vs
Better Home & Finance Holding Co（BETR）与LendingTree, Inc.（TREE）财务数据对比。点击上方公司名可切换其他公司
LendingTree, Inc.的季度营收约是Better Home & Finance Holding Co的268.2倍（$319.7M vs $1.2M）。LendingTree, Inc.净利率更高（45.2% vs -3349.0%，领先3394.2%）。LendingTree, Inc.同比增速更快（22.2% vs -71.1%）。LendingTree, Inc.自由现金流更多（$13.5M vs $-57.6M）。过去两年LendingTree, Inc.的营收复合增速更高（38.0% vs -35.0%）
巴贾吉金融有限公司是印度一家可吸收存款的非银行金融机构，总部位于普纳。截至2025年9月，该公司拥有1.1064亿客户，管理资产规模达46225亿卢比，约合550亿美元，是印度知名的非银行金融服务商。
LendingTree, Inc.是1996年成立的在线借贷交易平台，总部位于北卡罗来纳州夏洛特。该平台对接潜在借款用户与多家贷款机构，可提供贷款、信用卡、存款账户、保险等多种金融产品服务，支持用户对比不同机构的利率与条款，还配套提供金融工具、贷款查询及借贷相关资讯服务。
BETR vs TREE — 直观对比
营收规模更大
TREE
是对方的268.2倍
$1.2M
营收增速更快
TREE
高出93.3%
-71.1%
净利率更高
TREE
高出3394.2%
-3349.0%
自由现金流更多
TREE
多$71.1M
$-57.6M
两年增速更快
TREE
近两年复合增速
-35.0%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $1.2M | $319.7M |
| 净利润 | $-39.9M | $144.7M |
| 毛利率 | — | 29.2% |
| 营业利润率 | -3376.8% | 7.0% |
| 净利率 | -3349.0% | 45.2% |
| 营收同比 | -71.1% | 22.2% |
| 净利润同比 | 32.6% | 1827.2% |
| 每股收益（稀释后） | $-2.52 | $10.32 |
绿色 = 该指标领先。财年不对齐时期间可能不同
8季度营收与利润趋势
并排季度历史对比，按日历期对齐，财年错位的公司也能正确匹配
营收BETRTREE
| Q4 25 | $1.2M | $319.7M | ||
| Q3 25 | $2.8M | $307.8M | ||
| Q2 25 | $3.3M | $250.1M | ||
| Q1 25 | $4.0M | $239.7M | ||
| Q4 24 | $4.1M | $261.5M | ||
| Q3 24 | $3.1M | $260.8M | ||
| Q2 24 | $2.9M | $210.1M | ||
| Q1 24 | $2.8M | $167.8M |
净利润BETRTREE
| Q4 25 | $-39.9M | $144.7M | ||
| Q3 25 | $-39.1M | $10.2M | ||
| Q2 25 | $-36.3M | $8.9M | ||
| Q1 25 | $-50.6M | $-12.4M | ||
| Q4 24 | $-59.2M | $7.5M | ||
| Q3 24 | $-54.2M | $-58.0M | ||
| Q2 24 | $-41.4M | $7.8M | ||
| Q1 24 | $-51.5M | $1.0M |
毛利率BETRTREE
| Q4 25 | — | 29.2% | ||
| Q3 25 | — | 30.7% | ||
| Q2 25 | — | 34.0% | ||
| Q1 25 | — | 32.9% | ||
| Q4 24 | — | 33.6% | ||
| Q3 24 | — | 30.2% | ||
| Q2 24 | — | 34.5% | ||
| Q1 24 | — | 42.0% |
营业利润率BETRTREE
| Q4 25 | -3376.8% | 7.0% | ||
| Q3 25 | -1403.7% | 9.3% | ||
| Q2 25 | -1096.2% | 8.4% | ||
| Q1 25 | -1250.9% | -3.0% | ||
| Q4 24 | -1428.3% | 6.9% | ||
| Q3 24 | -1761.7% | 3.8% | ||
| Q2 24 | -1428.7% | 4.6% | ||
| Q1 24 | -1822.8% | 4.3% |
净利率BETRTREE
| Q4 25 | -3349.0% | 45.2% | ||
| Q3 25 | -1408.9% | 3.3% | ||
| Q2 25 | -1099.1% | 3.5% | ||
| Q1 25 | -1254.5% | -5.2% | ||
| Q4 24 | -1437.5% | 2.9% | ||
| Q3 24 | -1765.8% | -22.2% | ||
| Q2 24 | -1435.8% | 3.7% | ||
| Q1 24 | -1827.9% | 0.6% |
每股收益（稀释后）BETRTREE
| Q4 25 | $-2.52 | $10.32 | ||
| Q3 25 | $-2.56 | $0.73 | ||
| Q2 25 | $-2.39 | $0.65 | ||
| Q1 25 | $-3.33 | $-0.92 | ||
| Q4 24 | $-3.92 | $0.54 | ||
| Q3 24 | $-3.58 | $-4.34 | ||
| Q2 24 | $-2.74 | $0.58 | ||
| Q1 24 | $-3.41 | $0.08 |
资产负债表与财务实力
最新季度各公司的流动性、杠杆与账面价值一览
| 指标 | | |
|---|---|---|
