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Buy Day today: Good (62) Broad market participation · no major macro event
BETR

Better Home & Finance Holding Company

Financial Services · Mortgage Finance

12.30$ -0.3% vs. previous close Closing price · As of: Sep 17, 2026
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Price history

Chart

Interactive price chart (TradingView).

52-week range: 11.60 $ to 86.10 $ · Last price: 12.30 $ (As of: September 17, 2026)

Key figures

Key figures at a glance

Every figure we hold for this stock, grouped by topic. The question mark next to a label explains what the number means.

Basics

Market Cap ?The value of the entire company on the market: share price times total shares outstanding. 0.2$B
Shares Outstanding ?Total number of shares issued. Price times share count gives market cap. 13m
Float ?Share of stock freely tradable on the market — not locked up in the hands of founders, insiders, or major shareholders. 63.9%
Beta ?Volatility versus the overall market: 1 = moves like the market, 2 = twice as much, under 1 = calmer than the market. 1.7

Performance

Perf. 1M ?Price performance over the last month. -6.00%
Perf. 3M ?Price performance over the last 3 months. -13.30%
Perf. 6M ?Price performance over the last 6 months. -28.20%
YTD Performance (%) ?Price performance since the start of the year (Year to Date). -21.10%
52-Week-High Distance ?How far the price sits below its highest point over the last 52 weeks. 0% means the stock is at its year high. -72.8%
Perf. 1Y ?Price performance over the last 12 months. -56.39%
Perf. 3Y ?Price performance over the last 3 years. -61.62%
Perf. 5Y ?Price performance over the last 5 years. -97.52%
Perf. Since Inception ?Price performance since the first available trading day (04/30/2021) — with a complete history, that is since the IPO. -97.62%

Technical Indicators

MA 38 Days ?Moving average of the last 38 trading days: the smoothed price path. A price above it signals short-term strength. 15.30$
MA 50 Days ?Moving average of the last 50 trading days — the most widely watched medium-term trend line. 17.30$
MA 200 Days ?Moving average of the last 200 trading days — the dividing line between a long-term uptrend and downtrend. 29.30$
RSI (14) ?Relative Strength Index over 14 days, scale 0 to 100: above 70 counts as overbought, below 30 as oversold. A hint on timing, not a verdict on the company. 38.6
Volatility 30 Days ?Price swings over the last 30 trading days, annualized. The higher the value, the more the price fluctuates. 106.8%
Volatility 250 Days ?Price swings over the last 250 trading days (roughly one market year), annualized. 133.2%

Calculated from the price history · as of 09/18/2026

Valuation

P/E ?Price-to-earnings ratio: how many years of profit does the stock cost? The lower, the cheaper the valuation. No earnings means no P/E. –
Forward P/E ?P/E based on expected earnings for the next 12 months instead of past earnings — analysts' bet on the future. 51.8
PEG ?P/E divided by expected earnings growth: puts valuation in relation to growth. Around 1 is considered fair, well above that is pricey. –
P/B ?Price-to-book ratio: market value relative to book equity. –
P/S ?Price-to-sales ratio: market value divided by annual sales. Important for companies that aren't (yet) profitable. 1.5
EV/EBITDA ?Enterprise value including debt (EV) relative to operating profit before depreciation and amortization (EBITDA) — more comparable than P/E because debt counts too. Extreme values arise when EBITDA is near zero. -0.9
Price/FCF ?Market value divided by free cash flow: how many years of freely available cash does the stock cost? More honest than P/E because cash flow is harder to dress up. –

Profitability

Gross Margin ?Gross margin: what's left of sales after only direct production costs are deducted — the product's pricing power. 100.0%
EBIT Margin ?EBIT margin: operating profit as a percentage of sales — the earning power of the core business before interest and taxes. –
Net Margin ?Net margin: what's left of sales as profit after ALL costs, interest, and taxes. -93.2%
Return on Equity ?Return on equity: how much profit does the company generate per year on shareholders' equity? -875.5%
Return on Assets ?Return on assets: how much profit the company generates from its total assets (equity and debt combined). -12.1%

