36.565 USD
-1.16 (-3.09%)
We assign a fundamental rating of 2 out of 10 to BETR. BETR was compared to 98 industry peers in the Financial Services industry. BETR may be in some trouble as it scores bad on both profitability and health. BETR is quite expensive at the moment. It does show a decent growth rate.
1. Profitability
1.1 Basic Checks
- In the past year BETR has reported negative net income.
- In the past year BETR has reported a negative cash flow from operations.
- In the past 5 years BETR reported 4 times negative net income.
- The reported operating cash flow has been mixed in the past 5 years: BETR reported negative operating cash flow in multiple years.
1.2 Ratios
- With a Return On Assets value of -13.38%, BETR is not doing good in the industry: 88.78% of the companies in the same industry are doing better.
- BETR has a Return On Equity of -441.82%. This is amonst the worse of the industry: BETR underperforms 91.84% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -13.38% | ||
| ROE | -441.82% | ||
| ROIC | N/A |
ROA(3y)-54.54%
ROA(5y)-33.4%
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
- With an excellent Gross Margin value of 80.30%, BETR belongs to the best of the industry, outperforming 83.67% of the companies in the same industry.
- In the last couple of years the Gross Margin of BETR has grown nicely.
- The Profit Margin and Operating Margin are not available for BETR so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | N/A | ||
| GM | 80.3% |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y39.65%
GM growth 5Y34.63%
2. Health
2.1 Basic Checks
- BETR does not have a ROIC to compare to the WACC, probably because it is not profitable.
- Compared to 1 year ago, BETR has more shares outstanding
- BETR has a worse debt/assets ratio than last year.
2.2 Solvency
- BETR has an Altman-Z score of -2.66. This is a bad value and indicates that BETR is not financially healthy and even has some risk of bankruptcy.
- Looking at the Altman-Z score, with a value of -2.66, BETR is doing worse than 71.43% of the companies in the same industry.
- BETR has a Debt/Equity ratio of 29.67. This is a high value indicating a heavy dependency on external financing.
- BETR has a worse Debt to Equity ratio (29.67) than 90.82% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 29.67 | ||
| Debt/FCF | N/A | ||
| Altman-Z | -2.66 |
ROIC/WACCN/A
WACC6.24%
2.3 Liquidity
- BETR has a Current Ratio of 0.16. This is a bad value and indicates that BETR is not financially healthy enough and could expect problems in meeting its short term obligations.
- BETR has a Current ratio of 0.16. This is in the lower half of the industry: BETR underperforms 70.41% of its industry peers.
- A Quick Ratio of 0.16 indicates that BETR may have some problems paying its short term obligations.
- Looking at the Quick ratio, with a value of 0.16, BETR is doing worse than 70.41% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.16 | ||
| Quick Ratio | 0.16 |
3. Growth
3.1 Past
- BETR shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 7.02%.
- Looking at the last year, BETR shows a very strong growth in Revenue. The Revenue has grown by 51.58%.
- BETR shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 5.96% yearly.
EPS 1Y (TTM)7.02%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%28.49%
Revenue 1Y (TTM)51.58%
Revenue growth 3Y-53.72%
Revenue growth 5Y5.96%
Sales Q2Q%27.37%
3.2 Future
- The Earnings Per Share is expected to grow by 32.93% on average over the next years. This is a very strong growth
- BETR is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 53.26% yearly.
EPS Next Y28.19%
EPS Next 2Y34.54%
EPS Next 3Y32.93%
EPS Next 5YN/A
Revenue Next Year28.45%
Revenue Next 2Y46.4%
Revenue Next 3Y53.26%
Revenue Next 5YN/A
3.3 Evolution
- The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- The Price/Earnings Ratio is negative for BETR. In the last year negative earnings were reported.
- Besides the negative Price/Earnings Ratio, also the Forward Price/Earnings Ratio is negative for BETR. No positive earnings are expected for the next year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | N/A |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- A more expensive valuation may be justified as BETR's earnings are expected to grow with 32.93% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y34.54%
EPS Next 3Y32.93%
5. Dividend
5.1 Amount
- No dividends for BETR!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
NASDAQ:BETR (1/15/2026, 3:24:36 PM)
36.565
-1.16 (-3.09%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)11-13 2025-11-13/bmo
Earnings (Next)03-02 2026-03-02
Inst Owners35.59%
Inst Owner Change0%
Ins Owners16.26%
Ins Owner Change2.41%
Market Cap574.07M
Revenue(TTM)181.26M
Net Income(TTM)-185.18M
Analysts45.71
Price TargetN/A
Short Float %25.87%
Short Ratio2.77
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)1
Avg Revenue beat(2)-0.84%
Min Revenue beat(2)-10.53%
Max Revenue beat(2)8.85%
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)0%
EPS NQ rev (3m)10.77%
EPS NY rev (1m)0%
EPS NY rev (3m)4.47%
Revenue NQ rev (1m)2.27%
Revenue NQ rev (3m)4.49%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.96%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | N/A | ||
| P/S | 3.17 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 13.7 | ||
| P/tB | N/A | ||
| EV/EBITDA | N/A |
EPS(TTM)-12.19
EYN/A
EPS(NY)-2.59
Fwd EYN/A
FCF(TTM)-14.94
FCFYN/A
OCF(TTM)-14.12
OCFYN/A
SpS11.55
BVpS2.67
TBVpS-0.26
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -13.38% | ||
| ROE | -441.82% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | N/A | ||
| GM | 80.3% | ||
| FCFM | N/A |
ROA(3y)-54.54%
ROA(5y)-33.4%
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y39.65%
GM growth 5Y34.63%
F-Score2
Asset Turnover0.13
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 29.67 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 68.48% | ||
| Cap/Sales | 7.11% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | N/A | ||
| Current Ratio | 0.16 | ||
| Quick Ratio | 0.16 | ||
| Altman-Z | -2.66 |
F-Score2
WACC6.24%
ROIC/WACCN/A
Cap/Depr(3y)41.69%
Cap/Depr(5y)138.02%
Cap/Sales(3y)8.66%
Cap/Sales(5y)6.93%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)7.02%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%28.49%
EPS Next Y28.19%
EPS Next 2Y34.54%
EPS Next 3Y32.93%
EPS Next 5YN/A
Revenue 1Y (TTM)51.58%
Revenue growth 3Y-53.72%
Revenue growth 5Y5.96%
Sales Q2Q%27.37%
Revenue Next Year28.45%
Revenue Next 2Y46.4%
Revenue Next 3Y53.26%
Revenue Next 5YN/A
EBIT growth 1Y7.07%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year37.94%
EBIT Next 3Y35.3%
EBIT Next 5YN/A
FCF growth 1Y-70.24%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-84.76%
OCF growth 3YN/A
OCF growth 5YN/A
BETTER HOME & FINANCE HOLDIN / BETR FAQ
Can you provide the ChartMill fundamental rating for BETTER HOME & FINANCE HOLDIN?
ChartMill assigns a fundamental rating of 2 / 10 to BETR.
What is the valuation status of BETTER HOME & FINANCE HOLDIN (BETR) stock?
ChartMill assigns a valuation rating of 1 / 10 to BETTER HOME & FINANCE HOLDIN (BETR). This can be considered as Overvalued.
Can you provide the profitability details for BETTER HOME & FINANCE HOLDIN?
BETTER HOME & FINANCE HOLDIN (BETR) has a profitability rating of 2 / 10.
What is the financial health of BETTER HOME & FINANCE HOLDIN (BETR) stock?
The financial health rating of BETTER HOME & FINANCE HOLDIN (BETR) is 0 / 10.