Financial Analysis
Filing-based analysis. Market pricing is not included. Fundamentals from SEC filings; economic data from FRED and the BLS. About our data
Filing evidence summary
Caution evidenceCoverage 4/5 core metricsLatest reported annual revenue changed -12.3% from the prior reported annual observation.
Backward-looking filed evidence under visible rules - not a rating, forecast or investment advice. Missing data is never scored.
Evidence signals
- Revenue contracted
Latest reported annual revenue changed -12.3% from the prior reported annual observation.
Why this surfaced
Direction threshold: above +2% constructive; below -2% caution; otherwise monitor. This is not labeled one-year growth when filing periods have a gap. Period end 2025-12-31.
- Free cash flow was negative
Latest reported free cash flow was -$168M.
Why this surfaced
Free cash flow = operating cash flow minus capital expenditures; positive is supporting evidence, not a valuation conclusion. Period end 2025-12-31.
- 2 filing risk checks flagged
Flagged areas: Solvency & liquidity, Dilution.
Why this surfaced
The full financial analysis shows each value, threshold, and sector limitation.
Core trend metrics
Hover a tile for its exact definition; the Statements tab carries per-cell filing citations.
Where to look next
Risk checks
- Solvency & liquidity
- Dilution
Financial movement
- Cash→ flat
- Long-term debt→ flat
- Inventory→ flat
- Receivables→ flat
- Current assets→ flat
Source & freshness
- Source
- SEC EDGAR XBRL
- Fetched
- 2026-09-06
- Latest period end
- 2025-12-31
- Filings
- EDGAR ↗
Reported segment mix
figures as filed · share of the filed sum · change vs the prior period in the same filing- Other Platform International Lending Revenue$5.18M45.9%+29.7% yoy
- Other Platform Insurance Services$2.54M22.4%-26.8% yoy
- Other Platform Real Estate Services$1.9M16.8%-23.2% yoy
- Other Platform Other Revenue$1.68M14.9%-43.0% yoy
Members sum to the consolidated $11.3M for this period.
- United States$139Mshare n/a+60.2% yoy
- Outside the United States$26Mshare n/a+19.3% yoy
member sum exceeds the consolidated figure: this axis carries more than one breakdown, so shares are not computed.
- Other Platform Insurance Services$578K50.6%-14.1% yoy
- Other Platform Other Revenue$347K30.4%-29.5% yoy
- Other Platform Real Estate Services$170K14.9%-82.0% yoy
- Other Platform International Lending Revenue$47K4.1%-96.9% yoy
Change is against the same quarter a year earlier, as reported in the same 10-Q.
Source: SEC DERA Financial Statement and Notes data sets. Dimensional XBRL facts on the business-segment, product/service and geographic axes; the engine keeps the accession of every figure. Descriptive and educational, not advice.
Peer percentiles
latest fiscal year ending 2025-12-31 · among 4,122 US-listed filers · 907 in Financials| Metric | Value | vs all filers | vs sector |
|---|---|---|---|
Revenue latest fiscal-year revenue as filed | $11M | 12thof 3,301 bottom third | 14thof 541 bottom third |
Revenue growth latest fiscal-year revenue vs the prior fiscal year | -12.3% | 11thof 3,135 bottom third | 9thof 518 bottom third |
Net margin net income ÷ revenue | -1468.0% | 5thof 3,263 bottom third | 4thof 534 bottom third |
Free-cash-flow margin (operating cash flow − |capex|) ÷ revenue | -1484.8% | 4thof 2,679 bottom third | 2ndof 307 bottom third |
Return on equity net income ÷ stockholders' equity (positive equity only) | -446.1% | 2ndof 3,577 bottom third | 1stof 774 bottom third |
Stock comp ÷ revenue stock-based compensation ÷ revenue · lower is ranked higher | 180.8% | 5thof 2,895 bottom third | 4thof 422 bottom third |
Cash-flow accrual ratio (net income − operating cash flow) ÷ average total assets · lower is ranked higher | 0.1% | 18thof 3,577 bottom third | 29thof 804 bottom third |
Balance-sheet accrual ratio change in net operating assets ÷ average net operating assets · lower is ranked higher | -124.5% | 95thof 3,059 top third | 97thof 734 top third |
Each filer's latest fiscal year as stored by the nightly crawl; fiscal year ends differ across the universe. A metric ranks only filers for which it is computable from filed facts. Ties split; a rank reads "better than N% of filers" in the metric's own direction. Descriptive and educational, not a rating.
