FRHC

FreedomC

Nasdaq / Financial Services

At close

2026-07-18

Current thesis

Primary sources still show real operating scale: nine-month operating cash flow of $1.73 billion, higher cash balances, asset growth, and expanding customer counts support the idea that FRHC's cross-sell ecosystem is still gaining adoption [#10-Q-2026-02-09][#IR-2026-02-10].

Posture

Mixed

Lead driver

Momentum

What changed

Momentum remains the lead driver in the composite, 7D delta +30.5.

What can break

Business mix and investor perception remain tied to Kazakhstan/Central Asia regulatory and governance conditions.

Momentum

Value

Sentiment

Setup hits (3d)

0 · Net Neutral

AI TargetsBase $145.00 · Bull $180.00 · Bear $120.00

Data freshness

Prices

As of 2026-07-18

Fundamentals

As of 2026-07-17 • Vendor: Data Vendor v1

Scores

As of 2026-07-18 • Model: HYBRID_IC_RP

AI Memo

As of 2026-04-15 • Model: RankAlpha Sentiment Codex

Investment thesis

As of 2026-07-18

Supporting evidence

What

Grade C · Mixed

Confidence Medium · Net Neutral

Why

Momentum69 · Δ7d +30.5

Value46 · Δ7d +0.1

Sentiment50 · Δ7d +5.1

So what

Balanced signals (Net Neutral). Wait for confirmation before sizing up.

Lead driver: Momentum · See technicals

Momentum

26% active weight

Current posture

7d trendFlat

Δ7d

+30.5

Δ21d

+36.1

Value

39% active weight

Current posture

7d trendFlat

Δ7d

+0.1

Δ21d

+1.0

Sentiment

34% active weight

Current posture

7d trendImproving

Δ7d

+5.1

Δ21d

-18.4

Why this grade

Composite grade C. Momentum 69.3 / Value 46.4 / Sentiment 50.0

Fundamentals (TTM)

As of 2026-07-17

Market Cap

$9.36B

Beta

0.83

Shares Out

61.29M

P/E (TTM)

4446.9

P/S (TTM)

3.89

P/FCF (TTM)

3.78

Rev YoY

+79.9%

EPS YoY

-105.3%

Gross Margin

+71.6%

Op Margin

+24.2%

Net Debt

$414.95M

Current Ratio

1.03

As of 2026-07-18 • Updated nightlySource: Internal modelMethodology