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BETTER HOME & FINANCE HOLDIN (BETR) Stock Fundamental Analysis

USA - NASDAQ:BETR - US08774B5084 - Common Stock

63.45 USD
-2.62 (-3.97%)
Last: 11/11/2025, 8:00:01 PM
65.444 USD
+1.99 (+3.14%)
After Hours: 11/11/2025, 8:00:01 PM
Fundamental Rating

2

Overall BETR gets a fundamental rating of 2 out of 10. We evaluated BETR against 97 industry peers in the Financial Services industry. Both the profitability and financial health of BETR have multiple concerns. BETR has a expensive valuation and it also scores bad on growth.


Dividend Valuation Growth Profitability Health

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0

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.
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 2020 2021 2022 2023 0 -100M -200M -300M -400M -500M

1.2 Ratios

The Return On Assets of BETR (-53.87%) is worse than 92.78% of its industry peers.
The Return On Equity of BETR (-594.23%) is worse than 91.75% of its industry peers.
Industry RankSector Rank
ROA -53.87%
ROE -594.23%
ROIC N/A
ROA(3y)-19.32%
ROA(5y)N/A
ROE(3y)-145.43%
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
BETR Yearly ROA, ROE, ROICBETR Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2020 2021 2022 2023 0 -100 -200 -300 -400

1.3 Margins

BETR does not have Profit Margin and Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
BETR Yearly Profit, Operating, Gross MarginsBETR Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2020 2021 2022 2023 -200 -400 -600

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3

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
The debt/assets ratio for BETR is higher compared to a year ago.
BETR Yearly Shares OutstandingBETR Yearly Shares OutstandingYearly Shares Outstanding 2020 2021 2022 2023 200M 400M 600M
BETR Yearly Total Debt VS Total AssetsBETR Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2020 2021 2022 2023 200M 400M 600M 800M

2.2 Solvency

Based on the Altman-Z score of -2.38, we must say that BETR is in the distress zone and has some risk of bankruptcy.
Looking at the Altman-Z score, with a value of -2.38, BETR is doing worse than 72.16% of the companies in the same industry.
BETR has a Debt/Equity ratio of 8.56. This is a high value indicating a heavy dependency on external financing.
The Debt to Equity ratio of BETR (8.56) is worse than 84.54% of its industry peers.
Industry RankSector Rank
Debt/Equity 8.56
Debt/FCF N/A
Altman-Z -2.38
ROIC/WACCN/A
WACC7.29%
BETR Yearly LT Debt VS Equity VS FCFBETR Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2020 2021 2022 2023 0 200M 400M 600M

2.3 Liquidity

A Current Ratio of 4.59 indicates that BETR has no problem at all paying its short term obligations.
BETR's Current ratio of 4.59 is amongst the best of the industry. BETR outperforms 90.72% of its industry peers.
A Quick Ratio of 4.59 indicates that BETR has no problem at all paying its short term obligations.
BETR's Quick ratio of 4.59 is amongst the best of the industry. BETR outperforms 90.72% of its industry peers.
Industry RankSector Rank
Current Ratio 4.59
Quick Ratio 4.59
BETR Yearly Current Assets VS Current LiabilitesBETR Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2020 2021 2022 2023 100M 200M 300M 400M 500M

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3

3. Growth

3.1 Past

BETR shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -419.79%.
EPS 1Y (TTM)-419.79%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-1213.27%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%N/A

3.2 Future

BETR is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 64.71% yearly.
Based on estimates for the next years, BETR will show a very strong growth in Revenue. The Revenue will grow by 50.67% on average per year.
EPS Next YN/A
EPS Next 2Y-271.28%
EPS Next 3Y-75.27%
EPS Next 5Y64.71%
Revenue Next YearN/A
Revenue Next 2Y41.53%
Revenue Next 3Y48.66%
Revenue Next 5Y50.67%

3.3 Evolution

BETR Yearly Revenue VS EstimatesBETR Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2023 2025 2026 2027 100M 200M 300M 400M
BETR Yearly EPS VS EstimatesBETR Yearly EPS VS EstimatesYearly EPS VS Estimates 2025 2026 2027 0 2 -2 -4 -6 -8

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings Ratio is negative for BETR. In the last year negative earnings were reported.
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 0 0 0 0 0 0 0 0 0 0

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 -10

4.3 Compensation for Growth

BETR's earnings are expected to decrease with -75.27% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-271.28%
EPS Next 3Y-75.27%

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5. Dividend

5.1 Amount

BETR does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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BETTER HOME & FINANCE HOLDIN

NASDAQ:BETR (11/11/2025, 8:00:01 PM)

After market: 65.444 +1.99 (+3.14%)

63.45

-2.62 (-3.97%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)11-03 2025-11-03
Earnings (Next)03-02 2026-03-02
Inst Owners41.26%
Inst Owner Change-0.01%
Ins Owners16.9%
Ins Owner Change3.22%
Market Cap973.96M
Revenue(TTM)57.70M
Net Income(TTM)-453.34M
Analysts45.71
Price TargetN/A
Short Float %12.56%
Short Ratio0.88
Dividend
Industry RankSector Rank
Dividend Yield N/A
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)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
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)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S 16.88
P/FCF N/A
P/OCF N/A
P/B 12.77
P/tB 73.61
EV/EBITDA N/A
EPS(TTM)-0.69
EYN/A
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)-14.09
FCFYN/A
OCF(TTM)-13.4
OCFYN/A
SpS3.76
BVpS4.97
TBVpS0.86
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
Industry RankSector Rank
ROA -53.87%
ROE -594.23%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM N/A
FCFM N/A
ROA(3y)-19.32%
ROA(5y)N/A
ROE(3y)-145.43%
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 3YN/A
GM growth 5YN/A
F-Score3
Asset Turnover0.07
Health
Industry RankSector Rank
Debt/Equity 8.56
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 4.59
Quick Ratio 4.59
Altman-Z -2.38
F-Score3
WACC7.29%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-419.79%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-1213.27%
EPS Next YN/A
EPS Next 2Y-271.28%
EPS Next 3Y-75.27%
EPS Next 5Y64.71%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%N/A
Revenue Next YearN/A
Revenue Next 2Y41.53%
Revenue Next 3Y48.66%
Revenue Next 5Y50.67%
EBIT growth 1Y-2106.02%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3Y25.45%
EBIT Next 5Y23.52%
FCF growth 1Y-6007.75%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-5707.35%
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.


Can you provide the valuation status for BETTER HOME & FINANCE HOLDIN?

ChartMill assigns a valuation rating of 0 / 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 0 / 10.