BETR
Better Home & Finance Holding Company
There isn't enough reported data to score BETR yet.
GS
The Goldman Sachs Group, Inc.
GS's fundamentals are strong: revenue grew 19% and its operating margin rose 4 points to 40%. Its PE isn't a useful guide right now because of how its recent earnings were reported.
BETR Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Under pressure | |
| N/A | |
| N/A |
BETR's revenue is currently healthy, but its profitability is under pressure. Free cash flow and net leverage aren't meaningful measures for financial services companies like BETR.
GS Fundamentals
| Metric | Status |
|---|---|
| Strong | |
| Strong | |
| N/A | |
| N/A |
GS's revenue and profitability are currently strong. Free cash flow and net leverage aren't meaningful measures for financial services companies like GS.
BETR PE Valuation
BETR has no meaningful PE right now: it lost money over the past year.
GS PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 7.6x | $528 | -42% |
| Current | 13x | $914 | — |
| Forward | 13x | $914 | — |
| Fair | 14x | $940 | +2.9% |
| Expensive | 17x | $1,214 | +33% |
Historical ranges are pointers, not guarantees.
GS's PE is 13x, but its earnings don't support one, so it isn't a reliable read right now.
BETR Forward outlook
| Metric | Outlook |
|---|---|
| -- | |
| Losses shrinking | |
| Growth | |
| Strongly improving | |
| Limited | |
| Low |
Analysts expect BETR's losses to shrink, with revenue growing. However, they disagree widely on these estimates.
GS Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Strong growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| Low |
Analysts expect earnings and revenue growth for GS, with profitability improving. However, they disagree widely on these estimates.
BETR Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q3 2026 | -$10.38 | +$1.97 |
| Q2 2026 | -$11.01 | +$2.36 |
| Q1 2026 | -$11.76 | +$1.72 |
| Q4 2025 | -$10.80 | +$2.85 |
| Q3 2025 | -$12.35 | +$0.73 |
| Q2 2025 | -$13.37 | +$30.13 |
BETR is still losing money, but far less than before: $10.38 per share over the past year, against $43.50 at its worst in mid-2024.
GS Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $72.35 | +4% |
| Q3 2026 | $69.58 | +41% |
| Q2 2026 | $64.82 | +43% |
| Q1 2026 | $54.75 | +27% |
| Q4 2025 | $51.32 | +27% |
| Q3 2025 | $49.22 | +44% |
| Q2 2025 | $45.37 | +45% |
| Q1 2025 | $43.08 | +68% |
| Q4 2024 | $40.54 | +77% |
GS has the edge over BETR on earnings quality, reporting a profit while its opponent remains loss making.
BETR Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $45.1M | +2.9% |
| Q2 2026 | $54.7M | +24% |
| Q1 2026 | $47.5M | +46% |
| Q4 2025 | $44.3M | +77% |
| Q3 2025 | $43.9M | +51% |
| Q2 2025 | $44.1M | +37% |
| Q1 2025 | $32.6M | +46% |
| Q4 2024 | $25M | +143% |
BETR has the edge over GS on sales, with more consistent year-over-year improvement.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | -79% | +9.9 points |
| Q2 2026 | -57% | +25 points |
| Q1 2026 | -107% | +48 points |
| Q4 2025 | -91% | +145 points |
| Q3 2025 | -89% | +98 points |
| Q2 2025 | -82% | +46 points |
| Q1 2025 | -155% | +76 points |
| Q4 2024 | -236% | +315 points |
BETR's operating margin was −79% last quarter, up 9.9 points from the same quarter a year ago.
GS Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $18.7B | +23% |
| Q2 2026 | $20.3B | +39% |
| Q1 2026 | $17.2B | +14% |
| Q4 2025 | $13.5B | -3% |
| Q3 2025 | $15.2B | +20% |
| Q2 2025 | $14.6B | +15% |
| Q1 2025 | $15.1B | +6% |
| Q4 2024 | $13.9B | +23% |
GS's revenue is growing: $18.7B last quarter, up 23% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 37% | +2 points |
| Q2 2026 | 42% | +8.1 points |
| Q1 2026 | 38% | +0.2 points |
| Q4 2025 | 44% | +5.6 points |
| Q3 2025 | 36% | +4.1 points |
| Q2 2025 | 34% | +3.2 points |
| Q1 2025 | 37% | +0.6 points |
| Q4 2024 | 38% | +18 points |
GS has the edge over BETR on profitability, with a higher operating margin.
BETR Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $88.6M | +2131% |
| Q2 2026 | $23.4M | +$80.1M |
| Q1 2026 | -$125.6M | -$68.2M |
| Q4 2025 | -$57.6M | +$48.9M |
| Q3 2025 | $4M | +$15.7M |
| Q2 2025 | -$56.7M | +$165.1M |
| Q1 2025 | -$57.4M | -$14.1M |
| Q4 2024 | -$106.5M | -$26.1M |
BETR's free cash flow was −$71M over the past year, against −$217M the year before. Free cash flow isn't a meaningful measure for financial services companies like BETR.
