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Better Home & Finance Holding Co

BETR Nasdaq Loan Brokers Financials FY2021โ€“FY2025

Last close ยท Oct 23, 2026

$16.72

0.8%
Compare
Revenue Total sales reported in the income statement.
$165M
52.0% vs prior year
Operating margin Operating income as a share of revenue.
โ€”
Net income Profit after all expenses, interest and tax.
โˆ’$166M
Free cash flow Cash from operations minus capital spending.
โˆ’$168M
Return on capital After-tax operating income as a share of the money invested in the business: debt plus equity, minus cash.
โ€”
Market cap Last close times the latest diluted share count, so it is approximate.
$312M
Oct 23 close
P/E Last close divided by diluted earnings per share over the last four quarters.
โ€”
On โˆ’$11.01 EPS (TTM)

What Better Home & Finance Holding Co does

No business description yet.

Legal name
Better Home & Finance Holding Co
Fiscal year ends
December 31, 2025
Latest annual report
10-K ยท Mar 13, 2026
Accession ยท CIK
0001628280-26-017747
0001835856

Revenue and margins

Better Home & Finance Holding Co had $165M of revenue in fiscal 2025, up 52.0% on the year before.

Revenue
Revenue
Margins, % of revenue
Gross Operating Net FCF
Margins, % of revenue
Gross Operating Net FCF

Net income and earnings per share

Loss periods are shown in red.

Net income
Net income
Diluted EPS
Diluted EPS

Returns on capital

After-tax operating income as a share of the money invested in the business: debt plus equity, minus cash.

Return on capital, equity and assets (annual)
Return on capital Return on equity Return on assets

Cash flow

Free cash flow was โˆ’$168M in fiscal 2025, โˆ’101.8% of revenue. Cash from operations minus capital spending.

Free cash flow
Free cash flow
Cash from operations vs capital spending
Cash from operations Capital spending
Cash from operations vs capital spending
Cash from operations Capital spending

Dividends, buybacks and share count

Better Home & Finance Holding Co returned โ€” to shareholders in fiscal 2025. The diluted share count rose 1.6%.

Dividends and buybacks
Dividends Buybacks
Dividends and buybacks
Dividends Buybacks
Diluted shares outstanding (annual)

Balance sheet

Cash, debt and the ratios that show how comfortably Better Home & Finance Holding Co can carry it.

Cash vs debt (incl. leases)
Cash Debt
Fiscal year endFY21FY22FY23FY24FY25
Cash and short-term investments $0.0M$318M$529M$265M$183M
Interest coverage โ€”โˆ’50.4xโˆ’24.9xโ€”โ€”
Current ratio 0.2x0.0xโ€”โ€”โ€”
Quick ratio 0.2xโˆ’0.0xโ€”โ€”โ€”
Total assets $279M$1.1B$906M$913M$1.5B
Total liabilities $28.9M$1.3B$783M$971M$1.5B
Shareholders' equity $243Mโˆ’$604M$123Mโˆ’$58.2M$37.2M
Net debt (โˆ’ = net cash) โ€”โ€”โ€”โ€”โ€”

Insider trades

Open-market purchases and sales by officers, directors and 10% owners, from Form 4 filings. โ€œPlanโ€ marks trades under a pre-arranged Rule 10b5-1 plan.

Bought, 12 months

$0.0M

0 insiders

Sold, 12 months

$0.0M

0 insiders

Of sales under plans

โ€”

$0.0M

No open-market insider trades in the last 12 months.

Piotroski F-score

Nine pass/fail tests of profitability, funding and efficiency. 8โ€“9 is strong, 0โ€“2 weak.

TestFY21FY22FY23FY24FY25
Net income is positive โœ• โœ• โœ• โœ• โœ•
Cash from operations is positive โœ• โœ“ โœ• โœ• โœ•
Return on assets rose โ€” โœ• โœ“ โœ“ โœ“
Cash from operations exceeds net income โœ“ โœ“ โœ“ โœ• โœ•
Debt fell relative to assets โ€” โ€” โ€” โ€” โ€”
Current ratio rose โ€” โœ• โ€” โ€” โ€”
Share count didn't rise โ€” โ€” โœ“ โœ• โœ•
Gross margin rose โ€” โ€” โ€” โ€” โ€”
Revenue rose relative to assets โ€” โ€” โœ• โœ“ โœ•
F-score โ€” / 3โ€” / 5โ€” / 6โ€” / 6โ€” / 6
Accruals ratio โˆ’1.2%โˆ’266.5%โˆ’37.9%19.1%0.1%
Altman Z'' 8.39โˆ’9.44โ€”โ€”โ€”

5 years of figures

Amounts in USD. Hover a ratioโ€™s name for its definition.

