S&P 500 7,420.10 â–ŧ 91.25 (-1.21%) DOW 51,492.55 â–ŧ 507.12 (-0.98%) NASDAQ 26,021.66 â–ŧ 354.69 (-1.34%) US Markets Closed â€ĸ 03:06 AM ET

BETR

Better Home & Finance Holding Company

Price Chart
Latest Quote

$27.18

-2.07 (-7.08%)
Current Price
Previous Close $29.25
Open $28.89
Day High $29.83
Day Low $27.00
Volume 271,998
Fetched: 2026-06-18T07:06:59
Stock Information
Shares Outstanding 13.09M
Total Debt $714.94M
Cash Equivalents $70.28M
Revenue $181.04M
Net Income $-169.25M
Sector Financial Services
Industry Mortgage Finance
Market Cap $512.88M
EPS (TTM) $-10.78
Exchange NGM
🌐 Visit Website
📊 Comprehensive Analysis
Company Data
Enterprise Value$1.20B
Sales$181.04M
Income$-169.25M
Book/sh$0.51
Cash/sh$5.37
Employees1K
Financial Ratios
Quick Ratio0.49
Current Ratio0.52
Debt/Eq8358.99
Returns & Margins
ROA-13.15%
Gross Margin100.00%
Operating Margin-107.38%
Profit Margin-102.53%
Ownership
Insider Ownership30.41%
Institutional Ownership46.52%
Insider & Institutional transactions data not available
Valuation Ratios
Forward P/E23.43
P/S2.83
P/B53.09
Analyst Data
Recommendationbuy
Target Price$41.00
Technical Indicators
SMA20$26.65
SMA50$32.69
SMA200$39.88
RSI46.60
ATR2.3656
Shares Float9.58M
Short Float19.73%
Short Ratio3.62
Volatility1.71
Rel Volume0.79
Performance History
Week+14.54%
Month+8.50%
Quarter-4.53%
6 Months-31.40%
YTD-21.76%
Year+89.41%
3 Years-94.74%
5 Years-94.51%
10 Years-94.75%
Stock Score: ⭐ Premium
Based on debt, profitability, growth, and cash flow metrics
⭐ Premium Feature

Sign up for free to view detailed scoring breakdown — premium is free during our trial period!

Recent Price History
Date Close Volume
2026-06-17 $27.18 283,900
2026-06-16 $29.25 295,400
2026-06-15 $28.83 433,400
2026-06-12 $26.51 367,500
2026-06-11 $24.10 418,800
2026-06-10 $23.73 265,900
2026-06-09 $25.04 280,600
2026-06-08 $25.45 213,200
2026-06-05 $25.62 212,500
2026-06-04 $27.61 359,700
2026-06-03 $26.41 223,100
2026-06-02 $28.34 292,200
2026-06-01 $29.01 247,700
2026-05-29 $29.17 443,400
2026-05-28 $28.29 374,200
2026-05-27 $26.91 410,300
2026-05-26 $26.47 389,200
2026-05-22 $25.61 440,900
2026-05-21 $25.03 562,600
2026-05-20 $24.34 647,400
2026-05-19 $25.26 327,700
2026-05-18 $25.05 511,900
About 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 has a strategic collaboration with Coinbase Global, Inc. for the development of token-backed mortgage products. 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.

Period:
Loading...
