Symbols / BETR Stock $42.34 +4.13% Better Home & Finance Holding Company

Financial Services • Mortgage Finance • United States • NGM
BETR (Stock) Chart
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Stock Fundamentals
Scroll to Statements
Index EQUITY
Sector Financial Services
Industry Mortgage Finance
CEO Mr. Vishal Garg
Exch · Country NGM · United States
Market Cap 696.49M
Enterprise Value 1.19B
Income -165.87M
Sales 164.87M
FCF (ttm) —
Book/sh 2.32
Cash/sh 6.32
Employees 1,329
Insider 10d —
IPO Apr 30, 2021
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout 0.00%
P/E —
Forward P/E 15.62
PEG —
P/S 4.22
P/B 18.22
P/C —
EV/EBITDA —
EV/Sales 7.20
Quick Ratio 1.05
Current Ratio 1.09
Debt/Eq 1,672.79
LT Debt/Eq —
EPS (ttm) -10.80
EPS next Y 2.71
EPS Growth —
Revenue Growth 77.40%
EPS Gr Q/Q —
Rev Gr Q/Q —
Earnings (next) 2026-05-07
Earnings (prior) 2026-03-13
ROA -13.72%
ROE —
ROIC —
Gross Margin 100.00%
Oper. Margin -87.27%
Profit Margin -100.61%
Shs Outstand 10.64M
Shs Float 8.73M
Insider Own 37.03%
Instit Own 40.53%
Short Float 29.89%
Short Ratio 3.64
Short Interest 2.09M
52W High 94.06
vs 52W High -54.99%
52W Low 10.81
vs 52W Low 291.67%
Beta 1.93
Impl. Vol. 1.37%
Rel Volume 0.59
Avg Volume 484.25K
Volume 285.10K
Target (mean) $50.00
Tgt Median $50.00
Tgt Low $50.00
Tgt High $50.00
# Analysts 1
Recom Buy
Prev Close $40.66
Price $42.34
Change 4.13%
About

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.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
$50.00
Mean price target
2. Current target
$42.37
Latest analyst target
3. DCF / Fair value
$50.00
Proxy: analyst mean price target (no FCF/EPS data available).
Ratings
Current target
$42.37
Low
$50.00
High
$50.00
Mean
$50.00

Latest analyst rating changes

Date Action Analyst Rating Change Price Target
2026-01-27 init Cantor Fitzgerald — → Overweight $40
News
RSS: Latest BETR news
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2026-04-10 FRAMEWORK VENTURES IV L.P. Beneficial Owner of more than 10% of a Class of Security — 54,384 $32.96 $1,792,497
2026-04-09 TALWAR HARIT Director — 5,000 $32.89 $164,432
2026-04-08 MENON BHASKAR Director — 590 $34.14 $20,140
2026-04-08 GARG VISHAL Chief Executive Officer — 10,000 $35.05 $350,519
2026-04-08 TALWAR HARIT Director — 1,000 $33.34 $33,340
2026-04-08 ADVANI LOVEEN Chief Financial Officer — 10 $44.84 $448
2026-04-08 ORN JONSSON SIGURGEIR Chief Technology Officer — 1,000 $36.05 $36,089
2026-04-02 TALWAR HARIT Director — 5,000 $35.24 $176,218
2026-03-25 GARG VISHAL Chief Executive Officer — 2,217 $29.90 $66,298
2026-03-24 GARG VISHAL Chief Executive Officer — 21,200 $28.37 $618,932
