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Freedom HoldingFRHC -0.12%76 Cash Ratio is 0.43 as of Mar. 2026, which is 48% below its 10-year median of 0.82. GuruFocus rates FRHC with a GF Score™ of 76/100 and a GF Value™ of $155.42 (Fairly Valued). The stock has 11 warning signs investors should review. Among 454 Diversified Financial Services companies, Freedom Holding ranks worse than 73.79% on this metric.
Freedom Holding has a Cash Ratio of 0.43. It indicates that there are more current liabilities than Cash, Cash Equivalents, Marketable Securities, and the company does not have sufficient cash on hand to pay off its short-term debt.
The historical rank and industry rank for Freedom Holding's Cash Ratio or its related term are showing as below:
FRHC'
s Cash Ratio Range Over the Past 10 Years
Min: 0.43 Med: 0.82 Max: 1.61
Current: 0.43
During the past 13 years, Freedom Holding's highest Cash Ratio was 1.61. The lowest was 0.43. And the median was 0.82.
FRHC's Cash Ratio is ranked worse than 73.79% of 454
companies
in the Diversified Financial Services industry
Industry Median: 2.74
vs FRHC: 0.43
Freedom Holding (NAS:FRHC) Cash Ratio Explanation
The cash ratio is more conservative than other liquidity ratios, such as Quick Ratio and Current Ratio, because it only considers a company's most liquid resources. The numerator of cash ratio only considers Cash, Cash Equivalents and marketable securities. Other current assets, such as accounts receivable and inventories, are not included. The rationale is that these assets may require time to be transformed into cash, and the amount of money received is also uncertain.
The cash ratio shows a company’s ability to pay all current liabilities immediately without selling or liquidating other assets. Generally speaking, a higher cash ratio suggests the company has a stronger ability to cover its short-term debt. However, a high cash ratio could also indicate inefficient management: the company is inefficient in making full utilization of cash to invest protential profitable project. It may also suggest that the company is not confident about future profitability.
In general, the higher the cash ratio, the better the company's liquidity position.
Freedom Holding Cash Ratio Related Terms
Freedom Holding Cash Ratio Historical Data
* Premium members only.
The historical data trend for Freedom Holding's Cash Ratio can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Financial Conglomerates subindustry, Freedom Holding's Cash Ratio, along with its competitors' market caps and Cash Ratio data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Freedom Holding Cash Ratio vs Diversified Financial Services Industry
For the Diversified Financial Services industry and Financial Services sector, Freedom Holding's Cash Ratio distribution charts can be found below:
* The bar in red indicates where Freedom Holding's Cash Ratio falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Freedom Holding (FRHC) has a Cash Ratio of 0.43 as of Mar. 2026. Cashflow ratio is the ratio of Cash, Cash Equivalents, Marketable Securities to current liabilities. View historical data on Freedom Holding and its competitors. This is 48% below median its historical median of 0.82. Over the past decade, Freedom Holding's Cash Ratio has ranged from 0.43 to 1.61. According to the industry distribution chart, Freedom Holding ranks #335 out of 454 companies in the Diversified Financial Services industry, placing it in the top 73.8%.
Is Freedom Holding's Cash Ratio too high?
Freedom Holding's current Cash Ratio of 0.43 is 48% below median its 10-year median of 0.82. Over the past 10 years, this metric has ranged from a low of 0.43 to a high of 1.61. The Diversified Financial Services industry median Cash Ratio is 2.74. Freedom Holding's value of 0.43 is 84.3% below this industry median. Based on the distribution chart, Freedom Holding ranks #335 out of 454 companies in the Diversified Financial Services industry, which is below the industry midpoint. Overall, Freedom Holding has a GF Score™ of 76/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Freedom Holding's Cash Ratio compare to VOYA and HTH?
According to the Diversified Financial Services industry distribution chart, Freedom Holding ranks #335 out of 454 companies for Cash Ratio. This places Freedom Holding in the lower half of its industry. The industry median Cash Ratio is 2.74. Freedom Holding's value of 0.43 is 84.3% below this benchmark. Historically, Freedom Holding's own Cash Ratio has ranged from 0.43 to 1.61 over the past decade. While the company's 10-year median is 0.82 vs. the industry median of 2.74, Freedom Holding has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cash Ratio for a Diversified Financial Services company?
The median Cash Ratio among Diversified Financial Services companies is 2.74, based on 454 companies in the industry. Companies in the top quartile (top 25%) have a Cash Ratio significantly above this median, while those in the bottom quartile fall well below. However, Cash Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Freedom Holding's current Cash Ratio of 0.43 is 84.3% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cash Ratio mean?
A high Cash Ratio can signal that a stock is expensive relative to its fundamentals. Cashflow ratio is the ratio of Cash, Cash Equivalents, Marketable Securities to current liabilities. View historical data on Freedom Holding and its competitors. For the Diversified Financial Services industry, the median Cash Ratio is 2.74 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Freedom Holding's current Cash Ratio is 0.43, which is 48% below median its own 10-year median of 0.82. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Freedom Holding stock overvalued right now?
Based on GuruFocus' analysis, Freedom Holding (FRHC) is currently considered Fairly Valued. The stock's GF Value™ is $155.42, compared to a current price of $160.42 — trading 3.2% above its estimated fair value. The current Cash Ratio is 0.43, which is 48% below median its 10-year median of 0.82 and 84.3% below the Diversified Financial Services industry median of 2.74. Freedom Holding's overall GF Score™ is 76/100 with 11 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cash Ratio calculated?
Cash Ratio is calculated from a company's financial statements. For Freedom Holding (FRHC), the current Cash Ratio is 0.43 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Freedom Holding (FRHC) Overvalued in 2026?
Based on GuruFocus' analysis, Freedom Holding stock appears to be overvalued.
The current stock price of $160.42 is trading 3.2% above its estimated GF Value™ of $155.42.
GuruFocus considers Freedom Holding to be Fairly Valued.
Key valuation signals for FRHC:
Cash Ratio: 0.43 (48% below median its 10-year median of 0.82)
GF Value™: $155.42 vs. price of $160.42 (3.2% above fair value)
Industry Position: 84.3% below the Diversified Financial Services median (#335 of 454)
No single metric tells the full story. See the FRHC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Freedom Holding Corp is a holding company with its subsidiary it is engaged in securities brokerage, securities dealing for customers and account, market-making activities, investment research, investment counseling, investment banking services, retail and commercial banking, insurance products, payment services, and information processing services. It acts as a professional participant through its subsidiaries on the Kazakhstan Stock Exchange (KASE), Moscow Exchange (MOEX), Saint-Petersburg Exchange (SPB), the Ukrainian Exchange, the Uzbek Republican Currency Exchange (UZCE), and the Republican Stock Exchange of Tashkent (UZSE). Its segments are Brokerage, Banking, Insurance, and Others.
76GF Score
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