BETR

Better Home & Finance Holding Company

Fundamental data last updated:August 12, 2026

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company profile

SECTOR

Financial Services

industry

Financial - Mortgages

Exchange

NASDAQ

County of HQ

US

Next Earnings Date

Pending Announcement

Business Summary

Better Home & Finance Holding Company operates as a homeownership company in the United States. The company provides government-sponsored enterprise (GSE) conforming loans, U.S. Federal Housing Administration insured loans, U.S. Department of Veterans Affairs guaranteed loans, and jumbo loans to GSEs, banks, insurance companies, asset managers, and mortgage real estate investment trusts. It also offers real estate agent services, title insurance and settlement services, and homeowners insurance services. 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.

 


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VALUATION

P/E

-2.50

Market Cap ($M USD)

$443.28M

Forward P/E

-32.52

PEG

-0.35

PRICE TO SALES

2.19

PRICE TO BOOK

54.28

EV / EBITDA

-9.79

5-Year Average P/E

Free Cash Flow Yield

-54.79%

DCF Value

$-90.47

Graham Number

N/A

Price to FCF

-1.83

EV to FCF

-4.45

Earnings Yield

-39.98%

FCF Yield

-54.79%

DIVIDEND

Yield

0.00%

Annual Payout

$0.00

Payout Ratio

0.00%

Consecutive Years of Dividend Growth

5-Year Dividend Growth Rate

Financial Health & Profitability

Earnings Per Share

-$11.31

Next Year EPS Growth Estimate

-$0.87

Next Year Revenue Growth Estimate

$366.10M

Return on Equity (ROE)

-428.29%

FREE CASH FLOW

Operating Margin

-61.39%

Debt-to-Equity

16.55

Piotroski F-Score

2

Altman Z-Score

-2.20

Return on Invested Capital (ROIC)

-11.74%

Current Ratio

0.19

Quick Ratio

0.19

Net Debt to EBITDA

-5.77

Interest Coverage

-2.95

Gross Profit margin

62.22%

FCF PER SHARE

$-14.80

REVENUE PER SHARE

$12.31

Analyze BETR on TradingView

Gainseekers Quantitative Analysis

Summary

The market’s perception of BETR Better Home & Finance Holding Company seems starkly misaligned with its intrinsic value. With a DCF value deeply negative and a Graham Number unavailable, the stock’s valuation is precarious. The Forward P/E of 7.57 suggests some optimism for future earnings, yet the negative Earnings Yield and Altman Z-score of -2.01 signal significant financial distress. The company’s safety and growth prospects appear bleak, with a Return on Equity of -1184.83% underscoring severe management challenges and execution risks. Overall, the financial health is troubling, and the market may be overestimating its recovery potential.

AI Exposure / Tech Reliance

Operating within the Financial - Mortgages industry, BETR is positioned in a sector ripe for AI-driven transformation. The integration of AI could streamline mortgage processing and underwriting, potentially reducing costs and improving customer experience. However, the company's current financial instability may hinder its ability to invest in such technological advancements.

The Bull Case

For the bold value investor, BETR presents a contrarian opportunity. Despite its daunting financial metrics, the Forward PEG ratio of 0.056 suggests potential undervaluation relative to expected growth. The company's gross profit margin of 62.22% indicates some pricing power, and the low Piotroski F-Score of 2 highlights room for operational improvement. If management can harness this potential, there may be a path to capital efficiency and eventual profitability.

The Bear Case

BETR's structural weaknesses are glaring. The Price/Book ratio of 13.27 and Price/Sales of 2.33 reveal a stock trading at a premium despite its financial woes. With a Free Cash Flow Yield of -47.85% and an EV to FCF of -4.30, the company's cash flow situation is dire. The negative EPS and high Debt/Equity ratio of 16.55 further exacerbate the risk, painting a picture of a company struggling to maintain solvency and investor confidence.

Market Sentiment & Smart Money

Short Interest %

Analyst Consensus

Hold

Average Analyst Price Target

$46.50

Institutional Ownership %

1-Year Beta

1.85

Insider Buying % (6 Mo)

Distance to 52-Week High

232.48%

Distance to 52-Week Low

61.79%

EARNINGS SURPRISE %

-73.19%

50-DAY SMA

$34.45

200-DAY SMA

$39.29

⚠️ Financial Disclaimer:
This content is for informational purposes only and is not financial advice. Information may be delayed or inaccurate. We may earn a commission from partner links.