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Better Home & Finance Holding Co

BETR

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Financial Statements

Values in Millions ($)
2026-06-30
2026-03-31
2025-12-31
2025-09-30
2025-06-30
2025-03-31
2024-12-31
2024-09-30
2024-06-30
2024-03-31
2023-12-31
2023-09-30
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Subscriber-only column
Discontinued Operations Heldforsale
-6----------
Segment Discontinued Operations
-835----------
Cash And Cash Equivalents At Carrying Value
10264100747595211208321425504527
Restricted Cash
1091713622242926262428
Short Term Investments
--104132134117545458582630
Mortgages Held For Sale Fair Value Disclosure
511563467414448413399339349166170160
Financing Receivable Excluding Accrued Interest Af…
--7236234212071118131-5-
Other Receivables
181615333129181720111710
Assets Of Disposal Group Including Discontinued Op…
--9891110---0-
Property Plant And Equipment And Finance Lease Rig…
-2222231316161618
Operating Lease Right Of Use Asset
5455561318192024
Intangible Assets Net Excluding Goodwill
171822222120212526313848
Goodwill
111111251111243332323231
Derivative Assets
464554345224
Embedded Derivative Fair Value Of Embedded Derivat…
----------00
Prepaid Expense And Other Assets
323328303336343755565156
Assets
1,5421,5691,5051,3841,2321,005913845958842906937
Liabilities And Stockhold…
Liabilities
Warehouse Agreement Borrowings
45450841235037123624413424712612674
Convertible Notes Payable
--000521520518516515515513
Senior Notes
199199199199200-0-----
Contract With Customer Liability Current
--7636954822611349837121210
Line Of Credit
----------00
Liabilities Of Disposal Group Including Discontinu…
--55766---0-
Bridge Loan
----------00
Accounts Payable And Accrued Liabilities Current A…
5060757464594869625667103
Derivative Liabilities
-------00112
Operating Lease Liability
5455674527293133
Warrants And Rights Outstanding
----------00
Other Liabilities
66772015131517222640
Liabilities
1,4841,5601,4681,3421,1551,107971845913765783780
Stockholders Equity
Temporary Equity Shares Authorized
----------00
Temporary Equity Shares Issued
----------0-
Common Stock Value
000000000000
Stockholders Equity Note Subscriptions Receivable
--0-9-9-9-9-9-9-11-10-10
Temporary Equity Carrying Amount Attributable To P…
----------00
Additional Paid In Capital
2,2332,1532,1102,0842,0771,8681,8631,8581,8521,8451,8381,827
Retained Earnings Accumulated Deficit
-2,177-2,147-2,076-2,036-1,997-1,961-1,910-1,851-1,797-1,756-1,704-1,657
Accumulated Other Comprehensive Income Loss Net Of…
224460-23-1-2-2-2
Stockholders Equity
589374277-102-5804576123166
Liabilities And Stockholders Equity
1,5421,5691,5051,3841,2321,005913845958842906937
Related Party
-000000--0000
Financing Receivable Allowance For Credit Loss Exc…
--22332-0-0-
Temporary Equity Par Or Stated Value Per Share
----------00
Common Stock Par Or Stated Value Per Share
0000000-0000
Temporary Equity Shares Outstanding
----------00
Common Stock Shares Authorized
66666666666666-3,3003,300663,300
Common Stock Shares Issued
19171615151515-15151515
Shares Outstanding
19171615151515-15151515
Stockholders Equity Note Stock Split Conversion Ra…
--0---0---0-

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Earnings Market Reaction

Fiscal Year
Q1 1 Month
Q1 2 Month
Q1 3 Month
Q2 1 Month
Q2 2 Month
Q2 3 Month
Q3 1 Month
Q3 2 Month
Q3 3 Month
Q4 1 Month
Q4 2 Month
Q4 3 Month
2026-17.49%-7.89%-31.47%---------
2025-14.74%-1.64%-0.37%35.58%240.50%314.08%-20.85%-39.49%-47.20%9.17%28.82%-15.33%
2024-13.92%17.22%16.46%-12.70%-17.38%-23.14%-6.54%-27.63%-25.20%-12.66%18.44%-2.93%
2023------0.23%57.01%45.56%-16.02%-28.57%-0.65%

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Performance and Valuation Metrics

