BETTER HOME & FINANCE HOLDIN (BETR) Stock Fundamental Analysis

USA • Nasdaq • NASDAQ:BETR • US08774B5084

27.91 USD
+1.23 (+4.61%)
At close: Feb 9, 2026
28.88 USD
+0.97 (+3.48%)
After Hours: 2/9/2026, 8:00:01 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

2

Overall BETR gets a fundamental rating of 2 out of 10. We evaluated BETR against 96 industry peers in the Financial Services industry. BETR may be in some trouble as it scores bad on both profitability and health. While showing a medium growth rate, BETR is valued expensive at the moment.


Dividend Valuation Growth Profitability Health

2

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.
  • In the past 5 years BETR reported 4 times negative net income.
  • In multiple years BETR reported negative operating cash flow during the last 5 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

  • The Return On Assets of BETR (-13.38%) is worse than 88.54% of its industry peers.
  • BETR has a worse Return On Equity (-441.82%) than 90.63% 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 has a Gross Margin of 80.30%. This is amongst the best in the industry. BETR outperforms 84.38% of its industry peers.
  • BETR's Gross Margin has improved in the last couple of years.
  • BETR does not have Profit Margin and Operating Margin available, so we won't be analyzing them here.
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. Health

2.1 Basic Checks

  • BETR does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • The number of shares outstanding for BETR has been increased compared to 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 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 -2.73. This is a bad value and indicates that BETR is not financially healthy and even has some risk of bankruptcy.
  • With a Altman-Z score value of -2.73, BETR is not doing good in the industry: 70.83% of the companies in the same industry are doing better.
  • A Debt/Equity ratio of 29.67 is on the high side and indicates that BETR has dependencies on debt financing.
  • BETR has a worse Debt to Equity ratio (29.67) than 89.58% of its industry peers.
Industry RankSector Rank
Debt/Equity 29.67
Debt/FCF N/A
Altman-Z -2.73
ROIC/WACCN/A
WACC6.24%
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 69.79% of its industry peers.
  • A Quick Ratio of 0.16 indicates that BETR may have some problems paying its short term obligations.
  • BETR's Quick ratio of 0.16 is on the low side compared to the rest of the industry. BETR is outperformed by 69.79% 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

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

6

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%.
  • BETR shows a strong growth in Revenue. In the last year, 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

  • BETR is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 31.62% yearly.
  • Based on estimates for the next years, BETR will show a very strong growth in Revenue. The Revenue will grow by 53.33% on average per year.
EPS Next Y28.19%
EPS Next 2Y32.21%
EPS Next 3Y31.62%
EPS Next 5YN/A
Revenue Next Year28.45%
Revenue Next 2Y46.35%
Revenue Next 3Y53.33%
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.
BETR Yearly Revenue VS EstimatesBETR Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2019 2020 2021 2022 2023 2024 2025 2026 2027 200M 400M 600M 800M 1B
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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Find the best growth stocksShow best growing peers

1

4. Valuation

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 20 30

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

  • A more expensive valuation may be justified as BETR's earnings are expected to grow with 31.62% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y32.21%
EPS Next 3Y31.62%

More info and screens

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

0

5. Dividend

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

BETTER HOME & FINANCE HOLDIN

NASDAQ:BETR (2/9/2026, 8:00:01 PM)

After market: 28.88 +0.97 (+3.48%)

27.91

+1.23 (+4.61%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)11-13
Earnings (Next)03-02
Inst Owners35.59%
Inst Owner Change4.42%
Ins Owners16.26%
Ins Owner Change1.43%
Market Cap438.19M
Revenue(TTM)181.26M
Net Income(TTM)-185.18M
Analysts45.71
Price TargetN/A
Short Float %28.84%
Short Ratio3.86
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)0%
EPS NQ rev (3m)-0.67%
EPS NY rev (1m)0%
EPS NY rev (3m)0.35%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-10.67%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-5.82%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S 2.42
P/FCF N/A
P/OCF N/A
P/B 10.45
P/tB N/A
EV/EBITDA N/A
EPS(TTM)-12.19
EYN/A
EPS(NY)-3.44
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 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 -2.73
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 2Y32.21%
EPS Next 3Y31.62%
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 2Y46.35%
Revenue Next 3Y53.33%
Revenue Next 5YN/A
EBIT growth 1Y7.07%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year40.88%
EBIT Next 3Y35.42%
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.