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Side-by-side financial comparison of Better Home & Finance Holding Co (BETR) and Repay Holdings Corp (RPAY). Click either name above to swap in a different company.
Repay Holdings Corp is the larger business by last-quarter revenue ($78.6M vs $44.3M, roughly 1.8× Better Home & Finance Holding Co). Repay Holdings Corp runs the higher net margin — -178.3% vs -3349.0%, a 3170.7% gap on every dollar of revenue. On growth, Better Home & Finance Holding Co posted the faster year-over-year revenue change (77.4% vs 0.4%). Repay Holdings Corp produced more free cash flow last quarter ($23.2M vs $-167.8M). Over the past eight quarters, Better Home & Finance Holding Co's revenue compounded faster (41.1% CAGR vs -1.3%).
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.
Repay Holdings Corp is a leading payment technology provider delivering integrated end-to-end payment processing solutions for businesses across North America. Its offerings include credit/debit card processing, ACH transfer services, POS system integrations and digital payment tools, serving retail, healthcare, automotive and e-commerce segments to help clients streamline transaction workflows and boost operational efficiency.
BETR vs RPAY — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $44.3M | $78.6M |
| Net Profit | $-39.9M | $-140.1M |
| Gross Margin | — | 74.2% |
| Operating Margin | -3376.8% | -182.2% |
| Net Margin | -3349.0% | -178.3% |
| Revenue YoY | 77.4% | 0.4% |
| Net Profit YoY | 32.6% | -3304.1% |
| EPS (diluted) | $-2.52 | $-1.68 |
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 | $78.6M | ||
| Q3 25 | $43.9M | $77.7M | ||
| Q2 25 | $44.1M | $75.6M | ||
| Q1 25 | $32.6M | $77.3M | ||
| Q4 24 | $25.0M | $78.3M | ||
| Q3 24 | $29.0M | $79.1M | ||
| Q2 24 | $32.3M | $74.9M | ||
| Q1 24 | $22.3M | $80.7M |
| Q4 25 | $-39.9M | $-140.1M | ||
| Q3 25 | $-39.1M | $-6.4M | ||
| Q2 25 | $-36.3M | $-102.3M | ||
| Q1 25 | $-50.6M | $-7.9M | ||
| Q4 24 | $-59.2M | $-4.1M | ||
| Q3 24 | $-54.2M | $3.2M | ||
| Q2 24 | $-41.4M | $-4.1M | ||
| Q1 24 | $-51.5M | $-5.2M |
| Q4 25 | — | 74.2% | ||
| Q3 25 | — | 74.4% | ||
| Q2 25 | — | 75.7% | ||
| Q1 25 | — | 75.9% | ||
| Q4 24 | — | 76.3% | ||
| Q3 24 | — | 77.8% | ||
| Q2 24 | — | 78.2% | ||
| Q1 24 | — | 76.2% |
| Q4 25 | -3376.8% | -182.2% | ||
| Q3 25 | -88.9% | -3.9% | ||
| Q2 25 | -81.9% | -138.7% | ||
| Q1 25 | -154.9% | -4.7% | ||
| Q4 24 | -1428.3% | -1.5% | ||
| Q3 24 | -186.5% | -0.9% | ||
| Q2 24 | -127.6% | -4.6% | ||
| Q1 24 | -230.8% | -3.1% |
| Q4 25 | -3349.0% | -178.3% | ||
| Q3 25 | -89.2% | -8.3% | ||
| Q2 25 | -82.2% | -135.2% | ||
| Q1 25 | -155.3% | -10.3% | ||
| Q4 24 | -1437.5% | -5.3% | ||
| Q3 24 | -187.0% | 4.1% | ||
| Q2 24 | -128.2% | -5.4% | ||
| Q1 24 | -231.4% | -6.5% |
| Q4 25 | $-2.52 | $-1.68 | ||
| Q3 25 | $-2.56 | $-0.08 | ||
| Q2 25 | $-2.39 | $-1.15 | ||
| Q1 25 | $-3.33 | $-0.09 | ||
| Q4 24 | $-3.92 | $-0.04 | ||
| Q3 24 | $-3.58 | $0.03 | ||
| Q2 24 | $-2.74 | $-0.04 | ||
