Better Home & Finance Holding Company
BETR · Price history
Price at last available close
$20.80
+$10.72 (+106.35%) 1M
2026-10-27
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Company & revenue
About Better Home & Finance Holding Company
Primary reporting period: 2025-12-31 · Research updated Oct 12, 2026. A research update is not a new financial filing.
Who they are
Better Home & Finance Holding Company operates as a U. S. -based enterprise dedicated to various facets of homeownership.
How they make money
Better Home & Finance operates as an AI-native mortgage and home equity finance platform. The company generates revenue primarily through the origination and sale of residential mortgage loans, including first-lien mortgages and home equity products, while also providing ancillary services such as real estate brokerage and insurance products through its Tinman AI platform.
Products & services
Residential mortgage loans (purchase and refinance), home equity lines of credit (HELOCs), closed-end second-lien loans, real estate brokerage services, and home, auto, and life insurance products.
Brands & revenue mix
Core mortgage lending brand.
Separate brand revenue is not available in this research.Source
Real estate brokerage services brand.
Separate brand revenue is not available in this research.Source
Insurance services brand.
Separate brand revenue is not available in this research.Source
Revenue share is not unit sales or a best-seller ranking. Parent brands and included sub-brands can overlap; do not add overlapping rows.
Product / operating segments
No reconciled product or operating-segment revenue breakdown is available for the current research period. Company-wide revenue remains separate from segment disclosure.
Geographic revenue
No reconciled geographic revenue breakdown was confirmed for the current research period.
Customer concentration
No quantified customer-concentration disclosure is available in the current saved research.
Suppliers, materials & equipment
No supplier relationships were confirmed in the sources reviewed. This does not mean the company has no suppliers.
Sources
Financial risk observations and what to check
These are saved observations about business performance, not predictions. Review the company filings alongside the interpretation below. Latest stored financial period end: 2026-06-30.
Total debt is at least one year of revenue
Debt is large relative to the company's recent revenue base. Review maturity dates, borrowing terms and whether available liquidity can support the obligation.
Interest coverage is below 2x
Reported earnings provide limited coverage of interest expense. Review the underlying interest and operating-income figures because weak coverage can increase refinancing and liquidity risk.
Free cash flow is negative
The latest reported period did not generate positive free cash flow. Check whether the cash use reflects development investment, working capital or continuing operating losses.
Cash covers less than 20% of total debt
Cash on hand is small relative to reported debt. Compare unrestricted cash, debt maturities and expected financing needs rather than treating the ratio alone as a default prediction.
Diluted weighted-average shares increased 22.8% year over year.
Compare per-share results with total earnings and inspect the equity footnote. A change in weighted-average shares does not by itself establish the cause, the number of shares issued today, or the economic effect of a split.
Wall Street Score
Overall investment score · Quality, value, risk and opportunity
24
Poor
View category scores →
Company Quality
How good is the actual business—regardless of today’s stock price?
29
Poor
Financial Strength
23
Business Quality / Moat
50
Management
0
Growth Quality
64
Risk / Durability
4
Uses financial strength, moat, management, growth quality and durability. It excludes share price, P/E, market cap, intrinsic value and margin of safety.
Opportunity
Opportunity Score · How does the current price compare with estimated value?
34
Avoid
Based on current valuation, company quality, recent trends, and available market signals.
View score details →
Model Outlook
12-month model · What does the model think happens next?
48/100
Building Historical Record
Model Score 48/100 — estimates relative performance potential, distinct from the overall Wall Street Score and the separate Company Quality score.
Probability unavailable — the model has not produced a calibrated probability yet.
Click for full breakdown →
WSS View
The quick read
The overall Wall Street Score is low across its combined quality, valuation and risk inputs. This can reflect an expensive share price, business weaknesses, or both; check Company Quality and the category breakdown before drawing a conclusion.
At today’s price, the WSS valuation framework currently reads as less attractive based on the available valuation and market data.
The model outlook is currently cautious.
- •Asset quality scores strongly
- •High debt risk
- •Valuation is a weaker part of the current profile
- •Revenue fundamentals are weak
- •Debt / balance-sheet profile needs attention
Company-specific research
Questions worth answering for BETR
These questions are generated from this company's current financial and score data so the page adds context instead of treating the headline score as a stand-alone conclusion.
- •Can BETR maintain its current revenue growth rate and improve the amount of that revenue that turns into earnings and cash?
- •How long can BETR fund negative free cash flow using its current cash position before it may need more debt or new shares?
