BETR Better Home & Finance Holding Company - Class A Common Stock
$12.94
Price · Aug 19, 2026
Fundamentals as of May 11, 2026
52W Range
$13–$94
0% of range
Analyst Rating
BUY
13 analysts
Price Target
$26
+98% upside
P/E (TTM)
—
ROE
—
Net Profit Margin
—
BETR Stock Snapshot Price, market cap, P/E, EPS, ROE, debt/equity, 52-week range
Price
$12.94
Market Cap
—
P/E (TTM)
—
EPS (TTM)
—
Revenue (TTM)
—
Div Yield
—
ROE
—
Debt/Equity
—
52W Range
$13 – $94
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10-Year Performance Revenue, net income, margins and EPS trends
Revenue & Net Income
—
EPS
—
Free Cash Flow
—
Margins
—
Valuation P/E, P/S, P/B, EV/EBITDA ratios — is the stock expensive or cheap?
Metric
5Y trend
BETR
Peer Median
Profitability Gross, operating and net margins; ROE, ROA, ROIC
Metric
5Y trend
BETR
Peer Median
Financial Health Debt, liquidity, solvency — balance sheet strength
Metric
5Y trend
BETR
Peer Median
Growth Revenue, EPS and net income growth: YoY, 3Y CAGR, 5Y CAGR
Metric
5Y trend
BETR
Peer Median
Capital Efficiency Asset turnover, inventory turnover, receivables turnover
Metric
5Y trend
BETR
Peer Median
BETR Analyst Consensus Bullish and bearish analyst opinions, 12-month price target, upside
BUY
13 analysts
- Strong Buy 3 23.1%
- Buy 8 61.5%
- Hold 2 15.4%
- Sell 0 0.0%
- Strong Sell 0 0.0%
12-Month Price Target
6 analysts · 2026-08-18
Median
$25.00
← Below all targets
$12.94
Low
$16.00
High
$35.00
Median target
$25.00
+93.2%
Mean target
$25.67
+98.4%
Earnings History EPS actual vs estimate, surprise %, beat rate, next earnings date
Avg Surprise
-0.52%
| Period | EPS Actual | EPS Est | Surprise |
|---|---|---|---|
| June 30, 2026 | $-1.64 | $-1.33 | -0.31% |
| March 31, 2026 | $-3.01 | $-1.97 | -1.0% |
| Dec. 31, 2025 | $-2.53 | $-2.18 | -0.35% |
| Sept. 30, 2025 | $-2.56 | $-2.18 | -0.38% |
Full Fundamentals All metrics by year — income statement, balance sheet, cash flow
Income Statement 12
| Metric | Trend | Q1 2026 | Q1 2025 |
|---|---|---|---|
| Revenue | $1M | $4M | |
| R&D Expense | $8M | $7M | |
| SG&A Expense | $9M | $11M | |
| Operating Expenses | $98M | $77M | |
| Interest Income | $7M | $8M | |
| Pretax Income | $-51M | $-46M | |
| Income Tax | $-2M | $145.0K | |
| Net Income | $-70M | $-51M | |
| EPS (Basic) | $-4.29 | $-3.33 | |
| EPS (Diluted) | $-4.29 | $-3.33 | |
| Shares (Basic) | 16,410,119 | 15,166,729 | |
| Shares (Diluted) | 16,410,119 | 15,166,729 |
Balance Sheet 12
| Metric | Trend | Q1 2026 | Q1 2025 |
|---|---|---|---|
| Cash & Equivalents | $64M | · | |
| Goodwill | $11M | · | |
| Intangibles | $18M | · | |
| Total Assets | $1.57B | · | |
| Total Liabilities | $1.56B | · | |
| Common Stock | $2.0K | · | |
| Paid-in Capital | $2.15B | · | |
| Retained Earnings | $-2.15B | · | |