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Metrics
2026-06-30
2026-03-31
2025-12-31
2025-09-30
2025-06-30
2025-03-31
2024-12-31
2024-09-30
2024-06-30
2024-03-31
2023-12-31
2023-09-30
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Leverage & Debt
Interest Coverage TTM
-12.97
-12.80
-10.52
-13.51
-14.77
-13.16
-12.06
-19.97
-24.06
-31.12
-24.85
-42.11
Per Share Metrics
Diluted EPS TTM
-9.65
-11.31
-10.80
-12.13
-13.19
-13.54
-13.65
-13.09
-32.97
-33.18
-58.09
-137.38
Free Cash Flow Per Share TTM
-4.75
-14.38
-10.92
-10.43
-11.50
-26.21
-25.37
-23.63
-18.76
-2.70
-17.35
85.72
Dividend Per Share TTM
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Margin Metrics
Gross Profit Margin TTM
755.79%
601.43%
479.18%
315.26%
262.35%
253.98%
266.73%
-349.23%
-517.05%
-412.19%
-340.74%
-162.04%
Operating Profit Margin TTM
-2,502.43%
-1,944.12%
-1,467.55%
-1,290.03%
-1,371.33%
-1,457.02%
-1,594.04%
-3,055.36%
-3,128.04%
-2,437.38%
-1,808.16%
-911.85%
Net Profit Margin TTM
-2,648.26%
-2,111.55%
-1,468.02%
-1,357.89%
-1,437.62%
-1,496.65%
-1,600.64%
-1,765.50%
-4,095.17%
-3,578.10%
-3,329.94%
-1,313.69%
Growth Metrics
Net Revenue Growth (1Y)
-51.22%
-35.93%
-12.33%
21.62%
14.63%
-1.87%
-20.00%
-89.20%
-89.05%
-86.84%
-84.10%
836.79%
Net Income Growth (1Y)
-10.14%
-9.61%
-19.59%
-6.46%
-59.76%
-58.95%
-61.54%
-85.49%
-50.80%
-48.19%
-38.84%
-32,696.89%
EPS Growth (1Y)
-26.84%
-16.46%
-20.88%
-7.33%
-60.00%
-59.19%
-76.50%
-90.47%
-80.56%
-79.56%
-61.41%
-1,695.15%
Valuation Metrics
P/E TTM
-2.85
-3.15
-3.02
-4.63
-0.94
-0.81
-0.65
-1.36
-0.70
-0.75
-0.70
-0.17
P/B TTM
8.86
68.34
13.46
20.44
2.46
-1.62
-2.32
694.13
7.71
4.91
3.08
1.43
P/S TTM
75.49
66.49
44.29
62.84
13.51
12.07
10.46
24.02
28.51
26.80
23.42
2.29
Market Cap
512.98M
584.53M
500.38M
856.88M
188.17M
165.54M
134.80M
269.32M
346.45M
374.73M
377.20M
237.86M
Enterprise Value
599.90M
709.65M
582.56M
981.79M
313.33M
48.79M
-100.72M
32.24M
-947.80K
-75.87M
-150.87M
-316.71M
Calculated Values
Free Cash Flow TTM
-88.56M
-235.93M
-167.77M
-159.26M
-174.65M
-397.47M
-383.36M
-357.29M
-283.19M
-40.65M
-160.18M
851.35M
Net Debt
86.92M
125.13M
82.19M
124.91M
125.16M
-116.75M
-235.52M
-237.08M
-347.40M
-450.60M
-528.07M
-554.57M
Per-Share and Margin
EPS TTM
Adjusted EPS TTM
Cash Flow Per Share TTM
Pretax Margin TTM
Stock Comp to Revenue TTM
Turnover Ratios and Averages
Average Assets
Average Equity
Average Inventory
Average Receivables
Average Accounts Payables
Inventory Turnover TTM
Payables Turnover TTM
Days Inventory Outstanding TTM
Days Payables Outstanding TTM
Cash Conversion Cycle TTM
Working Capital to Revenue
Deferred Revenue to Revenue
Growth Rates
Total Assets Growth (1Y)
Total Assets Growth (3Y)
Total Assets Growth (5Y)
Dividends Paid Growth (1Y)
Dividends Paid Growth (3Y)
Dividends Paid Growth (5Y)
EPS Growth (3Y)
EPS Growth (5Y)
Net Income Growth (3Y)
Net Income Growth (5Y)
Net Profit Margin Growth (1Y)
Net Profit Margin Growth (3Y)
Net Profit Margin Growth (5Y)
Net Revenue Growth (3Y)
Net Revenue Growth (5Y)
Deferred Revenue Growth (1Y)
Retained Earnings Growth (1Y)
Credit, Liquidity, Returns, Payout
Cash Ratio
Net Working Capital
Debt to EBITDA TTM
Net Debt to EBITDA TTM
Net Debt to Equity
Altman A
Altman B
Altman C
Altman D
Altman E
Altman Z-Score
ROA TTM
ROE TTM
NOPAT TTM
ROIC TTM
Effective Tax Rate TTM
Payout Ratio TTM
Dilution Ratio
Retained Earnings to Equity
Treasury Stock to Equity
Treasury Stock Change (1Y)
Accrued to Current Liabilities
NCAV
NCAV Per Share TTM
Valuation Ratios
P/CF TTM
Dividend Yield TTM
Free Cash Flow Yield TTM
EV EBITDA TTM
EV EBIT TTM
Stock Compensation TTM
Adjusted Net Income TTM
Billings TTM
Total Debt
Invested Capital

