| Name | Market Cap | Current Price | P/E Ratio | Revenue Growth 1Y | Net Margin | ROE | FCF Yield | Debt/Equity |
|---|---|---|---|---|---|---|---|---|
| RKTRocket Companies, Inc. | 22.67B | 23.44 | 111.62 | 34.84% | 0.54% | -1.15% | 1.55 | |
| BETRBetter Home & Finance Holding Company | 361.49M | 36.68 | -2.69 | 35.65% | -171.83% | -362.58% | ||
| LDIloanDepot, Inc. | 337.47M | 2.67 | -5.04 | 7.04% | -8.8% | -16.94% | 10.72 |
| Dec 2015 | Dec 2016 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | |
|---|---|---|---|---|---|---|
| Net Interest Income | 0 | 0 | -100.97M | -303.18M | -31.6M | 0 |
| NII Growth % | - | - | - | -2% | 0.9% | 1% |
| Net Interest Margin % | - | - | - | - | - | - |
| Interest Income | 0 | 0 | 0 | 0 | 0 | 0 |
| Interest Expense | 12.43M | 22.9M | 100.97M | 303.18M | 31.6M | 0 |
| Loan Loss Provision | 68.54M | 117.8M | 868.32M | 390.39M | 118.22M | 162.58M |
| Non-Interest Income | 183.91M | 270.81M | 1.31B | 395.08M | 88.5M | 120.05M |
| Non-Interest Income % | - | - | - | - | - | - |
| Total Revenue | 183.91M | 270.81M | 1.31B | 395.08M | 88.5M | 120.05M |
| Revenue Growth % | - | 0.47% | 3.84% | -0.7% | -0.78% | 0.36% |
| Non-Interest Expense | 66.31M | 70.25M | 581.98M | 560.43M | 229.97M | 145.49M |
| Efficiency Ratio | - | - | - | - | - | - |
| Operating Income | 36.63M | 60.36M | -239.68M | -858.92M | -291.28M | -188.02M |
| Operating Margin % | - | - | - | - | - | - |
| Operating Income Growth % | - | 0.65% | -4.97% | -2.58% | 0.66% | 0.35% |
| Pretax Income | 24.21M | 42.65M | -303.51M | -875.98M | -534.42M | -205.44M |
| Pretax Margin % | - | - | - | - | - | - |
| Income Tax | 14.32M | 15.36M | -2.38M | 1.1M | 2M | 850K |
| Effective Tax Rate % | - | - | - | - | - | - |
| Net Income | 9.88M | 27.29M | -301.13M | -877.08M | -536.42M | -206.29M |
| Net Margin % | - | - | - | - | - | - |
| Net Income Growth % | - | 1.76% | -12.03% | -1.91% | 0.39% | 0.62% |
| Net Income (Continuing) | 9.88M | 27.29M | -301.13M | -877.08M | -536.42M | -206.29M |
| EPS (Diluted) | 0.13 | 0.38 | -0.41 | -1.21 | -1.16 | -13.65 |
| EPS Growth % | - | 1.92% | -2.08% | -1.95% | 0.04% | -10.77% |
| EPS (Basic) | 0.13 | 0.38 | -0.41 | -1.21 | -1.16 | -13.65 |
| Diluted Shares Outstanding | 74.82M | 71.52M | 737.59M | 737.59M | 461.68M | 15.11M |
| Dec 2015 | Dec 2016 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | |
|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K |
| Cash & Due from Banks | 18.75M | 10.32M | 938.32M | 317.96M | 503.59M | 211.1M |
| Short Term Investments | 0 | 0 | 0 | 0 | 1000K | 1000K |
| Total Investments | 0 | 0 | -279.09M | 0 | 25.6M | 53.77M |
| Investments Growth % | - | - | - | 1% | - | 1.1% |
| Long-Term Investments | 0 | 0 | -279.09M | 0 | 0 | 0 |
