FRHC (Freedom Holding) Moat Score: 4/10 (As of Jun. 28, 2026)


FRHC Freedom Holding Corp FRHC
84 GF Score
Price $128.38
GF Value $153.27
Valuation Modestly Undervalued
! 11 Warning Signs
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What is Freedom Holding Moat Score?

Freedom Holding FRHC -0.53% 84 Moat Score is 4 as of Jun. 28, 2026. GuruFocus rates FRHC with a GF Score™ of 84/100 and a GF Value™ of $153.27 (Modestly Undervalued). The stock has 11 warning signs investors should review. Among 594 Diversified Financial Services companies, Freedom Holding ranks better than 98.82% on this metric.

Freedom Holding has the Moat Score of 4, which implies that the company might have Narrow Moat - Discernible but modest moat.

Freedom Holding has Narrow Moat: Freedom Holding Corp has a discernible but modest moat due to its presence in the financial services industry. It benefits from some customer loyalty and brand strength, but lacks significant market share or cost advantages. The company's moat is supported by its distribution network and regulatory compliance.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Freedom Holding might have Narrow Moat - Discernible but modest moat.

Freedom Holding  (NAS:FRHC) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Freedom Holding Moat Score Related Terms

FRHC vs VOYA, HTH, TREE: Moat Score Comparison

For the Financial Conglomerates subindustry, Freedom Holding's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Diversified Financial Services Industry

For the Diversified Financial Services industry and Financial Services sector, Freedom Holding's Moat Score distribution charts can be found below:

* The bar in red indicates where Freedom Holding's Moat Score falls into.


FRHC
84GF Score
Freedom Holding Corp FRHC
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 4 mean?
Freedom Holding (FRHC) has a Moat Score of 4 as of Jun. 28, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Freedom Holding ranks #7 out of 594 companies in the Diversified Financial Services industry, placing it in the top 1.2%.
Is Freedom Holding's Moat Score too high?
Freedom Holding's current Moat Score is 4. Based on the distribution chart, Freedom Holding ranks #7 out of 594 companies in the Diversified Financial Services industry, which is in the top quartile — a strong position relative to peers. Overall, Freedom Holding has a GF Score™ of 84/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Freedom Holding's Moat Score compare to VOYA and HTH?
According to the Diversified Financial Services industry distribution chart, Freedom Holding ranks #7 out of 594 companies for Moat Score. This places Freedom Holding in the top 1% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Diversified Financial Services company?
A good Moat Score depends on the Diversified Financial Services industry context. However, Moat Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Freedom Holding's current Moat Score is 4. 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 Modestly Undervalued. The stock's GF Value™ is $153.27, compared to a current price of $128.38 — trading 16.2% below its estimated fair value. The current Moat Score is 4. Freedom Holding's overall GF Score™ is 84/100 with 11 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Freedom Holding (FRHC), the current Moat Score is 4 as of Jun. 28, 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 undervalued. The current stock price of $128.38 is trading 16.2% below its estimated GF Value™ of $153.27. GuruFocus considers Freedom Holding to be Modestly Undervalued.

Key valuation signals for FRHC:

  • Moat Score: 4
  • GF Value™: $153.27 vs. price of $128.38 (16.2% below fair value)
  • GF Score™: 84/100 with 11 warning signs

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 Business Description

Address 40 Wall Street, 58th Floor, New York, NY, USA, 10005
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.
84GF Score

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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$128.38
Price
$153.27
GF Value