Financial Analysis: Better Home & Finance (NASDAQ:BETR) & Janover (NASDAQ:JNVR)

Better Home & Finance (NASDAQ:BETR) and Janover (NASDAQ:JNVR) are both small-cap finance companies, but which is the better stock? We will contrast the two companies based on the strength of their dividends, risk, earnings, analyst recommendations, valuation, institutional ownership and profitability.

Analyst Recommendations

This is a breakdown of recent recommendations and price targets 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

Valuation and Earnings

This table compares Better Home & Finance and Janover’s top-line revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Better Home & Finance	$88.50 million	3.57	-$536.42 million	-0.58	-0.72
Janover	$2.00 million	5.81	-$3.37 million	($0.38)	-2.76

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.

Institutional and Insider Ownership

20.9% of Better Home & Finance shares are held by institutional investors. Comparatively, 0.5% of Janover shares are held by institutional investors. 57.4% 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 endowments, hedge funds and large money managers believe a stock will outperform the market over the long term.

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%

About Better Home & Finance

Better Home & Finance Holding Company operates as a homeownership company in the United States. The company provides government-sponsored enterprise (GSE) conforming loans, U.S. Federal Housing Administration insured loans, U.S. Department of Veterans Affairs guaranteed loans, and jumbo loans to GSEs, banks, insurance companies, asset managers, and mortgage real estate investment trusts. 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.