From Almaty to Stanford: Freedom Holding becomes a global business case study
The case, titled 'Freedom Holding: Building an Ecosystem as a Path to Scale,' explores the transformation of a small brokerage firm into a digital ecosystem that today unites finance, insurance, payment solutions, telecommunications, and everyday online services. The company's central platform, the Freedom SuperApp, allows users to manage both their finances and daily lives in a single digital space.
'If you don't give the customer everything in one place, they'll go somewhere more convenient. We weren't just building a product — we were building an environment where people enjoy living,' said Timur Turlov, CEO of Freedom Holding. The story of Freedom Holding is not just a success story — it's described as 'a guide to survival and scaling in times of uncertainty.'
Key themes explored in the study include:
• Leading in the absence of formal rules
• Building infrastructure from scratch
• Growth through service integration
• Strategic balance between competition and cooperation
• The role of mission and values in strategic decision-making
Today, Freedom Holding is considering multiple paths for future development — from strengthening its position in Kazakhstan to entering new markets in the Middle East, Southeast Asia, and Africa.
The case was developed jointly by Stanford faculty and representatives of Freedom Holding, and is already being used in Stanford's course on platform strategy and digital transformation in emerging markets.
'This is a moment of pride not only for our team, but for the entire region. We've proven that big ideas can be born outside of New York and London — in places like Almaty or Astana,' Turlov said.
About Freedom Holding Corp.
Freedom Holding Corp. is an international financial and technology group listed on the Nasdaq (ticker: FRHC). The company offers investment, banking, insurance, and digital services through its integrated platform, Freedom SuperApp. The group operates in 22 countries, including Kazakhstan, the United States, Cyprus, Poland, Spain, Uzbekistan, and Armenia. The Company's principal executive office is located in New York City. Freedom Holding Corp. is regulated by the U.S. Securities and Exchange Commission (SEC).
Hashtags
Try Our AI Features
Explore what Daily8 AI can do for you:
Comments
No comments yet...
Related Articles
Yahoo
7 minutes ago
- Yahoo
Should You Sell Apple's Stock Before July 31?
Key Points Apple's stock trades at a premium to the market despite slow growth. Apple has fallen behind in the AI arms race. Tariff impacts could harm the company's margins. 10 stocks we like better than Apple › As earnings season approaches, investors should review their portfolios and assess whether there is still upside left or if the next piece of news could be negative. This could apply to Apple (NASDAQ: AAPL), as investors have been fairly bearish on the stock for a good reason. While the rest of the market has rallied from its lows in April and May, Apple's stock has remained relatively flat, down 15% for the year at the time of this writing. I think this lack of participation isn't a buying opportunity; it's a sign of things to come. As a result, it may be a good idea to unload shares before Apple's next quarterly earnings report on July 31. Apple has failed to be an innovator lately Apple needs little introduction; it's the leading consumer technology brand and millions around the globe own its products. However, there's only a limited population, and Apple may have neared the saturation point for its product line. Furthermore, Apple has failed to release any real game-changing features in recent years. It wasn't all that long ago when consumers would purchase a new iPhone each year for all of the new upgrades. Now, it's only incremental battery life and camera upgrades, with little true innovation. On the AI front, Apple has been left behind by its Android peers, as Apple Intelligence, its take on AI, hasn't delivered anything noteworthy. This is a telltale sign of a company that's relying on its prior success, and it's evident in Apple's financials. Apple's growth has been very slow recently Apple's revenue growth has been poor over the past few years. With Apple's 5.1% increase last quarter looking like a huge improvement from prior quarters, that's not a great position to be in. However, for a mature company like Apple, investors care more about earnings per share (EPS) growth than revenue growth. Apple can repurchase shares and improve margins to squeeze out faster earnings growth than revenue growth, but those days may be limited as well. Apple has repeatedly delivered quarters with less than a 10% EPS growth rate, which suggests it may underperform the market over the long term, given the market's long-term average growth rate of around 10%. Despite Apple continuously delivering slower-than-average growth, its stock trades at a hefty premium to the market. Although Apple's valuation has come down, its 29.4 times forward earnings is still far more expensive than the S&P 500's 