| AOCI | $2M | · | |
| Stockholders' Equity | $9M | · | |
| Liabilities + Equity | $1.57B | · | |
| Shares Outstanding | 16,691,934 | · |
Cash Flow 12
| Metric | Trend | Q1 2026 | Q1 2025 |
|---|---|---|---|
| D&A | $3M | $4M | |
| Stock-based Comp | $24M | $4M | |
| Amort. of Intangibles | $3M | $3M | |
| Operating Cash Flow | $-125M | $-57M | |
| CapEx | $378.0K | $202.0K | |
| Investing Cash Flow | $-12M | $-159M | |
| Stock Issued | $12M | $0 | |
| Net Stock Activity | $12M | · | |
| Financing Cash Flow | $105M | $119M | |
| Net Change in Cash | $-13M | $-102M | |
| Taxes Paid | $128.0K | $-680.0K | |
| Free Cash Flow | $-126M | · |
Profitability 4
| Metric | Trend | Q1 2026 | Q1 2025 |
|---|---|---|---|
| Net Margin | -6156.8% | · | |
| Pretax Margin | -4458.5% | · | |
| ROA | -5.5% | · | |
| ROE | 150.2% | · |
Efficiency 1
| Metric | Trend | Q1 2026 | Q1 2025 |
|---|---|---|---|
| Asset Turnover | 0.0 | · |
Valuation (TTM) 9
| Metric | Trend | Q1 2026 | Q1 2025 |
|---|---|---|---|
| Revenue TTM | $11M | · | |
| Net Income TTM | $-196M | · | |
| Market Cap | $595M | · | |
| P/E | -2.8 | · | |
| P/S | 54.7 | · | |
| P/B | 69.5 | · | |
| P / Cash Flow | -4.7 | · | |
| P / FCF | -4.7 | · | |
| Earnings Yield | -35.3% | · |
Financial Statements Income statement, balance sheet, cash flow — annual, last 5 years
Latest News Recent headlines mentioning this company
- A Michigan couple may be the first to use Bitcoin for a standard US mortgage — and they didn't have to sell their coins
- Could Bitcoin Help You Buy Your Next Home? Coinbase Thinks It's Possible.
- Why Better Home & Finance Holding Stock Trounced the Market on Tuesday
- Why Better Home & Finance Holding Stock Zoomed Almost 23% Higher This Week
- Are you making this Roth conversion mistake? Here’s the BETR solution you should know about — and how to implement it
My Metrics Your personal watchlist — selected rows from Full Fundamentals
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Institutional owners (13F) 100 filers · $151.4M total · As of June 30, 2026
Institutions that report holding this stock in their quarterly SEC Form 13F. Long positions only; a single filer may appear twice for separate option legs. Large offsetting put/call legs typically reflect market-making or hedged inventory, not directional conviction.
Institutional activity — Q2 2026 vs prior quarter
| New positions | Exited positions | Increased | Decreased | Net shares change |
|---|---|---|---|---|
| 24 (0 vs prior Q) | 19 (+11 vs prior Q) | 26 (-1 vs prior Q) | 26 (+6 vs prior Q) | +943K |
Compared to Q1 2026. SEC Form 13F filings are due within 45 days of quarter-end plus a short buffer for late filers — quarters still inside that window are skipped in favor of the most recent fully-reported pair.
