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Side-by-side financial comparison of Better Home & Finance Holding Co (BETR) and STEM, INC. (STEM). Click either name above to swap in a different company.
STEM, INC. is the larger business by last-quarter revenue ($47.1M vs $44.3M, roughly 1.1× Better Home & Finance Holding Co). STEM, INC. runs the higher net margin — -33.9% vs -3349.0%, a 3315.1% gap on every dollar of revenue. On growth, Better Home & Finance Holding Co posted the faster year-over-year revenue change (77.4% vs -15.6%). Over the past eight quarters, Better Home & Finance Holding Co's revenue compounded faster (41.1% CAGR vs 36.1%).
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.
StemCells, Inc. is a public biopharmaceutical company headquartered in Newark, California, that is developing purified human neural stem cells (HuCNS-SCs) in the hopes of treating central nervous system disorders and paralysis. StemCells' HuCNS-SCs have the ability to differentiate into the three main types of cells found in the central nervous system: neurons, astrocytes and oligodendrocytes.
BETR vs STEM — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $44.3M | $47.1M |
| Net Profit | $-39.9M | $-16.0M |
| Gross Margin | — | 48.9% |
| Operating Margin | -3376.8% | -17.7% |
| Net Margin | -3349.0% | -33.9% |
| Revenue YoY | 77.4% | -15.6% |
| Net Profit YoY | 32.6% | 68.8% |
| EPS (diluted) | $-2.52 | $-4.40 |
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 | $47.1M | ||
| Q3 25 | $43.9M | $38.2M | ||
| Q2 25 | $44.1M | $38.4M | ||
| Q1 25 | $32.6M | $32.5M | ||
| Q4 24 | $25.0M | $55.8M | ||
| Q3 24 | $29.0M | $29.3M | ||
| Q2 24 | $32.3M | $34.0M | ||
| Q1 24 | $22.3M | $25.5M |
| Q4 25 | $-39.9M | $-16.0M | ||
| Q3 25 | $-39.1M | $-23.8M | ||
| Q2 25 | $-36.3M | $202.5M | ||
| Q1 25 | $-50.6M | $-25.0M | ||
| Q4 24 | $-59.2M | $-51.1M | ||
| Q3 24 | $-54.2M | $-148.3M | ||
| Q2 24 | $-41.4M | $-582.3M | ||
| Q1 24 | $-51.5M | $-72.3M |
| Q4 25 | — | 48.9% | ||
| Q3 25 | — | 35.5% | ||
| Q2 25 | — | 33.4% | ||
| Q1 25 | — | 32.4% | ||
| Q4 24 | — | -4.4% | ||
| Q3 24 | — | 21.2% | ||
| Q2 24 | — | 27.6% | ||
| Q1 24 | — | -95.0% |
| Q4 25 | -3376.8% | -17.7% | ||
| Q3 25 | -88.9% | -33.6% | ||
| Q2 25 | -81.9% | -34.8% | ||
| Q1 25 | -154.9% | -65.0% | ||
| Q4 24 | -1428.3% | -84.4% | ||
| Q3 24 | -186.5% | -493.2% | ||
| Q2 24 | -127.6% | -1705.5% | ||
| Q1 24 | -230.8% | -267.0% |
| Q4 25 | -3349.0% | -33.9% | ||
| Q3 25 | -89.2% | -62.2% | ||
| Q2 25 | -82.2% | 527.8% | ||
| Q1 25 | -155.3% | -76.9% | ||
| Q4 24 | -1437.5% | -91.6% | ||
| Q3 24 | -187.0% | -506.3% | ||
| Q2 24 | -128.2% | -1712.6% | ||
| Q1 24 | -231.4% | -283.9% |
| Q4 25 | $-2.52 | $-4.40 | ||
| Q3 25 | $-2.56 | $-2.84 | ||
| Q2 25 | $-2.39 | $-1.79 | ||
| Q1 25 | $-3.33 | $-0.15 | ||
| Q4 24 | $-3.92 | $-15.29 | ||
| Q3 24 | $-3.58 | $-18.24 | ||
| Q2 24 | $-2.74 | $-71.81 | ||
| Q1 24 | $-3.41 | $-0.46 |
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 | $48.9M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $37.2M | $-249.4M |
| Total Assets | $1.5B | $308.9M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $203.4M | $48.9M | ||
| Q3 25 | $205.8M | $43.1M | ||
| Q2 25 | $221.5M | $40.8M | ||
| Q1 25 | $228.0M | $58.6M | ||
| Q4 24 | $264.9M | $56.3M | ||
| Q3 24 | $262.1M | $75.4M | ||
| Q2 24 | $378.8M | $89.6M | ||
| Q1 24 | $482.6M | $112.8M |
| Q4 25 | $37.2M | $-249.4M | ||
| Q3 25 | $41.9M | $-235.7M | ||
| Q2 25 | $76.6M | $-214.1M | ||
| Q1 25 | $-102.1M | $-417.5M | ||
| Q4 24 | $-58.2M | $-398.4M | ||
| Q3 24 | $388.0K | $-344.1M | ||
| Q2 24 | $44.9M | $-203.2M | ||
| Q1 24 | $76.3M | $371.6M |
| Q4 25 | $1.5B | $308.9M | ||
| Q3 25 | $1.4B | $362.6M | ||
| Q2 25 | $1.2B | $379.2M | ||
| Q1 25 | $1.0B | $405.1M | ||
| Q4 24 | $913.1M | $437.4M | ||
| Q3 24 | $845.2M | $537.8M | ||
| Q2 24 | $957.9M | $691.5M | ||
| Q1 24 | $841.6M | $1.3B |
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 | $8.2M |
| Free Cash FlowOCF − Capex | $-167.8M | — |
| FCF MarginFCF / Revenue | -378.6% | — |
| Capex IntensityCapex / Revenue | 2.7% | — |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | $-277.9M | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $-166.6M | $8.2M | ||
| Q3 25 | $4.2M | $11.4M | ||
| Q2 25 | $-56.3M | $-21.3M | ||
| Q1 25 | $-57.2M | $8.5M | ||
| Q4 24 | $-380.0M | $-14.7M | ||
| Q3 24 | $-10.6M | $-9.4M | ||
| Q2 24 | $-220.6M | $-11.9M | ||
| Q1 24 | $-42.8M | $-621.0K |
| Q4 25 | $-167.8M | — | ||
| Q3 25 | $4.0M | — | ||
| Q2 25 | $-56.7M | — | ||
| Q1 25 | $-57.4M | — | ||
| Q4 24 | $-383.4M | — | ||
| Q3 24 | $-11.7M | — | ||
| Q2 24 | $-221.8M | — | ||
| Q1 24 | $-43.3M | — |
| Q4 25 | -378.6% | — | ||
| Q3 25 | 9.1% | — | ||
| Q2 25 | -128.5% | — | ||
| Q1 25 | -176.3% | — | ||
| Q4 24 | -1534.6% | — | ||
| Q3 24 | -40.5% | — | ||
| Q2 24 | -687.6% | — | ||
| Q1 24 | -194.5% | — |
| Q4 25 | 2.7% | — | ||
| Q3 25 | 0.5% | — | ||
| Q2 25 | 0.9% | — | ||
| Q1 25 | 0.6% | — | ||
| Q4 24 | 13.6% | — | ||
| Q3 24 | 4.1% | — | ||
| Q2 24 | 3.9% | — | ||
| Q1 24 | 2.1% | — |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | -0.11× | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