GS Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $3.7B | +72% |
| Q2 2026 | $5.6B | +7.8% |
| Q1 2026 | -$32.4B | +$5.3B |
| Q4 2025 | -$16.8B | -136% |
| Q3 2025 | $2.1B | +$40.6B |
| Q2 2025 | $5.2B | -6.8% |
| Q1 2025 | -$37.7B | -$9.2B |
| Q4 2024 | $46.2B | +$75.1B |
GS's free cash flow was −$40B over the past year, against $15.8B the year before. Free cash flow isn't a meaningful measure for financial services companies like GS.
BETR Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +1.8% | +344K shares |
| 1 year | +24% | +3.7M shares |
BETR has 19M diluted shares, up 24% from a year ago.
| Quarter | Spent |
|---|---|
| Q2 2024 | — |
| Q1 2024 | — |
| Q4 2023 | — |
| Q3 2023 | $263.1M |
GS Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -1.2% | -3.8M shares |
| 1 year | -4.4% | -13.9M shares |
| 3 years | -12% | -42.8M shares |
| 5 years | -15% | -52.8M shares |
| Available history | -20% | -74.4M shares |
GS has the edge over BETR on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $3B |
| Q2 2026 | $4B |
| Q1 2026 | $5B |
| Q4 2025 | $3B |
| Q3 2025 | $2B |
| Q2 2025 | $3B |
| Q1 2025 | $4.4B |
| Q4 2024 | $2B |
GS spent $15B buying back its own shares over the past year, up 32% from the year before.
BETR Net Leverage
GS Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -5.4x | Net Cash |
| Q2 2026 | -6.1x | Net Cash |
| Q1 2026 | -6.7x | Net Cash |
| Q4 2025 | -6.4x | Net Cash |
| Q3 2025 | -3.5x | Net Cash |
| Q2 2025 | -3.1x | Net Cash |
| Q1 2025 | -3.9x | Net Cash |
| Q4 2024 | -4.7x | Net Cash |
GS has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like GS.
BETR Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 45.0 | Neutral |
| Stochastic | 58.8 | Neutral |
BETR's weekly RSI is 45 (neutral) and its Stochastic is 59 (neutral).
GS Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 44.5 | Neutral |
| Stochastic | 16.3 | Oversold |
GS's weekly RSI is 45 (neutral) and its Stochastic is 16 (oversold).
BETR PE vs Financial Services Sector
| Metric | BETR | Sector median | Relative |
|---|---|---|---|
| PE | N/A | 13x | — |
BETR has no meaningful PE right now: it lost money over the past year.
GS PE vs Financial Services Sector
| Metric | GS | Sector median | Relative |
|---|---|---|---|
| PE | 13x | 13x | 0.8% above |
| PE % | 46 | 63 | 17 pts below |
GS is trading at 13x earnings, in line with the Financial Services sector's median of 13x, though its earnings don't support one.
BETR Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $14.3 | 9.5% above |
| 20 week MA | $16.6 | 5.5% below |
| 50 week MA | $26.4 | 40% below |
| 100 week MA | $24.6 | 36% below |
| 200 week MA | $126.1 | 88% below |
BETR has bounced recently, but its long-term trend is still down: it's above its 8-week average, but 88% below its 200-week average.
GS Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $895.5 | 2% above |
| 20 week MA | $977.4 | 6.5% below |
| 50 week MA | $945.4 | 3.4% below |
| 100 week MA | $804.5 | 14% above |
| 200 week MA | $602.7 | 52% above |
GS has the edge over BETR on trend strength, trading above more of its moving averages.
BETR Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2021 | $517.5 | $494.5 | -4.4% |
| 2022 | $494.5 | $503.5 | +1.8% |
| 2023 | $503.5 | $40.9 | -92% |
| 2024 | $40.9 | $10.0 | -75% |
| 2025 | $10.0 | $34.9 | +249% |
| 2026 YTD | $34.9 | $15.7 | -55% |
BETR's yearly returns have swung widely, from +249% in 2025 to −92% in 2023. It's down 55% so far in 2026.
GS Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $230.7 | $256.2 | +11% |
| 2021 | $256.2 | $385.0 | +50% |
| 2022 | $385.0 | $345.5 | -10% |
| 2023 | $345.5 | $385.8 | +12% |
| 2024 | $385.8 | $576.2 | +49% |
| 2025 | $576.2 | $907.0 | +57% |
| 2026 YTD | $907.0 | $913.6 | +0.7% |
GS has the edge over BETR on returns for 2026, with the stronger performance.