23.7 times forward earnings. This suggests that the market is overpaying for Apple's stock, and its third-quarter fiscal year 2025 earnings announcement on July 31 could serve as another wake-up call for investors. There wasn't much that happened in the quarter that could have boosted Apple's sales, and with tariffs likely squeezing its margins, the odds of the stock moving lower are far more likely than it moving higher. Investors should consider moving on from Apple stock. It has been on a great run and produced phenomenal returns, but there are many other stocks with stronger growth that look like better places to be invested in right now. Should you invest $1,000 in Apple right now? Before you buy stock in Apple, consider this: The Motley Fool Stock Advisor analyst team just identified what they believe are the for investors to buy now… and Apple wasn't one of them. The 10 stocks that made the cut could produce monster returns in the coming years. Consider when Netflix made this list on December 17, 2004... if you invested $1,000 at the time of our recommendation, you'd have $687,149!* Or when Nvidia made this list on April 15, 2005... if you invested $1,000 at the time of our recommendation, you'd have $1,060,406!* Now, it's worth noting Stock Advisor's total average return is 1,069% — a market-crushing outperformance compared to 180% for the S&P 500. Don't miss out on the latest top 10 list, available when you join Stock Advisor. See the 10 stocks » *Stock Advisor returns as of July 15, 2025 Keithen Drury has no position in any of the stocks mentioned. The Motley Fool has positions in and recommends Apple. The Motley Fool has a disclosure policy. Should You Sell Apple's Stock Before July 31? was originally published by The Motley Fool
Yahoo
7 minutes ago
- Yahoo
BofA Drops Jaw-Dropping Target On Microsoft Stock
Bank of America analyst Brad Sills raised Microsoft's (NASDAQ:MSFT) price target to $585 from $515 ahead of the company's fiscal fourth-quarter results, set for July 30. According to partner checks, deal activity appears to be tracking in line with last quarter, with notable strength in Azure momentum. Office performance also looks solid, thanks to ongoing E3 and E5 upgrades and the early rollout of Copilot. Meanwhile, better-than-expected desktop shipments are providing a lift to the mobile personal computing segment. Warning! GuruFocus has detected 7 Warning Sign with MSFT. Sills is modeling full-year fiscal 2026 revenue growth at roughly 14%, with Azure expected to contribute more than 30% of total sales. He also notes that capital spending is stabilizing as a percentage of revenue, while margins are continuing to expand. Investors have already pushed Microsoft shares up about 30% since those partner conversations began. Now, all attention turns to the July 30 earnings report to see if Microsoft can beat expectations and prove that Copilot is a true growth catalyst. This article first appeared on GuruFocus. Errore nel recupero dei dati Effettua l'accesso per consultare il tuo portafoglio Errore nel recupero dei dati Errore nel recupero dei dati Errore nel recupero dei dati Errore nel recupero dei dati
Yahoo
7 minutes ago
- Yahoo
Opendoor Explodes 175% After Hedge Fund Shoutout--But Is a Crash Coming Next?
Opendoor Technologies (NASDAQ:OPEN) just pulled off one of the wildest comebacks of the year. After a rough stretch that saw the stock down over 50% in 2024, it's suddenly up more than 175% this week alonefueled by a burst of retail speculation and a timely endorsement from hedge fund manager Eric Jackson. Jackson, who runs Toronto-based EMJ Capital, took to social media last week to call attention to Opendoor's leaner cost structure and push for profitability. That was enough to ignite the crowd. By Friday afternoon, the stock had spiked as much as 39%, setting the stage for its biggest weekly gain ever. Warning! GuruFocus has detected 6 Warning Signs with OPEN. The numbers behind the move are staggering. Roughly 340 million shares traded hands on Fridaymore than three times the typical volume. Short interest? About 24% of the free float, according to S3 Partners. That's high enough to spark a classic short squeeze. Options traders swarmed in too, driving call volumes to record highs and pushing implied volatility sharply higher. But not everyone's betting on more upsideput option activity jumped late Friday, hinting that some are positioning for a reversal after this parabolic run. Opendoor, which went public via SPAC in 2020, had largely fallen off the radar since its pandemic-era boom. But this week's action is a reminder: in a market still shaped by the post-Gamestop playbook, heavily shorted names can explode with the right mix of narrative, volume, and social media fuel. Whether this rally has legsor ends in a sharp reversalremains to be seen. For now, Opendoor is back in the spotlight. This article first appeared on GuruFocus. Error in retrieving data Sign in to access your portfolio Error in retrieving data Error in retrieving data Error in retrieving data Error in retrieving data
