Better Home & Finance Holding (BETR)
Nasdaq Market Closed
Better Home & Finance Holding Company is a technology-driven homeownership business best known for its digital mortgage platform. The company aims to simplify the process of buying or refinancing a home by moving key parts of mortgage origination, pricing, documentation and customer service online. Its platform supports residential purchase loans, refinancing and home equity products, giving consumers a more direct digital route into one of the largest areas of household finance.
The company’s main business is Home Finance, which generates revenue primarily through the origination and sale of mortgage loans. This segment is tied closely to housing market activity, mortgage rates, consumer demand and the availability of credit. Better also provides related services that sit around the homebuying process, reflecting its broader strategy of building a digital homeownership ecosystem rather than operating only as a traditional lender.
Better Home & Finance also has a Banking segment through Birmingham Bank in the United Kingdom. That subsidiary offers financial products and services to consumers and small businesses, adding a regulated banking component to the group’s operations. Even so, the company receives most of its revenue from its U.S.-focused home finance activities.
Better competes in a mortgage market that includes banks, non-bank lenders, brokers and other fintech platforms. Its distinguishing feature is its emphasis on automation, online customer acquisition and a streamlined borrower experience. For investors, the stock represents exposure to digital mortgage origination, housing finance and the broader shift toward technology-led consumer financial services.
Last updated
- Market Cap
- $443,440,841
- P/E
- —
- P/FCF
- —
- P/S
- 9.18
- Enterprise Value
- $1,085,558,841
- Sector
- Financials
- Industry
- Loan Brokers
- Address
- 1 WORLD TRADE CENTER, 285 FULTON ST, NEW YORK, NY
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- Market Cap
Market cap is the total value of a company's shares, calculated by multiplying the stock price by the number of shares outstanding.
- $443,440,841
- Enterprise Value
Enterprise value is the total value of a company, including its market cap, debt, and cash.
- $1,085,558,841
- P/E
P/E ratio compares a company's share price to its earnings per share.
- —
- P/B
P/B ratio compares a company's share price to its book value per share.
- 51.85
- P/S
P/S ratio compares a company's share price to its revenue per share.
- 9.18
- EV / EBITDA
EV/EBITDA measures a company's value compared to its earnings before interest, taxes, depreciation, and amortization.
- -5.68
- EV / Sales
EV/Sales measures a company's value compared to its total revenue.
- 22.47
- EPS
- -7.72
- Dividend Yield
Dividend yield shows how much a company pays in dividends each year compared to its share price.
- 0%
- P/FCF
Price-to-free-cash-flow ratio compares a company's share price to the cash it generates after expenses and investments.
- —
- P/CF
P/CF ratio compares a company's share price to the cash flow it generates from its operations.
- —
- Free Cash Flow
Free cash flow is the cash a company has left after covering operating costs and capital expenses.
- -$237,530,000
- ROE
ROE measures how effectively a company uses shareholders' equity to generate profit.
- -1,703.57%
- ROA
ROA measures how effectively a company uses its assets to generate profit.
- -9.29%
- Debt / Equity
Debt-to-equity ratio compares a company's total debt to its shareholders' equity.
- 82.59
- Current Ratio
Current ratio measures a company's ability to pay short-term debts using its short-term assets.
- 0.09
- Quick Ratio
Quick ratio measures a company's ability to pay short-term debts using cash and other easily available assets.
- 0.09
- Cash
Cash ratio measures a company's ability to cover short-term debts using only cash and cash equivalents.
- 0.05
- Avg Volume
Average volume shows the average number of shares traded over the last 30 trading days, helping indicate liquidity.
- $284,615
- Fundamentals Snapshot Price
Fundamentals snapshot price is the stock price used when calculating the company's financial ratios and metrics.