Balance Sheet & Safety

Equity Ratio ?Equity ratio: equity as a share of total assets. The higher, the more resilient the balance sheet. –
Debt/Equity ?Leverage ratio: financial debt divided by equity. Under 1 is generally seen as solid; negative values mean negative equity. –
Altman Z″ ?Edward Altman's bankruptcy early-warning score. We use the Z″ variant, built from four balance-sheet ratios — it is designed for service companies and non-manufacturers and uses book value instead of market value. On that scale: below 1.1 = danger zone, 2.6 and up = safe zone, in between a grey area. Because the classic Altman Z is calculated differently, the two numbers are not directly comparable. The formula does not fit banks, insurers, or real-estate stocks. -0.98
Piotroski ?Balance-sheet health check by Joseph Piotroski: 9 yes/no criteria on profit, cash flow, leverage, and efficiency. 7+ is very solid, under 3 is a red flag. 3 out of 9

Growth

Sales Growth Last Quarter ?Sales growth in the most recently reported quarter versus the same quarter a year ago (YoY). 0.00%
EPS Growth Last Quarter ?Growth in earnings per share in the most recently reported quarter versus the same quarter a year ago (YoY). –
Sales Growth (Year) ?Sales growth in the last fiscal year versus the year before. 59.41%
Forward Sales Growth ?Sales growth analysts expect over the next 12 months — an estimate, not a guarantee. 47.62%
Forward EPS Growth ?Earnings-per-share growth analysts expect over the next 12 months — an estimate, not a guarantee. 135.50%

Dividend

This stock currently pays no dividend.

Quality & Screener

Stage ?Weinstein phases 1 through 4: 1 = basing, 2 = uptrend (the only buy phase), 3 = topping, 4 = downtrend. Measured against the 30-week line. 4
RS Rating ?Relative strength from 1 to 99: an RS of 95 means the stock has outperformed 95% of all stocks. 40
EPS Rating ?Earnings growth rating from 1 to 99 versus all stocks — high values mean above-average earnings growth. 50
Fundamental Rating ?Our own Fundamental Rating: 0 to 100 points with an A+ to F grade. 50 points is the average across the universe, 100 the best possible score. It scores growth, earnings surprises, analyst estimates, margins, cash flow, and balance-sheet safety — every stock percentile-ranked against all others. Grades: A+ from 95, A from 75, B from 55, C from 45, D from 25, E from 5, F below. C (48 out of 100)

Comparison

Industry comparison

The stock alongside the largest companies in the same group. The median row is the middle value of the companies shown above — not of the whole industry.

Industry: Mortgage Finance

Industry comparison
Company Market cap ($B) P/E EV/EBITDA Gross Margin % EBIT Margin % Sales Growth (Year) % Perf. 1Y %
Better Home & Finance Holding Company BETR 0.2 – -0.9 100.0 – 59.4 -56.4
Rocket Companies Inc RKT 36.1 – 0.0 100.0 28.2 27.4 -40.6
PennyMac Finl Svcs Inc PFSI 3.5 – 45.9 86.0 14.6 173.8 -46.6
UWM Holdings Corp UWMC 2.1 4.1 22.1 100.0 – 65.8 -79.1
Walker & Dunlop Inc WD 1.3 – 10.4 100.0 9.2 9.0 -52.3
Guild Holdings Co GHLD 1.2 9.9 0.0 100.0 23.6 60.9 14.9
Velocity Financial Llc VEL 0.6 5.7 0.0 75.7 – 48.0 -12.2
Loandepot Inc LDI 0.5 – 0.0 88.9 – 37.6 -84.2
Onity Group Inc. ONIT 0.3 1.5 54.4 93.5 – -0.2 -25.5
Median of companies shown 1.2 4.9 0.0 100.0 19.1 48.0 -46.6

Based on the most recently reported figures. Only stocks from the same trading venue are lined up, so the market caps are counted in one currency. Compare in a chart →

Fiscal years

Annual Figures

Fiscal years from the audited annual reports, oldest first. EBIT is the operating profit before interest and taxes; total assets are everything the company owns.