- •Is BETR's debt load manageable relative to cash generation, interest costs and upcoming maturities?
- •What specifically needs to improve for BETR to reach sustainable profitability?
- •What future growth or profitability would be needed to justify BETR's current valuation?
Essential Investment Snapshot
Wall Street Score
24
Opportunity Score
34
Market Cap
$275.7M
P/E Ratio
-1.0
EPS
$-11.02
52-Week High
$92.69
52-Week Low
$9.81
Beta
1.70
Analyst Target
$25.00
Shares Outstanding
15.3M
Total Revenue
$211.6M
Total Debt
$657.7M
Dividend
No current dividend
Liquidation Value / Share
$3.78
Momentum & Volatility Signals
Two different market-behavior signals. Momentum measures direction and trend strength. Volatility measures how large and unstable the price moves are, regardless of direction.
Strong upward momentum
Extreme movement
A high momentum score means price has been trending upward with confirming short- and medium-term strength. A low score means downward or weakening momentum.
A high volatility score means larger, less stable price swings. It can happen while a stock is rising or falling, so high volatility is not automatically bullish or bearish.
Important: the volatility score above is based on realized price volatility. Implied volatility (IV) comes from options prices and represents the market's expected future movement. Wall Street Score will keep IV separate and will only display it when a verified options-chain feed is available.
Notices for BETR
Detected from reported data — verify before acting.High debt risk
Total debt is at least one year of revenue • Interest coverage is below 2x • Free cash flow is negative • Cash covers less than 20% of total debt
Community Sentiment
0 active · 0 total callsNo personal call yet on BETR.
Potential upside factors
- +Growth opportunities may come from revenue expansion, margin improvement, new products, market-share gains, and stronger cash flow.
- +Tinman AI technology platform.
- +Full digital mortgage origination capability.
Potential downside factors
- −Debt risk (high): Total debt is at least one year of revenue.
- −Interest coverage is below 2x.
- −Free cash flow is negative.
- −Cash covers less than 20% of total debt.
These research factors come from saved company research and financial data, not community votes. They are starting points to verify against filings, not buy or sell recommendations.
Create a free account to make a call.
Scores
Click any score for full breakdownWas this stock page easy to understand?
One click helps us improve the research experience. This is not tied to an investment decision.
Score Changes
5 historical score records availablePrevious Score
24
Sep 9, 2026
Change
+0.4
points
Current Score
24
Oct 1, 2026
Category Changes
BETR increased 0.4 points because Revenue improved by 2.4 points, Capital improved by 2 points.
Positive Contributors
- + Revenue improved by 2.4 points
- + Capital improved by 2 points
Projected Score
Projected Score
27
Projected Change
+2.4 points
Preliminary comparable-period financial changes suggest improvement of approximately 2.4 points. This is a projected estimate, not the official WallStreetScore.
Price vs. Value
Valuation unavailableCurrent Price
$20.80
Model Intrinsic Value
—
Difference
—
Margin of Safety
—
Intrinsic value is not currently available for this stock, so valuation can't be calculated.
Financial Charts
Revenue
Additional Metrics
Operating Cash Flow
Total Debt
Total Assets
Net Margin %
Large reported revenue change: +59.4%
Revenue changed sharply from 2024 to 2025. This can reflect a real business change, acquisition, divestiture, discontinued operations, restatement, or reporting-basis change. Compare the underlying filing before treating it as normal growth or decline.
TTM may combine quarters from before and after the event, so its trend can also be distorted.
Free includes 3 annual periods plus available TTM; Premium includes up to 10 annual periods. History depends on available company filings. Swipe the table horizontally to see older periods. A dash means unavailable, not zero.