Download CSV
Fiscal yearFY21FY22FY23FY24FY25
Income statement
Revenue โ€” $12.3M $0.0M $108M $165M
Net interest income โ€” $9.7M โˆ’$2.6M $17.5M $17.4M
Research and development โ€” $124M $39.4M $26.1M $27.9M
Operating income โˆ’$8.1M โˆ’$859M โˆ’$291M โ€” โ€”
Interest expense โ€” $17.1M $11.7M โ€” โ€”
Pretax income โ€” โˆ’$876M โˆ’$534M โˆ’$205M โˆ’$166M
Income tax โ€” $1.1M $2.0M $0.9M $0.1M
Net income โˆ’$6.5M โˆ’$877M โˆ’$536M โˆ’$206M โˆ’$166M
Net income to common โ€” โˆ’$877M โˆ’$536M โˆ’$206M โˆ’$166M
Diluted EPS โ€” โˆ’$3.01 โˆ’$58.09 โˆ’$13.65 โˆ’$10.80
Diluted shares โ€” 0.29B 0.01B 0.02B 0.02B
Cash flow
Cash from operations โˆ’$3.2M $938M โˆ’$160M โˆ’$380M โˆ’$167M
Capital expenditure โ€” $11.7M $0.5M $3.4M $1.2M
Free cash flow โ€” $927M โˆ’$160M โˆ’$383M โˆ’$168M
Depreciation and amortization โ€” $13.7M $5.8M $7.1M $1.0M
Stock-based compensation โ€” $30.5M $54.2M $26.8M $20.4M
Acquisitions โ€” $3.8M $12.7M $0.0M โ€”
Share buybacks โ€” $7.9M $0.0M โ€” โ€”
Dividends and buybacks โ€” $7.9M $0.0M โ€” โ€”
Balance sheet
Cash and short-term investments $0.0M $318M $529M $265M $183M
Finance lease liabilities โ€” $1.1M $0.0M โ€” โ€”
Loans, net โ€” โ€” $4.8M $111M $723M
Deposits โ€” $0.0M $11.8M $134M $763M
Current assets $1.1M $0.4M โ€” โ€” โ€”
Current liabilities $7.1M $15.0M โ€” โ€” โ€”
Inventory โ€” $1.1M $0.0M โ€” โ€”
Goodwill $18.7M $17.4M $32.4M $23.6M $11.0M
Intangible assets โ€” $62.0M $38.1M $20.9M $17.3M
Total assets $279M $1.1B $906M $913M $1.5B
Total liabilities $28.9M $1.3B $783M $971M $1.5B
Preferred stock $0.0M โ€” โ€” โ€” โ€”
Shareholders' equity $243M โˆ’$604M $123M โˆ’$58.2M $37.2M
Margins
Operating margin โ€” โˆ’6,975.7% โ€” โ€” โ€”
EBITDA margin โ€” โˆ’6,864.5% โ€” โ€” โ€”
Net margin โ€” โˆ’7,123.2% โ€” โˆ’190.2% โˆ’100.6%
FCF margin โ€” 7,524.7% โ€” โˆ’353.4% โˆ’101.8%
Net interest share of revenue โ€” 78.4% โ€” 16.1% 10.6%
Returns
Return on capital employed โˆ’3.0% โˆ’80.4% โ€” โ€” โ€”
Return on equity โˆ’2.7% โ€” โ€” โˆ’640.4% โ€”
Return on assets โˆ’2.3% โˆ’128.8% โˆ’53.9% โˆ’22.7% โˆ’13.7%
Return on tangible equity โˆ’2.9% โ€” โˆ’1,029.9% โ€” โˆ’1,876.6%
Growth
Revenue growth โ€” โ€” โˆ’100.0% โ€” 52.0%
FCF growth โ€” โ€” โˆ’117.3% โ€” โ€”
Share count change โ€” โ€” โˆ’96.8% 63.7% 1.6%
Financial health
Interest coverage โ€” โˆ’50.4x โˆ’24.9x โ€” โ€”
Current ratio 0.2x 0.0x โ€” โ€” โ€”
Quick ratio 0.2x โˆ’0.0x โ€” โ€” โ€”
Loans / deposits โ€” โ€” 40.6% 83.1% 94.8%
Capital allocation
Capex / revenue โ€” 95.3% โ€” 3.1% 0.7%
Stock comp / revenue โ€” 248.0% โ€” 24.7% 12.4%
Payouts / FCF โ€” 0.9% โ€” โ€” โ€”
Quality scores
Altman Z'' 8.4 โˆ’9.4 โ€” โ€” โ€”
Accruals ratio โˆ’1.2% โˆ’266.5% โˆ’37.9% 19.1% 0.1%

Source: SEC EDGAR XBRL filings (CIK 0001835856). Data updated October 24, 2026. Quarterly fourth quarters are the full year minus the first nine months. For information only โ€” not investment advice. Check the original filings before relying on any figure.

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