Revenue, operating income and net income per fiscal year $M

Revenue Operating income Net income

2015 · Revenue: 184 $M 2015 · Operating income: 37 $M 2015 · Net income: 10 $M 2016 · Revenue: 271 $M 2016 · Operating income: 60 $M 2016 · Net income: 27 $M 2020 · Operating income: 0 $M 2020 · Net income: 0 $M 2021 · Revenue: 1,312 $M 2021 · Operating income: -240 $M 2021 · Net income: -301 $M 2022 · Revenue: 395 $M 2022 · Operating income: -859 $M 2022 · Net income: -877 $M 2023 · Revenue: 89 $M 2023 · Operating income: -291 $M 2023 · Net income: -536 $M 2024 · Revenue: 120 $M 2024 · Operating income: -188 $M 2024 · Net income: -206 $M 2025 · Revenue: 191 $M 2025 · Operating income: -123 $M 2025 · Net income: -166 $M
201520162019202020212022202320242025
Annual Figures
Fiscal Year Revenue ($M) EBIT ($M) Net Income ($M) EPS ($) Operating Cash Flow ($M) Equity ($M) Total Assets ($M)
2015 184 37 10 0.13 47 15 361
2016 271 60 27 0.38 -1 52 838
2019 – – – – -324 – –
2020 – 0 0 – 0 – –
2021 1,312 -240 -301 -0.41 361 676 3,300
2022 395 -859 -877 -1.19 938 -168 1,083
2023 89 -291 -536 -2.10 -160 123 906
2024 120 -188 -206 -13.65 -380 -58 913
2025 191 -123 -166 -10.82 -232 37 1,505

Quarters

Quarterly Figures

Each bar is one quarter, the last one is the most recent. Use the switch to step through the individual figures.

Revenue & Profit

Cash Flow

Balance Sheet

Margins

Per Share

Click the chart or tab into it, then use ← and → to step through the periods.

None of the selected stocks reports this metric. Pick another metric or switch between annual and quarterly.

These companies report in different currencies — switch on “Indexed” or pick a margin for a fair comparison.

The figures could not be loaded right now.

Sales Per Quarter ($M)
2024: Q4 · 47.2 $M Q4 2025: Q1 · 34.8 $M Q1 2025: Q2 · 51.3 $M Q2 2025: Q3 · 44.2 $M Q3 2025: Q4 · 53.3 $M Q4 2026: Q1 · 53.2 $M Q1 2026: Q2 · 1.1 $M Q2

Source: fundamental data

Quarterly Figures
Quarter EPS (Earnings Per Share) EPS YoY (%) Sales ($M) Sales YoY (%) Net Margin (%) OCF ($M) FCF ($M)
2024: Q4 -3.90 – 47 314.80 -125.40 -55 -55
2025: Q1 -3.33 – 35 28.40 -145.30 -57 -60
2025: Q2 -2.39 – 51 80.60 -70.70 -61 -61
2025: Q3 -2.56 – 44 65.40 -88.40 -65 -65
2025: Q4 -2.54 – 53 12.80 -74.90 -39 -40
2026: Q1 -4.28 – 53 53.00 -132.10 -77 -77
2026: Q2 -1.64 31.40 1 -97.90 -2,781.80 24 23

What Do These Terms Mean?

EPS (Earnings Per Share):
Quarterly profit divided by the total share count — how much of the profit works out to a single share.
YoY (Year over Year):
Change versus the same quarter a year ago — this is how you compare without seasonal distortion (e.g. the holiday shopping season).
Sales:
All revenue for the quarter, before any costs are deducted — the top line of the income statement.
Net Margin:
What percentage of sales is left over as profit in the end. Negative means the company is posting a loss.
OCF (Operating Cash Flow):
The cash that actually flows into the till from the core business during the quarter — harder to dress up than book profit.
FCF (Free Cash Flow):
Operating cash flow minus capital expenditures — the money that's genuinely free to use, say for paying down debt, buybacks, or dividends.