Earnings quality
latest fiscal year ending 2025-12-31 · accruals and cash conversion as filedPer fiscal year from filed facts: cash conversion = operating cash flow / net income (net income > 0); cash-flow accrual ratio = (net income - operating cash flow) / average total assets; balance-sheet accrual ratio = change in net operating assets / average net operating assets, NOA = (assets - cash) - (liabilities - debt). Descriptive; a missing input yields a missing ratio. High accrual ratios and cash conversion well below one are the measures the accruals literature associates with less persistent earnings; they are screens to read the cash-flow statement with, not conclusions. The per-year series is part of Pro risk analysis.
Point-in-time ledger
first-reported vs latest filing · periods since 2020-01-01 · 60 changed periods, 27 largest shown| Line item | Period | First reported | Latest filing | Change | Filings |
|---|---|---|---|---|---|
| Cash CashAndCashEquivalentsAtCarryingValue | balance at 2022-12-31 | $285K 10-K 2023-04-17 | $318M 10-K 2024-04-08 | +111344.5% | first · latest · 5 filings carry it |
| Operating cash flow NetCashProvidedByUsedInOperatingActivities | fiscal year 2022-12-31 | -$1.15M 10-K 2023-04-17 | $938M 10-K 2024-04-08 | +81514.4% | first · latest |
| Stockholders' equity StockholdersEquity | balance at 2023-06-30 | $923K 10-Q 2023-08-04 | -$726M 10-Q 2024-11-14 | -78822.5% | first · latest · 5 filings carry it |
| Net income NetIncomeLoss | quarter 2023-03-31 | -$128K 10-Q 2023-05-12 | -$87.6M 10-Q 2024-05-15 | -68378.8% | first · latest · 4 filings carry it |
| Stockholders' equity StockholdersEquity | balance at 2023-03-31 | $1.77M 10-Q 2023-05-12 | -$687M 10-Q 2024-05-15 | -38829.7% | first · latest · 4 filings carry it |
| Net income NetIncomeLoss | quarter 2022-09-30 | -$966K 10-Q 2022-11-14 | -$227M 10-Q 2023-11-14 | -23367.7% | first · latest · 3 filings carry it |
| Cash CashAndCashEquivalentsAtCarryingValue | balance at 2023-03-31 | $992K 10-Q 2023-05-12 | $225M 10-Q 2024-05-15 | +22627.9% | first · latest |
| Net income NetIncomeLoss | fiscal year 2022-12-31 | $8.74M 10-K 2023-04-17 | -$877M 10-K 2024-04-08 | -10140.3% | first · latest |
| Operating income OperatingIncomeLoss | fiscal year 2022-12-31 | -$8.58M 10-K 2023-04-17 | -$859M 10-K 2024-04-08 | -9913.6% | first · latest |
| Cash CashAndCashEquivalentsAtCarryingValue | balance at 2023-06-30 | $1.23M 10-Q 2023-08-04 | $110M 10-Q 2024-08-14 | +8845.1% | first · latest |
| Cash CashAndCashEquivalentsAtCarryingValue | balance at 2022-09-30 | $4.66M 10-Q 2022-11-14 | $398M 10-Q 2023-11-14 | +8449.2% | first · latest · 3 filings carry it |
| Total liabilities Liabilities | balance at 2022-12-31 | $15.5M 10-K 2023-04-17 | $1.25B 10-K 2024-04-08 | +7974.2% | first · latest · 5 filings carry it |
| Total liabilities Liabilities | balance at 2023-03-31 | $18.2M 10-Q 2023-05-12 | $1.33B 10-K 2024-04-08 | +7189.9% | first · latest |