Income Statement (Annual)
Metric 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Revenue
Reconciled Cost Of Revenue $231,569,000 $172,441,000 $222,807,000 $648,156,000
Cost Of Revenue $231,569,000 $172,441,000 $222,807,000 $693,570,000
Total Revenue $206,895,000 $120,053,000 $102,113,000 $395,082,000
Operating Revenue $205,213,000 $117,100,000 $99,836,000 $395,082,000
Expenses
Total Expenses $356,370,000 $308,069,000 $382,979,000 $990,458,000
Other Income Expense $-16,344,000 $-17,424,000 $-253,556,000 $22,575,000
Other Non Operating Income Expenses $-16,344,000 $-17,424,000 $-253,556,000 $3,556,000
Operating Expense $124,801,000 $135,628,000 $160,172,000 $296,888,000
Other Operating Expenses $27,053,000 $16,187,000 $37,608,000 -
Selling And Marketing Expense $38,356,000 $33,984,000 $19,523,000 $69,008,000
General And Administrative Expense $45,323,000 $52,230,000 $60,150,000 $99,563,000
Interest Expense - - $31,596,000 $303,176,000
Rent Expense Supplemental - - $4,219,000 $1,321,000
Net Non Operating Interest Income Expense - - $-31,596,000 $-303,176,000
Interest Expense Non Operating - - $31,596,000 $303,176,000
Income & Earnings
Net Income From Continuing Operation Net Minority Interest $-165,872,000 $-206,290,000 $-536,420,000 $-877,077,000
Normalized Income $-165,872,000 $-206,290,000 $-536,420,000 $-892,102,010
Net Income From Continuing And Discontinued Operation $-165,872,000 $-206,290,000 $-536,420,000 $-877,077,000
Net Income Common Stockholders $-165,872,000 $-206,290,000 $-536,420,000 $-877,077,000
Net Income $-165,872,000 $-206,290,000 $-536,420,000 $-877,077,000
Net Income Including Noncontrolling Interests $-165,872,000 $-206,290,000 $-536,420,000 $-877,077,000
Net Income Continuous Operations $-165,872,000 $-206,290,000 $-536,420,000 $-877,077,000
Pretax Income $-165,819,000 $-205,440,000 $-534,422,000 $-875,977,000
Operating Income $-149,475,000 $-188,016,000 $-280,866,000 $-595,376,000
Depreciation Amortization Depletion Income Statement $14,069,000 $33,227,000 $42,891,000 $4,009,000
Depreciation And Amortization In Income Statement $14,069,000 $33,227,000 $42,891,000 $4,009,000
Gross Profit $-24,674,000 $-52,388,000 $-120,694,000 $-298,488,000
Net Interest Income - - $-31,596,000 $-303,176,000
Total Operating Income As Reported - - $-291,276,000 $-858,920,000
Special Income Charges - - $-17,459,000 $-246,485,000
Per Share
Diluted EPS $-10.80 $-13.65 $-58.09 $-59.46
Basic EPS $-10.80 $-13.65 $-58.09 $-59.46
Other
Tax Effect Of Unusual Items $0 $0 $0 $3,993,990
Tax Rate For Calcs $0 $0 $0 $0
Normalized EBITDA (Bullshit earnings) $-135,406,000 $-154,789,000 $-237,975,000 $-542,397,000
Reconciled Depreciation $14,069,000 $33,227,000 $42,891,000 $49,423,000
EBITDA (Bullshit earnings) $-135,406,000 $-154,789,000 $-237,975,000 $-523,378,000
EBIT $-149,475,000 $-188,016,000 $-280,866,000 $-572,801,000
Diluted Average Shares $15,358,433 $15,111,701 $9,233,683 $14,751,708
Basic Average Shares $15,358,433 $15,111,701 $9,233,683 $14,751,708
Diluted NI Availto Com Stockholders $-165,872,000 $-206,290,000 $-536,420,000 $-877,077,000
Tax Provision $53,000 $850,000 $1,998,000 $1,100,000
Selling General And Administration $83,679,000 $86,214,000 $79,673,000 $168,571,000
Other Gand A $45,323,000 $52,230,000 $60,150,000 $78,332,000
Total Unusual Items - - $-254,303,000 $19,019,000