Compare with other stocks →

Screening

Appears in These Scanners

This stock currently matches 4 of our scanner strategies — each hit links to the scanner.

Risk & Weakness

Only genuine hits from verified scanners count; pure ranking metrics (P/E, P/S, and similar, which just sort the whole universe) don't count as a hit. Scanners marked in red are red-flag signals (risk/short scanners) — appearing there is not a seal of approval. View all scanners

Outlook

Analysts & Price Target

Combined picture of the price targets and recommendations of every analyst covering the stock. Price targets are expectations for the next 12 months, not promises — and they often follow the price rather than predict it.

Consensus –
Analyst Ratings –
Price Target (average) 25.67$
Distance to price 108.7% The price target sits 108.7% above the current price.

Estimates by Fiscal Year

Estimates by Fiscal Year
Fiscal Year EPS Estimate ($) EPS Range ($) Revenue Estimate ($M) Expected Growth Analysts
12/31/2026 -3.42 -3.88 – -2.66 206 60.1% 3
12/31/2027 -0.49 -3.04 – 1.02 278 85.8% 4

Average of the analyst estimates for the coming fiscal years. The range shows how far the most optimistic and the most cautious estimate sit apart — the wider it is, the less certain the expectation.

Valuation

What is priced in?

Free cash flow over the past twelve months is negative, which rules out a serious reverse calculation. Any growth rate only makes a negative cash flow more negative; no present value comes out of it. What the price reflects here is therefore not a stream of cash flows, but the expectation that there will be one at all.

A simplified model calculation — not a forecast and not a recommendation.

AI classification

AI Rating

Not yet rated — we only show a category once an SEC-backed file with at least two cited passages is available.

How the Rating Is Built

Growth

Growth Score

Ten checks against the annual reports — each one passed counts a point.

4 of 10 Weak growth
  • Revenue grows by more than 15% a year over three years -21.5%
  • More than 10% revenue growth is expected for the coming year 47.6%
  • Share count grows by less than 3% a year -72.5%
  • Revenue growth plus cash-flow margin add up to at least 40 ("Rule of 40") -62.5%
  • Gross margin at 40% or higher and without meaningful erosion 77.7%
  • Goodwill from acquisitions does not grow faster than revenue 0.7%
  • Net debt below twice EBITDA failed
  • Operating cash flow covers the profits of the last three years 137 m
  • Return on capital at 15% or higher, or up versus two years ago -11.3%
  • Insiders hold at least 10% or are net buyers 30.4%

A criterion without figures counts neither as passed nor as failed; a score is only produced from 7 judgeable criteria upwards. Source: fundamental data. All ten criteria in detail

Quality check

AAQS

2/10

The AAQS (AlleAktien Quality Score) checks 10 quality criteria on growth, profitability, and balance-sheet strength — per the methodology developed and published by AlleAktien, calculated by us from our own fundamental data. A stock counts as a quality stock from 9 out of 10 points. Where a company has a shorter listing history, we calculate over the fiscal years available (at least five).

  • Sales growth 10Y > 5% 0.4%
  • Exp. sales growth 3Y > 5% 20.5%
  • EBIT growth 10Y > 5% –
  • Exp. EBIT growth 3Y > 5% 20.5%
  • Net debt < 4x EBIT –
  • EBIT positive, 10Y straight –
  • Max. EBIT decline < 50% –
  • Return on equity > 15% -3,946.5%
  • ROCE > 15% -11.3%
  • Expected return > 10% -99.7%

View stocks with the full AAQS score · Read the methodology at AlleAktien

Source: fundamental data

Insiders

Insider Transactions

Reportable transactions by officers and major shareholders from SEC Form 4 filings. "Other" includes things like stock grants and option exercises without a buy/sell character.