| Total liabilities Liabilities | balance at 2023-06-30 | $20.7M 10-Q 2023-08-04 | $1.22B 10-K 2024-04-08 | +5757.7% | first · latest |
| Operating cash flow NetCashProvidedByUsedInOperatingActivities | quarter 2023-03-31 | $3.11M 10-Q 2023-05-12 | -$163M 10-Q 2024-05-15 | -5339.7% | first · latest · 3 filings carry it |
| Net income NetIncomeLoss | quarter 2023-06-30 | -$831K 10-Q 2023-08-04 | -$44M 10-Q 2024-08-14 | -5195.2% | first · latest |
| Operating income OperatingIncomeLoss | quarter 2022-09-30 | -$3.41M 10-Q 2022-11-14 | -$177M 10-Q 2023-11-14 | -5099.9% | first · latest · 3 filings carry it |
| Total assets Assets | balance at 2023-03-31 | $22.2M 10-Q 2023-05-12 | $1.08B 10-K 2024-04-08 | +4758.5% | first · latest |
| Operating income OperatingIncomeLoss | quarter 2023-03-31 | -$1.83M 10-Q 2023-05-12 | -$84.7M 10-K 2024-04-08 | -4524.5% | first · latest |
| Total assets Assets | balance at 2023-06-30 | $23.9M 10-Q 2023-08-04 | $925M 10-K 2024-04-08 | +3776.2% | first · latest |
| Stockholders' equity StockholdersEquity | balance at 2021-12-31 | $7.21M 10-K 2022-03-25 | $243M 10-K 2024-04-08 | +3266.1% | first · latest · 13 filings carry it |
| Stockholders' equity StockholdersEquity | balance at 2022-12-31 | $20.6M 10-K 2023-04-17 | -$604M 10-Q 2024-11-14 | -3036.0% | first · latest · 6 filings carry it |
| Stockholders' equity StockholdersEquity | balance at 2022-09-30 | $15.9M 10-Q 2022-11-14 | -$355M 10-Q 2023-11-14 | -2335.6% | first · latest · 3 filings carry it |
| Basic shares WeightedAverageNumberOfSharesOutstandingBasic | fiscal year 2022-12-31 | 24,300,287 shares 10-K 2023-04-17 | 291,302,441 shares 10-K 2024-04-08 | +1098.8% | first · latest |
| Stockholders' equity StockholdersEquity | balance at 2022-06-30 | $18.3M 10-Q 2022-08-15 | -$139M 10-Q 2023-11-14 | -859.7% | first · latest · 6 filings carry it |
| Total assets Assets | balance at 2022-12-31 | $283M 10-K 2023-04-17 | $1.08B 10-K 2024-04-08 | +283.2% | first · latest · 5 filings carry it |
| Share repurchases PaymentsForRepurchaseOfCommonStock | quarter 2023-03-31 | $263M 10-Q 2023-05-12 | $104K 10-Q 2024-05-15 | -100.0% | first · latest |
3 share-count periods re-presented for a stock split (1-for-50) are listed apart from restatements and not counted above.
First filing reporting each period vs the latest filing carrying it (10-K and 10-Q only, periods since 2020, the extractor's winning tag per concept); a change under 0.5% is treated as rounding. A change can be a restatement, a reclassification or a re-tagging in a later comparative column; the two filings are linked so the reader can see which. Descriptive, not a verdict.
Notes by disclosure type
Not available for BETR yet: no footnote text blocks on file for this filer in the ingested DERA files.
Fundamentals from SEC EDGAR. Scores, the DCF, and every model shown are educational analysis, not investment advice or price predictions.