Total Unusual Items Excluding Goodwill - - $-254,303,000 $19,019,000
Other Special Charges - - $-3,891,000 $1,000
Write Off - - $311,000 $131,724,000
Impairment Of Capital Assets - - $12,787,000 $12,500,000
Restructuring And Mergern Acquisition - - $8,252,000 $102,261,000
Gain On Sale Of Security - - $-236,844,000 $265,504,000
Research And Development - - $83,815,000 $124,308,000
Rent And Landing Fees - - $4,219,000 $1,321,000
Salaries And Wages - - $37,204,000 $19,910,000
Fetched: 2026-06-11
Balance Sheet (Annual)
Metric 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Assets
Net Tangible Assets $4,203,000 $-102,721,000 $52,084,000 $-247,287,000
Total Assets $1,505,434,000 $913,057,000 $905,554,000 $1,083,352,000
Total Non Current Assets $43,811,000 $51,194,000 $108,674,000 $389,188,000
Financial Assets $4,210,000 $2,539,000 $1,716,000 $239,651,000
Goodwill And Other Intangible Assets $32,980,000 $44,551,000 $70,516,000 $79,384,000
Other Intangible Assets $21,985,000 $20,936,000 $38,126,000 $61,996,000
Current Assets $1,461,623,000 $861,863,000 $796,880,000 $694,164,000
Assets Held For Sale Current $8,687,000 $10,411,000 $0 -
Restricted Cash $17,140,000 $24,416,000 $24,475,000 $28,106,000
Prepaid Assets $21,298,000 $28,410,000 $43,038,000 $46,350,000
Receivables $1,211,064,000 $533,751,000 $200,179,000 $300,610,000
Other Receivables $14,808,000 $17,549,000 $16,888,000 $17,526,000
Taxes Receivable $6,242,000 $5,484,000 $8,348,000 $18,139,000
Loans Receivable $1,190,014,000 $510,718,000 $174,943,000 $264,945,000
Cash Cash Equivalents And Short Term Investments $203,434,000 $264,875,000 $529,188,000 $317,959,000
Cash And Cash Equivalents $99,827,000 $211,101,000 $503,591,000 $317,959,000
Other Non Current Assets - - $4,793,000 -
Inventory - - $0 $1,139,000
Debt
Net Debt $510,837,000 $552,718,000 $137,271,000 $720,493,000
Total Debt $615,293,000 $767,900,000 $672,064,000 $1,095,960,000
Long Term Debt And Capital Lease Obligation $203,431,000 $523,830,000 $545,846,000 $951,911,000
Long Term Debt $198,802,000 $519,749,000 $514,644,000 $894,403,000
Current Debt And Capital Lease Obligation $411,862,000 $244,070,000 $126,218,000 $144,049,000
Current Debt $411,862,000 $244,070,000 $126,218,000 $144,049,000
Other Current Borrowings - - - $750,000,000
Liabilities
Total Liabilities Net Minority Interest $1,468,251,000 $971,227,000 $782,954,000 $1,251,255,000
Total Non Current Liabilities Net Minority Interest $213,871,000 $535,665,000 $574,691,000 $986,563,000
Other Non Current Liabilities $2,265,000 $2,905,000 $6,093,000 $1,000
Derivative Product Liabilities $6,172,000 $4,312,000 $9,373,000 $7,906,000
Current Liabilities $1,254,380,000 $435,562,000 $208,263,000 $264,692,000
Other Current Liabilities $4,802,000 $6,116,000 - -
Current Deferred Liabilities $762,984,000 $137,168,000 $12,111,000 $30,205,000
Payables And Accrued Expenses $74,732,000 $48,208,000 $69,934,000 $90,438,000
Payables $74,732,000 $48,208,000 $69,934,000 $90,438,000
Other Payable $172,000 $74,000 $3,376,000 $8,001,000
Accounts Payable $74,560,000 $48,134,000 $66,558,000 $82,437,000
Equity
Common Stock Equity $37,183,000 $-58,170,000 $122,600,000 $-604,183,000
Total Equity Gross Minority Interest $37,183,000 $-58,170,000 $122,600,000 $-167,903,000
Stockholders Equity $37,183,000 $-58,170,000 $122,600,000 $-167,903,000
