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Side-by-side financial comparison of Better Home & Finance Holding Co (BETR) and Clearfield, Inc. (CLFD). Click either name above to swap in a different company.
Better Home & Finance Holding Co is the larger business by last-quarter revenue ($44.3M vs $34.3M, roughly 1.3× Clearfield, Inc.). Clearfield, Inc. runs the higher net margin — -1.8% vs -3349.0%, a 3347.2% gap on every dollar of revenue. On growth, Better Home & Finance Holding Co posted the faster year-over-year revenue change (77.4% vs -3.2%). Clearfield, Inc. produced more free cash flow last quarter ($-2.4M vs $-167.8M). Over the past eight quarters, Better Home & Finance Holding Co's revenue compounded faster (41.1% CAGR vs -3.5%).
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.
Clearfield, Inc. is a company headquartered in Minneapolis, Minnesota. The company produces fiber optic products.
BETR vs CLFD — Head-to-Head
Income Statement — Q4 FY2025 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $44.3M | $34.3M |
| Net Profit | $-39.9M | $-614.0K |
| Gross Margin | — | 33.2% |
| Operating Margin | -3376.8% | -5.3% |
| Net Margin | -3349.0% | -1.8% |
| Revenue YoY | 77.4% | -3.2% |
| Net Profit YoY | 32.6% | 67.8% |
| EPS (diluted) | $-2.52 | $-0.04 |
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.
| Q4 25 | $44.3M | $34.3M | ||
| Q3 25 | $43.9M | $23.4M | ||
| Q2 25 | $44.1M | $49.9M | ||
| Q1 25 | $32.6M | $47.2M | ||
| Q4 24 | $25.0M | $29.7M | ||
| Q3 24 | $29.0M | $5.6M | ||
| Q2 24 | $32.3M | $48.8M | ||
| Q1 24 | $22.3M | $36.9M |
| Q4 25 | $-39.9M | $-614.0K | ||
| Q3 25 | $-39.1M | $-9.1M | ||
| Q2 25 | $-36.3M | $1.6M | ||
| Q1 25 | $-50.6M | $1.3M | ||
| Q4 24 | $-59.2M | $-1.9M | ||
| Q3 24 | $-54.2M | — | ||
| Q2 24 | $-41.4M | $-447.0K | ||
| Q1 24 | $-51.5M | $-5.9M |
| Q4 25 | — | 33.2% | ||
| Q3 25 | — | 53.2% | ||
| Q2 25 | — | 30.5% | ||
| Q1 25 | — | 30.1% | ||
| Q4 24 | — | 29.2% | ||
| Q3 24 | — | — | ||
| Q2 24 | — | 21.9% | ||
| Q1 24 | — | 7.7% |
| Q4 25 | -3376.8% | -5.3% | ||
| Q3 25 | -88.9% | 10.3% | ||
| Q2 25 | -81.9% | 3.0% | ||
| Q1 25 | -154.9% | 0.6% | ||
| Q4 24 | -1428.3% | -6.9% | ||
| Q3 24 | -186.5% | — | ||
| Q2 24 | -127.6% | -4.7% | ||
| Q1 24 | -230.8% | -26.4% |
| Q4 25 | -3349.0% | -1.8% | ||
| Q3 25 | -89.2% | -38.8% | ||
| Q2 25 | -82.2% | 3.2% | ||
| Q1 25 | -155.3% | 2.8% | ||
| Q4 24 | -1437.5% | -6.4% | ||
| Q3 24 | -187.0% | — | ||
| Q2 24 | -128.2% | -0.9% | ||
| Q1 24 | -231.4% | -16.0% |
| Q4 25 | $-2.52 | $-0.04 | ||
| Q3 25 | $-2.56 | $-0.65 | ||
| Q2 25 | $-2.39 | $0.11 | ||
| Q1 25 | $-3.33 | $0.09 | ||
| Q4 24 | $-3.92 | $-0.13 | ||