Insider Transactions
Date Person Role Type Shares Price Value
Sep 4, 2026 Feierstein Barry Chief Operating Officer Other 18,750 0.00 –
Sep 1, 2026 Tuffin Paula General Counsel and CCO Other 6,132 0.00 –
Sep 1, 2026 Smith Chad M. President, BMC Other 10,000 0.00 –
Sep 1, 2026 Smith Chad M. President, BMC Other 11,243 0.00 –
Aug 19, 2026 Smith Chad M. President, BMC Sell 3,307 12.85 42,508
Aug 6, 2026 Smith Chad M. Pres & COO, Better Mortgage Other 5,000 0.00 –
Aug 1, 2026 Orn Jonsson Sigurgeir Chief Technology Officer Other 1,995 23.50 46,883
Aug 1, 2026 Orn Jonsson Sigurgeir Chief Technology Officer Other 3,906 0.00 –
May 1, 2026 Orn Jonsson Sigurgeir Chief Technology Officer Other 1,409 44.38 62,531
May 1, 2026 Orn Jonsson Sigurgeir Chief Technology Officer Other 3,907 0.00 –

View all insider transactions →

The company

About the 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, ban…

Employees
1,329
Headquarters
New York, NY
Address
1 World Trade Center, 10007 New York, United States
Phone
415 523 8837
Website
better.com
IPO Date
08/24/2023
ISIN
US08774B5084
Stock Split
1:50 on 08/19/2024

Management

Management
Name Title Birth Year
Vishal Garg Founder & Director 1978
Paula A. Tuffin General Counsel, Chief Compliance Officer & Secretary 1963
Chad M. Smith President & COO of Better Mortgage Corporation 1975
Daniel Seth Lewis Interim CEO & Director 1975
Loveen Advani CFO and Principal Financial & Accounting Officer 1977
Barry S. Feierstein Chief Operating Officer 1961
Tarek Afifi Corporate Finance & Investor Relations Manager –
Sigurgeir Jonsson Chief Technology Officer –
Nicholas J. Calamari J.D. Chief Administrative Officer & Senior Counsel 1979
Nick Taylor Head of Real Estate –

Executives per the latest required filings; titles kept in their original language. Source: fundamental data.

Filings

Company Filings (8-K)

An 8-K is the filing a US company must use to disclose material events immediately — takeovers, changes at the top, major contracts or payment troubles, for instance. The links open the original document at the US Securities and Exchange Commission (SEC).

  • 09/08/2026 Better Home & Finance Holding Co (BETR): Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers: Compensatory Arrangements of Certain Officers SEC ↗
  • 09/02/2026 Better Home & Finance Holding Co (BETR): Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers: Compensatory Arrangements of Certain Officers SEC ↗
  • 08/20/2026 Better Home & Finance Holding Co (BETR): Entry into a Material Definitive Agreement; Material Modifications to Rights of Security Holders; Amendments to Articles of Incorporation or Bylaws; Change in Fiscal Year; Other Events; Financial Statements and Exhibits SEC ↗
  • 08/06/2026 Better Home & Finance Holding Co (BETR): Results of Operations and Financial Condition; Financial Statements and Exhibits SEC ↗
  • 08/04/2026 Better Home & Finance Holding Co (BETR): Results of Operations and Financial Condition; Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers: Compensatory Arrangements of Certain Officers; Regulation FD Disclosure; Financial Statements and Exhibits SEC ↗
  • 07/30/2026 Better Home & Finance Holding Co (BETR): Other Events SEC ↗
  • 07/29/2026 Better Home & Finance Holding Co (BETR): Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers: Compensatory Arrangements of Certain Officers SEC ↗

Data as of: September 17, 2026 · Source: fundamental data & SEC filings (annual and quarterly reports, 10-K/10-Q)

Note: pure fact-based analysis, not investment advice and not a solicitation to buy or sell. All figures without guarantee.

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