Better Home [BETR] vs Velocity Financial [VEL] Detailed Stock Comparison
Better Home
NASDAQ
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Velocity Financial
NYSE
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TLDR: Quick Comparison Summary
Based on 19 vital metrics comparison: Better Home wins in 5 metrics, Velocity Financial wins in 11 metrics, with 0 ties. Velocity Financial appears stronger overall.
View Metrics Details
Vital Metrics Comparison
| Metric | Better Home | Velocity Financial | Better |
|---|---|---|---|
| P/E Ratio (TTM) | 55.51 | 9.96 | Velocity Financial |
| Price-to-Book Ratio | 9.97 | 1.21 | Velocity Financial |
| Debt-to-Equity Ratio | 757.65 | 927.53 | Better Home |
| PEG Ratio | -11.07 | 9.02 | Better Home |
| EV/EBITDA | -8.09 | N/A | N/A |
| Profit Margin (TTM) | -153.25% | 39.36% | Velocity Financial |
| Operating Margin (TTM) | -78.31% | 77.26% | Velocity Financial |
| EBITDA Margin (TTM) | N/A | 77.26% | N/A |
| Return on Equity | -329.74% | 13.65% | Velocity Financial |
| Return on Assets (TTM) | -18.29% | 1.32% | Velocity Financial |
| Free Cash Flow (TTM) | $-390.05M | $32.71M | Velocity Financial |
| 1-Year Return | 205.85% | -4.50% | Better Home |
| Price-to-Sales Ratio (TTM) | 4.01 | 3.94 | Velocity Financial |
| Enterprise Value | $1.25B | $5.90B | Velocity Financial |
| EV/Revenue Ratio | 9.58 | 33.17 | Better Home |
| Gross Profit Margin (TTM) | 19.31% | N/A | N/A |
| Revenue per Share (TTM) | $9 | $5 | Better Home |
| Earnings per Share (Diluted) | $-13.22 | $1.93 | Velocity Financial |
| Beta (Stock Volatility) | 1.60 | 1.21 | Velocity Financial |
Performance
News Sentiment
Key Stats
Valuation
Financials
Short Interest
Dividends
Better Home vs Velocity Financial Stock Performance Analysis
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Performance Comparison
Short-term Returns
| Stock | 1D | 1W | 1M | 3M | 6M | YTD |
|---|---|---|---|---|---|---|
| Better Home | -16.48% | 74.80% | 184.83% | 356.90% | 301.22% | 512.36% |
| Velocity Financial | -1.58% | 1.25% | -1.69% | -1.16% | -0.27% | -2.35% |
Long-term Returns
| Stock | 1Y | 3Y | 5Y | 10Y | 15Y | 20Y |
|---|---|---|---|---|---|---|
| Better Home | 205.85% | -5.93% | -5.93% | -5.93% | -5.93% | -5.93% |
| Velocity Financial | -4.50% | 72.23% | 268.24% | 38.19% | 38.19% | 38.19% |
News Based Sentiment: Better Home vs Velocity Financial
Better Home
News based Sentiment: MIXED
September was a pivotal month for Better Home & Finance, showcasing both impressive financial gains and significant volatility. The debt reduction, HELOC growth, and Russell index inclusion were positive catalysts, but insider selling and mixed analyst opinions create a complex investment picture. The dramatic stock surge late in the month adds another layer of uncertainty.
Velocity Financial
News based Sentiment: MIXED
September presented a mixed bag for Velocity Financial. While the company delivered strong Q2 results and expanded its market presence with a dual listing, a late-month stock price decline and cautious analyst predictions introduce some uncertainty. The potential for benefiting from Fed rate cuts remains a key positive factor, but investors should proceed with caution.