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Revenue
206.90
+72.34%
120.05
+17.57%
102.11
-74.15%
395.08
Operating Revenue
205.21
+75.25%
117.10
+17.29%
99.84
-74.73%
395.08
Cost Of Revenue
217.07
+33.52%
162.58
-23.79%
213.33
-69.24%
693.57
Reconciled Cost Of Revenue
217.07
+33.52%
162.58
-23.79%
213.33
-67.09%
648.16
Gross Profit
-10.18
+76.07%
-42.52
+61.77%
-111.22
+62.74%
-298.49
Operating Expense
139.30
-4.26%
145.49
-14.24%
169.65
-42.86%
296.89
Research And Development
—
—
83.81
-32.57%
124.31
Selling General And Administration
83.68
-2.94%
86.21
+8.21%
79.67
-52.74%
168.57
Selling And Marketing Expense
38.36
+12.86%
33.98
+74.07%
19.52
-71.71%
69.01
General And Administrative Expense
45.32
-13.22%
52.23
-13.17%
60.15
-39.59%
99.56
Salaries And Wages
—
—
37.20
+86.86%
19.91
Other Gand A
45.32
-13.22%
52.23
-13.17%
60.15
-23.21%
78.33
Other Operating Expenses
41.55
+59.50%
26.05
-44.67%
47.08
—
Total Expenses
356.37
+15.68%
308.07
-19.56%
382.98
-61.33%
990.46
Operating Income
-149.47
+20.50%
-188.02
+33.06%
-280.87
+52.83%
-595.38
Total Operating Income As Reported
—
—
-291.28
+66.09%
-858.92
EBITDA
-135.41
+12.52%
-154.79
+34.96%
-237.97
+54.53%
-523.38
Normalized EBITDA
-135.41
+12.52%
-154.79
+34.96%
-237.97
+56.13%
-542.40
Reconciled Depreciation
14.07
-57.66%
33.23
-22.53%
42.89
-13.22%
49.42
EBIT
-149.47
+20.50%
-188.02
+33.06%
-280.87
+50.97%
-572.80
Total Unusual Items
—
—
-254.30
-1437.10%
19.02
Total Unusual Items Excluding Goodwill
—
—
-254.30
-1437.10%
19.02
Special Income Charges
—
—
-17.46
+92.92%
-246.49
Other Special Charges
—
—
-3.89
-389200.00%
0.00
Impairment Of Capital Assets
—
—
12.79
+2.30%
12.50
Restructuring And Mergern Acquisition
—
—
8.25
-91.93%
102.26
Write Off
—
—
0.31
-99.76%
131.72
Net Income
-165.87
+19.59%
-206.29
+61.54%
-536.42
+38.84%
-877.08
Pretax Income
-165.82
+19.29%
-205.44
+61.56%
-534.42
+38.99%
-875.98
Net Non Operating Interest Income Expense
—
—
-31.60
+89.58%
-303.18
Interest Expense Non Operating
—
—
31.60
-89.58%
303.18
Net Interest Income
—
—
-31.60
+89.58%
-303.18
Interest Expense
—
—
31.60
-89.58%
303.18
Other Income Expense
-16.34
+6.20%
-17.42
+93.13%
-253.56
-1223.17%
22.57
Other Non Operating Income Expenses
-16.34
+6.20%
-17.42
+93.13%
-253.56
-7230.37%
3.56
Gain On Sale Of Security
—
—
-236.84
-189.21%
265.50
Tax Provision
0.05
-93.76%
0.85
-57.46%
2.00
+81.64%
1.10
Tax Rate For Calcs
0.00
+0.00%
0.00
+0.00%
0.00
+0.00%
0.00
Tax Effect Of Unusual Items
0.00
0.00
0.00
-100.00%
3.99
Net Income Including Noncontrolling Interests
-165.87
+19.59%
-206.29
+61.54%
-536.42
+38.84%
-877.08
