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Better Home & Finance Holding Co

BETR

$15.52 ▼ -1.11 (-6.65%) at close

6 Visible periods

29 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Poor

Bearish

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Analytical Summary

Better Home & Finance Holding Co faces fundamental challenges with weakness in Profit Margin (%) and Operating Margin (%). The fundamentals warrant careful consideration of downside risks.

Market Cap $238.4M

Dividend Yield —

Revenue Growth 52.0% ↗

Op. Margin -100.6% ↗

ROIC None

FCF / Share None

Trailing P/E —

Price / Book 6.7x

FCF Yield —

Debt / Equity —

info Valuation on last close. End-of-day price, Aug 7, 2026.

6-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$164.87M

↑ +52.0% —

Net Income Profit after all expenses

$-165.87M

↑ +19.6% —

Operating Margin Operating profit as % of sales

-100.6%

↑ +46.9% 2th

trending_up

Bullish Indicators

No bullish signals detected.

warning

Bearish Risks

Operating Margin (%)Operating Margin (%) is in the bottom quartile
Profit Margin (%)Profit Margin (%) is in the bottom quartile

Health Breakdown

Profitability ↑

Financial view

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Cadence

Annual Quarterly

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📈 Is growth accelerating? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗
Revenue Growth YoY (%)	52.0% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+766%)	41.2% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+587%)	-79.7% Weak Weak Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-1428%)	—	—	—
EPS Growth YoY (%)	20.9% Good ↑ Good Improving Year-over-year change in earnings per share Optimal: > 10%	-1076.7% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	61.5% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	—	—	—
Net Income Growth YoY (%)	19.6% Good ↑ Good Improving Year-over-year change in net income	61.5% Excellent ↑ Excellent Improving Year-over-year change in net income	38.8% Excellent Excellent Year-over-year change in net income	-13337.3% Weak Weak Year-over-year change in net income	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	-24.2% Weak Weak Compound annual revenue growth over 3 years	—	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗
Operating Margin (%) (%)	-100.6% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-502%)	-189.4% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-857%)	-379.2% Weak Weak Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-1617%)	-227.2% Weak Weak Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-1009%)	—	—
Effective Tax Rate (%) (%)	-0.0% Excellent ↑ Excellent Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	-0.4% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	-0.4% Excellent Excellent Actual taxes paid relative to pre-tax income Optimal: 15-25%	-0.1% Excellent Excellent Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—
Profit Margin (%) (%)	-100.6% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-557%)	-190.2% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-964%)	—	-232.0% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-1155%)	—	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	-11.0% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-22.6% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-31.1% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-79.3% Weak Weak Operating profit relative to total assets Optimal: > 10%	-2.9% Weak Weak Operating profit relative to total assets Optimal: > 10%	—
Return on Common Equity (%) (%)	—	—	—	145.2% Excellent Excellent Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+1110%)	-91.3% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-861%)	—

⚖️ Is the balance sheet risky? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 6 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗
Revenue per Share (USD)	$10.73	$7.18	$0.17	$1.30	—	—
Basic EPS, GAAP (USD)	$-10.80	$-13.65	$-1.16	$-3.01	—	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A
Book Value per Share (USD)	$2.32	$-3.83	$0.22	$-2.02	$18.02	—
Tangible Book Value per Share (USD)	$0.26	$-6.77	$0.13	$-2.28	$18.02	—
Basic Weighted Avg Shares (shares)	15.36M	15.11M	461.68M	291.30M	396,542	—

🏦 How resilient is the balance sheet? 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity (USD)	$37.18M	$-58.17M	$166.36M	$-604.18M	$7.15M	$0.00

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗
Sales/Revenue/Turnover (USD)	$164.87M	$108.49M	$76.82M	$378.02M	—	—
Depreciation Expense (USD)	$1.00M	$7.10M	$5.80M	$13.70M	—	—
Net Income, GAAP (USD)	$-165.87M	$-206.29M	$-536.42M	$-877.08M	$-6.53M	—
Operating Cash Flow (USD)	$-166.57M	$-379.97M	$-159.72M	$938.25M	$-3.24M	—

🏛️ Sector-Specific 1 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗
Net Interest Margin (approx.) (%)	1.2%	1.9%	0.4%	0.9%	—	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 1 week ago 6 years · 22 quarters

Better Home & Finance Holding Co

Analytical Summary

6-Year Financial Trajectory

Bullish Indicators

Bearish Risks

Health Breakdown

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