| Institution | Value | Shares | % of tracked 13F | Type |
|---|---|---|---|---|
| SOFTBANK GROUP CORP. | $17,285,208 | 628,553 | 11.42% | Shares |
| FRONTIER CAPITAL MANAGEMENT CO LLC | $17,203,938 | 625,598 | 11.37% | Shares |
| HEALTHCARE OF ONTARIO PENSION PLAN TRUST FUND | $15,921,400 | 578,960 | 10.52% | Shares |
| VANGUARD CAPITAL MANAGEMENT LLC | $13,633,208 | 495,753 | 9.01% | Shares |
| GOLDMAN SACHS GROUP INC | $9,294,395 | 337,978 | 6.14% | Shares |
| CITADEL ADVISORS LLC | $9,239,698 | 335,989 | 6.10% | Shares |
| Whetstone Capital Advisors, LLC | $6,984,643 | 253,987 | 4.61% | Shares |
| BNP PARIBAS FINANCIAL MARKETS | $6,095,018 | 221,637 | 4.03% | Shares |
| SUSQUEHANNA INTERNATIONAL GROUP, LLP | $5,552,250 | 201,900 | 3.67% | Call option |
| GEODE CAPITAL MANAGEMENT, LLC | $5,534,803 | 201,220 | 3.66% | Shares |
| STATE STREET CORP | $4,964,465 | 180,526 | 3.28% | Shares |
| UBS Group AG | $3,095,483 | 112,563 | 2.05% | Shares |
| GRATIA CAPITAL, LLC | $2,762,595 | 100,458 | 1.83% | Shares |
| CITADEL ADVISORS LLC | $2,637,250 | 95,900 | 1.74% | Call option |
| VANGUARD FIDUCIARY TRUST CO | $1,977,828 | 71,921 | 1.31% | Shares |
| VANGUARD PORTFOLIO MANAGEMENT LLC | $1,903,853 | 69,231 | 1.26% | Shares |
| SUSQUEHANNA INTERNATIONAL GROUP, LLP | $1,859,000 | 67,600 | 1.23% | Put option |
| COMERICA BANK | $1,818,844 | 55,827 | 1.20% | Shares |
| Hudson Bay Capital Management LP | $1,704,588 | 61,985 | 1.13% | Shares |
| Walleye Capital LLC | $1,604,213 | 58,335 | 1.06% | Shares |
| Stoic Point Capital Management LLC | $1,565,988 | 56,945 | 1.03% | Shares |
| Daiwa Securities Group Inc. | $1,518,000 | 55,200 | 1.00% | Shares |
| Daiwa Securities Group Inc. | $1,518,000 | 55,200 | 1.00% | Put option |
| BARCLAYS PLC | $1,406,131 | 51,132 | 0.93% | Shares |
| SUSQUEHANNA FUNDAMENTAL INVESTMENTS, LLC | $1,317,525 | 47,910 | 0.87% | Shares |
| INTRINSIC EDGE CAPITAL MANAGEMENT LLC | $1,296,790 | 47,156 | 0.86% | Shares |
| FIFTH THIRD BANCORP | $1,091,420 | 39,688 | 0.72% | Shares |
| CITADEL ADVISORS LLC | $1,058,750 | 38,500 | 0.70% | Put option |
| ExodusPoint Capital Management, LP | $1,002,732 | 36,463 | 0.66% | Shares |
| JANE STREET GROUP, LLC | $926,750 | 33,700 | 0.61% | Call option |
| SUSQUEHANNA INTERNATIONAL GROUP, LLP | $845,763 | 30,755 | 0.56% | Shares |
| CHARLES SCHWAB INVESTMENT MANAGEMENT INC | $825,110 | 30,004 | 0.55% | Shares |
| MILLENNIUM MANAGEMENT LLC | $754,298 | 27,429 | 0.50% | Shares |
| Engineers Gate Manager LP | $693,220 | 25,208 | 0.46% | Shares |
| Quantinno Capital Management LP | $566,418 | 20,597 | 0.37% | Shares |
| Swiss National Bank | $486,750 | 17,700 | 0.32% | Shares |
| JANE STREET GROUP, LLC | $341,000 | 12,400 | 0.23% | Put option |
| ALLIANCEBERNSTEIN L.P. | $334,828 | 9,400 | 0.22% | Shares |
| RHUMBLINE ADVISERS | $238,559 | 8,675 | 0.16% | Shares |
| BANK OF AMERICA CORP /DE/ | $217,140 | 7,896 | 0.14% | Shares |