Net Income From Continuing Operation Net Minority Interest
-165.87
+19.59%
-206.29
+61.54%
-536.42
+38.84%
-877.08
Net Income From Continuing And Discontinued Operation
-165.87
+19.59%
-206.29
+61.54%
-536.42
+38.84%
-877.08
Net Income Continuous Operations
-165.87
+19.59%
-206.29
+61.54%
-536.42
+38.84%
-877.08
Normalized Income
-165.87
+19.59%
-206.29
+61.54%
-536.42
+39.87%
-892.10
Net Income Common Stockholders
-165.87
+19.59%
-206.29
+61.54%
-536.42
+38.84%
-877.08
Diluted EPS
-10.80
+20.88%
-13.65
+76.50%
-58.09
+2.30%
-59.46
Basic EPS
-10.80
+20.88%
-13.65
+76.50%
-58.09
+2.30%
-59.46
Basic Average Shares
15.36
+1.63%
15.11
+63.66%
9.23
-37.41%
14.75
Diluted Average Shares
15.36
+1.63%
15.11
+63.66%
9.23
-37.41%
14.75
Diluted NI Availto Com Stockholders
-165.87
+19.59%
-206.29
+61.54%
-536.42
+38.84%
-877.08
Depreciation Amortization Depletion Income Statement
14.07
-57.66%
33.23
-22.53%
42.89
+969.87%
4.01
Depreciation And Amortization In Income Statement
14.07
-57.66%
33.23
-22.53%
42.89
+969.87%
4.01
Rent And Landing Fees
—
—
4.22
+219.38%
1.32
Rent Expense Supplemental
—
—
4.22
+219.38%
1.32
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Assets
1,505.43
+64.88%
913.06
+0.83%
905.55
-16.41%
1,083.35
Current Assets
1,461.62
+69.59%
861.86
+8.15%
796.88
+14.80%
694.16
Cash Cash Equivalents And Short Term Investments
203.43
-23.20%
264.88
-49.95%
529.19
+66.43%
317.96
Cash And Cash Equivalents
99.83
-52.71%
211.10
-58.08%
503.59
+58.38%
317.96
Other Short Term Investments
103.61
+92.67%
53.77
+110.08%
25.60
0.00
Receivables
1,211.06
+126.90%
533.75
+166.64%
200.18
-33.41%
300.61
Other Receivables
14.81
-15.62%
17.55
+3.91%
16.89
-3.64%
17.53
Taxes Receivable
6.24
+13.82%
5.48
-34.31%
8.35
-53.98%
18.14
Loans Receivable
1,190.01
+133.01%
510.72
+191.93%
174.94
-33.97%
264.94
Inventory
—
—
0.00
-100.00%
1.14
Prepaid Assets
21.30
-25.03%
28.41
-33.99%
43.04
-7.15%
46.35
Restricted Cash
17.14
-29.80%
24.42
-0.24%
24.48
-12.92%
28.11
Assets Held For Sale Current
8.69
-16.56%
10.41
0.00
—
Total Non Current Assets
43.81
-14.42%
51.19
-52.89%
108.67
-72.08%
389.19
Net PPE
6.62
+61.33%
4.10
-88.74%
36.44
-48.05%
70.15
Gross PPE
12.04
+10.42%
10.90
-79.94%
54.34
-39.55%
89.89
Accumulated Depreciation
-5.41
+20.32%
-6.79
+62.03%
-17.90
+9.35%
-19.74
Properties
0.00
0.00
0.00
0.00
Land And Improvements
—
0.00
-100.00%
3.03
+0.00%
3.03
Machinery Furniture Equipment
4.76
-31.99%
7.00
-63.28%
19.07
-12.19%
21.72
Other Properties
4.68
+237.27%
1.39
-93.06%
19.99
-54.03%
43.48
Leases
2.59
+3.39%
2.51
-79.52%
12.25
-43.46%
21.66
Goodwill And Other Intangible Assets
32.98
-25.97%
44.55
-36.82%
70.52
-11.17%
