All fundamentals
P/E 80.9 · ROE 11% · Sales +16%
Valuation
- P/E
- 80.9×Finance median 13.6×
- Price / FCF
- n/acash flow isn't a clean measure for a lender
- FCF yield
- n/acash flow isn't a clean measure for a lender
- EV / EBITDA
- n/anot meaningful for a lender
- Price / sales
- 4.98×
- Price / book
- 7.78×
- Market cap
- $11.9Bprice × diluted shares
- Enterprise value
- n/anot reported in its SEC filings
Growth
- Revenue, 12 months
- $2.4B
- Sales growth, 12 months
- +15.8%vs the 12 months before
- Sales growth, 3 yrs
- +40.0%/yrfrom FY2023
- Diluted EPS, 12 months
- $2.42
- EPS growth, last FY
- +99.2%
- Net income, 12 months
- $148M
- Net income growth
- +86%12 months vs before
Profitability
- Gross margin
- n/anot meaningful for a lender
- Operating margin
- n/anot reported in its SEC filings
- Net margin
- 6.2%
- FCF margin
- −37.0%
- Return on equity
- 11%
- Return on invested capital
- n/anot meaningful for a lender
Balance sheet
- Cash & short-term inv.
- $1.4B
- Total debt
- n/anot reported in its SEC filings
- Net cash
- n/anot meaningful for a lender
- Debt / equity
- n/adeposits/float make debt/equity not comparable for a lender
- Interest coverage
- n/anot meaningful for a lender
Cash flow & returns
- Free cash flow, 12 months
- −$889M
- FCF growth, 12 months
- n/anot reported in its SEC filings
- Dividend yield
- n/ano dividend payments tagged
- Payout ratio
- n/anot reported in its SEC filings
- Buybacks, 12 months
- n/anot reported in its SEC filings
- Share count, 1 year
- +0.3%diluted shares vs a year ago
- Stock-based comp
- $68M
Trailing 12 months to Jun 30, 2026; balance sheet at Jun 30, 2026. From Freedom’s SEC filings. Sparklines show up to six fiscal years. n/a means we don’t hold that number, with the reason. How each is computed.
The business
FCF $-0.9B · Sales +28%
- Free cash flow, 12 months−$0.9B
- Free-cash-flow yield−7.5%
- Return on equity11%
- Sales growth (latest quarter vs year-ago quarter)+28%
Chart & levels
Where the price is vs its key levels and trends.
Key levels
Every level vs today’s $187.30
- 52-wk lowlowest close, 1 year$112.03−40.2%
- PriceMon Nov 2 close$187.30you are here
- 52-wk highhighest close, 1 year$187.30at the price
Momentum & 52-week range
RSI 66 · 5 days +7.6%
Signals
Reversal signal setups, the public ledger and the next earnings date.
Setup & signals
No setup armed
No setup armed, so there’s no trigger or stop to track yet. Reversal signal rules only run on companies that pass our quality screen.
Next report
Nov 6
- DateFri Nov 6
- Year-ago EPS$0.63
- QuarterSep/2026
From Nasdaq’s earnings calendar. A report resets Market Value.
FRHC is outside our quality screen
One text when a published rule fires on one of the 332 quality companies we track: the ticker, the price, the stop and a link to the numbers. Nothing else.
Voices & buzz
Who is talking about it, and how it compares with peers.
Who’s talking about it
Notable investors, executives, analysts and public figures on Freedom in the last 48 hours. Headlines as published, each linked. Their words, not ours.
No notable mentions in the last 48 hours. Checked Nov 3, 1:01 PM ET.
Compare with peers
Closest in size in Brokers & investment banks
Information only, not investment advice. Fair value estimates and talking points are rule-based model output from public data and can be wrong; stop levels are reference points, not orders. How every number is computed.