| Accounts Receivables | 0 | 0 | 0 | 1000K | 0 | 0 |
| Goodwill & Intangibles | - | - | - | - | - | - |
| Goodwill | 47.42M | 151.95M | 19.81M | 17.39M | 32.39M | 23.61M |
| Intangible Assets | 269.47M | 560M | 72.49M | 62M | 38.13M | 20.94M |
| PP&E (Net) | 2.15M | 45.88M | 97.93M | 70.15M | 36.44M | 4.1M |
| Other Assets | 2.9M | -8.62M | 23.56M | 239.65M | 1.72M | 2.54M |
| Total Current Assets | 38.85M | 79.23M | 3.09B | 694.16M | 792.09M | 861.86M |
| Total Non-Current Assets | 321.94M | 759.01M | 213.79M | 389.19M | 108.67M | 51.19M |
| Total Assets | 360.79M | 838.24M | 3.3B | 1.08B | 905.55M | 913.06M |
| Asset Growth % | - | 1.32% | 2.94% | -0.67% | -0.16% | 0.01% |
| Return on Assets (ROA) | 0.03% | 0.05% | -0.15% | -0.4% | -0.54% | -0.23% |
| Accounts Payable | 9.3M | 32.58M | 133.26M | 82.44M | 66.56M | 48.13M |
| Total Debt | 16.51M | 7.67M | 2.37B | 1.1B | 672.06M | 767.9M |
| Net Debt | -2.24M | -2.65M | 1.43B | 778M | 168.47M | 556.8M |
| Long-Term Debt | 3.76M | 6.68M | 626.36M | 894.4M | 514.64M | 519.75M |
| Short-Term Debt | 12.75M | 991K | 1.67B | 144.05M | 126.22M | 244.07M |
| Other Liabilities | 277.17M | 664.9M | -416.81M | 34.65M | 28.84M | 11.84M |
| Total Current Liabilities | 59.33M | 60.04M | 2.34B | 264.69M | 208.26M | 435.56M |
| Total Non-Current Liabilities | 286.04M | 726.47M | 283.21M | 986.56M | 574.69M | 535.66M |
| Total Liabilities | 345.37M | 786.51M | 2.62B | 1.25B | 782.95M | 971.23M |
| Total Equity | 15.42M | 51.73M | 677.81M | -167.9M | 122.6M | -58.17M |
| Equity Growth % | - | 2.35% | 12.1% | -1.25% | 1.73% | -1.47% |
| Equity / Assets (Capital Ratio) | - | - | - | - | - | - |
| Return on Equity (ROE) | 0.64% | 0.81% | -0.83% | -3.44% | -4.38% | -6.4% |
| Book Value per Share | 0.21 | 0.72 | 0.92 | -0.23 | 0.27 | -3.85 |
| Tangible BV per Share | - | - | - | - | - | - |
| Common Stock | 0 | 8K | 10K | 10K | 74K | 2K |
| Additional Paid-in Capital | 0 | 0 | 13.69M | 618.11M | 1.84B | 1.86B |
| Retained Earnings | 14.62M | 41.92M | -292.61M | -1.17B | -1.7B | -1.91B |
| Accumulated OCI | 0 | -31.47M | -105K | -1.42M | -1.71M | -1.94M |
| Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 |
| Preferred Stock | 0 | 0 | 436.28M | 436.28M | 0 | 0 |
| Dec 2015 | Dec 2016 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | |
|---|---|---|---|---|---|---|
| Cash from Operations | 47M | -803K | 361.21M | 938.22M | -159.72M | -379.97M |
| Operating CF Growth % | - | -1.02% | 450.83% | 1.6% | -1.17% | -1.38% |
| Net Income | 9.88M | 27.29M | -301.13M | -262.94M | -536.42M | -206.29M |
| Depreciation & Amortization | 5.37M | 9.5M | 27.22M | 49.42M | 42.89M | 33.23M |
| Deferred Taxes | -8.24M | -1.66M | 118.31M | 0 | 0 | 0 |