79.38
Goodwill
10.99
-53.44%
23.61
-27.09%
32.39
+86.28%
17.39
Other Intangible Assets
21.98
+5.01%
20.94
-45.09%
38.13
-38.50%
62.00
Other Non Current Assets
—
—
4.79
—
Total Liabilities Net Minority Interest
1,468.25
+51.17%
971.23
+24.05%
782.95
-37.43%
1,251.26
Current Liabilities
1,254.38
+187.99%
435.56
+109.14%
208.26
-21.32%
264.69
Payables And Accrued Expenses
74.73
+55.02%
48.21
-31.07%
69.93
-22.67%
90.44
Payables
74.73
+55.02%
48.21
-31.07%
69.93
-22.67%
90.44
Accounts Payable
74.56
+54.90%
48.13
-27.68%
66.56
-19.26%
82.44
Other Payable
0.17
+132.43%
0.07
-97.81%
3.38
-57.81%
8.00
Current Debt And Capital Lease Obligation
411.86
+68.75%
244.07
+93.37%
126.22
-12.38%
144.05
Current Debt
411.86
+68.75%
244.07
+93.37%
126.22
-12.38%
144.05
Other Current Borrowings
—
—
—
750.00
Current Deferred Liabilities
762.98
+456.24%
137.17
+1032.59%
12.11
-59.90%
30.20
Current Deferred Revenue
762.98
+456.24%
137.17
+1032.59%
12.11
-59.90%
30.20
Other Current Liabilities
4.80
-21.48%
6.12
—
—
Total Non Current Liabilities Net Minority Interest
213.87
-60.07%
535.66
-6.79%
574.69
-41.75%
986.56
Long Term Debt And Capital Lease Obligation
203.43
-61.16%
523.83
-4.03%
545.85
-42.66%
951.91
Long Term Debt
198.80
-61.75%
519.75
+0.99%
514.64
-42.46%
894.40
Long Term Capital Lease Obligation
4.63
+13.43%
4.08
-86.92%
31.20
-45.74%
57.51
Long Term Provisions
4.27
-43.27%
7.52
-61.37%
19.47
-27.19%
26.75
Other Non Current Liabilities
2.27
-22.03%
2.90
-52.32%
6.09
+104.26%
2.98
Stockholders Equity
37.18
+163.92%
-58.17
-147.45%
122.60
+173.02%
-167.90
Common Stock Equity
37.18
+163.92%
-58.17
-147.45%
122.60
+120.29%
-604.18
Capital Stock
0.00
+0.00%
0.00
+0.00%
0.00
-100.00%
436.29
Common Stock
0.00
+0.00%
0.00
+0.00%
0.00
-80.00%
0.01
Preferred Stock
—
—
0.00
-100.00%
436.28
Share Issued
16.00
+5.46%
15.17
+0.89%
15.04
+1.92%
14.75
Ordinary Shares Number
16.00
+5.46%
15.17
+0.89%
15.04
+1.92%
14.75
Additional Paid In Capital
2,109.76
+13.23%
1,863.29
+1.35%
1,838.50
+197.44%
618.11
Retained Earnings
-2,076.24
-8.68%
-1,910.37
-12.11%
-1,704.08
-45.94%
-1,167.66
Gains Losses Not Affecting Retained Earnings
3.66
+288.89%
-1.94
-12.95%
-1.71
-20.45%
-1.42
Total Equity Gross Minority Interest
37.18
+163.92%
-58.17
-147.45%
122.60
+173.02%
-167.90
Total Capitalization
235.99
-48.87%
461.58
-27.57%
637.24
-12.29%
726.50
Working Capital
207.24
-51.39%
426.30
-27.58%
588.62
+37.06%
429.47
Invested Capital
647.85
-8.19%
705.65
-7.57%
763.46
+75.80%
434.27
Total Debt
615.29
-19.87%
767.90
+14.26%
672.06
-38.68%
1,095.96
Net Debt
510.84
-7.58%
552.72
+302.65%
137.27
-80.95%
720.49
Capital Lease Obligations