| VANGUARD ASSET MANAGEMENT, Ltd | $210,540 | 7,656 | 0.14% | Shares |
| CALIFORNIA STATE TEACHERS RETIREMENT SYSTEM | $196,052 | 5,504 | 0.13% | Shares |
| BlackRock, Inc. | $172,673 | 6,279 | 0.11% | Shares |
| MetLife Investment Management, LLC | $142,835 | 5,194 | 0.09% | Shares |
| Bank of New York Mellon Corp | $131,203 | 4,771 | 0.09% | Shares |
| Vanguard Global Advisers, LLC | $124,850 | 4,540 | 0.08% | Shares |
| CITIGROUP INC | $115,995 | 4,218 | 0.08% | Shares |
| MIRAE ASSET GLOBAL ETFS HOLDINGS Ltd. | $101,118 | 3,677 | 0.07% | Shares |
| Russell Investments Group, Ltd. | $98,312 | 3,575 | 0.06% | Shares |
| VANGUARD GROUP INC | $86,174 | 2,645 | 0.06% | Shares |
| Nuveen, LLC | $84,893 | 3,087 | 0.06% | Shares |
| State of Wyoming | $84,122 | 3,059 | 0.06% | Shares |
| Police & Firemen's Retirement System of New Jersey | $82,418 | 2,997 | 0.05% | Shares |
| MORGAN STANLEY | $79,530 | 2,892 | 0.05% | Shares |
| MERCER GLOBAL ADVISORS INC /ADV | $71,473 | 2,599 | 0.05% | Shares |
| NEW YORK STATE COMMON RETIREMENT FUND | $68,750 | 2,500 | 0.05% | Shares |
| Vanguard Investments Australia, Ltd. | $51,013 | 1,855 | 0.03% | Shares |
| STRS OHIO | $49,500 | 1,800 | 0.03% | Shares |
| Solstein Capital, LLC | $36,933 | 1,343 | 0.02% | Shares |
| NORTHERN TRUST CORP | $34,403 | 1,251 | 0.02% | Shares |
| KLP KAPITALFORVALTNING AS | $33,000 | 1,200 | 0.02% | Shares |
| CWM, LLC | $27,427 | 770 | 0.02% | Shares |
| Tower Research Capital LLC (TRC) | $26,922 | 979 | 0.02% | Shares |
| Legal & General Group Plc | $21,285 | 774 | 0.01% | Shares |
| Federation des caisses Desjardins du Quebec | $20,625 | 750 | 0.01% | Shares |
| FMR LLC | $14,053 | 511 | 0.01% | Shares |
| Ameritas Investment Partners, Inc. | $13,778 | 501 | 0.01% | Shares |
| Richard W. Paul & Associates, LLC | $11,000 | 400 | 0.01% | Shares |
| Arax Advisory Partners | $7,920 | 288 | 0.01% | Shares |
| Advocate Investing Services LLC | $7,838 | 285 | 0.01% | Shares |
| ROYAL BANK OF CANADA | $7,000 | 242 | 0.00% | Shares |
| Rockefeller Capital Management L.P. | $6,600 | 240 | 0.00% | Shares |
| CIBC Private Wealth Group LLC | $5,614 | 100 | 0.00% | Shares |
| Clearstead Advisors, LLC | $5,583 | 203 | 0.00% | Shares |
| SBI Securities Co., Ltd. | $5,555 | 202 | 0.00% | Shares |
| Versant Capital Management, Inc | $5,335 | 194 | 0.00% | Shares |
| AQR CAPITAL MANAGEMENT LLC | $5,198 | 189 | 0.00% | Shares |
| DEUTSCHE BANK AG\ | $4,373 | 159 | 0.00% | Shares |
| CGC Financial Services, LLC | $4,180 | 152 | 0.00% | Shares |
| Global Retirement Partners, LLC | $3,355 | 122 | 0.00% | Shares |
| JONES FINANCIAL COMPANIES LLLP | $3,337 | 130 | 0.00% | Shares |
| WELLS FARGO & COMPANY/MN | $1,788 | 65 | 0.00% | Shares |
| GAMMA Investing LLC | $1,760 | 64 | 0.00% | Shares |
| Integrated Wealth Concepts LLC | $1,515 | 55 | 0.00% | Shares |
| CREATIVE FINANCIAL DESIGNS INC /ADV | $1,375 | 50 | 0.00% | Shares |