| Q3 24 | $-3.58 | — | ||
| Q2 24 | $-2.74 | $-0.04 | ||
| Q1 24 | $-3.41 | $-0.40 |
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 | $96.4M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $37.2M | $249.7M |
| Total Assets | $1.5B | $268.1M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $203.4M | $96.4M | ||
| Q3 25 | $205.8M | $106.0M | ||
| Q2 25 | $221.5M | $117.2M | ||
| Q1 25 | $228.0M | $112.0M | ||
| Q4 24 | $264.9M | $113.0M | ||
| Q3 24 | $262.1M | $129.0M | ||
| Q2 24 | $378.8M | $123.8M | ||
| Q1 24 | $482.6M | $142.9M |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | $2.2M | ||
| Q2 24 | — | $2.1M | ||
| Q1 24 | — | — |
| Q4 25 | $37.2M | $249.7M | ||
| Q3 25 | $41.9M | $256.2M | ||
| Q2 25 | $76.6M | $264.5M | ||
| Q1 25 | $-102.1M | $265.9M | ||
| Q4 24 | $-58.2M | $267.4M | ||
| Q3 24 | $388.0K | $275.8M | ||
| Q2 24 | $44.9M | $274.6M | ||
| Q1 24 | $76.3M | $279.2M |
| Q4 25 | $1.5B | $268.1M | ||
| Q3 25 | $1.4B | $306.2M | ||
| Q2 25 | $1.2B | $314.7M | ||
| Q1 25 | $1.0B | $310.9M | ||
| Q4 24 | $913.1M | $303.2M | ||
| Q3 24 | $845.2M | $315.3M | ||
| Q2 24 | $957.9M | $318.1M | ||
| Q1 24 | $841.6M | $315.4M |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 0.01× | ||
| Q2 24 | — | 0.01× | ||
| Q1 24 | — | — |
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 | $-166.6M | $-1.4M |
| Free Cash FlowOCF − Capex | $-167.8M | $-2.4M |
| FCF MarginFCF / Revenue | -378.6% | -7.1% |
| Capex IntensityCapex / Revenue | 2.7% | 2.9% |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | $-277.9M | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $-166.6M | $-1.4M | ||
| Q3 25 | $4.2M | — | ||
| Q2 25 | $-56.3M | $7.9M | ||
| Q1 25 | $-57.2M | $3.0M | ||
| Q4 24 | $-380.0M | $7.2M | ||
| Q3 24 | $-10.6M | $22.2M | ||
| Q2 24 | $-220.6M | $4.0M | ||
| Q1 24 | $-42.8M | $-5.7M |
| Q4 25 | $-167.8M | $-2.4M | ||
| Q3 25 | $4.0M | — | ||
| Q2 25 | $-56.7M | $7.5M | ||
| Q1 25 | $-57.4M | $654.0K | ||
| Q4 24 | $-383.4M | $5.1M | ||
| Q3 24 | $-11.7M | $18.2M | ||
| Q2 24 | $-221.8M | $2.8M | ||
| Q1 24 | $-43.3M | $-7.7M |
| Q4 25 | -378.6% | -7.1% | ||
| Q3 25 | 9.1% | — | ||
| Q2 25 | -128.5% | 15.1% | ||
| Q1 25 | -176.3% | 1.4% | ||
| Q4 24 | -1534.6% | 17.1% | ||
| Q3 24 | -40.5% | 323.0% | ||
| Q2 24 | -687.6% | 5.8% | ||
| Q1 24 | -194.5% | -20.8% |
| Q4 25 | 2.7% | 2.9% | ||
| Q3 25 | 0.5% | 2.0% | ||
| Q2 25 | 0.9% | 0.8% | ||
| Q1 25 | 0.6% | 5.1% | ||
| Q4 24 | 13.6% | 7.0% | ||
| Q3 24 | 4.1% | 71.4% | ||
| Q2 24 | 3.9% | 2.5% | ||
| Q1 24 | 2.1% | 5.3% |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | 4.93× | ||
| Q1 25 | — | 2.30× | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
