Better Home & Finance (NASDAQ:BETR – Get Free Report) and Janover (NASDAQ:JNVR – Get Free Report) are both small-cap finance companies, but which is the better investment? We will contrast the two businesses based on the strength of their risk, analyst recommendations, profitability, valuation, institutional ownership, earnings and dividends.
Insider & Institutional Ownership
20.9% of Better Home & Finance shares are held by institutional investors. Comparatively, 0.5% of Janover shares are held by institutional investors. 29.5% of Better Home & Finance shares are held by insiders. Comparatively, 59.4% of Janover shares are held by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company is poised for long-term growth.
Analyst Ratings
This is a summary of recent ratings for Better Home & Finance and Janover, as provided by MarketBeat.com.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Better Home & Finance | 0 | 0 | 0 | 0 | N/A |
| Janover | 0 | 0 | 0 | 0 | N/A |
Profitability
This table compares Better Home & Finance and Janover’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Better Home & Finance | N/A | -387.77% | -58.01% |
| Janover | -168.45% | -74.47% | -64.25% |
Earnings and Valuation
This table compares Better Home & Finance and Janover’s top-line revenue, earnings per share and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Better Home & Finance | $76.82 million | 4.23 | -$536.42 million | -0.58 | -0.74 |
| Janover | $2.00 million | 5.92 | -$3.37 million | ($0.38) | -2.82 |
Janover has lower revenue, but higher earnings than Better Home & Finance. Janover is trading at a lower price-to-earnings ratio than Better Home & Finance, indicating that it is currently the more affordable of the two stocks.
About Better Home & Finance
Better Home & Finance Holding Company operates as a homeownership company in the United States. The company provides GSE-conforming, FHA-insured, VA-guaranteed, and jumbo loans to GSEs, banks, insurance companies, asset managers, and mortgage REITs. It also offers real estate agent services, title insurance and settlement services, and homeowners insurance services. The company formerly known as Better Mortgage Corporation and changed its name to Better Home & Finance Holding Company in August 2023. Better Home & Finance Holding Company is headquartered in New York, New York.
About Janover
Janover Inc. engages in the provision of commercial property financing solutions. It operates an online platform that connects commercial mortgage borrowers, including owners, operators, and developers of commercial real estate, looking for capital to refinance, build, or purchase commercial properties, including apartment buildings with commercial property lenders, such as banks, credit unions, REITs, debt funds, multifamily lenders, and others looking to deploy capital into commercial mortgages. The company was formerly known as Janover Ventures LLC and changed its name to Janover Inc. in March 2021. Janover Inc. was founded in 2018 and is headquartered in Boca Raton, Florida.
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