| Q1 24 | $-3.41 | $-0.06 |
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 | $115.7M |
| Total DebtLower is stronger | — | $280.1M |
| Stockholders' EquityBook value | $37.2M | $484.4M |
| Total Assets | $1.5B | $1.2B |
| Debt / EquityLower = less leverage | — | 0.58× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $203.4M | $115.7M | ||
| Q3 25 | $205.8M | $95.7M | ||
| Q2 25 | $221.5M | $162.6M | ||
| Q1 25 | $228.0M | $165.5M | ||
| Q4 24 | $264.9M | $189.5M | ||
| Q3 24 | $262.1M | $168.7M | ||
| Q2 24 | $378.8M | $147.1M | ||
| Q1 24 | $482.6M | $128.3M |
| Q4 25 | — | $280.1M | ||
| Q3 25 | — | $279.5M | ||
| Q2 25 | — | $279.0M | ||
| Q1 25 | — | $497.6M | ||
| Q4 24 | — | $496.8M | ||
| Q3 24 | — | $496.2M | ||
| Q2 24 | — | $435.6M | ||
| Q1 24 | — | $434.9M |
| Q4 25 | $37.2M | $484.4M | ||
| Q3 25 | $41.9M | $616.9M | ||
| Q2 25 | $76.6M | $633.7M | ||
| Q1 25 | $-102.1M | $755.7M | ||
| Q4 24 | $-58.2M | $761.3M | ||
| Q3 24 | $388.0K | $754.7M | ||
| Q2 24 | $44.9M | $815.4M | ||
| Q1 24 | $76.3M | $813.8M |
| Q4 25 | $1.5B | $1.2B | ||
| Q3 25 | $1.4B | $1.3B | ||
| Q2 25 | $1.2B | $1.4B | ||
| Q1 25 | $1.0B | $1.5B | ||
| Q4 24 | $913.1M | $1.6B | ||
| Q3 24 | $845.2M | $1.6B | ||
| Q2 24 | $957.9M | $1.5B | ||
| Q1 24 | $841.6M | $1.5B |
| Q4 25 | — | 0.58× | ||
| Q3 25 | — | 0.45× | ||
| Q2 25 | — | 0.44× | ||
| Q1 25 | — | 0.66× | ||
| Q4 24 | — | 0.65× | ||
| Q3 24 | — | 0.66× | ||
| Q2 24 | — | 0.53× | ||
| Q1 24 | — | 0.53× |
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 | $23.3M |
| Free Cash FlowOCF − Capex | $-167.8M | $23.2M |
| FCF MarginFCF / Revenue | -378.6% | 29.6% |
| Capex IntensityCapex / Revenue | 2.7% | 0.1% |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | $-277.9M | $90.7M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $-166.6M | $23.3M | ||
| Q3 25 | $4.2M | $32.2M | ||
| Q2 25 | $-56.3M | $33.1M | ||
| Q1 25 | $-57.2M | $2.5M | ||
| Q4 24 | $-380.0M | $34.3M | ||
| Q3 24 | $-10.6M | $60.1M | ||
| Q2 24 | $-220.6M | $31.0M | ||
| Q1 24 | $-42.8M | $24.8M |
| Q4 25 | $-167.8M | $23.2M | ||
| Q3 25 | $4.0M | $32.1M | ||
| Q2 25 | $-56.7M | $33.0M | ||
| Q1 25 | $-57.4M | $2.4M | ||
| Q4 24 | $-383.4M | $34.0M | ||
| Q3 24 | $-11.7M | $59.8M | ||
| Q2 24 | $-221.8M | $30.5M | ||
| Q1 24 | $-43.3M | $24.7M |
| Q4 25 | -378.6% | 29.6% | ||
| Q3 25 | 9.1% | 41.3% | ||
| Q2 25 | -128.5% | 43.6% | ||
| Q1 25 | -176.3% | 3.0% | ||
| Q4 24 | -1534.6% | 43.5% | ||
| Q3 24 | -40.5% | 75.6% | ||
| Q2 24 | -687.6% | 40.7% | ||
| Q1 24 | -194.5% | 30.6% |
| Q4 25 | 2.7% | 0.1% | ||
| Q3 25 | 0.5% | 0.2% | ||
| Q2 25 | 0.9% | 0.1% | ||
| Q1 25 | 0.6% | 0.2% | ||
| Q4 24 | 13.6% | 0.3% | ||
| Q3 24 | 4.1% | 0.3% | ||
| Q2 24 | 3.9% | 0.6% | ||
| Q1 24 | 2.1% | 0.1% |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 18.52× | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
BETR
Segment breakdown not available.
RPAY
| Sales Channel Directly To Consumer | $69.4M | 88% |
| Other | $6.8M | 9% |
| Sales Channel Through Intermediary | $2.3M | 3% |
