On the stock market since 2018, it operates in the world of money and finance. It has 7,761 employees. Now — the numbers.
This is an established company with proven profits.
Revenue is spread across several business lines; no single line carries the company.
Average growth of 34% a year over the last 4 years. Every year shown ended in profit.
Executives buying with their own money is usually read as confidence in the company’s future.
We compared this company with its own sector across five subjects.
A score of 50 means class average.
Clearly above the class average — a step short of the very top.
For a bank, strength is measured by capital buffers and reserves — not cash minus debt.
Clearly below the class average.
Clearly above the class average — a step short of the very top.
Clearly below the class average.
Valuation: The stock trades at a price that looks expensive next to its earnings; that can cap future returns.
Financial Strength: The capital buffer looks thin next to its class; less room to absorb a rough stretch.
The stock trades 24% below its peak. The market has trimmed its expectations for the company.
Over the last 3 years, sales grew about 40% a year on average.
Over the last 12 months, company executives reported 21 buys and 14 sells. Management buying with its own money is usually read as a good sign.
The company’s market value is 57 times its annual profit. Even a small disappointment could hit the price hard.
Today’s price already includes part of tomorrow’s optimism. Report-card grade: 14/100.
The balance sheet offers little cushion against a rough stretch. Report-card grade: 39/100.
On our five-subject report card, FRHC sits behind the class. A low grade doesn’t mean “doomed” — it means “big claim, small proof.”
The takeaway: FRHC is an established business that has proven its profits for years. The real debate isn’t the quality of the business — it’s whether the price paid for the stock is too high.