| Line Item | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | $219.4M | $191.4M | $120.1M | $88.5M | ···· | ···· | ···· | ···· | ···· |
| Cost of Revenue | -$31.3M | $42.6M | $162.6M | $149.8M | ···· | ···· | ···· | ···· | ···· |
| Gross Profit | $250.7M | $148.7M | -$42.5M | -$61.3M | ···· | ···· | ···· | ···· | ···· |
| Research & Development | $0.00 | $0.00 | $0.00 | $83.8M | ···· | ···· | ···· | ···· | ···· |
| SG&A Expenses | $58.9M | $83.7M | $86.2M | $114.9M | ···· | ···· | ···· | ···· | ···· |
| Operating Expenses | $367.6M | $271.7M | $145.5M | $230.0M | ···· | ···· | ···· | ···· | ···· |
| EBITDA | -$104.5M | -$108.9M | -$154.8M | -$459.9M | ···· | ···· | ···· | ···· | ···· |
| Operating Income | -$116.9M | -$123.0M | -$188.0M | -$291.3M | ···· | ···· | ···· | ···· | ···· |
| Interest Expense | $44.7M | $42.8M | $0.00 | $31.6M | ···· | ···· | ···· | ···· | ···· |
| Income Before Tax | -$161.5M | -$165.8M | -$205.4M | -$534.4M | ···· | ···· | ···· | ···· | ···· |
| Income Tax Expense | -$1.7M | $53K | $850K | $2.0M | ···· | ···· | ···· | ···· | ···· |
| Net Income | -$179.9M | -$165.9M | -$206.3M | -$536.4M | ···· | ···· | ···· | ···· | ···· |
| Basic EPS | $-11.02 | $-10.82 | $-13.65 | $-1.16 | ···· | ···· | ···· | ···· | ···· |
| Basic Shares | 18.65M | 15.34M | 15.11M | 256M | ···· | ···· | ···· | ···· | ···· |
| Diluted Shares | 18.65M | 15.34M | 15.11M | 256M | ···· | ···· | ···· | ···· | ···· |
Earnings Summary
Revenue
$60.9M
Estimate unavailable.
Revenue Beat/Miss
Not available (no estimate stored)
EPS
-$1.64
Estimate unavailable.
EPS Beat/Miss
Not available (no estimate stored)
Debt Change
+13.9%
Cash Change
+28.4%
Margin Change
+20.4 pp
Debt and cash show percentage changes versus the comparison period; margin shows the change in percentage points (pp). These are company-wide changes, not per-share amounts.
Financial Changes Since Prior Period
What Improved
- Margins expanded
- Cash position grew
What Weakened
- Debt increased
Potential Score Impact
Positive indicators included revenue growth, cash levels, net income margin. Pressure indicators included EPS growth, debt levels. These factors may support or pressure the Revenue, Management, Financial, and Debt categories; this summary does not claim that the stored scores changed.
Stored Earnings Analysis
Revenue increased 18.7%. EPS declined 31.4%. Cash increased 28.4%. Total debt increased 13.9%. Net income margin improved by 20.4 percentage points.
Earnings-Call Transcript
Earnings-call transcript analysis is not currently available.
These results may influence future scores when the next evaluation is completed.
Insider Activity
Guru / Smart Money
Guru Score
0
Smart Money
0
Number of Gurus
0
Total Guru Value
Avg Portfolio Weight
Largest Holder
Largest Holder %
New Positions
Increased Positions
Reduced Positions
Exited Positions
Net Guru Sentiment
Short Interest
Dividend History
Dividend data is not available yet. Missing data does not mean this company pays no dividend.
Conservative Projected Values
3 Years
$———.——
5 Years
$———.——
10 Years
$———.——
Conservative Projection Rate
——%
Conservative Projected Values — price projections derived from actual 10-year adjusted historical returns, conservatively adjusted and capped at 8% annually. These are distinct from the Outperformance Model Score and WallStreetScore.
Conservative Projected Values
Premium unlocks the 3-year, 5-year, and 10-year conservative projected values with full calculation breakdowns based on actual historical returns.
Start 7-Day Free TrialHistorical Outperformance Record
Premium includes stored forecasts and any available evaluated results. Completed results, win rates and calibrated probabilities are shown only when supported records exist; access does not create historical outcomes.
Start 7-Day Free TrialHistorical Trends
5 historical recordsHistorical Score Chart
3 of 5 records shownWall Street Score
Debt Score
Revenue Score
Asset Score
Capital Score
Management Score
Moat Score
Valuation Score
Buffett Score
Intrinsic Value
Value Reference
Margin of Safety %
Related Companies
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BETR Investors Have Opportunity to Lead Better Home & Finance Holding Company Securities Fraud Lawsuit with SBS Law
SHAREHOLDER ALERT: Bronstein Gewirtz & Grossman, LLC Announces Class Action Against Better Home & Finance Holding Company (NASDAQ: BETR) — Investors Who Suffered Losses Are Encouraged to Contact the Firm
BETR Shareholder Alert: Better Home & Finance Holding Company Securities Class Action Lawsuit - Investors Should Contact Levi & Korsinsky
Rumor Mill · BETR
Corporate developments & opportunities
No reviewed developments match this filter.
Evidence credibility is not a forecast of stock performance. Rumor Mill is separate from the WSS score.
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