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Screener Weekly Summary Pricing

Better Home & Finance Holding Company (BETR) vs Velocity Financial, Inc. (VEL)

Better Home & Finance Holding Company and Velocity Financial, Inc. are both Mortgage Finance companies. Velocity Financial, Inc. is the larger, with a market value of $608.0M against $206.1M — 3.0× the size. Better Home & Finance Holding Company has negative trailing earnings, so its P/E is not meaningful; Velocity Financial, Inc. trades at 5.6×. Better Home & Finance Holding Company grew revenue faster over the last twelve months: 57.8% against 32.4%. Velocity Financial, Inc. has the higher net margin (0.00% vs −75.7%) and the higher return on invested capital (0.00% vs 0.00%). Across the 15 metrics below, Velocity Financial, Inc. leads on 10 and Better Home & Finance Holding Company on 5.

Valuation

Metric BETR VEL Mortgage Finance median
P/E n/m 5.56 7.11
P/S 0.82 1.89 1.54
P/B 3.37 0.82 0.53
Price to free cash flow n/m 6.59 6.59
EV/EBITDA n/m 7.84 22.03
EV/Sales 0.35 (0.71) 5.95
Earnings yield (105.45%) 17.98% 2.09%
Free cash flow yield (85.05%) 15.17% (16.97%)

Profitability

Metric BETR VEL Mortgage Finance median
Gross margin 81.25% 0.00% 84.40%
Operating margin 0.00% 0.00% 12.51%
Net margin (75.73%) 0.00% (0.83%)
Free cash flow margin (69.77%) 0.00% (45.06%)
Return on equity (267.67%) 16.02% (1.16%)
Return on assets (12.97%) 1.47% 0.38%
Return on invested capital 0.00% 0.00% 0.36%

Growth

Metric BETR VEL Mortgage Finance median
Revenue growth (TTM) 57.78% 32.40% 11.44%
EPS growth (last fiscal year) 20.88% 43.98% —
Revenue growth, 5-year CAGR — 20.68% (11.16%)
Net income growth, 5-year CAGR 0.00% 0.00% 0.00%

Health

Metric BETR VEL Mortgage Finance median
Debt to equity 0.00 9.29 1.22
Current ratio 0.91 42.53 1.38
Net debt to EBITDA 0.00 28.41 9.85

Dividend

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

Size

Metric BETR VEL Mortgage Finance median
Market cap 206.08m 608.01m 214.95m

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