Better Home & Finance Holding vs Consumer Portfolio Services
Consumer Portfolio Services is the larger business, with $434m of revenue in fiscal 2025 against $165m for Better Home & Finance Holding (2.6 times as much). Better Home & Finance Holding grew faster (52.0% against 10.4%). Consumer Portfolio Services kept more of each dollar of sales as profit: a net margin of 4.4% against -100.6%.
| Latest fiscal year | Better Home & Finance HoldingBETR, 2025 | Consumer Portfolio ServicesCPSS, 2025 |
|---|---|---|
| Revenue | $165m | $434m |
| Revenue growth | 52.0% | 10.4% |
| Net income | −$166m | $19.3m |
| Operating margin | — | — |
| Net margin | -100.6% | 4.4% |
| Return on equity | — | 12.5% |
| Free cash flow | −$168m | $288m |
| Cash | $79.4m | $6.3m |
| Total debt | $0 | $3.31bn |
| Debt to equity | — | 1069.6% |
| Dividend per share | — | — |
| Dividend yield | — | — |
| Share buybacks | — | $8.7m |
| Employees | 1,329 | 928 |
| Market value | $359m | $217m |
| Price vs our value range | — | — |
| Moat score | — | 44 (Weak) |
| Insider trades, 12 months | 37 buys, 27 sales | 0 buys, 8 sales |