Better Home & Finance Holding Company (BETR) vs Pineapple Financial Inc. (PAPL)

Better Home & Finance Holding Company and Pineapple Financial Inc. are both Mortgage Finance companies. Better Home & Finance Holding Company is the larger, with a market value of $206.1M against $25.5M — 8.1× the size. Better Home & Finance Holding Company grew revenue faster over the last twelve months: 57.8% against −2.54%. Better Home & Finance Holding Company has the higher net margin (−75.7% vs −90.2%) and the higher return on invested capital (0.00% vs −0.40%). Across the 17 metrics below, Better Home & Finance Holding Company leads on 9 and Pineapple Financial Inc. on 8.

Valuation

Metric BETR PAPL Mortgage Finance median
P/E n/m n/m 7.11
P/S 0.82 9.18 1.54
P/B 3.37 0.49 0.53
Price to free cash flow n/m n/m 6.59
EV/EBITDA n/m 22.03 22.03
EV/Sales 0.35 13.27 5.95
Earnings yield (105.45%) (643.78%) 2.09%
Free cash flow yield (85.05%) (22.79%) (16.97%)

Profitability

Metric BETR PAPL Mortgage Finance median
Gross margin 81.25% 100.00% 84.40%
Operating margin 0.00% 25.36% 12.51%
Net margin (75.73%) (90.19%) (0.83%)
Free cash flow margin (69.77%) (209.14%) (45.06%)
Return on equity (267.67%) (9.57%) (1.16%)
Return on assets (12.97%) (6.23%) 0.38%
Return on invested capital 0.00% (0.40%) 0.36%

Growth

Metric BETR PAPL Mortgage Finance median
Revenue growth (TTM) 57.78% (2.54%) 11.44%
EPS growth (last fiscal year) 20.88% 53.42% —
Revenue growth, 5-year CAGR — 2.13% (11.16%)
Net income growth, 5-year CAGR 0.00% 0.00% 0.00%

Health

Metric BETR PAPL Mortgage Finance median
Debt to equity 0.00 0.42 1.22
Current ratio 0.91 1.00 1.38
Net debt to EBITDA 0.00 0.53 9.85

Dividend

Metric BETR PAPL Mortgage Finance median
Dividend yield — — 5.81%
Payout ratio 0.00 — 0.00

Size

Metric BETR PAPL Mortgage Finance median
Market cap 206.08m 25.52m 214.95m

Compare with another peer

Any metric, up to five companies and an Excel export Powerpack