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Home CompaniesBetter Home & Finance Holding Company

Better Home & Finance Holding Company

Financial Services Mortgage Finance
PortfolioPortfolio WatchlistWatchlist
Company price
19.24 USD 0.27 ( 1.42%)
Last update at 2026-11-06T21:00:00Z
VOLUME
319532
Market Cap
781.04M

Momentum Score

…

Better Home & Finance Holding Company operates as a homeownership company in the United States. The company provides government-sponsored enterprise (GSE) conforming loans, Federal Housing Administration insured loans, Department of Veterans Affairs guaranteed loans, and jumbo loans to GSEs, banks, insurance companies, asset managers, and mortgage real estate investment trusts. It offers real estate agent services, title insurance and settlement services, and homeowners insurance services. It also offers home equity lines of credit and closed-end second-lien loans. The company formerly known as Better Mortgage Corporation and changed its name to Better Home & Finance Holding Company in August 2023. Better Home & Finance Holding Company is headquartered in New York, New York.

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Day Price Range
17.73
Low
19.43
High
52 Week Price Range
10.81
Low
92.69
High

Momentum Score

…
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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.

Score - Rating
>= 1 - Low / > 1 but < 2 - Below Average / > 2 but < 3 - Average / > 3 but < 4 - Above Average / > 4 - High
AI Summary

Public information on Better Home & Finance Holding Company (NASDAQ: BETR) is limited; the company is listed as a holding company and detailed operations and financials are not well documented in readily available filings. Long-term growth prospects depend on management execution, acquisitions and broader housing and credit market conditions, which may benefit firms positioned in housing-related finance if strategy is executed and disclosures improve.
The principal investment risks are limited public disclosure and execution risk, including potential illiquidity, weak financial transparency and sensitivity to housing, credit and financing conditions.

Risk Score
High

Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.

Key Metrics*

Previous Close
18.97
Dividend Yield
-
Revenue TTM
164.87M
Revenue Per Share
10.73
Gross Profit TTM
164.87M
Debt / Equity
16.55
ROE
-875.53%
Net Debt
498.68M
ROCE
-11.29%
Diluted EPS TTM
-10.80

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Key Financials*

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Income before tax -165.82M -205.44M -534.42M -887.70M -303.51M
Net income -165.87M -206.29M -536.42M -888.80M -301.13M
Selling general administrative 83.68M 52.23M 92.84M 112.16M 100.69M
Selling and marketing expenses - 33.98M 22.08M 69.02M 248.90M
Gross profit 148.73M -42.52M -61.31M -295.97M 342.30M
Reconciled depreciation 14.07M 33.23M 42.89M 49.04M 27.22M
Ebit -122.97M -188.02M -502.83M -602.34M -152.70M
Ebitda -108.91M -154.79M -459.94M -553.29M -125.48M
Depreciation and amortization 14.07M 33.23M 42.89M 49.04M 27.22M
Operating income -122.97M -188.02M -291.28M -870.83M -239.68M
Other operating expenses 314.35M 308.07M 379.78M 967.17M 1369.91M
Interest expense 42.84M - 31.60M 303.18M 100.97M
Tax provision 0.05M 0.85M 2.00M 1.10M -2.38M
Net interest income - - -31.60M -303.18M -100.97M
Income tax expense 0.05M 0.85M 2.00M 1.10M -2.38M
Total revenue 191.37M 120.05M 88.50M 361.09M 1217.21M
Total operating expenses 271.71M 145.49M 229.97M 310.10M 495.00M
Cost of revenue 42.64M 162.58M 149.81M 657.07M 874.91M
Total other income expense net -42.84M -17.42M -243.15M 21.55M -49.84M
Net income from continuing ops -165.87M -206.29M -536.42M -888.80M -301.13M
Net income applicable to common shares - - - -888.80M -301.13M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Total assets 1505.43M 913.06M 905.55M 1086.52M 3299.72M
Intangible assets 21.98M 20.94M 38.13M 62.00M 72.49M
Other current assets - 63.24M 67.51M 74.46M 72.71M
Total liab 1468.25M 971.23M 782.95M 1260.34M 2623.28M
Total stockholder equity 37.18M -58.17M 122.60M -173.82M 676.44M
Deferred long term liab - - - - 14.26M
Other current liab -832.91M 6.19M 3.38M 8.00M 11.55M
Common stock 0.00M 0.00M 0.07M 0.01M 0.01M
Capital stock 0.00M 0.00M 0.07M 436.29M 436.29M
Retained earnings -2076.24M -1910.37M -1704.08M -1181.41M -292.61M
Other liab - - - 87.17M 108.53M
Good will 10.99M 23.61M 32.39M 18.52M 19.81M
Other assets - - 10.11M - -0.00M
Cash 116.61M 211.10M 503.59M 317.96M 938.32M
Total current liabilities 416.49M 435.56M 208.26M 1021.24M 2340.07M
Current deferred revenue 762.98M 137.17M 12.11M 30.20M 50.01M
Net debt 498.68M 556.80M 168.47M 780.54M 1429.61M
Short term debt 411.86M 244.07M 126.22M 894.05M 2145.25M
Short long term debt 411.86M 244.07M 126.22M 894.05M 2145.25M
Short long term debt total 615.29M 767.90M 672.06M 1098.50M 2367.93M
Other stockholder equity 2109.76M 1854.13M 1828.32M 572.73M 532.87M
Property plant equipment - - - 72.48M 97.93M
Total current assets 241.27M 861.86M 792.09M 693.87M 3085.93M
Net tangible assets - - - -690.62M 147.86M
Short term investments 103.61M 53.77M 25.60M - -
Net receivables 21.05M 32.19M 195.39M 300.31M 2073.78M
Long term debt 198.80M 519.75M 514.64M 144.40M 149.02M
Inventory - 501.56M 135.56M 1.14M 1.12M
Accounts payable 74.56M 48.13M 66.56M 88.98M 133.26M
Accumulated other comprehensive income 3.66M -1.94M -1.71M -1.42M -0.10M
Non currrent assets other 496.67M 2.54M 6.51M 239.65M 23.56M
Non current assets total 1264.16M 51.19M 113.47M 392.65M 213.79M
Capital lease obligations 4.63M 4.08M 31.20M 60.05M 73.66M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Investments -46.36M -143.81M -38.59M -34.66M -68.70M
Change to liabilities - - - -40.56M -7.96M
Total cashflows from investing activities -595.93M -143.81M -38.59M -34.66M -68.70M
Net borrowings 56.19M 116.75M 363.24M -1529.99M 289.00M
Total cash from financing activities 714.34M 239.13M 381.40M -1537.10M 304.54M
Change to operating activities - - - 1524.99M 425.21M
Net income -165.87M -206.29M -536.42M -888.80M -301.13M
Change in cash -118.90M -292.55M 182.00M -632.81M 597.09M
Begin period cash flow 235.52M 528.07M 346.06M 978.87M 381.79M
End period cash flow 116.61M 235.52M 528.07M 346.06M 978.87M
Total cash from operating activities -232.15M -379.97M -159.72M 938.22M 361.21M
Issuance of capital stock 29.22M 0.00M 16.35M - -
Depreciation 14.07M 33.23M 42.89M 49.04M 27.22M
Other cashflows from investing activities -472.76M -105.17M - - -
Change to account receivables 2.29M -1.91M -0.10M - -
Sale purchase of stock - - 0.00M -7.17M -5.65M
Other cashflows from financing activities - 122.29M 1.81M 10131.62M 51351.22M
Change to netincome - - - 293.55M 217.87M
Capital expenditures 1.19M 10.08M 9.78M 35.28M 68.65M
Change in working capital 26.33M -10.28M -52.93M -10551.48M -51374.38M
Stock based compensation 20.43M 26.75M 54.16M 38.56M 55.22M
Other non cash items -106.68M -223.38M 332.58M 12317.75M 51835.98M
Free cash flow -233.35M -390.05M -169.50M 902.94M 292.57M

