CFR vs FRHC

Comparison between Cullen Frost Bankers Inc (CFR, Company) and Freedom Holding Corp (FRHC, Company).

Both CFR and FRHC are from the Financial Services sector.

5-Year PerformanceFRHC has outperformed CFR, delivering a return of +24.6% compared to +5.6%

CFR vs FRHC - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	CFR(COMPANY)	FRHC(COMPANY)
Market Cap	$8.69B	$8.69B
Max Drawdown	59.24%	45.93%
Sharpe Ratio	0.48	-0.34
5Y Beta	0.92	1.15
Industry	Banks - Regional	Financial Conglomerates
P/E Ratio	13.47	3902.85
Forward P/E	13.26	12.29
PEG Ratio	1.09	N/A
Dividend Yield	2.87%	N/A
5Y Dividends CAGR	6.75%	N/A
5Y EPS CAGR	7.22%	-37.46%
Debt to Equity	0.00%	0.00%
Free Cash Flow Yield	7.63%	32.69%

Market Cap

CFR

$8.69B

Winner

FRHC

$8.69B

Max Drawdown

CFR

59.24%

Winner

FRHC

45.93%

Sharpe Ratio

Winner

CFR

0.48

FRHC

-0.34

5Y Beta

Winner

CFR

0.92

FRHC

1.15

Industry

CFR

Banks - Regional

FRHC

Financial Conglomerates

P/E Ratio

Winner

CFR

13.47

FRHC

3902.85

Forward P/E

CFR

13.26

Winner

FRHC

12.29

PEG Ratio

CFR

1.09

FRHC

N/A

Dividend Yield

CFR

2.87%

FRHC

N/A

5Y Dividends CAGR

CFR

6.75%

FRHC

N/A

5Y EPS CAGR

Winner

CFR

7.22%

FRHC

-37.46%

Debt to Equity

CFR

0.00%

FRHC

0.00%

Free Cash Flow Yield

CFR

7.63%

Winner

FRHC

32.69%

CFR vs FRHC - Historical Returns

Returns include dividend reinvestment.

Period	CFR	FRHC
1 month	-4.09%	-6.51%
3 months	-0.38%	+18.26%
6 months	+12.17%	+7.40%
1 year	+9.37%	-9.26%
5 years(CAGR)	+5.61%	+24.64%
10 years(CAGR)	+10.63%	+64.32%
Max(CAGR)	+9.17%	+64.32%

Winner

CFR

-4.09%

FRHC

-6.51%

CFR

-0.38%

Winner

FRHC

+18.26%

Winner

CFR

+12.17%

FRHC

+7.40%

Winner

CFR

+9.37%

FRHC

-9.26%

5Y(CAGR)

CFR

+5.61%

Winner

FRHC

+24.64%

10Y(CAGR)

CFR

+10.63%

Winner

FRHC

+64.32%

Max(CAGR)

CFR

+9.17%

Winner

FRHC

+64.32%

CFR vs FRHC - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

Year	CFR	FRHC
2026	+8.20%	+14.39%
2025	-1.66%	-8.68%
2024	+27.34%	+63.69%
2023	-13.83%	+39.78%
2022	+6.20%	-16.73%
2021	+47.55%	+38.74%
2020	-7.59%	+249.29%
2019	+13.22%	+75.60%
2018	-5.41%	+29.06%
2017	+11.10%	+227.84%
2016	+57.58%	N/A
2015	-11.28%	N/A
2014	-1.24%	N/A
2013	+37.51%	N/A
2012	+3.97%	N/A
2011	-11.43%	N/A
2010	+26.13%	N/A
2009	+3.05%	N/A
2008	+6.37%	N/A
2007	-8.21%	N/A
2006	+5.10%	N/A
2005	+14.71%	N/A
2004	+22.84%	N/A
2003	+24.46%	N/A
2002	+10.64%	N/A
2001	-20.67%	N/A
2000	+76.83%	N/A
1999	-9.44%	N/A

CFR vs FRHC Drawdown Comparison

The maximum drawdown for CFR was -56.84%, occurring on Mar 23, 2020. Recovery took 702 trading sessions.

The maximum drawdown for FRHC was -45.93%, occurring on Jun 16, 2022. Recovery took 320 trading sessions.

The current CFR drawdown is -5.72%. The current FRHC drawdown is -25.26%.

Rank	CFR	FRHC
#1	-56.84% May 21, 2018 - Mar 5, 2021	-45.93% Nov 8, 2021 - Feb 16, 2023
#2	-46.03% Jun 26, 2015 - Nov 9, 2016	-41.08% Aug 6, 2025 - Feb 19, 2026
#3	-45.62% Nov 8, 2022 - Jan 21, 2026	-38.69% Oct 17, 2017 - Nov 15, 2017
#4	-43.82% Dec 28, 2000 - Nov 25, 2003	-35.24% Aug 30, 2023 - Oct 17, 2024
#5	-40.62% Sep 19, 2008 - Apr 29, 2010	-29.13% Feb 13, 2025 - May 13, 2025
#6	-33.91% Dec 3, 1999 - Aug 3, 2000	-27.84% Feb 19, 2020 - May 26, 2020
#7	-27.45% Jan 18, 2011 - Mar 16, 2012	-25.25% Feb 7, 2018 - Sep 27, 2018
#8	-23.55% Nov 12, 2014 - Jun 26, 2015	-25.20% Feb 16, 2021 - Jun 15, 2021
#9	-21.26% Mar 29, 2022 - Oct 13, 2022	-24.46% May 20, 2025 - Jul 31, 2025
#10	-21.17% May 15, 2008 - Sep 8, 2008	-22.51% Dec 3, 2018 - Jan 18, 2019
#11	-20.91% Sep 5, 2006 - May 1, 2008	-16.57% Jun 13, 2023 - Aug 18, 2023
#12	-18.59% May 17, 2021 - Oct 14, 2021	-16.49% Jan 18, 2019 - May 9, 2019
#13	-18.16% Sep 28, 2000 - Dec 7, 2000	-15.73% Jan 12, 2018 - Jan 26, 2018
#14	-16.68% Jun 13, 2017 - Oct 19, 2017	-13.44% Feb 16, 2023 - May 5, 2023
#15	-14.53% May 3, 2010 - Dec 9, 2010	-13.28% Nov 30, 2017 - Dec 28, 2017