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Side-by-side financial comparison of Better Home & Finance Holding Co (BETR) and iQSTEL Inc (IQST). Click either name above to swap in a different company.
iQSTEL Inc is the larger business by last-quarter revenue ($84.2M vs $44.3M, roughly 1.9× Better Home & Finance Holding Co). iQSTEL Inc runs the higher net margin — -3.2% vs -3349.0%, a 3345.8% gap on every dollar of revenue. On growth, Better Home & Finance Holding Co posted the faster year-over-year revenue change (77.4% vs -14.9%). iQSTEL Inc produced more free cash flow last quarter ($-1.2M vs $-167.8M). Over the past eight quarters, Better Home & Finance Holding Co's revenue compounded faster (41.1% CAGR vs 28.0%).
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.
iQSTEL Inc is a technology holding company operating three core segments: telecommunications, Internet of Things (IoT), and fintech. It offers connectivity services, smart IoT monitoring solutions, and digital financial tools, mainly serving small and medium-sized enterprises and retail customers in North and South American markets.
BETR vs IQST — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $44.3M | $84.2M |
| Net Profit | $-39.9M | $-2.7M |
| Gross Margin | — | 3.5% |
| Operating Margin | -3376.8% | -2.9% |
| Net Margin | -3349.0% | -3.2% |
| Revenue YoY | 77.4% | -14.9% |
| Net Profit YoY | 32.6% | -44.5% |
| EPS (diluted) | $-2.52 | $-0.92 |
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 | $84.2M | ||
| Q3 25 | $43.9M | $102.9M | ||
| Q2 25 | $44.1M | $72.2M | ||
| Q1 25 | $32.6M | $57.6M | ||
| Q4 24 | $25.0M | $98.9M | ||
| Q3 24 | $29.0M | $54.2M | ||
| Q2 24 | $32.3M | $78.6M | ||
| Q1 24 | $22.3M | $51.4M |
| Q4 25 | $-39.9M | $-2.7M | ||
| Q3 25 | $-39.1M | $-2.3M | ||
| Q2 25 | $-36.3M | $-2.3M | ||
| Q1 25 | $-50.6M | $-1.1M | ||
| Q4 24 | $-59.2M | $-1.9M | ||
| Q3 24 | $-54.2M | $-773.0K | ||
| Q2 24 | $-41.4M | $-2.0M | ||
| Q1 24 | $-51.5M | $-580.2K |
| Q4 25 | — | 3.5% | ||
| Q3 25 | — | 2.7% | ||
| Q2 25 | — | 2.6% | ||
| Q1 25 | — | 3.4% | ||
| Q4 24 | — | 2.7% | ||
| Q3 24 | — | 3.7% | ||
| Q2 24 | — | 2.8% | ||
| Q1 24 | — | 2.7% |
| Q4 25 | -3376.8% | -2.9% | ||
| Q3 25 | -88.9% | -0.5% | ||
| Q2 25 | -81.9% | -0.9% | ||
| Q1 25 | -154.9% | -1.0% | ||
| Q4 24 | -1428.3% | -0.3% | ||
| Q3 24 | -186.5% | -0.1% | ||
| Q2 24 | -127.6% | -0.4% | ||
| Q1 24 | -230.8% | -0.4% |
| Q4 25 | -3349.0% | -3.2% | ||
| Q3 25 | -89.2% | -2.3% | ||
| Q2 25 | -82.2% | -3.3% | ||
| Q1 25 | -155.3% | -2.0% | ||
| Q4 24 | -1437.5% | -1.9% | ||
| Q3 24 | -187.0% | -1.4% | ||
| Q2 24 | -128.2% | -2.5% | ||
| Q1 24 | -231.4% | -1.1% |
| Q4 25 | $-2.52 | $-0.92 | ||
| Q3 25 | $-2.56 | $-0.68 | ||
| Q2 25 | $-2.39 | $-0.82 | ||
| Q1 25 | $-3.33 | $-0.44 | ||
| Q4 24 | $-3.92 | $-1.19 | ||
| Q3 24 | $-3.58 | $-0.40 | ||
| Q2 24 | $-2.74 | $-0.90 | ||
| Q1 24 | $-3.41 | $-0.37 |
