Logo image of BETR

BETTER HOME & FINANCE HOLDIN (BETR) Stock Fundamental Analysis

USA - Nasdaq - NASDAQ:BETR - US08774B5084 - Common Stock

43.72 USD
-1.4 (-3.1%)
Last: 12/2/2025, 8:00:02 PM
43.5 USD
-0.22 (-0.5%)
Pre-Market: 12/3/2025, 4:57:25 AM
Fundamental Rating

2

Overall BETR gets a fundamental rating of 2 out of 10. We evaluated BETR against 98 industry peers in the Financial Services industry. Both the profitability and financial health of BETR have multiple concerns. BETR is valued expensive and it does not seem to be growing.


Dividend Valuation Growth Profitability Health

Quickly go to:

0

1. Profitability

1.1 Basic Checks

BETR had negative earnings in the past year.
BETR had a negative operating cash flow in the past year.
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 92.86% of its industry peers.
BETR has a Return On Equity of -594.23%. This is amonst the worse of the industry: BETR underperforms 91.84% 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

The Profit Margin and Operating Margin and Gross Margin are not available for BETR so they could not be analyzed.
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

More info and screens

3

2. Health

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.
Compared to 1 year ago, BETR has a worse debt to assets ratio.
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

BETR has an Altman-Z score of -2.61. 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 -2.61, BETR is doing worse than 72.45% of the companies in the same industry.
A Debt/Equity ratio of 8.56 is on the high side and indicates that BETR has dependencies on debt financing.
BETR's Debt to Equity ratio of 8.56 is on the low side compared to the rest of the industry. BETR is outperformed by 84.69% of its industry peers.
Industry RankSector Rank
Debt/Equity 8.56
Debt/FCF N/A
Altman-Z -2.61
ROIC/WACCN/A
WACC6.85%
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

BETR has a Current Ratio of 4.59. This indicates that BETR is financially healthy and has no problem in meeting its short term obligations.
The Current ratio of BETR (4.59) is better than 89.80% of its industry peers.
BETR has a Quick Ratio of 4.59. This indicates that BETR is financially healthy and has no problem in meeting its short term obligations.
BETR's Quick ratio of 4.59 is amongst the best of the industry. BETR outperforms 89.80% 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

More info and screens

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

The Earnings Per Share is expected to grow by 71.62% on average over the next years. This is a very strong growth
The Revenue is expected to grow by 51.64% on average over the next years. This is a very strong growth
EPS Next YN/A
EPS Next 2Y-271.28%
EPS Next 3Y-53.7%
EPS Next 5Y71.62%
Revenue Next YearN/A
Revenue Next 2Y41.53%
Revenue Next 3Y46.55%
Revenue Next 5Y51.64%

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 -5

More info and screens

0

4. Valuation

4.1 Price/Earnings Ratio

BETR reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
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

A cheap valuation may be justified as BETR's earnings are expected to decrease with -53.70% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-271.28%
EPS Next 3Y-53.7%

More info and screens

0

5. Dividend

5.1 Amount

No dividends for BETR!.
Industry RankSector Rank
Dividend Yield N/A

More info and screens

BETTER HOME & FINANCE HOLDIN

NASDAQ:BETR (12/2/2025, 8:00:02 PM)

Premarket: 43.5 -0.22 (-0.5%)

43.72

-1.4 (-3.1%)

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 Owners41.26%
Inst Owner Change-8.09%
Ins Owners16.9%
Ins Owner Change2.19%
Market Cap686.40M
Revenue(TTM)57.70M
Net Income(TTM)-453.34M
Analysts45.71
Price TargetN/A
Short Float %17.41%
Short Ratio0.97
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 11.9
P/FCF N/A
P/OCF N/A
P/B 9
P/tB 51.87
EV/EBITDA N/A
EPS(TTM)-0.69
EYN/A
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)-13.78
FCFYN/A
OCF(TTM)-13.1
OCFYN/A
SpS3.68
BVpS4.86
TBVpS0.84
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 -2.61
F-Score3
WACC6.85%
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-53.7%
EPS Next 5Y71.62%
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 3Y46.55%
Revenue Next 5Y51.64%
EBIT growth 1Y-2106.02%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3Y25.17%
EBIT Next 5Y23.51%
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.