Which has the lower trailing P/E, FRHC or UMBF?

UMBF has the lower trailing P/E: FRHC trades at 68.72 and UMBF at 10.83. P/E is one valuation measure and does not by itself establish which business is cheaper.

Which has grown faster, FRHC or UMBF?

Over the past five years, FRHC grew revenue faster — FRHC at a 42.42% CAGR versus UMBF at 28.02%.

Does FRHC or UMBF pay a bigger dividend?

UMBF pays a dividend (1.38% yield), while FRHC is a former payer with no current dividend run rate.

Is FRHC or UMBF more profitable?

UMBF runs the higher net margin — FRHC at 6.62% versus UMBF at 20.67%.

How have FRHC and UMBF total returns compared?

Over the past 5 years, FRHC delivered 22.47% and UMBF delivered 7.01% annualized total return. Past performance doesn't predict future results.

Freedom Holding Corp. (FRHC) vs UMB Financial Corporation (UMBF)

A side-by-side comparison of Freedom Holding Corp. and UMB Financial Corporation across valuation, profitability, dividends, and growth — built entirely from reported fundamentals, as of October 6, 2026. Differences are shown without an overall score or investment verdict.

FRHC

Freedom Holding Corp.

$10.66B

$173.86Financial ServicesDelayed quote: Oct 6, 2026, 4:00 PM EDT

UMBF

UMB Financial Corporation

$9.88B

$130.08Financial ServicesDelayed quote: Oct 6, 2026, 4:00 PM EDT

Total return — FRHC vs UMBF

growth of $100 · dividends reinvested · last 9y

FRHC +8842.8% (+64.8%/yr)UMBF +103.9% (+8.2%/yr)FRHC compounded faster over this window

Log scale — wide-divergence pair

FRHC UMBF

FRHC vs UMBF: by the numbers

•FRHC is the larger company ($10.66B vs $9.88B market cap).
•UMBF trades at the lower trailing earnings multiple (10.83 vs 68.72 P/E), one valuation lens rather than an overall verdict.
•UMBF converts more revenue to profit (20.67% vs 6.62% net margin).
•FRHC grew revenue faster over the past five years (42.42% vs 28.02% CAGR).
•UMBF pays a dividend (1.38% yield), while FRHC is a former payer with no current dividend run rate.

Metrics side by side

Valuation

Metric	FRHC	UMBF
P/E ratio	68.72	10.83
Forward P/E	27.64	9.82
PEG ratio	N/A	1.20
P/S ratio	4.57	2.17
P/B ratio	6.94	1.28

Profitability

Metric	FRHC	UMBF
Gross margin	72.17%	N/A
Operating margin	30.66%	22.12%
Net margin	6.62%	20.67%
ROE	10.07%	11.74%

UMB Financial Corporation: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.

Dividends

Metric	FRHC	UMBF
Dividend yield	N/A	1.38%
Payout ratio	N/A	14.90%

Growth (annualized)

Metric	FRHC	UMBF
Revenue CAGR (5Y)	42.42%	28.02%
EPS CAGR (5Y)	0.00%	9.11%
Total return CAGR (5Y)	22.47%	7.01%

Frequently asked

Which has the lower trailing P/E, FRHC or UMBF?: UMBF has the lower trailing P/E: FRHC trades at 68.72 and UMBF at 10.83. P/E is one valuation measure and does not by itself establish which business is cheaper.
Which has grown faster, FRHC or UMBF?: Over the past five years, FRHC grew revenue faster — FRHC at a 42.42% CAGR versus UMBF at 28.02%.
Does FRHC or UMBF pay a bigger dividend?: UMBF pays a dividend (1.38% yield), while FRHC is a former payer with no current dividend run rate.
Is FRHC or UMBF more profitable?: UMBF runs the higher net margin — FRHC at 6.62% versus UMBF at 20.67%.
How have FRHC and UMBF total returns compared?: Over the past 5 years, FRHC delivered 22.47% and UMBF delivered 7.01% annualized total return. Past performance doesn't predict future results.

Go deeper

Full FRHC analysis Full UMBF analysis Interactive comparison tool

Dig into the metrics

Freedom P/E ratio UMB Financial P/E ratio UMB Financial dividend yield Freedom ROE UMB Financial ROE Freedom operating margin UMB Financial operating margin Freedom revenue growth UMB Financial revenue growth

Freedom & UMB Financial appear in these rankings

Fastest Revenue Growth Stocks Highest Operating Margin Stocks Lowest P/E Ratio Stocks

Figures are sourced from reported fundamentals and the latest end-of-day price. This comparison is informational only and is not investment advice. Past performance does not predict future results. See our methodology. Compiled by TGMCharts Research · data verified October 6, 2026.