BETTER HOME & FINANCE HOLDIN (BETR) Fundamental Analysis & Valuation

NASDAQ:BETR • US08774B5084

Current stock price

30.66 USD
-2.46 (-7.43%)
At close:
30.66 USD
0 (0%)
After Hours:

This BETR fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

2

1. BETR Profitability Analysis

1.1 Basic Checks

  • BETR had negative earnings in the past year.
  • BETR had a negative operating cash flow in the past year.
  • 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.
BETR Yearly Net Income VS EBIT VS OCF VS FCFBETR Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2019 2020 2021 2022 2023 2024 0 500M -500M -1B -1.5B

1.2 Ratios

  • BETR's Return On Assets of -13.38% is on the low side compared to the rest of the industry. BETR is outperformed by 83.00% of its industry peers.
  • BETR has a Return On Equity of -441.82%. This is amonst the worse of the industry: BETR underperforms 88.00% of its industry peers.
Industry RankSector 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
BETR Yearly ROA, ROE, ROICBETR Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2019 2020 2021 2022 2023 2024 0 200 -200 400 -400

1.3 Margins

  • BETR's Gross Margin of 80.30% is amongst the best of the industry. BETR outperforms 85.00% of its industry peers.
  • BETR's Gross Margin has improved in the last couple of years.
  • The Profit Margin and Operating Margin are not available for BETR so they could not be analyzed.
Industry RankSector 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%
BETR Yearly Profit, Operating, Gross MarginsBETR Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2019 2020 2021 2022 2023 2024 0 -100 -200 -300 -400 -500

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ROAROEROICOperating and Profit MarginShow most profitable peers

0

2. BETR Health Analysis

2.1 Basic Checks

  • BETR does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • BETR has more shares outstanding than it did 1 year ago.
  • BETR has a worse debt/assets ratio than last year.
BETR Yearly Shares OutstandingBETR Yearly Shares OutstandingYearly Shares Outstanding 2020 2021 2022 2023 2024 5M 10M 15M
BETR Yearly Total Debt VS Total AssetsBETR Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2020 2021 2022 2023 2024 1B 2B 3B

2.2 Solvency

  • BETR has an Altman-Z score of -2.68. This is a bad value and indicates that BETR is not financially healthy and even has some risk of bankruptcy.
  • BETR's Altman-Z score of -2.68 is on the low side compared to the rest of the industry. BETR is outperformed by 71.00% of its industry peers.
  • A Debt/Equity ratio of 29.67 is on the high side and indicates that BETR has dependencies on debt financing.
  • With a Debt to Equity ratio value of 29.67, BETR is not doing good in the industry: 87.00% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 29.67
Debt/FCF N/A
Altman-Z -2.68
ROIC/WACCN/A
WACC5.35%
BETR Yearly LT Debt VS Equity VS FCFBETR Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2019 2020 2021 2022 2023 2024 0 1B -1B 2B

2.3 Liquidity

  • A Current Ratio of 0.16 indicates that BETR may have some problems paying its short term obligations.
  • BETR's Current ratio of 0.16 is on the low side compared to the rest of the industry. BETR is outperformed by 71.00% of its industry peers.
  • A Quick Ratio of 0.16 indicates that BETR may have some problems paying its short term obligations.
  • BETR has a worse Quick ratio (0.16) than 71.00% of its industry peers.
Industry RankSector Rank
Current Ratio 0.16
Quick Ratio 0.16
BETR Yearly Current Assets VS Current LiabilitesBETR Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2020 2021 2022 2023 2024 200M 400M 600M 800M 1B

More info and screens

WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

6

3. BETR Growth Analysis

3.1 Past

  • The Earnings Per Share has been growing slightly by 7.02% over the past year.
  • BETR shows a strong growth in Revenue. In the last year, the Revenue has grown by 51.58%.
  • The Revenue has been growing slightly by 5.96% on average over the past years.
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

  • BETR is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 24.29% yearly.
  • BETR is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 35.58% yearly.
EPS Next Y27.12%
EPS Next 2Y35.01%
EPS Next 3Y31.78%
EPS Next 5Y24.29%
Revenue Next Year29.15%
Revenue Next 2Y44.97%
Revenue Next 3Y47.23%
Revenue Next 5Y35.58%

3.3 Evolution

  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
BETR Yearly Revenue VS EstimatesBETR Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 200M 400M 600M 800M 1B
BETR Yearly EPS VS EstimatesBETR Yearly EPS VS EstimatesYearly EPS VS Estimates 2025 2026 2027 2028 0 5 -5

More info and screens

Find the best growth stocksShow best growing peers

1

4. BETR Valuation Analysis

4.1 Price/Earnings Ratio

  • BETR reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
  • 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 RankSector Rank
PE N/A
Fwd PE N/A
BETR Price Earnings VS Forward Price EarningsBETR Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 10 -10 20

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
BETR Per share dataBETR EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 5 -5 10 -10

4.3 Compensation for Growth

  • BETR's earnings are expected to grow with 31.78% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y35.01%
EPS Next 3Y31.78%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. BETR Dividend Analysis

5.1 Amount

  • BETR does not give a dividend.
Industry RankSector Rank
Dividend Yield 0%

More info and screens

Find the best dividend stocksShow peers with best dividend

BETR Fundamentals: All Metrics, Ratios and Statistics

BETTER HOME & FINANCE HOLDIN

NASDAQ:BETR (3/27/2026, 8:02:16 PM)

After market: 30.66 0 (0%)

30.66

-2.46 (-7.43%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)03-02
Earnings (Next)05-11
Inst Owners53.54%
Inst Owner Change17.26%
Ins Owners16.8%
Ins Owner Change2.02%
Market Cap504.36M
Revenue(TTM)181.26M
Net Income(TTM)-185.18M
Analysts45.71
Price Target36.62 (19.44%)
Short Float %34.71%
Short Ratio5.02
Dividend
Industry RankSector 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)1.38%
EPS NQ rev (3m)-6.12%
EPS NY rev (1m)-1.49%
EPS NY rev (3m)-1.49%
Revenue NQ rev (1m)3.55%
Revenue NQ rev (3m)-3.43%
Revenue NY rev (1m)2.94%
Revenue NY rev (3m)0.55%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S 2.78
P/FCF N/A
P/OCF N/A
P/B 12.03
P/tB N/A
EV/EBITDA N/A
EPS(TTM)-12.19
EYN/A
EPS(NY)-2.42
Fwd EYN/A
FCF(TTM)-14.26
FCFYN/A
OCF(TTM)-13.48
OCFYN/A
SpS11.02
BVpS2.55
TBVpS-0.25
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
Industry RankSector 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 RankSector 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 -2.68
F-Score2
WACC5.35%
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 Y27.12%
EPS Next 2Y35.01%
EPS Next 3Y31.78%
EPS Next 5Y24.29%
Revenue 1Y (TTM)51.58%
Revenue growth 3Y-53.72%
Revenue growth 5Y5.96%
Sales Q2Q%27.37%
Revenue Next Year29.15%
Revenue Next 2Y44.97%
Revenue Next 3Y47.23%
Revenue Next 5Y35.58%
EBIT growth 1Y7.07%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year39.04%
EBIT Next 3Y35.42%
EBIT Next 5Y27.08%
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 Fundamental Analysis 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.