BETR Income Statement

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Net Interest Income	17.43	17.5	-2.57	19.31	39.4
Net Interest Income Growth	-0.44%	-	-	-50.98%	-
Non-Interest Income	147.45	90.99	74.91	368.37	1,222
Non-Interest Income Growth	62.06%	21.47%	-79.67%	-69.86%	-
Revenues Before Loan Losses	164.87	108.49	72.34	378.02	1,242
Revenue	164.87	108.49	72.34	378.02	1,242
Revenue Growth (YoY)	51.97%	49.97%	-80.86%	-69.56%	-
Compensation Expenses	174.23	141.09	181.74	-	-
Selling, General & Admin	83.68	86.21	79.67	254.88	480.12
Other Non-Interest Expenses	72.79	86.63	345.35	982.06	1,001
Total Non-Interest Expense	330.69	313.93	606.76	1,237	1,481
Pretax Income	-165.82	-205.44	-534.42	-875.98	-303.51
Provision for Income Taxes	0.05	0.85	2	1.1	-2.38
Net Income	-165.87	-206.29	-536.42	-877.08	-301.13
Net Income to Common	-165.87	-206.29	-536.42	-877.08	-301.13
Shares Outstanding (Basic)	15	15	9	6	2
Shares Outstanding (Diluted)	15	15	9	6	2
Shares Change (YoY)	1.63%	63.66%	58.49%	234.89%	-27.29%
EPS (Basic)	-10.80	-13.65	-58.09	-150.50	-173.00
EPS (Diluted)	-10.80	-13.65	-58.09	-150.50	-173.00
Free Cash Flow	-167.77	-383.36	-160.18	926.52	345.49
Free Cash Flow Growth	-	-	-	168.17%	-
Free Cash Flow Per Share	-10.92	-25.37	-17.35	159.03	198.59
Profit Margin	-100.46%	-176.70%	-723.30%	-254.59%	-24.45%
FCF Margin	-101.61%	-328.38%	-215.98%	268.94%	28.05%
EBITDA	14.07	33.23	42.89	49.42	27.22
EBITDA Margin	8.52%	28.46%	57.83%	14.35%	2.21%
Effective Tax Rate	-0.03%	-0.41%	-0.37%	-0.13%	0.79%

Updated Mar 13, 2026. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q