4.63
+13.43%
4.08
-86.92%
31.20
-45.74%
57.51
Net Tangible Assets
4.20
+104.09%
-102.72
-297.22%
52.08
+121.06%
-247.29
Tangible Book Value
4.20
+104.09%
-102.72
-297.22%
52.08
+107.62%
-683.57
Derivative Product Liabilities
3.91
+177.68%
1.41
-57.10%
3.28
-33.39%
4.92
Financial Assets
4.21
+65.81%
2.54
+47.96%
1.72
-99.28%
239.65
Line Of Credit
411.86
+68.75%
244.07
+93.37%
126.22
-12.38%
144.05
Other Equity Interest
—
-9.16
+9.43%
-10.11
+81.00%
-53.23
Other Inventories
—
—
—
1.14
Preferred Stock Equity
—
—
—
436.28
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Operating Cash Flow
-166.57
+56.16%
-379.97
-137.90%
-159.72
-117.02%
938.25
Cash Flow From Continuing Operating Activities
-166.57
+56.16%
-379.97
-137.90%
-159.72
-117.02%
938.25
Net Income From Continuing Operations
-165.87
+19.59%
-206.29
+61.54%
-536.42
+38.84%
-877.08
Depreciation Amortization Depletion
14.07
-57.66%
33.23
-22.53%
42.89
-13.22%
49.42
Depreciation
1.04
-85.27%
7.09
+21.45%
5.84
-57.31%
13.67
Amortization Cash Flow
13.03
-50.17%
26.14
-29.46%
37.05
+3.65%
35.75
Depreciation And Amortization
14.07
-57.66%
33.23
-22.53%
42.89
-13.22%
49.42
Amortization Of Intangibles
13.03
-50.17%
26.14
-29.46%
37.05
+3.65%
35.75
Other Non Cash Items
-65.93
+70.90%
-226.60
-358.53%
87.65
-95.16%
1,810.45
Stock Based Compensation
20.43
-23.63%
26.75
-50.60%
54.16
+77.33%
30.54
Provisionand Write Offof Assets
-0.24
+97.13%
-8.26
-352.88%
-1.82
-105.44%
33.52
Asset Impairment Charge
12.51
-23.77%
16.41
+73.87%
9.44
-93.51%
145.47
Operating Gains Losses
-0.51
+80.38%
-2.61
-101.10%
237.30
+191.33%
-259.81
Gain Loss On Investment Securities
-1.20
+53.85%
-2.61
-101.10%
237.30
+191.33%
-259.81
Unrealized Gain Loss On Investment Securities
-7.36
-216.98%
-2.32
-9026.92%
0.03
-99.95%
54.27
Change In Working Capital
26.33
+356.10%
-10.28
+80.58%
-52.93
-9.07%
-48.53
Change In Receivables
2.29
+220.28%
-1.91
-1867.01%
-0.10
-100.26%
37.48
Change In Prepaid Assets
9.49
-43.70%
16.86
+14.71%
14.70
+599.56%
-2.94
Change In Payables And Accrued Expense
17.51
+185.35%
-20.52
+23.55%
-26.84
+43.04%
-47.11
Change In Payable
17.51
+185.35%
-20.52
+23.55%
-26.84
+43.04%
-47.11
Change In Account Payable
17.03
+180.76%
-21.08
+5.07%
-22.21
+49.01%
-43.56
Change In Other Current Assets
—
—
—
-13.61
Change In Other Current Liabilities
-2.97
+36.95%
-4.71
+88.42%
-40.70
-13.16%
-35.96
Investing Cash Flow
-661.51
-359.99%
-143.81
-272.62%
-38.59
-11.60%
-34.58
Cash Flow From Continuing Investing Activities
-661.51
-359.99%
-143.81
-272.62%
-38.59
-11.60%
-34.58
Net PPE Purchase And Sale
-1.19
-165.11%
-0.45
-246.10%
0.31
+104.29%
-7.19
