BETR
Better Home & Finance Holding Company
There isn't enough reported data to score BETR yet.
MS
Morgan Stanley
MS's fundamentals are strong: revenue grew 16% and earnings per share grew 29%. At 15x earnings, it's trading in line with its usual 14x. Analysts expect earnings growth.
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.
MS Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
MS's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like MS.
BETR PE Valuation
BETR has no meaningful PE right now: it lost money over the past year.
MS PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 11x | $134 | -29% |
| Fair | 14x | $178 | -5.7% |
| Forward | 14x | $189 | — |
| Current | 15x | $189 | — |
| Expensive | 18x | $223 | +18% |
Historical ranges are pointers, not guarantees.
MS's PE is in its fair range at 15x. If earnings grow as analysts expect, today's price would be 14x next year's earnings.
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.
MS Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Improving | |
| Limited | |
| Moderate |
Analysts expect earnings and revenue growth for MS, with profitability improving.
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.
MS Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $13.39 | +6.3% |
| Q3 2026 | $12.60 | +29% |
| Q2 2026 | $12.37 | +40% |
| Q1 2026 | $11.04 | +29% |
| Q4 2025 | $10.21 | +28% |
| Q3 2025 | $9.76 | +48% |
| Q2 2025 | $8.84 | +45% |
| Q1 2025 | $8.53 | +55% |
| Q4 2024 | $7.95 | +53% |
MS 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 MS on sales, with stronger typical year-over-year growth.
| 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.
MS Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $20.3B | +12% |
| Q2 2026 | $21.3B | +27% |
| Q1 2026 | $20.6B | +16% |
| Q4 2025 | $17.9B | +10% |
| Q3 2025 | $18.2B | +18% |
| Q2 2025 | $16.8B | +12% |
| Q1 2025 | $17.7B | +17% |
| Q4 2024 | $16.2B | +26% |
MS's revenue has grown year over year for 14 quarters in a row: $20.3B last quarter, up 12% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 32% | -1.2 points |
| Q2 2026 | 34% | +6.9 points |
| Q1 2026 | 34% | +2.8 points |
| Q4 2025 | 32% | +2 points |
| Q3 2025 | 33% | +5.6 points |
| Q2 2025 | 28% | +0.4 points |
| Q1 2025 | 31% | +2.2 points |
| Q4 2024 | 30% | +14 points |
MS 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 has the edge over MS on cash flow, with more consistent year-over-year improvement.
MS Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | -$46B | -$42.7B |
| Q2 2026 | -$2.7B | -123% |
| Q1 2026 | -$7.1B | +$16.9B |
| Q4 2025 | -$2.4B | -120% |
| Q3 2025 | -$3.3B | +$14B |
| Q2 2025 | $11.8B | +368% |
| Q1 2025 | -$24B | -650% |
| Q4 2024 | $11.8B | +$29.6B |
MS's free cash flow was −$58.3B over the past year, against −$3.7B the year before. Free cash flow isn't a meaningful measure for financial services companies like MS.
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 |
MS Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.2% | -3M shares |
| 1 year | -1.5% | -24M shares |
| 3 years | -4.7% | -77M shares |
| 5 years | -14% | -246M shares |
| Available history | -4.5% | -74M shares |
MS has the edge over BETR on shareholder dilution, with a more favorable share count trend.
BETR Net Leverage
MS Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 7.8x | High |
| Q2 2026 | 7.3x | High |
| Q1 2026 | 8.2x | High |
| Q4 2025 | 8.6x | High |
| Q3 2025 | 8.4x | High |
| Q2 2025 | 8.7x | High |
| Q1 2025 | 8.7x | High |
| Q4 2024 | 7.9x | High |
MS's net debt is about 7.8 years of its operating earnings (EBITDA), down from 8.4 years a year ago. Net leverage isn't a meaningful measure for financial services companies like MS.
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).
MS Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 45.0 | Neutral |
| Stochastic | 18.7 | Oversold |
MS's weekly RSI is 45 (neutral) and its Stochastic is 19 (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.
MS PE vs Financial Services Sector
| Metric | MS | Sector median | Relative |
|---|---|---|---|
| PE | 15x | 13x | 15% above |
| PE % | 59 | 63 | 4 pts below |
MS is trading at 15x earnings, a 15% premium to the Financial Services sector's median of 13x.
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.
MS Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $186.5 | 1.5% above |
| 20 week MA | $203.3 | 6.9% below |
| 50 week MA | $191.9 | 1.4% below |
| 100 week MA | $164.9 | 15% above |
| 200 week MA | $129.3 | 46% above |
MS 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.
MS Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $51.1 | $68.1 | +33% |
| 2021 | $68.1 | $99.3 | +46% |
| 2022 | $99.3 | $86.1 | -13% |
| 2023 | $86.1 | $93.3 | +8.3% |
| 2024 | $93.3 | $126.8 | +36% |
| 2025 | $126.8 | $181.9 | +43% |
| 2026 YTD | $181.9 | $189.2 | +4% |
MS has the edge over BETR on returns for 2026, with the stronger performance.