- 23.5
Income Statement
| Line Item | 2025 Q4 | 2024 Q4 | 2023 Q4 | 2022 Q4 | 2021 Q4 |
|---|---|---|---|---|---|
| Revenue | 11.3M | 12.89M | 16.11M | 368.37M | — |
| Cost of revenue | 0 | 0 | 0 | 611.27M | 0 |
| Gross profit | 11.3M | 12.89M | 16.11M | -242.9M | — |
| Operating income | -319.39M | -301.04M | -590.65M | -868.58M | -8.12M |
| EBITDA | -305.32M | -267.81M | -547.76M | -572.67M | -8.12M |
| Net income | -165.87M | -206.29M | -536.42M | -877.08M | -6.53M |
| Income taxes | 53K | 850K | 2M | 1.1M | — |
| Interest expense | -42.84M | -21.49M | -31.6M | -303.18M | — |
| Other operating expenses | 30.84M | 27.29M | 263.03M | 246.49M | 8.12M |
| Total operating expenses | 330.69M | 313.93M | 606.76M | 625.68M | 8.12M |
| Basic EPS | -10.8 | -13.65 | -58.09 | -150.5 | -11 |
| Diluted EPS | -10.8 | -13.65 | -58.09 | -150.5 | -11 |
Balance Sheet
| Line Item | 2025 Q4 | 2024 Q4 | 2023 Q4 | 2022 Q4 | 2021 Q4 |
|---|---|---|---|---|---|
| Total assets | 1.51B | 913.06M | 905.55M | 1.08B | 279.09M |
| Total liabilities | 1.47B | 971.23M | 782.95M | 1.25B | 28.94M |
| Total equity | 37.18M | -58.17M | 122.6M | -604.18M | 7.15M |
| Cash & equivalents | 79.36M | 211.1M | 503.59M | 317.96M | 37.65K |
| Current assets | 130.11M | 423.2M | 603.97M | 640.76M | 1.07M |
| Current liabilities | 1.26B | 431.9M | 242.47M | 292M | 7.09M |
| Accounts payable | 58.99M | 48.13M | 66.56M | 82.44M | 5.68M |
| Receivables | 10.72M | 111.48M | 4.79M | 16.58M | 502.96K |
| Goodwill | 11M | 23.62M | 32.39M | 17.39M | — |
| Long-term debt | 198.8M | 519.75M | 514.64M | 894.4M | — |
Cash Flow
| Line Item | 2025 Q4 | 2024 Q4 | 2023 Q4 | 2022 Q4 | 2021 Q4 |
|---|---|---|---|---|---|
| Operating cash flow | -166.58M | -379.97M | -159.72M | 938.25M | -3.24M |
| Investing cash flow | -661.51M | -143.81M | -38.59M | -34.58M | -278M |
| Financing cash flow | 714.34M | 239.13M | 381.4M | -1.54B | 281.28M |
| Change in cash | -121.25M | -284.87M | 182M | -632.81M | 37.65K |
| Net income | -165.87M | -206.29M | -536.42M | -877.08M | -6.53M |
| Kind | Filing | Date | Link |
|---|---|---|---|
| edgar index | 8-K — Better Home & Finance Holding Co | View Filing | |
| eight k text | 8-K — 8-K | View Filing | |
| edgar index | 8-K — Better Home & Finance Holding Co | View Filing | |
| eight k text | 8-K — 8-K | View Filing | |
| edgar index | SCHEDULE 13G — Better Home & Finance Holding Co | View Filing | |
| edgar index | 4 — Better Home & Finance Holding Co | View Filing | |
| edgar index | 4 — Better Home & Finance Holding Co | View Filing | |
| edgar index | 4 — Better Home & Finance Holding Co | View Filing | |
| edgar index | 4 — Better Home & Finance Holding Co | View Filing | |
| edgar index | 4 — Better Home & Finance Holding Co | View Filing | |
| edgar index | 4 — Better Home & Finance Holding Co | View Filing | |
| edgar index | 4 — Better Home & Finance Holding Co | View Filing | |
| form 4 | Form 4 — FRATER HUGH R | View Filing | |
| form 4 | Form 4 — Barse David Michael | View Filing | |
| form 4 | Form 4 — Talwar Harit | View Filing | |
| form 4 | Form 4 — MENON BHASKAR | View Filing | |
| form 4 | Form 4 — Farello Michael J. | View Filing | |
| form 4 | Form 4 — Narasimhan Prabhu | View Filing | |
| form 4 | Form 4 — Massenet Arnaud | View Filing | |
| edgar index | 4 — Better Home & Finance Holding Co | View Filing | |
