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BETTER HOME & FINANCE HOLDIN (BETR) Stock Fundamental Analysis

NASDAQ:BETR - US08774B5084 - Common Stock

22.66 USD
+0.67 (+3.05%)
Last: 9/3/2025, 11:20:54 AM
Fundamental Rating

2

Taking everything into account, BETR scores 2 out of 10 in our fundamental rating. BETR was compared to 102 industry peers in the Financial Services industry. BETR may be in some trouble as it scores bad on both profitability and health. BETR does not seem to be growing, but still is valued expensively.


Dividend Valuation Growth Profitability Health

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1. Profitability

1.1 Basic Checks

In the past year BETR has reported negative net income.
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 95.10% of its industry peers.
With a Return On Equity value of -594.23%, BETR is not doing good in the industry: 93.14% of the companies in the same industry are doing better.
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

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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
BETR has a worse debt/assets ratio than last year.
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 -2.88, we must say that BETR is in the distress zone and has some risk of bankruptcy.
BETR's Altman-Z score of -2.88 is on the low side compared to the rest of the industry. BETR is outperformed by 74.51% of its industry peers.
BETR has a Debt/Equity ratio of 8.56. This is a high value indicating a heavy dependency on external financing.
BETR has a worse Debt to Equity ratio (8.56) than 85.29% of its industry peers.
Industry RankSector Rank
Debt/Equity 8.56
Debt/FCF N/A
Altman-Z -2.88
ROIC/WACCN/A
WACC7.03%
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 91.18% of its industry peers.
A Quick Ratio of 4.59 indicates that BETR has no problem at all paying its short term obligations.
Looking at the Quick ratio, with a value of 4.59, BETR belongs to the top of the industry, outperforming 91.18% of the companies in the same industry.
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

The earnings per share for BETR have decreased strongly by -419.79% in the last year.
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 64.71% on average over the next years. This is a very strong growth
The Revenue is expected to grow by 50.67% on average over the next years. This is a very strong growth
EPS Next YN/A
EPS Next 2Y-279.22%
EPS Next 3Y-52.89%
EPS Next 5Y64.71%
Revenue Next YearN/A
Revenue Next 2Y38.01%
Revenue Next 3Y48.28%
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 -5 -10

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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 -52.89% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-279.22%
EPS Next 3Y-52.89%

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5. Dividend

5.1 Amount

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

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BETTER HOME & FINANCE HOLDIN

NASDAQ:BETR (9/3/2025, 11:20:54 AM)

22.66

+0.67 (+3.05%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)08-07 2025-08-07/bmo
Earnings (Next)11-03 2025-11-03
Inst Owners35.93%
Inst Owner Change8.98%
Ins Owners15.03%
Ins Owner Change2.1%
Market Cap346.47M
AnalystsN/A
Price TargetN/A
Short Float %8.43%
Short Ratio6.36
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 6
P/FCF N/A
P/OCF N/A
P/B 4.54
P/tB 26.18
EV/EBITDA N/A
EPS(TTM)-0.69
EYN/A
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)-14.14
FCFYN/A
OCF(TTM)-13.45
OCFYN/A
SpS3.77
BVpS4.99
TBVpS0.87
PEG (NY)N/A
PEG (5Y)N/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
ROICexcg growth 3YN/A
ROICexcg 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 -2.88
F-Score3
WACC7.03%
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-279.22%
EPS Next 3Y-52.89%
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 2Y38.01%
Revenue Next 3Y48.28%
Revenue Next 5Y50.67%
EBIT growth 1Y-2106.02%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3Y25.6%
EBIT Next 5Y23.62%
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