Better Home & Finance Holding Company (BETR) vs PennyMac Financial Services, Inc. (PFSI)
- Better Home & Finance Holding Company BETR 9.95 −7.53%
- PennyMac Financial Services, Inc. PFSI 60.32 −1.42%
Better Home & Finance Holding Company and PennyMac Financial Services, Inc. are both Mortgage Finance companies. PennyMac Financial Services, Inc. is the larger, with a market value of $3.2B against $204.6M — 15.5× the size. Better Home & Finance Holding Company has negative trailing earnings, so its P/E is not meaningful; PennyMac Financial Services, Inc. trades at 8.0×. Better Home & Finance Holding Company grew revenue faster over the last twelve months: 57.8% against 25.9%. PennyMac Financial Services, Inc. has the higher net margin (17.7% vs −75.7%) and the higher return on invested capital (2.17% vs 0.00%). Across the 17 metrics below, PennyMac Financial Services, Inc. leads on 9 and Better Home & Finance Holding Company on 8.
Valuation
Profitability
| Metric | BETR | PFSI | Mortgage Finance median |
|---|---|---|---|
| Gross margin | 81.25% | 78.95% | 84.40% |
| Operating margin | 0.00% | 27.59% | 12.51% |
| Net margin | (75.73%) | 17.73% | (0.83%) |
| Free cash flow margin | (69.77%) | (83.74%) | (45.06%) |
| Return on equity | (267.67%) | 9.38% | (1.16%) |
| Return on assets | (12.97%) | 1.45% | 0.38% |
| Return on invested capital | 0.00% | 2.17% | 0.36% |
Growth
Health
Dividend
Size
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