| Other Non-Cash Items | 56.79M | -81.27M | 51.84B | 11.67B | 332.58M | -223.38M |
| Working Capital Changes | -20.11M | 39.67M | -51.37B | -10.55B | -52.93M | -10.28M |
| Cash from Investing | -8.61M | -388.08M | -68.7M | -34.66M | -38.59M | -143.81M |
| Purchase of Investments | 0 | 0 | 0 | 0 | -48.19M | -211.86M |
| Sale/Maturity of Investments | 0 | 0 | 0 | 0 | 1000K | 1000K |
| Net Investment Activity | - | - | - | - | - | - |
| Acquisitions | -7.83M | -365.62M | -5.07M | -3.85M | -11.95M | 0 |
| Other Investing | 0 | -16.52M | 5.02M | 4.47M | 0 | -105.17M |
| Cash from Financing | -25.26M | 380.97M | 304.54M | -1.54B | 381.4M | 239.13M |
| Dividends Paid | 0 | 0 | 0 | 0 | 0 | 0 |
| Share Repurchases | -18.75M | -10.32M | -5.65M | -7.95M | 0 | 0 |
| Stock Issued | 0 | 0 | 0 | 0 | 16.35M | 91K |
| Net Stock Activity | - | - | - | - | - | - |
| Debt Issuance (Net) | 0 | 0 | 1000K | -1000K | 1000K | 1000K |
| Other Financing | -25.26M | 380.97M | 21.19M | 838K | 1.81M | 122.29M |
| Net Change in Cash | 13.14M | -8.43M | 597.09M | -632.81M | 182M | -292.55M |
| Exchange Rate Effect | 0 | -520K | 35K | 725K | -1000K | -1000K |
| Cash at Beginning | 5.62M | 18.75M | 381.79M | 978.87M | 346.06M | 528.07M |
| Cash at End | 18.75M | 10.32M | 978.87M | 346.06M | 528.07M | 235.52M |
| Interest Paid | 0 | 0 | 0 | 13.07M | 0 | 13.82M |
| Income Taxes Paid | 0 | 0 | 0 | 1.83M | 0 | 0 |
| Free Cash Flow | 46.22M | -6.74M | 292.57M | 902.94M | -169.5M | -390.05M |
| FCF Growth % | - | -1.15% | 44.41% | 2.09% | -1.19% | -1.3% |
| Metric | 2015 | 2016 | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|---|
| Return on Equity (ROE) | 64.09% | 81.28% | -82.55% | -344.01% | -437.54% | -640.35% |
| Return on Assets (ROA) | 2.74% | 4.55% | -14.55% | -40.02% | -53.94% | -22.69% |
| Net Interest Margin | 0% | 0% | -3.06% | -27.98% | -3.49% | 0% |
| Efficiency Ratio | 36.05% | 25.94% | 44.37% | 141.85% | 259.85% | 121.19% |
| Equity / Assets | 4.27% | 6.17% | 20.54% | -15.5% | 13.54% | -6.37% |
| Book Value / Share | 0.21 | 0.72 | 0.92 | -0.23 | 0.27 | -3.85 |
| NII Growth | - | - | - | -200.25% | 89.58% | 100% |
Better Home & Finance Holding Company (BETR) grew revenue by 35.7% over the past year. This is strong growth.
Better Home & Finance Holding Company (BETR) reported a net loss of $185.2M for fiscal year 2024.
Better Home & Finance Holding Company (BETR) has a return on equity (ROE) of -640.4%. Negative ROE indicates the company is unprofitable.
Better Home & Finance Holding Company (BETR) has a net interest margin (NIM) of N/A. NIM has been under pressure due to interest rate environment.
Better Home & Finance Holding Company (BETR) has an efficiency ratio of 121.2%. This is higher than peers, suggesting room for cost optimization.