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 | $2.2M |
| Total DebtLower is stronger | — | $4.1M |
| Stockholders' EquityBook value | $37.2M | $16.3M |
| Total Assets | $1.5B | $51.1M |
| Debt / EquityLower = less leverage | — | 0.25× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $203.4M | $2.2M | ||
| Q3 25 | $205.8M | $2.3M | ||
| Q2 25 | $221.5M | $2.0M | ||
| Q1 25 | $228.0M | $1.1M | ||
| Q4 24 | $264.9M | $2.5M | ||
| Q3 24 | $262.1M | $2.1M | ||
| Q2 24 | $378.8M | $797.2K | ||
| Q1 24 | $482.6M | $2.7M |
| Q4 25 | — | $4.1M | ||
| Q3 25 | — | $2.7M | ||
| Q2 25 | — | $4.5M | ||
| Q1 25 | — | $3.5M | ||
| Q4 24 | — | $2.5M | ||
| Q3 24 | — | $3.2M | ||
| Q2 24 | — | $2.5M | ||
| Q1 24 | — | $194.0K |
| Q4 25 | $37.2M | $16.3M | ||
| Q3 25 | $41.9M | $17.9M | ||
| Q2 25 | $76.6M | $14.3M | ||
| Q1 25 | $-102.1M | $11.6M | ||
| Q4 24 | $-58.2M | $11.9M | ||
| Q3 24 | $388.0K | $8.1M | ||
| Q2 24 | $44.9M | $7.6M | ||
| Q1 24 | $76.3M | $8.4M |
| Q4 25 | $1.5B | $51.1M | ||
| Q3 25 | $1.4B | $46.9M | ||
| Q2 25 | $1.2B | $51.4M | ||
| Q1 25 | $1.0B | $42.0M | ||
| Q4 24 | $913.1M | $79.0M | ||
| Q3 24 | $845.2M | $32.4M | ||
| Q2 24 | $957.9M | $30.0M | ||
| Q1 24 | $841.6M | $22.1M |
| Q4 25 | — | 0.25× | ||
| Q3 25 | — | 0.15× | ||
| Q2 25 | — | 0.31× | ||
| Q1 25 | — | 0.31× | ||
| Q4 24 | — | 0.21× | ||
| Q3 24 | — | 0.40× | ||
| Q2 24 | — | 0.34× | ||
| Q1 24 | — | 0.02× |
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 | $-1.2M |
| Free Cash FlowOCF − Capex | $-167.8M | $-1.2M |
| FCF MarginFCF / Revenue | -378.6% | -1.5% |
| Capex IntensityCapex / Revenue | 2.7% | 0.0% |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | $-277.9M | $-4.0M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $-166.6M | $-1.2M | ||
| Q3 25 | $4.2M | $-953.0K | ||
| Q2 25 | $-56.3M | $257.7K | ||
| Q1 25 | $-57.2M | $-1.9M | ||
| Q4 24 | $-380.0M | $-403.7K | ||
| Q3 24 | $-10.6M | $625.0K | ||
| Q2 24 | $-220.6M | $-2.6M | ||
| Q1 24 | $-42.8M | $-536.9K |
| Q4 25 | $-167.8M | $-1.2M | ||
| Q3 25 | $4.0M | $-969.2K | ||
| Q2 25 | $-56.7M | $211.7K | ||
| Q1 25 | $-57.4M | $-2.0M | ||
| Q4 24 | $-383.4M | $-421.3K | ||
| Q3 24 | $-11.7M | $594.5K | ||
| Q2 24 | $-221.8M | $-2.6M | ||
| Q1 24 | $-43.3M | $-608.5K |
| Q4 25 | -378.6% | -1.5% | ||
| Q3 25 | 9.1% | -0.9% | ||
| Q2 25 | -128.5% | 0.3% | ||
| Q1 25 | -176.3% | -3.4% | ||
| Q4 24 | -1534.6% | -0.4% | ||
| Q3 24 | -40.5% | 1.1% | ||
| Q2 24 | -687.6% | -3.4% | ||
| Q1 24 | -194.5% | -1.2% |
| Q4 25 | 2.7% | 0.0% | ||
| Q3 25 | 0.5% | 0.0% | ||
| Q2 25 | 0.9% | 0.1% | ||
| Q1 25 | 0.6% | 0.1% | ||
| Q4 24 | 13.6% | 0.0% | ||
| Q3 24 | 4.1% | 0.1% | ||
| Q2 24 | 3.9% | 0.0% | ||
| Q1 24 | 2.1% | 0.1% |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
BETR
Segment breakdown not available.
IQST
| USA | $53.2M | 63% |
| Other | $29.9M | 35% |
| Switzerland | $1.1M | 1% |