| 现金及短期投资手头流动性 | $203.4M | $81.1M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $37.2M | $286.8M |
| 总资产 | $1.5B | $855.7M |
| 负债/权益比越低杠杆越低 | — | — |
8季度趋势，按日历期对齐
现金及短期投资BETRTREE
| Q4 25 | $203.4M | $81.1M | ||
| Q3 25 | $205.8M | $68.6M | ||
| Q2 25 | $221.5M | $149.1M | ||
| Q1 25 | $228.0M | $126.4M | ||
| Q4 24 | $264.9M | $106.6M | ||
| Q3 24 | $262.1M | $96.8M | ||
| Q2 24 | $378.8M | $66.8M | ||
| Q1 24 | $482.6M | $230.7M |
股东权益BETRTREE
| Q4 25 | $37.2M | $286.8M | ||
| Q3 25 | $41.9M | $132.4M | ||
| Q2 25 | $76.6M | $118.1M | ||
| Q1 25 | $-102.1M | $103.7M | ||
| Q4 24 | $-58.2M | $108.8M | ||
| Q3 24 | $388.0K | $94.3M | ||
| Q2 24 | $44.9M | $145.8M | ||
| Q1 24 | $76.3M | $131.5M |
总资产BETRTREE
| Q4 25 | $1.5B | $855.7M | ||
| Q3 25 | $1.4B | $759.9M | ||
| Q2 25 | $1.2B | $835.8M | ||
| Q1 25 | $1.0B | $777.1M | ||
| Q4 24 | $913.1M | $767.7M | ||
| Q3 24 | $845.2M | $787.2M | ||
| Q2 24 | $957.9M | $802.2M | ||
| Q1 24 | $841.6M | $926.7M |
现金流与资本效率
扣除再投资后实际产生的现金。现金流比净利润更难造假
| 指标 | | |
|---|---|---|
| 经营现金流最新季度 | $-57.3M | $16.5M |
| 自由现金流经营现金流 - 资本支出 | $-57.6M | $13.5M |
| 自由现金流率自由现金流/营收 | -4833.4% | 4.2% |
| 资本支出强度资本支出/营收 | 28.9% | 0.9% |
| 现金转化率经营现金流/净利润 | — | 0.11× |
| 过去12个月自由现金流最近4个季度 | $-167.8M | $60.7M |
8季度趋势，按日历期对齐
经营现金流BETRTREE
| Q4 25 | $-57.3M | $16.5M | ||
| Q3 25 | $4.2M | $28.8M | ||
| Q2 25 | $-56.3M | $28.0M | ||
| Q1 25 | $-57.2M | $-210.0K | ||
| Q4 24 | $-106.0M | $16.2M | ||
| Q3 24 | $-10.6M | $45.3M | ||
| Q2 24 | $-220.6M | $-4.9M | ||
| Q1 24 | $-42.8M | $5.7M |
自由现金流BETRTREE
| Q4 25 | $-57.6M | $13.5M | ||
| Q3 25 | $4.0M | $25.6M | ||
| Q2 25 | $-56.7M | $25.2M | ||
| Q1 25 | $-57.4M | $-3.6M | ||
| Q4 24 | $-106.5M | $13.4M | ||
| Q3 24 | $-11.7M | $42.3M | ||
| Q2 24 | $-221.8M | $-7.7M | ||
| Q1 24 | $-43.3M | $3.0M |
自由现金流率BETRTREE
| Q4 25 | -4833.4% | 4.2% | ||
| Q3 25 | 143.0% | 8.3% | ||
| Q2 25 | -1719.2% | 10.1% | ||
| Q1 25 | -1424.0% | -1.5% | ||
| Q4 24 | -2584.9% | 5.1% | ||
| Q3 24 | -382.7% | 16.2% | ||
| Q2 24 | -7699.9% | -3.7% | ||
| Q1 24 | -1536.4% | 1.8% |
资本支出强度BETRTREE
| Q4 25 | 28.9% | 0.9% | ||
| Q3 25 | 8.6% | 1.1% | ||
| Q2 25 | 12.3% | 1.1% | ||
| Q1 25 | 5.0% | 1.4% | ||
| Q4 24 | 11.4% | 1.1% | ||
| Q3 24 | 38.6% | 1.1% | ||
| Q2 24 | 43.7% | 1.3% | ||
| Q1 24 | 16.8% | 1.6% |
现金转化率BETRTREE
| Q4 25 | — | 0.11× | ||
| Q3 25 | — | 2.84× | ||
| Q2 25 | — | 3.15× | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 2.16× | ||
| Q3 24 | — | — | ||
| Q2 24 | — | -0.64× | ||
| Q1 24 | — | 5.62× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
业务分部营收拆解
BETR
暂无分部数据
TREE
| Insurance Segment | $214.6M | 67% |
| Other Consumer | $39.5M | 12% |
| Home Segment | $36.2M | 11% |
| Personal Loans | $29.1M | 9% |