Performance & Financial Health Analysis: Better Home vs Velocity Financial
| Metric | BETR | VEL |
|---|---|---|
| Market Information | ||
| Market Cap | $764.26M | $701.37M |
| Market Cap Category | Small cap | Small cap |
| 10 Day Avg. Volume | 851,850 | 270,250 |
| 90 Day Avg. Volume | 337,653 | 188,197 |
| Last Close | $55.97 | $18.67 |
| 52 Week Range | $7.71 - $94.06 | $16.12 - $20.98 |
| % from 52W High | -40.50% | -11.01% |
| All-Time High | $99.00 (Aug 21, 2023) | $20.98 (Mar 03, 2025) |
| % from All-Time High | -43.46% | -11.01% |
| Growth Metrics | ||
| Quarterly Revenue Growth | 0.37% | 0.01% |
| Quarterly Earnings Growth | 0.82% | 0.10% |
| Financial Health | ||
| Profit Margin (TTM) | -1.53% | 0.39% |
| Operating Margin (TTM) | -0.78% | 0.77% |
| Return on Equity (TTM) | -3.30% | 0.14% |
| Debt to Equity (MRQ) | 757.65 | 927.53 |
| Cash & Liquidity | ||
| Book Value per Share (MRQ) | $5.01 | $15.92 |
| Cash per Share (MRQ) | $6.04 | $1.42 |
| Operating Cash Flow (TTM) | $-230,104,000 | $30.71M |
| Levered Free Cash Flow (TTM) | $-206,290,000 | $67.59M |
| Dividends | ||
| Last 12-Month Dividend Yield | N/A | N/A |
| Last 12-Month Dividend | N/A | N/A |
Valuation & Enterprise Metrics Analysis: Better Home vs Velocity Financial
| Metric | BETR | VEL |
|---|---|---|
| Price Ratios | ||
| P/E Ratio (TTM) | 55.51 | 9.96 |
| Forward P/E | -19.99 | 9.02 |
| PEG Ratio | -11.07 | 9.02 |
| Price to Sales (TTM) | 4.01 | 3.94 |
| Price to Book (MRQ) | 9.97 | 1.21 |
| Market Capitalization | ||
| Market Capitalization | $764.26M | $701.37M |
| Enterprise Value | $1.25B | $5.90B |
| Enterprise Value Metrics | ||
| Enterprise to Revenue | 9.58 | 33.17 |
| Enterprise to EBITDA | -8.09 | N/A |
| Risk & Other Metrics | ||
| Beta | 1.60 | 1.21 |
| Book Value per Share (MRQ) | $5.01 | $15.92 |
Financial Statements Comparison: Better Home vs Velocity Financial
Financial Metrics
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Revenue
EBITDA
Operating Margin
Free Cash Flow
Long Term Debt
Profit Margin
Current Ratio
Operating Cash Flow
Income Statement (MRQ)
| Metric (MRQ) | BETR | VEL |
|---|---|---|
| Revenue/Sales | $34.79M | $63.62M |
| Cost of Goods Sold | $55.67M | N/A |
| Gross Profit | $-20.88M | N/A |
| Research & Development | N/A | N/A |
| Operating Income (EBIT) | $-50.22M | N/A |
| EBITDA | $-46.25M | N/A |
| Pre-Tax Income | $-50.41M | $32.04M |
| Income Tax | $145,000 | $11.23M |
| Net Income (Profit) | $-50.56M | $20.81M |
Balance Sheet & Liquidity Metrics (MRQ)
| Metric (MRQ) | BETR | VEL |
|---|---|---|
| Cash & Equivalents | $110.57M | $50.11M |
| Total Current Assets | $948.66M | N/A |
| Total Current Liabilities | $562.42M | N/A |
| Long-Term Debt | $528.92M | $4.51B |
| Total Shareholders Equity | $-102.15M | $520.22M |
| Retained Earnings | $-1.96B | $197.33M |
| Property, Plant & Equipment | $7.89M | $2.50M |
Cash Flow Statement Comparison (MRQ)
| Metric (MRQ) | BETR | VEL |
|---|---|---|
| Operating Cash Flow | $-48.46M | $35.20M |
| Capital Expenditures | $-202,000 | $-99,000 |
| Free Cash Flow | $-59.73M | $33.18M |
| Debt Repayment | $-8.11M | $-847.26M |
| Common Stock Repurchase | N/A | N/A |
Short Interest & Institutional Ownership Analysis
| Metric | BETR | VEL |
|---|---|---|
| Shares Short | 447,509 | 288,767 |
| Short Ratio | 7.41 | 2.07 |
| Short % of Float | 0.08% | 0.05% |
| Average Daily Volume (10 Day) | 851,850 | 270,250 |
| Average Daily Volume (90 Day) | 337,653 | 188,197 |
| Shares Outstanding | 15.17M | 33.55M |
| Float Shares | 7.07M | 3.84M |
| % Held by Insiders | 0.32% | 0.03% |
| % Held by Institutions | 0.52% | 0.96% |
Dividend Analysis & Yield Comparison: Better Home vs Velocity Financial
| Metric | BETR | VEL |
|---|---|---|
| Last 12-Month Dividend | N/A | N/A |
| Last 12-Month Dividend Yield | N/A | N/A |
| 3-Year Avg Annual Dividend | N/A | N/A |
| 3-Year Avg Dividend Yield | N/A | N/A |
| 3-Year Total Dividends | N/A | N/A |
| Ex-Dividend Date | N/A | N/A |