Peer Comparison*

Sector: Financial Services Industry: Mortgage Finance

Stock Name
Change
(USD)
Price
(USD)
Trailing
PE (x)
Forward
PE (x)
Price Sales
TTM (x)
Price to Book Value (x)
Enterprise Value
to Revenue (x)
Enterprise Value
to EBITDA (x)
BETR
Better Home & Finance Holding Company		 0.27
1.42%		 19.24 - - 4.74 18.24 5.27 -0.85
FMCCT
Federal Home Loan Mortgage Corp Pref Perpetual		 0.21
1.98%		 10.81 197.79 - 2.68 - - -
RKT
Rocket Companies Inc		 0.24
1.62%		 15.06 8.17 62.50 7.58 3.14 - -
FNMFO
Federal National Mortgage Association		 -1000.00
3.70%		 26000.00 1000000.00 - 0.55 - - -
FNMAS
Federal National Mortgage Association Pref S		 -0.08
1.03%		 7.68 1701.43 - 0.55 - - -

Profile*

Better Home & Finance Holding Company

Better Home & Finance Holding Company operates as a homeownership company in the United States. The company provides government-sponsored enterprise (GSE) conforming loans, Federal Housing Administration insured loans, Department of Veterans Affairs guaranteed loans, and jumbo loans to GSEs, banks, insurance companies, asset managers, and mortgage real estate investment trusts. It offers real estate agent services, title insurance and settlement services, and homeowners insurance services. It also offers home equity lines of credit and closed-end second-lien loans. The company formerly known as Better Mortgage Corporation and changed its name to Better Home & Finance Holding Company in August 2023. Better Home & Finance Holding Company is headquartered in New York, New York.

1 World Trade Center, New York, NY, United States, 10007

415 523 8837

https://better.com

1329

Name Title Year Born
Mr. Vishal Garg Co-Founder, CEO & Director 1978
Mr. Kevin J. Ryan CFO & President 1971
Mr. Nicholas J, Calamari J.D. Chief Administrative Officer & Senior Counsel 1979
William E. Fischer III Chief Accounting Officer NA
Ms. Paula A. Tuffin General Counsel, Chief Compliance Officer & Secretary 1963
Mr. Stephen M. Riddell Head of Sales 1956
Mr. Sushil Sharma Chief Growth Officer 1977
Mr. Ryan Jewison Head of Cover NA
Nick Taylor Head of Real Estate NA
Mr. Josh Durodola Head of Services NA

Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.

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