📊 AI Stock Rating — Summary

For the quarter ending September 30, 2025, Freedom Holding Corp (FRHC) reported revenue of $530.9 million and net income of $38.7 million, translating to an EPS of $0.65. The company maintained an impressive net margin with robust free cash flow generation of $566.1 million. Year-over-year growth metrics appear stabilized, supported by operational cash flow strength. FRHC sustains a strong financial position with total assets at $10.35 billion against liabilities of $9.13 billion, resulting in total equity of $1.22 billion and a net cash position of $636 million. Despite a lack of dividends and share buybacks, the company maintains financial conservatism. With a P/E ratio unavailable, the valuation context primarily hinges on intrinsic growth and market price dynamics. Absence of analyst price targets limits explicit predictive assessments. The stock's 1-year performance is key in analyzing shareholder returns.

AI Score Breakdown

Revenue Growth — Score: 7/10

Revenue reached $530.9 million with a steady growth trend supported by efficient cash flow management. This reflects stable business activities with sound revenue streams.

Profitability — Score: 8/10

The company exhibited strong profitability with a net income of $38.7 million and EPS of $0.65. High operational efficiency is evident in robust net margins.

Cash Flow Quality — Score: 9/10

FRHC demonstrated exceptional cash flow quality with free cash flow amounting to $566.1 million, indicating strong liquidity and excellent cash management.

Leverage & Balance Sheet — Score: 8/10

The company maintains a solid balance sheet with significant net cash of $636 million and a healthy asset-to-liability ratio, showcasing financial resilience.

Shareholder Returns — Score: 5/10

Without notable dividends or buybacks, shareholder returns are primarily based on market appreciation. The lack of significant price movement data limits a higher score.

Analyst Sentiment & Valuation — Score: 5/10

Absent clear valuation metrics and price targets, assessment remains neutral. Further information on price performance would provide a fuller understanding of market sentiment.

⚠ AI-generated — informational only, not financial advice.