Freedom Holding Corp (FRHC) Investor Day 2025 summary

Strategic vision and growth plans

• Focus on building a global digital ecosystem, leveraging Kazakhstan as a testing ground for scalable fintech and banking solutions, with ambitions to expand into Europe, the US, and emerging markets like Africa and the Middle East.

• Emphasis on integrating core services—brokerage, banking, insurance—into a super app to drive customer retention, cross-monetization, and operational efficiency.

• Plans to replicate the successful Kazakhstan model in other Central Asian, Caucasus, and international markets, capitalizing on regulatory advantages and local talent.

• Investment in digital infrastructure, including large data centers, to support growth, data sovereignty, and cloud services for the region.

• Commitment to opportunistic, scalable technology deployment, aiming to become a leading global digital ecosystem or a key part of one.

Financial guidance and performance

• Prioritizing reinvestment of profits into future growth and ecosystem development over maximizing short-term profitability.

• Market cap recently surpassed $10 billion, reflecting rapid growth since going public five and a half years ago.

• Focus on non-financial metrics such as market share, customer retention, and ecosystem integration as key indicators of long-term value.

• High interest rates in Kazakhstan have temporarily boosted sector profitability, but the company is preparing for changing market conditions.

• Integration of acquired companies and technology investments is accelerating market share growth and reducing customer acquisition costs.

Technology and innovation

• Heavy investment in predictive AI and machine learning to enhance risk management, fraud detection, and personalized customer offerings across banking, insurance, and e-commerce.

• AI-driven data lakes enable precise risk-based pricing, instant loan approvals, and targeted product recommendations, leading to leadership in consumer lending and insurance.

• Super app strategy aims to replicate models like Revolut and Robinhood, integrating multiple financial services for seamless user experience and global competitiveness.

• Ongoing development of proprietary technology to ensure cost efficiency and adaptability to strict regulatory environments in Europe and beyond.

• Use of AI for multilingual content delivery and research, increasing accessibility for diverse customer bases.