Velocity Financial [VEL] vs Better Home [BETR] Detailed Stock Comparison
Velocity Financial
NYSE
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Better Home
NASDAQ
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TLDR: Quick Comparison Summary
Based on 19 vital metrics comparison: Velocity Financial wins in 11 metrics, Better Home wins in 5 metrics, with 0 ties. Velocity Financial appears stronger overall.
View Metrics Details
Vital Metrics Comparison
| Metric | Velocity Financial | Better Home | Better |
|---|---|---|---|
| P/E Ratio (TTM) | 9.96 | 55.51 | Velocity Financial |
| Price-to-Book Ratio | 1.21 | 9.97 | Velocity Financial |
| Debt-to-Equity Ratio | 927.53 | 757.65 | Better Home |
| PEG Ratio | 9.02 | -11.07 | Better Home |
| EV/EBITDA | N/A | -8.09 | N/A |
| Profit Margin (TTM) | 39.36% | -153.25% | Velocity Financial |
| Operating Margin (TTM) | 77.26% | -78.31% | Velocity Financial |
| EBITDA Margin (TTM) | 77.26% | N/A | N/A |
| Return on Equity | 13.65% | -329.74% | Velocity Financial |
| Return on Assets (TTM) | 1.32% | -18.29% | Velocity Financial |
| Free Cash Flow (TTM) | $32.71M | $-390.05M | Velocity Financial |
| 1-Year Return | -4.50% | 205.85% | Better Home |
| Price-to-Sales Ratio (TTM) | 3.94 | 4.01 | Velocity Financial |
| Enterprise Value | $5.90B | $1.25B | Velocity Financial |
| EV/Revenue Ratio | 33.17 | 9.58 | Better Home |
| Gross Profit Margin (TTM) | N/A | 19.31% | N/A |
| Revenue per Share (TTM) | $5 | $9 | Better Home |
| Earnings per Share (Diluted) | $1.93 | $-13.22 | Velocity Financial |
| Beta (Stock Volatility) | 1.21 | 1.60 | Velocity Financial |
Performance
News Sentiment
Key Stats
Valuation
Financials
Short Interest
Dividends
Velocity Financial vs Better Home Stock Performance Analysis
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Performance Comparison
Short-term Returns
| Stock | 1D | 1W | 1M | 3M | 6M | YTD |
|---|---|---|---|---|---|---|
| Velocity Financial | -1.58% | 1.25% | -1.69% | -1.16% | -0.27% | -2.35% |
| Better Home | -16.48% | 74.80% | 184.83% | 356.90% | 301.22% | 512.36% |
Long-term Returns
| Stock | 1Y | 3Y | 5Y | 10Y | 15Y | 20Y |
|---|---|---|---|---|---|---|
| Velocity Financial | -4.50% | 72.23% | 268.24% | 38.19% | 38.19% | 38.19% |
| Better Home | 205.85% | -5.93% | -5.93% | -5.93% | -5.93% | -5.93% |
News Based Sentiment: Velocity Financial vs Better Home
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.
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.
