BETR Income Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Interest and Dividend Income	52.55	38.99	29.03	26.71	89.63	26.7
Total Interest Expense	35.71	21.49	31.6	303.18	100.97	76.16
Net Interest Income	16.84	17.5	-2.57	-276.46	-11.35	-49.46
Gain (Loss) on Sale of Loans & Receivables	114.48	78.1	58.8	-	-	-
Other Revenue	14.23	12.89	16.11	368.37	1,222	874.07
Revenue Before Loan Losses	145.55	108.49	72.34	91.91	1,211	824.61
Provision for Loan Losses	-	-	-	105.6	-	-
Revenue	145.55	108.49	72.34	-13.7	1,211	824.61
Revenue Growth (YoY)	43.79%	49.97%	-	-	46.81%	832.34%
Salaries & Employee Benefits	158.1	139.81	178.77	25.19	39.89	16.52
Cost of Services Provided	122.49	121.29	128.58	677.72	1,287	582.82
Other Operating Expenses	8.78	0.82	232.31	56.66	96.33	23.98
Total Operating Expenses	308.18	295.14	582.54	760.31	1,425	623.36
Operating Income	-162.64	-186.65	-510.2	-774.01	-214.17	201.25
EBT Excluding Unusual Items	-162.64	-186.65	-510.2	-735.1	-286.46	214.36
Restructuring Charges	-7.35	-6.19	-21.89	-102.59	-17.05	-
Impairment of Goodwill	-7.75	-7.27	-	-	-	-
Pretax Income	-184.41	-205.44	-534.42	-875.98	-303.51	214.36
Income Tax Expense	0.76	0.85	2	1.1	-2.38	42.3
Net Income	-185.18	-206.29	-536.42	-877.08	-301.13	172.06
Preferred Dividends & Other Adjustments	-	-	-	-	-	97.22
Net Income to Common	-185.18	-206.29	-536.42	-877.08	-301.13	74.83
Shares Outstanding (Basic)	15	15	9	6	2	1
Shares Outstanding (Diluted)	15	15	9	6	2	2
Shares Change (YoY)	0.75%	63.66%	58.49%	234.89%	-27.29%	71.14%
EPS (Basic)	-12.18	-13.65	-58.09	-150.54	-173.09	51.17
EPS (Diluted)	-12.18	-13.65	-58.09	-150.54	-173.09	43.23
Free Cash Flow	-216.65	-383.36	-160.18	926.52	345.49	-1,791
Free Cash Flow Per Share	-14.25	-25.37	-17.35	159.03	198.59	-748.39
Operating Margin	-111.74%	-172.05%	-705.29%	-	-17.69%	24.41%
Profit Margin	-127.23%	-190.15%	-741.53%	-	-24.87%	9.07%
Free Cash Flow Margin	-148.86%	-353.37%	-221.42%	-	28.54%	-217.16%
Effective Tax Rate	-	-	-	-	-	19.73%
Revenue as Reported	-	-	-	-	1,242	875.58

Updated Nov 13, 2025. Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.

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