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Side-by-side financial comparison of American Express (AXP) and Better Home & Finance Holding Co (BETR). Click either name above to swap in a different company.
American Express is the larger business by last-quarter revenue ($18.9M vs $1.2M, roughly 15.9× Better Home & Finance Holding Co). American Express runs the higher net margin — 15.7% vs -3349.0%, a 3364.7% gap on every dollar of revenue. On growth, American Express posted the faster year-over-year revenue change (11.4% vs -71.1%). Over the past eight quarters, Better Home & Finance Holding Co's revenue compounded faster (-35.0% CAGR vs -95.6%).
American Express Company, together with its subsidiaries, provides charge and credit payment card products, and travel-related services worldwide. The company operates through three segments: Global Consumer Services Group, Global Commercial Services, and Global Merchant and Network Services. Its products and services include payment and financing products; network services; accounts payable expense management products and services; and travel and lifestyle services. The company's products an...
Bajaj Finance Limited (BFL) is an Indian deposit-taking non-banking financial company (NBFC-UL) headquartered in Pune. It has 110.64 million customers and holds assets under management worth ₹462,250 crore (US$55 billion), as of September 2025.
AXP vs BETR — Head-to-Head
Income Statement — Q1 2026 vs Q4 2025
| Metric | | |
|---|---|---|
| Revenue | $18.9M | $1.2M |
| Net Profit | $3.0M | $-39.9M |
| Gross Margin | — | — |
| Operating Margin | — | -3376.8% |
| Net Margin | 15.7% | -3349.0% |
| Revenue YoY | 11.4% | -71.1% |
| Net Profit YoY | 15.0% | 32.6% |
| EPS (diluted) | — | $-2.52 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q1 26 | $18.9M | — | ||
| Q4 25 | $10.9B | $1.2M | ||
| Q3 25 | $10.4B | $2.8M | ||
| Q2 25 | $10.3B | $3.3M | ||
| Q1 25 | $9.6B | $4.0M | ||
| Q4 24 | $10.0B | $4.1M | ||
| Q3 24 | $9.7B | $3.1M | ||
| Q2 24 | $9.8B | $2.9M |
| Q1 26 | $3.0M | — | ||
| Q4 25 | $2.5B | $-39.9M | ||
| Q3 25 | $2.9B | $-39.1M | ||
| Q2 25 | $2.9B | $-36.3M | ||
| Q1 25 | $2.6B | $-50.6M | ||
| Q4 24 | $2.2B | $-59.2M | ||
| Q3 24 | $2.5B | $-54.2M | ||
| Q2 24 | $3.0B | $-41.4M |
| Q1 26 | — | — | ||
| Q4 25 | 28.2% | -3376.8% | ||
| Q3 25 | 36.7% | -1403.7% | ||
| Q2 25 | 34.4% | -1096.2% | ||
| Q1 25 | 34.6% | -1250.9% | ||
| Q4 24 | 27.7% | -1428.3% | ||
| Q3 24 | 33.0% | -1761.7% | ||
| Q2 24 | 38.6% | -1428.7% |
| Q1 26 | 15.7% | — | ||
| Q4 25 | 22.5% | -3349.0% | ||
| Q3 25 | 27.9% | -1408.9% | ||
| Q2 25 | 28.0% | -1099.1% | ||
| Q1 25 | 26.8% | -1254.5% | ||
| Q4 24 | 21.8% | -1437.5% | ||
| Q3 24 | 25.8% | -1765.8% | ||
| Q2 24 | 30.7% | -1435.8% |
| Q1 26 | — | — | ||
| Q4 25 | $3.52 | $-2.52 | ||
| Q3 25 | $4.14 | $-2.56 | ||
| Q2 25 | $4.08 | $-2.39 | ||
| Q1 25 | $3.64 | $-3.33 | ||
| Q4 24 | $3.04 | $-3.92 | ||
| Q3 24 | $3.49 | $-3.58 | ||
