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

NASDAQ:BETR • US08774B5084

Current stock price

44.38 USD
+3.25 (+7.9%)
At close:
43 USD
-1.38 (-3.11%)
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

  • In the past year BETR has reported negative net income.
  • In the past year BETR has reported a negative cash flow from operations.
  • In the past 5 years BETR always reported 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 2025 0 500M -500M -1B -1.5B

1.2 Ratios

  • The Return On Assets of BETR (-11.02%) is worse than 88.00% of its industry peers.
  • The Return On Equity of BETR (-446.10%) is worse than 92.00% of its industry peers.
Industry RankSector Rank
ROA -11.02%
ROE -446.1%
ROIC N/A
ROA(3y)-30.95%
ROA(5y)-36.76%
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 2025 0 200 -200 400 -400

1.3 Margins

  • BETR has a Gross Margin of 79.37%. This is amongst the best in 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 79.37%
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5Y5.3%
BETR Yearly Profit, Operating, Gross MarginsBETR Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2019 2020 2021 2022 2023 2024 2025 0 -100 -200 -300 -400 -500

More info and screens

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.
  • Compared to 1 year ago, BETR has more shares outstanding
  • Compared to 5 years ago, BETR has more shares outstanding
  • Compared to 1 year ago, BETR has an improved debt to assets ratio.
BETR Yearly Shares OutstandingBETR Yearly Shares OutstandingYearly Shares Outstanding 2020 2021 2022 2023 2024 2025 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 2025 1B 2B 3B

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.
  • With a Altman-Z score value of -2.38, BETR is not doing good in the industry: 73.00% of the companies in the same industry are doing better.
  • BETR has a Debt/Equity ratio of 36.94. This is a high value indicating a heavy dependency on external financing.
  • Looking at the Debt to Equity ratio, with a value of 36.94, BETR is doing worse than 90.00% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 36.94
Debt/FCF N/A
Altman-Z -2.38
ROIC/WACCN/A
WACC4.7%
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 2025 0 1B -1B 2B

2.3 Liquidity

  • BETR has a Current Ratio of 0.15. This is a bad value and indicates that BETR is not financially healthy enough and could expect problems in meeting its short term obligations.
  • BETR's Current ratio of 0.15 is on the low side compared to the rest of the industry. BETR is outperformed by 71.00% of its industry peers.
  • BETR has a Quick Ratio of 0.15. This is a bad value and indicates that BETR is not financially healthy enough and could expect problems in meeting its short term obligations.
  • BETR's Quick ratio of 0.15 is on the low side compared to the rest of the industry. BETR is outperformed by 71.00% of its industry peers.
Industry RankSector Rank
Current Ratio 0.15
Quick Ratio 0.15
BETR Yearly Current Assets VS Current LiabilitesBETR Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2020 2021 2022 2023 2024 2025 200M 400M 600M 800M 1B

More info and screens

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

5

3. BETR Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 20.73% over the past year.
  • BETR shows a strong growth in Revenue. In the last year, the Revenue has grown by 59.81%.
  • BETR shows a very negative growth in Revenue. Measured over the last years, the Revenue has been decreasing by -25.43% yearly.
EPS 1Y (TTM)20.73%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%35.23%
Revenue 1Y (TTM)59.81%
Revenue growth 3Y-19.62%
Revenue growth 5Y-25.43%
Sales Q2Q%82.88%

3.2 Future

  • Based on estimates for the next years, BETR will show a very strong growth in Earnings Per Share. The EPS will grow by 31.73% on average per year.
  • Based on estimates for the next years, BETR will show a very strong growth in Revenue. The Revenue will grow by 40.59% on average per year.
EPS Next Y56.84%
EPS Next 2Y50.93%
EPS Next 3Y31.73%
EPS Next 5YN/A
Revenue Next Year68.03%
Revenue Next 2Y59.77%
Revenue Next 3Y40.59%
Revenue Next 5YN/A

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 2 -2 -4 -6 -8

More info and screens

Find the best growth stocksShow best growing peers

1

4. BETR Valuation Analysis

4.1 Price/Earnings Ratio

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

  • A more expensive valuation may be justified as BETR's earnings are expected to grow with 31.73% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y50.93%
EPS Next 3Y31.73%

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 (5/1/2026, 8:11:18 PM)

After market: 43 -1.38 (-3.11%)

44.38

+3.25 (+7.9%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Industry Strength39.13
Industry Growth65.22
Earnings (Last)03-13
Earnings (Next)05-11
Inst Owners49.64%
Inst Owner Change0.07%
Ins Owners15.92%
Ins Owner Change3.12%
Market Cap836.56M
Revenue(TTM)207.72M
Net Income(TTM)-165.87M
Analysts77.78
Price Target36.62 (-17.49%)
Short Float %25.58%
Short Ratio4.1
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)0
Avg EPS beat(2)-16.59%
Min EPS beat(2)-17.28%
Max EPS beat(2)-15.91%
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)15.03%
Min Revenue beat(2)-10.53%
Max Revenue beat(2)40.59%
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)-28.83%
EPS NY rev (1m)-77.64%
EPS NY rev (3m)-24.8%
Revenue NQ rev (1m)-3.88%
Revenue NQ rev (3m)-11.79%
Revenue NY rev (1m)1.18%
Revenue NY rev (3m)-0.79%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S 4.03
P/FCF N/A
P/OCF N/A
P/B 22.5
P/tB 199.04
EV/EBITDA N/A
EPS(TTM)-10.81
EYN/A
EPS(NY)-4.29
Fwd EYN/A
FCF(TTM)-9.39
FCFYN/A
OCF(TTM)-8.71
OCFYN/A
SpS11.02
BVpS1.97
TBVpS0.22
PEG (NY)N/A
PEG (5Y)N/A
Graham Number0 (-100%)
Profitability
Industry RankSector Rank
ROA -11.02%
ROE -446.1%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM 79.37%
FCFM N/A
ROA(3y)-30.95%
ROA(5y)-36.76%
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 3YN/A
GM growth 5Y5.3%
F-Score3
Asset Turnover0.14
Health
Industry RankSector Rank
Debt/Equity 36.94
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 91.17%
Cap/Sales 6.17%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 0.15
Quick Ratio 0.15
Altman-Z -2.38
F-Score3
WACC4.7%
ROIC/WACCN/A
Cap/Depr(3y)48.1%
Cap/Depr(5y)93.69%
Cap/Sales(3y)7.78%
Cap/Sales(5y)7.48%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)20.73%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%35.23%
EPS Next Y56.84%
EPS Next 2Y50.93%
EPS Next 3Y31.73%
EPS Next 5YN/A
Revenue 1Y (TTM)59.81%
Revenue growth 3Y-19.62%
Revenue growth 5Y-25.43%
Sales Q2Q%82.88%
Revenue Next Year68.03%
Revenue Next 2Y59.77%
Revenue Next 3Y40.59%
Revenue Next 5YN/A
EBIT growth 1Y24.33%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year73.92%
EBIT Next 3Y35.25%
EBIT Next 5YN/A
FCF growth 1Y55.48%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y57.64%
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.


What is the profitability of BETR stock?

BETTER HOME & FINANCE HOLDIN (BETR) has a profitability rating of 2 / 10.