Better Home [BETR] vs Guild Holdings [GHLD] Detailed Stock Comparison

Better Home & Finance Holding Inc.

NASDAQ
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Guild Holdings Company

NYSE
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TLDR: Quick Comparison Summary

Based on 21 vital metrics comparison: Better Home & Finance Holding Inc. wins in 3 metrics, Guild Holdings Company wins in 15 metrics, with 0 ties. Guild Holdings Company appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric Better Home & Finance Holding Inc. Guild Holdings Company Better
P/E Ratio (TTM) 55.51 9.91 Guild Holdings Company
Price-to-Book Ratio 19.29 1.01 Guild Holdings Company
Debt-to-Equity Ratio 1,672.79 269.43 Guild Holdings Company
PEG Ratio 16.54 -0.07 Better Home & Finance Holding Inc.
EV/EBITDA -9.48 14.81 Guild Holdings Company
Profit Margin (TTM) -100.61% 9.92% Guild Holdings Company
Operating Margin (TTM) -87.27% 23.58% Guild Holdings Company
EBITDA Margin (TTM) N/A 23.58% N/A
Return on Equity -446.10% 10.52% Guild Holdings Company
Return on Assets (TTM) -13.72% 3.67% Guild Holdings Company
Free Cash Flow (TTM) $-177.80M $-668.99M Better Home & Finance Holding Inc.
Dividend Yield N/A 3.18% N/A
1-Year Return 116.88% 48.22% Better Home & Finance Holding Inc.
Price-to-Sales Ratio (TTM) 4.47 0.98 Guild Holdings Company
Enterprise Value $1.28B $4.45B Guild Holdings Company
EV/Revenue Ratio 7.79 3.51 Guild Holdings Company
Gross Profit Margin (TTM) -10.62% N/A N/A
Revenue per Share (TTM) $11 $20 Guild Holdings Company
Earnings per Share (Diluted) $-10.80 $2.02 Guild Holdings Company
Beta (Stock Volatility) 1.93 1.08 Guild Holdings Company
Short % of Float 35.80% 1.79% Guild Holdings Company

Better Home & Finance Holding Inc. vs Guild Holdings Company Stock Performance Analysis

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BETR
GHLD

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
Better Home & Finance Holding Inc.-6.81%-1.86%-36.47%-19.75%-40.49%-23.98%
Guild Holdings Company0.70%0.60%0.76%0.20%41.21%43.13%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
Better Home & Finance Holding Inc.116.88%-94.35%-94.10%-94.36%-94.36%-94.36%
Guild Holdings Company48.22%82.07%32.43%34.30%34.30%34.30%

Performance & Financial Health Analysis: Better Home & Finance Holding Inc. vs Guild Holdings Company

MetricBETRGHLD
Market Information
Market Cap i$676.26M$1.25B
Market Cap CategorySmall capSmall cap
10 Day Avg. Volume i656,69445,170
90 Day Avg. Volume i568,17533,413
Last Close$26.41$20.01
52 Week Range$10.81 - $94.06$11.21 - $23.57
% from 52W High-71.92%-15.10%
All-Time High$99.00 (Aug 21, 2023)$23.57 (Aug 08, 2025)
% from All-Time High-73.32%-15.10%
Growth Metrics
Quarterly Revenue Growth0.77%0.75%
Quarterly Earnings Growth0.41%0.90%
Financial Health
Profit Margin (TTM) i-1.01%0.10%
Operating Margin (TTM) i-0.87%0.24%
Return on Equity (TTM) i-4.46%0.11%
Debt to Equity (MRQ) i1,672.79269.43
Cash & Liquidity
Book Value per Share (MRQ)$2.32$19.87
Cash per Share (MRQ)$6.32$2.08
Operating Cash Flow (TTM) i$-166,575,008$33.91M
Levered Free Cash Flow (TTM) i$-107,966,000$-127,797,248
Dividends
Last 12-Month Dividend Yield iN/A3.18%
Last 12-Month Dividend iN/A$0.50