Performance & Financial Health Analysis: Velocity Financial vs Better Home
| Metric | VEL | BETR |
|---|---|---|
| Market Information | ||
| Market Cap | $701.37M | $764.26M |
| Market Cap Category | Small cap | Small cap |
| 10 Day Avg. Volume | 270,250 | 851,850 |
| 90 Day Avg. Volume | 188,197 | 337,653 |
| Last Close | $18.67 | $55.97 |
| 52 Week Range | $16.12 - $20.98 | $7.71 - $94.06 |
| % from 52W High | -11.01% | -40.50% |
| All-Time High | $20.98 (Mar 03, 2025) | $99.00 (Aug 21, 2023) |
| % from All-Time High | -11.01% | -43.46% |
| Growth Metrics | ||
| Quarterly Revenue Growth | 0.01% | 0.37% |
| Quarterly Earnings Growth | 0.10% | 0.82% |
| Financial Health | ||
| Profit Margin (TTM) | 0.39% | -1.53% |
| Operating Margin (TTM) | 0.77% | -0.78% |
| Return on Equity (TTM) | 0.14% | -3.30% |
| Debt to Equity (MRQ) | 927.53 | 757.65 |
| Cash & Liquidity | ||
| Book Value per Share (MRQ) | $15.92 | $5.01 |
| Cash per Share (MRQ) | $1.42 | $6.04 |
| Operating Cash Flow (TTM) | $30.71M | $-230,104,000 |
| Levered Free Cash Flow (TTM) | $67.59M | $-206,290,000 |
| Dividends | ||
| Last 12-Month Dividend Yield | N/A | N/A |
| Last 12-Month Dividend | N/A | N/A |
Valuation & Enterprise Metrics Analysis: Velocity Financial vs Better Home
| Metric | VEL | BETR |
|---|---|---|
| Price Ratios | ||
| P/E Ratio (TTM) | 9.96 | 55.51 |
| Forward P/E | 9.02 | -19.99 |
| PEG Ratio | 9.02 | -11.07 |
| Price to Sales (TTM) | 3.94 | 4.01 |
| Price to Book (MRQ) | 1.21 | 9.97 |
| Market Capitalization | ||
| Market Capitalization | $701.37M | $764.26M |
| Enterprise Value | $5.90B | $1.25B |
| Enterprise Value Metrics | ||
| Enterprise to Revenue | 33.17 | 9.58 |
| Enterprise to EBITDA | N/A | -8.09 |
| Risk & Other Metrics | ||
| Beta | 1.21 | 1.60 |
| Book Value per Share (MRQ) | $15.92 | $5.01 |
Financial Statements Comparison: Velocity Financial vs Better Home
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) | VEL | BETR |
|---|---|---|
| Revenue/Sales | $63.62M | $34.79M |
| Cost of Goods Sold | N/A | $55.67M |
| Gross Profit | N/A | $-20.88M |
| Research & Development | N/A | N/A |
| Operating Income (EBIT) | N/A | $-50.22M |
| EBITDA | N/A | $-46.25M |
| Pre-Tax Income | $32.04M | $-50.41M |
| Income Tax | $11.23M | $145,000 |
| Net Income (Profit) | $20.81M | $-50.56M |
Balance Sheet & Liquidity Metrics (MRQ)
| Metric (MRQ) | VEL | BETR |
|---|---|---|
| Cash & Equivalents | $50.11M | $110.57M |
| Total Current Assets | N/A | $948.66M |
| Total Current Liabilities | N/A | $562.42M |
| Long-Term Debt | $4.51B | $528.92M |
| Total Shareholders Equity | $520.22M | $-102.15M |
| Retained Earnings | $197.33M | $-1.96B |
| Property, Plant & Equipment | $2.50M | $7.89M |
Cash Flow Statement Comparison (MRQ)
| Metric (MRQ) | VEL | BETR |
|---|---|---|
| Operating Cash Flow | $35.20M | $-48.46M |
| Capital Expenditures | $-99,000 | $-202,000 |
| Free Cash Flow | $33.18M | $-59.73M |
| Debt Repayment | $-847.26M | $-8.11M |
| Common Stock Repurchase | N/A | N/A |
Short Interest & Institutional Ownership Analysis
| Metric | VEL | BETR |
|---|---|---|
| Shares Short | 288,767 | 447,509 |
| Short Ratio | 2.07 | 7.41 |
| Short % of Float | 0.05% | 0.08% |
| Average Daily Volume (10 Day) | 270,250 | 851,850 |
| Average Daily Volume (90 Day) | 188,197 | 337,653 |
| Shares Outstanding | 33.55M | 15.17M |
| Float Shares | 3.84M | 7.07M |
| % Held by Insiders | 0.03% | 0.32% |
| % Held by Institutions | 0.96% | 0.52% |
Dividend Analysis & Yield Comparison: Velocity Financial vs Better Home
| Metric | VEL | BETR |
|---|---|---|
| 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 |