| PlanVest Financial, Inc | $1,100 | 40 | 0.00% | Shares |
| JPMORGAN CHASE & CO | $1,063 | 40 | 0.00% | Shares |
| Essential Partners LLC | $853 | 31 | 0.00% | Shares |
| Sterling Capital Management LLC | $770 | 28 | 0.00% | Shares |
| True Wealth Design, LLC | $633 | 23 | 0.00% | Shares |
| GROUP ONE TRADING LLC | $440 | 16 | 0.00% | Shares |
| PNC Financial Services Group, Inc. | $413 | 15 | 0.00% | Shares |
| US BANCORP \DE\ | $358 | 13 | 0.00% | Shares |
| ASSETMARK, INC | $248 | 9 | 0.00% | Shares |
| Allworth Financial LP | $193 | 7 | 0.00% | Shares |
| Fortitude Family Office, LLC | $165 | 6 | 0.00% | Shares |
| OSAIC HOLDINGS, INC. | $55 | 2 | 0.00% | Shares |
| Stone House Investment Management, LLC | $55 | 2 | 0.00% | Shares |
| IFP Advisors, Inc | $55 | 2 | 0.00% | Shares |
| EverSource Wealth Advisors, LLC | $28 | 1 | 0.00% | Shares |
Company insiders 10 insiders · 2 officers · 6 directors
| Insider | Role | Last activity | Shares owned | Buys 12m | Sells 12m | Net 12m |
|---|---|---|---|---|---|---|
| Kevin J Ryan | Chief Financial Officer | Nov. 1, 2025 M | 60,530 | 0 | 0 | $0 |
| Caroline Harding | Chief Financial Officer | April 15, 2021 J | 625 | 0 | 0 | $0 |
| Harit Talwar | Director | June 9, 2026 M | 64,889 | 5 | 0 | $591,980 |
| David Michael Barse | Director | June 9, 2026 M | 10,389 | 0 | 0 | $0 |
| Hugh R Frater | Director | June 9, 2026 M | 6,326 | 1 | 0 | $125,351 |
| Prabhu Narasimhan | Director | June 2, 2025 S | 59,915 | 0 | 0 | $0 |
| Riaz Valani | Director | May 17, 2024 C | 879,765 | 0 | 0 | $0 |
| Thor Bjorgolfsson | 10% owner | Dec. 13, 2024 S | 818,780 | 0 | 0 | $0 |
| Novator Capital Sponsor Ltd. | 10% owner | Nov. 13, 2024 S | 266,162 | 0 | 0 | $0 |
| Vishal Garg | — | May 21, 2026 P | 118,260 | 17 | 0 | $2,399,412 |
Insiders from SEC Form 3/4/5 filings; net = open-market P/S only
Activists & 5%+ owners 10 positions
Investors who filed SEC Schedule 13D — beneficial ownership above 5% with an intent to influence the issuer (activist stakes, board campaigns, M&A). Each row shows the most recent known state of that filer's position.
| Filer | Filed | Stake | Status | Purpose | Filing |
|---|---|---|---|---|---|
| Vishal Garg, 1/0 Real Estate, LLC, The 718 4Ever Trust I ×5 filings | May 29, 2026 | 13.50% | Amendment | — | SEC |
| Novator Capital Sponsor Ltd., The Telco Holding Trust, Thor Bjorgolfsson ×10 filings | May 19, 2026 | 7.30% | Amendment | — | SEC |
| Pine Brook Capital Partners II, L.P., Pine Brook Road Associates II, L.P., Pine Brook Road Advisors, L.P., PBRA, LLC, NEWMAN HOWARD H ×3 filings | Sept. 24, 2025 | 0.00% | Amendment | — | SEC |
| SoftBank Group Corp., SVF II Beaver (DE) LLC, SVF II Holdings (DE) LLC, SVF II Aggregator (Jersey) L.P., SoftBank Vision Fund II-2 L.P., SB Global Advisers Limited, SB Northstar LP, Silver Brick Management PTE. LTD. | April 30, 2025 | 12.80% | Amendment | — | SEC |
