Comparing Better Home & Finance (NASDAQ:BETR) and Circle Internet Group (NYSE:CRCL)

Better Home & Finance (NASDAQ:BETR) and Circle Internet Group (NYSE:CRCL) are both finance companies, but which is the better investment? We will contrast the two companies based on the strength of their profitability, earnings, dividends, analyst recommendations, risk, valuation and institutional ownership.

Analyst Recommendations

This is a breakdown of current ratings for Better Home & Finance and Circle Internet Group, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Better Home & Finance	1	1	6	0	2.62
Circle Internet Group	3	13	10	1	2.33

Better Home & Finance currently has a consensus target price of $32.50, indicating a potential upside of 109.27%. Circle Internet Group has a consensus target price of $96.82, indicating a potential upside of 35.96%. Given Better Home & Finance’s stronger consensus rating and higher probable upside, equities research analysts clearly believe Better Home & Finance is more favorable than Circle Internet Group.

Insider and Institutional Ownership

20.9% of Better Home & Finance shares are owned by institutional investors. 27.7% of Better Home & Finance shares are owned by insiders. Comparatively, 10.8% of Circle Internet Group shares are owned by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock will outperform the market over the long term.

Risk and Volatility

Better Home & Finance has a beta of 1.73, indicating that its stock price is 73% more volatile than the S&P 500. Comparatively, Circle Internet Group has a beta of 0.23, indicating that its stock price is 77% less volatile than the S&P 500.

Earnings and Valuation

This table compares Better Home & Finance and Circle Internet Group”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	$164.87 million	1.78	-$165.87 million	($11.02)	-1.41
Circle Internet Group	$2.75 billion	6.45	-$69.51 million	$1.46	48.78

Circle Internet Group has higher revenue and earnings than Better Home & Finance. Better Home & Finance is trading at a lower price-to-earnings ratio than Circle Internet Group, indicating that it is currently the more affordable of the two stocks.

Profitability

This table compares Better Home & Finance and Circle Internet Group’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Better Home & Finance	-94.52%	-510.15%	-10.03%
Circle Internet Group	15.53%	13.58%	0.58%

Summary

Circle Internet Group beats Better Home & Finance on 10 of the 15 factors compared between the two stocks.

About Better Home & Finance

Better Home & Finance Holding Co. engages in the provision of comprehensive homeownership services. It offers mortgage loans, real estate agent services, and title and homeowner’s insurance services. The company was founded in 2014 and is headquartered in New York, NY.

About Circle Internet Group

Founded in 2013, Circle’s mission is to raise global economic prosperity through the frictionless exchange of value. We intend to connect the world more deeply by building a new global economic system on the foundation of the internet, and to facilitate the creation of a world where everyone, everywhere can share value as easily as we can today share information, content, and communications. Since inception, we have relentlessly pursued our mission and vision, building fundamental technology for the internet financial system. We have forged paths toward mainstream acceptance through persistent and active engagement with policymakers and regulators globally, and have seen institutional and consumer knowledge and acceptance of internet-native financial assets approach critical mass. Large and influential players in the incumbent financial services system are increasingly embracing digital assets broadly and stablecoins specifically. Circle’s innovative products reach tens of millions of end-users, power thousands of businesses, and, as of March 31, 2025, USDC has been used for more than $25 trillion in onchain transactions. While we have made strong progress in our pursuit of our mission and vision over the past decade, we believe the internet financial system is in its infancy with decades of growth and innovation ahead. Our principal executive office is located in New York, NY.