Gains Losses Not Affecting Retained Earnings $3,657,000 $-1,936,000 $-1,714,000 $-1,423,000
Retained Earnings $-2,076,238,000 $-1,910,366,000 $-1,704,076,000 $-1,167,656,000
Other Equity Interest - $-9,158,000 $-10,111,000 $-53,225,000
Preferred Stock Equity - - - $436,280,000
Other
Ordinary Shares Number $15,996,907 $15,168,795 $15,035,467 $14,751,708
Share Issued $15,996,907 $15,168,795 $15,035,467 $14,751,708
Tangible Book Value $4,203,000 $-102,721,000 $52,084,000 $-683,567,000
Invested Capital $647,847,000 $705,649,000 $763,462,000 $434,269,000
Working Capital $207,243,000 $426,301,000 $588,617,000 $429,472,000
Capital Lease Obligations $4,629,000 $4,081,000 $31,202,000 $57,508,000
Total Capitalization $235,985,000 $461,579,000 $637,244,000 $726,500,000
Additional Paid In Capital $2,109,762,000 $1,863,288,000 $1,838,499,000 $618,111,000
Capital Stock $2,000 $2,000 $2,000 $436,290,000
Common Stock $2,000 $2,000 $2,000 $10,000
Long Term Capital Lease Obligation $4,629,000 $4,081,000 $31,202,000 $57,508,000
Long Term Provisions $4,268,000 $7,523,000 $19,472,000 $26,745,000
Current Deferred Revenue $762,984,000 $137,168,000 $12,111,000 $30,205,000
Line Of Credit $411,862,000 $244,070,000 $126,218,000 $144,049,000
Goodwill $10,995,000 $23,615,000 $32,390,000 $17,388,000
Net PPE $6,621,000 $4,104,000 $36,442,000 $70,153,000
Accumulated Depreciation $-5,414,000 $-6,795,000 $-17,896,000 $-19,741,000
Gross PPE $12,035,000 $10,899,000 $54,338,000 $89,894,000
Leases $2,594,000 $2,509,000 $12,248,000 $21,661,000
Other Properties $4,678,000 $1,387,000 $19,988,000 $43,484,000
Machinery Furniture Equipment $4,763,000 $7,003,000 $19,072,000 $21,719,000
Properties $0 $0 $0 $0
Other Short Term Investments $103,607,000 $53,774,000 $25,597,000 $0
Land And Improvements - $0 $3,030,000 $3,030,000
Preferred Stock - - $0 $436,280,000
Other Inventories - - - $1,139,000
Fetched: 2026-06-11
Cash Flow Statement (Annual)
Metric 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Free Cash Flow
Free Cash Flow $-177,804,000 $-390,053,000 $-169,498,000 $902,968,000
Operating Activities
Operating Cash Flow $-166,575,000 $-379,971,000 $-159,720,000 $938,251,000
Cash Flow From Continuing Operating Activities $-166,575,000 $-379,971,000 $-159,720,000 $938,251,000
Operating Gains Losses $-512,000 $-2,609,000 $237,296,000 $-259,809,000
Investing Activities
Capital Expenditure $-11,229,000 $-10,082,000 $-9,778,000 $-35,283,000
Investing Cash Flow $-661,507,000 $-143,810,000 $-38,594,000 $-34,582,000
Cash Flow From Continuing Investing Activities $-661,507,000 $-143,810,000 $-38,594,000 $-34,582,000
Net Other Investing Changes $-603,916,000 $-108,112,000 - -
Capital Expenditure Reported $-10,036,000 $-6,694,000 $-9,322,000 $-23,548,000
Financing Activities
Issuance Of Capital Stock $29,221,000 $0 $16,351,000 $0
Financing Cash Flow $714,336,000 $239,131,000 $381,402,000 $-1,537,204,000
Cash Flow From Continuing Financing Activities $714,336,000 $239,131,000 $381,402,000 $-1,537,204,000
Net Other Financing Charges $628,854,000 $122,291,000 $260,000 -
Net Common Stock Issuance $29,221,000 $0 $16,351,000 $-7,948,000
Common Stock Issuance $29,221,000 $0 $16,351,000 $0
Repurchase Of Capital Stock - - $0 $-7,948,000
Other
Repayment Of Debt $-111,606,000 $-1,103,000 $-165,342,000 $-11,661,549,000