| Steven Sarracino, Activant Ventures Advisors III, LLC, Activant Capital Management, LLC, Activant Ventures III, L.P., Activant Holdings I, Ltd., Activant Ventures III Opportunities Fund 1, L.P., Activant Ventures III Opportunities Fund 2, L.P., Activant Ventures III Opportunities Fund 3, L.P., Activant Ventures III Opportunities Fund 4, L.P., Activant Ventures III Opportunities Fund 6, L.P., PAVF Holding Company Limited, Better Voyager Partners Company Limited ×4 filings | Oct. 25, 2024 | — | Initial filing | — | SEC |
| Riaz Valani | Sept. 3, 2024 | — | Initial filing | — | SEC |
| 1/0 Mortgage Investment, LLC, Better Portfolio Holdings 1 LLC, Riaz Valani ×3 filings | June 4, 2024 | — | Initial filing | — | SEC |
| LCG4 Best, L.P., L Catterton Growth Managing Partner I V , L.P., LCG4 Managers L.L.C., James Michael Chu, Scott Arnold Dahnke | Sept. 1, 2023 | — | Initial filing | Board campaign | SEC |
| SVF II Beaver (DE) LLC, SVF II Holdings (DE) LLC, SVF II Aggregator (Jersey) L.P., SoftBank Vision Fund II-2 L.P., SB Global Advisers Limited, SB Northstar LP, Silver Brick Management PTE. LTD., SoftBank Group Corp. | Sept. 1, 2023 | — | Initial filing | — | SEC |
| Unbound Holdco Ltd., Shravin Mittal | March 23, 2021 | — | Initial filing | — | SEC |
Purpose is an automated classification of the filer's own stated purpose (SEC Item 4) — not investment advice. "—" means no clear purpose was stated or the text could not be classified.
ETF ownership Held by 18 ETFs
Weight reflects direct equity holdings (N-PORT) only; leveraged or derivative-based funds may hold additional swap exposure not shown.
| Fund | Weight | Units | As of | Source |
|---|---|---|---|---|
| IWC · iShares Trust | 0.03% | 26,886 SH | Aug. 8, 2026 | Daily |
| VTWO · VANGUARD SCOTTSDALE FUNDS | 0.01% | 45,852 SH | Aug. 8, 2026 | Daily |
| VTWG · VANGUARD SCOTTSDALE FUNDS | 0.01% | 8,611 SH | Aug. 8, 2026 | Daily |
| SFGV · EA Series Trust | 0.01% | 4,474 NS | May 29, 2026 | N-PORT |
| IWO · iShares Trust | 0.01% | 73,165 SH | Aug. 8, 2026 | Daily |
| RSSL · Global X Funds | 0.01% | 2,438 NS | April 30, 2026 | N-PORT |
| IWM · iShares Trust | 0.00% | 211,179 SH | Aug. 8, 2026 | Daily |
| ITWO · ProShares Trust | 0.00% | 282 NS | May 31, 2026 | N-PORT |
| FNCL · FIDELITY COVINGTON TRUST | 0.00% | 1,756 NS | April 30, 2026 | N-PORT |
| UWM · ProShares Trust | 0.00% | 220 NS | May 31, 2026 | N-PORT |
| URTY · ProShares Trust | 0.00% | 223 NS | May 31, 2026 | N-PORT |
| HDG · ProShares Trust | 0.00% | 6 NS | May 31, 2026 | N-PORT |
| ITOT · iShares Trust | 0.00% | 12,663 SH | Aug. 8, 2026 | Daily |
| IWV · iShares Trust | 0.00% | 2,927 SH | Aug. 8, 2026 | Daily |
| VXF · VANGUARD INDEX FUNDS | 0.00% | 120,888 SH | Aug. 8, 2026 | Daily |
| VTI · VANGUARD INDEX FUNDS | 0.00% | 365,092 SH | Aug. 8, 2026 | Daily |
| VTHR · VANGUARD SCOTTSDALE FUNDS | 0.00% | 400 SH | Aug. 8, 2026 | Daily |
| VFH · VANGUARD WORLD FUND | 0.00% | 14,368 SH | Aug. 8, 2026 | Daily |