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Insider Transactions

2026-06-11Purchase
Owner: Frater, Hugh R
Title: -
Shares: 5,150
Price/Share: $24.34
Value: $125,351.00
Shares Owned: 6,326
Relationship: Director
Ownership: Direct
2026-05-22Purchase
Owner: Talwar, Harit
Title: -
Shares: 5,000
Price/Share: $25.34
Value: $126,700.00
Shares Owned: 44,698
Relationship: Director
Ownership: Direct
2026-05-21Purchase
Owner: Garg, Vishal
Title: Chief Executive Officer
Shares: 15,600
Price/Share: $24.89
Value: $388,284.00
Shares Owned: 118,260
Relationship: Director,Officer,TenPercentOwner
Ownership: Direct
2026-05-20Purchase
Owner: Garg, Vishal
Title: Chief Executive Officer
Shares: 15,600
Price/Share: $24.99
Value: $389,844.00
Shares Owned: 102,660
Relationship: Director,Officer,TenPercentOwner
Ownership: Direct
2026-05-18Purchase
Owner: Garg, Vishal
Title: Chief Executive Officer
Shares: 15,600
Price/Share: $24.88
Value: $388,128.00
Shares Owned: 87,060
Relationship: Director,Officer,TenPercentOwner
Ownership: Direct

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Institutional Ownership

No data available for chart
2026-03-31
32.33%
Inst. Shares: 5,305,250
Shares Outstanding: 16,410,119
2025-12-31
30.67%
Inst. Shares: 4,710,537
Shares Outstanding: 15,358,433
2025-09-30
21.35%
Inst. Shares: 3,258,441
Shares Outstanding: 15,263,321
2025-06-30
29.01%
Inst. Shares: 4,405,897
Shares Outstanding: 15,187,558
2025-03-31
26.69%
Inst. Shares: 4,048,736
Shares Outstanding: 15,166,729

Better Home & Finance Holding Co (BETR) — SEC Financial Statements & Analysis

Better Home & Finance Holding Co (BETR) is a loan brokers company. Better Home & Finance Holding Co trades on Nasdaq as: BETR, BETRW. Based on its latest SEC filing (Form 10-Q, period ending 2026-06-30), Better Home & Finance Holding Co reported a -51.22% year-over-year revenue growth, a Gross Profit Margin of 755.79% (TTM), a Price-to-Sales (P/S) ratio of 75.49x (TTM), a Price-to-Book (P/B) ratio of 8.86x (TTM), at a market cap of $512.98M. Figures below are sourced from SEC EDGAR, as-filed.

Net Revenue TTM Growth 1Y
-51.22%
Gross Profit Margin TTM
755.79%
P/S TTM
75.49x
P/B TTM
8.86x
Market Cap
$512.98M

Data as of 2026-06-30 · Source: SEC EDGAR

Frequently Asked Questions

What industry is Better Home & Finance Holding Co in?

Better Home & Finance Holding Co (BETR) operates in the Loan Brokers industry.

What is BETR's market cap?

Better Home & Finance Holding Co (BETR) has a market capitalization of $512.98M as of 2026-06-30.

What exchange does BETR trade on?

Better Home & Finance Holding Co (BETR) trades on the Nasdaq.

Wall Street's data.
Main Street's price.