| form 4 | Form 4 — Advani Loveen | View Filing | |
| form 4 | Form 4 — Advani Loveen | View Filing | |
| form 4 | Form 4 — Advani Loveen | View Filing | |
| form 4 | Form 4 — Advani Loveen | View Filing | |
| form 4 | Form 4 — Advani Loveen | View Filing | |
| form 4 | Form 4 — Advani Loveen | View Filing | |
| edgar index | SCHEDULE 13D/A — Better Home & Finance Holding Co | View Filing | |
| edgar index | S-8 — Better Home & Finance Holding Co | View Filing | |
| edgar index | 8-K — Better Home & Finance Holding Co | View Filing | |
| eight k text | 8-K — 8-K | View Filing | |
| edgar index | 4 — Better Home & Finance Holding Co | View Filing | |
| edgar index | 4 — Better Home & Finance Holding Co | View Filing | |
| edgar index | 4 — Better Home & Finance Holding Co | View Filing | |
| edgar index | 4 — Better Home & Finance Holding Co | View Filing | |
| edgar index | 4 — Better Home & Finance Holding Co | View Filing | |
| edgar index | 4 — Better Home & Finance Holding Co | View Filing | |
| edgar index | 4 — Better Home & Finance Holding Co | View Filing | |
| form 4 | Form 4 — FRATER HUGH R | View Filing | |
| form 4 | Form 4 — FRATER HUGH R | View Filing | |
| form 4 | Form 4 — FRATER HUGH R | View Filing | |
| form 4 | Form 4 — Barse David Michael | View Filing | |
| form 4 | Form 4 — Barse David Michael | View Filing | |
| form 4 | Form 4 — Talwar Harit | View Filing | |
| form 4 | Form 4 — Talwar Harit | View Filing | |
| form 4 | Form 4 — MENON BHASKAR | View Filing | |
| form 4 | Form 4 — MENON BHASKAR | View Filing | |
| form 4 | Form 4 — Farello Michael J. | View Filing | |
| form 4 | Form 4 — Farello Michael J. | View Filing | |
| form 4 | Form 4 — Narasimhan Prabhu | View Filing | |
| form 4 | Form 4 — Narasimhan Prabhu | View Filing | |
| form 4 | Form 4 — Massenet Arnaud | View Filing | |
| form 4 | Form 4 — Massenet Arnaud | View Filing | |
| edgar index | SCHEDULE 13D/A — Better Home & Finance Holding Co | View Filing | |
| edgar index | 4 — Better Home & Finance Holding Co | View Filing | |
| form 4 | Form 4 — Talwar Harit | View Filing | |
| edgar index | 4 — Better Home & Finance Holding Co | View Filing | |
| form 4 | Form 4 — Garg Vishal | View Filing | |
| edgar index | 4 — Better Home & Finance Holding Co | View Filing | |
| form 4 | Form 4 — Garg Vishal | View Filing | |
| form 4 | Form 4 — Garg Vishal | View Filing | |
| edgar index | SCHEDULE 13D/A — Better Home & Finance Holding Co | View Filing | |
| edgar index | 4 — Better Home & Finance Holding Co | View Filing | |
| form 4 | Form 4 — Garg Vishal | View Filing | |
| form 4 | Form 4 — Garg Vishal | View Filing | |
| form 4 | Form 4 — Garg Vishal | View Filing | |
| form 4 | Form 4 — Garg Vishal | View Filing | |
| form 4 | Form 4 — Garg Vishal | View Filing | |
| edgar index | SCHEDULE 13G/A — Better Home & Finance Holding Co | View Filing | |
| edgar index | 4 — Better Home & Finance Holding Co | View Filing | |
| form 4 | Form 4 — Advani Loveen | View Filing | |
| edgar index | 4 — Better Home & Finance Holding Co | View Filing | |
| edgar index | 10-Q — Better Home & Finance Holding Co | View Filing | |
| form 4 | Form 4 — Advani Loveen | View Filing | |
| edgar index | 144 — Better Home & Finance Holding Co | View Filing | |
| edgar index | 4 — Better Home & Finance Holding Co | View Filing |