Purchase Of PPE
-1.19
+64.79%
-3.39
-642.98%
-0.46
+96.11%
-11.73
Sale Of PPE
0.00
-100.00%
2.94
+284.55%
0.76
-83.20%
4.55
Capital Expenditure
-11.23
-11.38%
-10.08
-3.11%
-9.78
+72.29%
-35.28
Capital Expenditure Reported
-10.04
-49.93%
-6.69
+28.19%
-9.32
+60.41%
-23.55
Net Investment Purchase And Sale
-46.36
-62.37%
-28.55
-69.29%
-16.87
0.00
Purchase Of Investment
-493.09
-132.74%
-211.86
-339.66%
-48.19
0.00
Sale Of Investment
446.73
+143.70%
183.31
+485.26%
31.32
0.00
Net Business Purchase And Sale
—
0.00
+100.00%
-12.71
-230.47%
-3.85
Purchase Of Business
—
0.00
+100.00%
-12.71
-230.47%
-3.85
Net Intangibles Purchase And Sale
—
—
—
0.00
Net Other Investing Changes
-603.92
-458.60%
-108.11
—
—
Financing Cash Flow
714.34
+198.72%
239.13
-37.30%
381.40
+124.81%
-1,537.20
Cash Flow From Continuing Financing Activities
714.34
+198.72%
239.13
-37.30%
381.40
+124.81%
-1,537.20
Net Issuance Payments Of Debt
56.19
-51.87%
116.75
-67.86%
363.24
+123.74%
-1,529.99
Issuance Of Debt
167.79
+42.38%
117.85
-77.70%
528.59
-94.78%
10,131.56
Repayment Of Debt
-111.61
-10018.40%
-1.10
+99.33%
-165.34
+98.58%
-11,661.55
Long Term Debt Issuance
167.79
+42.38%
117.85
-77.70%
528.59
-94.78%
10,131.56
Long Term Debt Payments
-111.61
-10018.40%
-1.10
+99.33%
-165.34
+98.58%
-11,661.55
Net Long Term Debt Issuance
56.19
-51.87%
116.75
-67.86%
363.24
+123.74%
-1,529.99
Short Term Debt Issuance
—
—
2,691.97
-73.43%
10,131.56
Short Term Debt Payments
—
—
-2,709.80
+76.75%
-11,655.43
Net Short Term Debt Issuance
—
—
-17.83
+98.83%
-1,523.87
Net Common Stock Issuance
29.22
0.00
-100.00%
16.35
+305.72%
-7.95
Common Stock Payments
—
—
0.00
+100.00%
-7.95
Repurchase Of Capital Stock
—
—
0.00
+100.00%
-7.95
Proceeds From Stock Option Exercised
0.07
-17.58%
0.09
-94.12%
1.55
+110.76%
0.73
Net Other Financing Charges
628.85
+414.23%
122.29
+46935.00%
0.26
—
Changes In Cash
-113.75
+60.04%
-284.65
-255.47%
183.09
+128.90%
-633.53
Effect Of Exchange Rate Changes
-7.50
-3357.14%
-0.22
+80.04%
-1.09
-249.72%
0.73
Beginning Cash Position
235.52
-55.40%
528.07
+52.59%
346.06
-64.65%
978.87
End Cash Position
116.61
-50.49%
235.52
-55.40%
528.07
+52.59%
346.06
Free Cash Flow
-177.80
+54.42%
-390.05
-130.12%
-169.50
-118.77%
902.97
Interest Paid Supplemental Data
21.75
+57.38%
13.82
+14.76%
12.04
-7.84%
13.07
Income Tax Paid Supplemental Data
1.71
—
—
1.83
Common Stock Issuance
29.22
0.00
-100.00%
16.35
0.00
Issuance Of Capital Stock
29.22
0.00
-100.00%
16.35
0.00
Other Cash Adjustment Outside Changein Cash
2.35
+130.54%
-7.68
0.00
—
Sale Of Intangibles
—
—
—
0.00
SEC Filings

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