First Horizon vs Freedom Holding

First Horizon (First Horizon Corp.) and Freedom Holding (Freedom Holding Corp/NV) are compared on this page to illuminate how their businesses operate. This page examines business models, financial performance, and market context in a neutral, accessible way, helping readers understand each company’s positioning within its markets. Educational content, not financial advice.

First Horizon (First Horizon Corp.) and Freedom Holding (Freedom Holding Corp/NV) are compared on this page to illuminate how their businesses operate. This page examines business models, financial pe...

Comparison Snapshot

Key Financial Metrics

FHN

Metric

FRHC

$11.60B

Market Cap

$7.50B

3.71%

Potential Profit

N/A

Buy

Analyst Rating

N/A

Investment Analysis

First Horizon

FHN

Pros

First Horizon reported strong Q3 2025 earnings, beating EPS expectations with $0.51 versus $0.44 forecast and revenue of $889 million, surpassing estimates.
The company has improved net interest income by 7.5% year-over-year, contributing positively to revenue growth.
First Horizon maintains a diversified banking model covering regional, specialty, and corporate segments, offering commercial, consumer, and wealth management services.

Considerations

Management's shift toward potential acquisitions has raised strategic uncertainty, causing some analysts to lower price targets and ratings.
The bank's efficiency ratio worsened to 61.9%, exceeding estimates and indicating rising costs that could pressure profitability.
Shares have experienced significant volatility, falling over 9% following strong results, suggesting investor concern over execution risks and cost management.

Freedom Holding

FRHC

Pros

Freedom Holding has shown significant growth in brokerage and financial services across emerging markets, expanding its global footprint rapidly.
The company benefits from increasing retail investor participation and trading volumes, driving revenue growth potential.
Freedom Holding consistently invests in technology platforms to enhance customer experience and operational scalability.

Considerations

The company faces regulatory risks and geopolitical exposure due to operations in multiple emerging markets with evolving legal frameworks.
Dependence on market trading activity makes Freedom Holding vulnerable to financial market volatility and cyclical downturns.
Profitability can be impacted by intense competition from larger, established global financial firms with deeper resources.

About The Companies

First Horizon (FHN)

First Horizon Corp. (FHN) is a US regional bank offering commercial and consumer banking, mortgage lending, treasury and wealth management services. With a market capitalisation around $10.4bn, it serves businesses and individuals across multiple states through branches and digital channels. Investors should note the company’s earnings are sensitive to interest-rate moves, loan growth and deposit trends; rising rates can boost net interest margin but may also affect loan demand and credit quality. Key risks include economic slowdowns, regional commercial real-estate exposure, competition from larger banks and fintechs, and regulatory oversight. Balance-sheet strength, capitalisation and loan-loss provisioning are central to resilience in tougher environments. First Horizon can be of interest to investors seeking exposure to the US regional banking sector, but performance can vary and dividends are not guaranteed. This summary is educational only and not personalised investment advice — consider your risk tolerance and consult a financial adviser before investing.

Freedom Holding (FRHC)

Freedom Holding Corp (FRHC) is a Nevada‑registered financial holding company that provides brokerage, investment banking, asset management and fintech services through a network of subsidiaries, primarily in Central Asia and parts of Europe. Known for its online trading platforms and growing retail client base, the group has expanded via organic growth and acquisitions. With a market capitalisation of about $9.51 billion, the company sits in the mid‑cap range and is often considered a growth‑oriented financial services business. Investors should note the firm’s exposure to emerging markets, foreign‑exchange and regulatory shifts, which can create above‑average volatility compared with developed‑market brokers. Potential attractions include expanding client volumes, technology‑driven distribution and diversified service lines, but these sit alongside concentrated geographic and political risks, cyclical revenues and evolving compliance landscapes. This summary is educational only and not investment advice; suitability depends on individual circumstances and risk tolerance.

Which Baskets Do They Appear In?

Fed Rate Cut Stocks: Banking Sector Risks & Rewards

The Federal Reserve's recent interest rate cut, the first of the year, has created a mixed reaction in the market. This theme focuses on companies that are poised to benefit from lower borrowing costs and increased economic activity.

Published: September 18, 2025

Explore Basket

Fed Pivot Stocks: Rate Cut Risks & Opportunities

A weaker-than-expected jobs report has increased the likelihood of a Federal Reserve interest rate cut. This theme focuses on companies poised to benefit from lower borrowing costs, which can stimulate lending and consumer spending.

Published: September 8, 2025

Explore Basket

Community Banking Catalyst

This carefully selected group of stocks features regional and community banks positioned to benefit from the FDIC's proposed simplification of the Community Reinvestment Act. Our professional analysts identified these financial institutions as potentially gaining from reduced regulatory burdens, which could boost lending capacity and shareholder value.

Published: July 14, 2025

Explore Basket

Which Baskets Do They Appear In?

Fed Rate Cut Stocks: Banking Sector Risks & Rewards

The Federal Reserve's recent interest rate cut, the first of the year, has created a mixed reaction in the market. This theme focuses on companies that are poised to benefit from lower borrowing costs and increased economic activity.

Published: September 18, 2025

Explore Basket

Fed Pivot Stocks: Rate Cut Risks & Opportunities

A weaker-than-expected jobs report has increased the likelihood of a Federal Reserve interest rate cut. This theme focuses on companies poised to benefit from lower borrowing costs, which can stimulate lending and consumer spending.

Published: September 8, 2025

Explore Basket

Community Banking Catalyst

This carefully selected group of stocks features regional and community banks positioned to benefit from the FDIC's proposed simplification of the Community Reinvestment Act. Our professional analysts identified these financial institutions as potentially gaining from reduced regulatory burdens, which could boost lending capacity and shareholder value.

Published: July 14, 2025

Explore Basket

Discover More Comparisons

First Horizon vs Comerica

First Horizon vs SEI

First Horizon vs SEI: A stock comparison

First Horizon vs Invesco

First Horizon vs Invesco: a quick comparison

First Horizon vs Freedom Holding

Comparison Snapshot