Valuation & Enterprise Metrics Analysis: Better Home & Finance Holding Inc. vs Guild Holdings Company

MetricBETR (Apr 24, 2026)GHLD (Dec 07, 2025)
Price Ratios
P/E Ratio (TTM) i55.519.91
Forward P/E i16.5411.37
PEG Ratio i16.54-0.07
Price to Sales (TTM) i4.470.98
Price to Book (MRQ) i19.291.01
Market Capitalization
Market Capitalization i$676.26M$1.25B
Enterprise Value i$1.28B$4.45B
Enterprise Value Metrics
Enterprise to Revenue i7.793.51
Enterprise to EBITDA i-9.4814.81
Risk & Other Metrics
Beta i1.931.08
Book Value per Share (MRQ) i$2.32$19.87

Financial Statements Comparison: Better Home & Finance Holding Inc. vs Guild Holdings Company

Financial Metrics

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Revenue

Operating Margin

Profit Margin

Long Term Debt

Income Flow Analysis

Financial Statements Comparison

Income Statement

MetricBETR (2025)GHLD (2024)
Revenue/Sales i206.90M1.06B
Cost of Goods Sold i217.07MN/A
COGS % of Revenue i104.9%0.0%
Gross Profit i-10.18MN/A
Gross Margin i-4.9%0.0%
Research & Development iN/AN/A
Operating Income (EBIT) i-149.48MN/A
Operating Margin i-72.2%0.0%
EBITDA i-135.41MN/A
EBITDA Margin i-65.4%0.0%
Pre-Tax Income i-165.82M119.06M
Pre-Tax Income % of Revenue i-80.1%11.2%
Income Tax i53,00022.13M
Income Tax % of Revenue i0.0%2.1%
Net Income (Profit) i-165.87M96.93M
Profit Margin i-80.2%9.1%

Balance Sheet & Liquidity Metrics

MetricBETR (2025)GHLD (2024)
Cash & Equivalents i99.83M118.20M
Total Current Assets i1.46BN/A
Total Current Assets % of Revenue i706.5%0.0%
Total Current Liabilities i1.25BN/A
Total Current Liabilities % of Revenue i606.3%0.0%
Long-Term Debt i203.43M802.96M
Long-Term Debt % of Revenue i98.3%75.4%
Total Shareholders Equity i37.18M1.25B
Retained Earnings i-2.08B1.20B
Retained Earnings % of Revenue i-1,003.5%112.8%
Property, Plant & Equipment i4.68MN/A

Cash Flow Statement Comparison

MetricBETR (2025)GHLD (2024)
Operating Cash Flow i-180.95M-84.78M
Operating Cash Flow % of Revenue i-87.5%-8.0%
Capital Expenditures i-1.19M-9.37M
Free Cash Flow i-177.80M-668.99M
FCF Margin i-85.9%-62.8%
Debt Repayment i-111.61M-23.21B
Common Stock Repurchase iN/A-1.18M

Short Interest & Institutional Ownership Analysis

MetricBETRGHLD
Shares Short i2.50M248,132
Short Ratio i6.059.61
Short % of Float i35.80%1.79%
Shares Outstanding i16.00M62.25M
Float Shares i8.73M10.36M
% Held by Insiders i37.03%53.76%
% Held by Institutions i40.52%29.54%
% Held by Public i22.45%16.70%

Dividend Analysis & Yield Comparison: Better Home & Finance Holding Inc. vs Guild Holdings Company

MetricBETRGHLD
Last 12-Month Dividend iN/A$0.50
Last 12-Month Dividend Yield iN/A3.18%
3-Year Avg Annual Dividend iN/A$0.33
3-Year Avg Dividend Yield iN/A3.49%
3-Year Total Dividends iN/A$1.00
Ex-Dividend DateN/AMar 17, 2025