| Q2 24 | $4.15 | $-2.74 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $203.4M |
| Total DebtLower is stronger | $60.4M | — |
| Stockholders' EquityBook value | $34.0M | $37.2M |
| Total Assets | $308.9M | $1.5B |
| Debt / EquityLower = less leverage | 1.78× | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $742.0M | $203.4M | ||
| Q3 25 | $1.3B | $205.8M | ||
| Q2 25 | $197.0M | $221.5M | ||
| Q1 25 | $261.0M | $228.0M | ||
| Q4 24 | $221.0M | $264.9M | ||
| Q3 24 | $120.0M | $262.1M | ||
| Q2 24 | $188.0M | $378.8M |
| Q1 26 | $60.4M | — | ||
| Q4 25 | $56.4B | — | ||
| Q3 25 | $57.8B | — | ||
| Q2 25 | $58.2B | — | ||
| Q1 25 | $51.2B | — | ||
| Q4 24 | $49.7B | — | ||
| Q3 24 | $53.5B | — | ||
| Q2 24 | $51.5B | — |
| Q1 26 | $34.0M | — | ||
| Q4 25 | $33.5B | $37.2M | ||
| Q3 25 | $32.4B | $41.9M | ||
| Q2 25 | $32.3B | $76.6M | ||
| Q1 25 | $31.2B | $-102.1M | ||
| Q4 24 | $30.3B | $-58.2M | ||
| Q3 24 | $29.7B | $388.0K | ||
| Q2 24 | $29.5B | $44.9M |
| Q1 26 | $308.9M | — | ||
| Q4 25 | $300.1B | $1.5B | ||
| Q3 25 | $297.6B | $1.4B | ||
| Q2 25 | $295.6B | $1.2B | ||
| Q1 25 | $282.2B | $1.0B | ||
| Q4 24 | $271.5B | $913.1M | ||
| Q3 24 | $271.0B | $845.2M | ||
| Q2 24 | $272.2B | $957.9M |
| Q1 26 | 1.78× | — | ||
| Q4 25 | 1.68× | — | ||
| Q3 25 | 1.78× | — | ||
| Q2 25 | 1.80× | — | ||
| Q1 25 | 1.64× | — | ||
| Q4 24 | 1.64× | — | ||
| Q3 24 | 1.80× | — | ||
| Q2 24 | 1.74× | — |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | — | $-57.3M |
| Free Cash FlowOCF − Capex | — | $-57.6M |
| FCF MarginFCF / Revenue | — | -4833.4% |
| Capex IntensityCapex / Revenue | — | 28.9% |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | — | $-167.8M |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $3.1B | $-57.3M | ||
| Q3 25 | $6.2B | $4.2M | ||
| Q2 25 | $4.4B | $-56.3M | ||
| Q1 25 | $4.8B | $-57.2M | ||
| Q4 24 | $5.8B | $-106.0M | ||
| Q3 24 | $-1.8B | $-10.6M | ||
| Q2 24 | $4.5B | $-220.6M |
| Q1 26 | — | — | ||
| Q4 25 | $2.3B | $-57.6M | ||
| Q3 25 | $5.6B | $4.0M | ||
| Q2 25 | $3.7B | $-56.7M | ||
| Q1 25 | $4.3B | $-57.4M | ||
| Q4 24 | $5.3B | $-106.5M | ||
| Q3 24 | $-2.3B | $-11.7M | ||
| Q2 24 | $4.0B | $-221.8M |
| Q1 26 | — | — | ||
| Q4 25 | 21.4% | -4833.4% | ||
| Q3 25 | 53.6% | 143.0% | ||
| Q2 25 | 36.3% | -1719.2% | ||
| Q1 25 | 45.0% | -1424.0% | ||
| Q4 24 | 53.1% | -2584.9% | ||
| Q3 24 | -23.3% | -382.7% | ||
| Q2 24 | 40.4% | -7699.9% |
| Q1 26 | — | — | ||
| Q4 25 | 6.6% | 28.9% | ||
| Q3 25 | 6.3% | 8.6% | ||
| Q2 25 | 6.0% | 12.3% | ||
| Q1 25 | 4.5% | 5.0% | ||
| Q4 24 | 5.0% | 11.4% | ||
| Q3 24 | 4.7% | 38.6% | ||
| Q2 24 | 5.8% | 43.7% |
| Q1 26 | — | — | ||
| Q4 25 | 1.25× | — | ||
| Q3 25 | 2.15× | — | ||
| Q2 25 | 1.51× | — | ||
| Q1 25 | 1.84× | — | ||
| Q4 24 | 2.66× | — | ||
| Q3 24 | -0.72× | — | ||
| Q2 24 | 1.50× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
AXP
| Discount revenue | $9.5M | 50% |
| Other | $8.9M | 47% |
| Deposits with banks and other | $512.0K | 3% |
BETR
Segment breakdown not available.