Issuance Of Debt $167,792,000 $117,852,000 $528,586,000 $10,131,559,000
Interest Paid Supplemental Data $21,753,000 $13,822,000 $12,044,000 $13,069,000
Income Tax Paid Supplemental Data $1,707,000 - - $1,828,000
End Cash Position $116,615,000 $235,517,000 $528,066,000 $346,065,000
Other Cash Adjustment Outside Changein Cash $2,346,000 $-7,682,000 $0 -
Beginning Cash Position $235,517,000 $528,066,000 $346,065,000 $978,874,000
Effect Of Exchange Rate Changes $-7,502,000 $-217,000 $-1,087,000 $726,000
Changes In Cash $-113,746,000 $-284,650,000 $183,088,000 $-633,535,000
Proceeds From Stock Option Exercised $75,000 $91,000 $1,547,000 $734,000
Net Issuance Payments Of Debt $56,186,000 $116,749,000 $363,244,000 $-1,529,990,000
Net Long Term Debt Issuance $56,186,000 $116,749,000 $363,244,000 $-1,529,990,000
Long Term Debt Payments $-111,606,000 $-1,103,000 $-165,342,000 $-11,661,549,000
Long Term Debt Issuance $167,792,000 $117,852,000 $528,586,000 $10,131,559,000
Net Investment Purchase And Sale $-46,362,000 $-28,554,000 $-16,867,000 $0
Sale Of Investment $446,726,000 $183,309,000 $31,321,000 $0
Purchase Of Investment $-493,088,000 $-211,863,000 $-48,188,000 $0
Net PPE Purchase And Sale $-1,193,000 $-450,000 $308,000 $-7,187,000
Sale Of PPE $0 $2,938,000 $764,000 $4,548,000
Purchase Of PPE $-1,193,000 $-3,388,000 $-456,000 $-11,735,000
Change In Working Capital $26,327,000 $-10,280,000 $-52,934,000 $-48,534,000
Change In Other Current Liabilities $-2,972,000 $-4,714,000 $-40,698,000 $-35,964,000
Change In Payables And Accrued Expense $17,512,000 $-20,517,000 $-26,836,000 $-47,111,000
Change In Payable $17,512,000 $-20,517,000 $-26,836,000 $-47,111,000
Change In Account Payable $17,028,000 $-21,084,000 $-22,211,000 $-43,557,000
Change In Prepaid Assets $9,492,000 $16,859,000 $14,697,000 $-2,942,000
Change In Receivables $2,295,000 $-1,908,000 $-97,000 $37,483,000
Other Non Cash Items $-65,930,000 $-226,600,000 $87,649,000 $1,810,451,000
Stock Based Compensation $20,432,000 $26,753,000 $54,160,000 $30,542,000
Unrealized Gain Loss On Investment Securities $-7,357,000 $-2,321,000 $26,000 $54,266,000
Provisionand Write Offof Assets $-237,000 $-8,256,000 $-1,823,000 $33,518,000
Asset Impairment Charge $12,505,000 $16,405,000 $9,435,000 $145,471,000
Depreciation Amortization Depletion $14,069,000 $33,227,000 $42,891,000 $49,423,000
Depreciation And Amortization $14,069,000 $33,227,000 $42,891,000 $49,423,000
Amortization Cash Flow $13,025,000 $26,138,000 $37,054,000 $35,749,000
Amortization Of Intangibles $13,025,000 $26,138,000 $37,054,000 $35,749,000
Depreciation $1,044,000 $7,089,000 $5,837,000 $13,674,000
Gain Loss On Investment Securities $-1,204,000 $-2,609,000 $237,296,000 $-259,809,000
Net Income From Continuing Operations $-165,872,000 $-206,290,000 $-536,420,000 $-877,077,000
Net Business Purchase And Sale - $0 $-12,713,000 $-3,847,000
Purchase Of Business - $0 $-12,713,000 $-3,847,000
Common Stock Payments - - $0 $-7,948,000
Net Short Term Debt Issuance - - $-17,831,000 $-1,523,868,000
Short Term Debt Payments - - $-2,709,799,000 $-11,655,427,000
Short Term Debt Issuance - - $2,691,968,000 $10,131,559,000
Net Intangibles Purchase And Sale - - - $0
Sale Of Intangibles - - - $0
Change In Other Current Assets - - - $-13,608,000
Fetched: 2026-06-11