Better Home & Finance Holding (BETR) Stock Overview
Operates as a homeownership company in the United States. More details
| Snowflake Score | |
|---|---|
| Valuation | 2/6 |
| Future Growth | 2/6 |
| Past Performance | 0/6 |
| Financial Health | 1/6 |
| Dividends | 0/6 |
Rewards
Risk Analysis
BETR Community Fair Values
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Analyst Price Targets
Better Home & Finance Holding Company Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | US$13.54 |
| 52 Week High | US$94.06 |
| 52 Week Low | US$13.18 |
| Beta | 1.77 |
| 1 Month Change | -42.19% |
| 3 Month Change | -46.40% |
| 1 Year Change | -22.23% |
| 3 Year Change | -98.77% |
| 5 Year Change | -97.28% |
| Change since IPO | -97.38% |
Recent News & Updates
Better Home & Finance Holding Company Still Very Much A Work In Progress
Summary Better Home & Finance remains a high-risk investment, with ongoing large losses and a steep valuation despite operational improvements. BETR is pivoting aggressively toward HELOCs and enterprise partnerships, aiming for higher-margin growth as mortgage origination volumes remain pressured by macro headwinds. Leadership transition brings a renewed focus on cost reduction, platform efficiency, and partner-driven distribution, but profitability remains elusive and guidance is cautious. Despite improved Q2 results and cost savings, the stock’s low float, high short interest, and speculative history make it suitable only for high-risk tolerant investors. Read the full article on Seeking Alpha
BETR: Leadership Shift And Partner Model Transition Will Reset Risk Reward Profile
Analysts have lowered their price target on Better Home & Finance Holding from $40.00 to $33.50, citing updated assumptions for revenue growth, profit margins, discount rate and future P/E that reflect a more balanced view of the company’s potential risk and return profile. What’s in the News for Better Home & Finance Holding Founder Vishal Garg stepped down as CEO after about 12 years in the role, and board member Daniel Lewis was appointed interim CEO, as Better Home & Finance Holding adjusts its leadership and direction.Recent updates
Better Home & Finance Holding Company Still Very Much A Work In Progress
Summary Better Home & Finance remains a high-risk investment, with ongoing large losses and a steep valuation despite operational improvements. BETR is pivoting aggressively toward HELOCs and enterprise partnerships, aiming for higher-margin growth as mortgage origination volumes remain pressured by macro headwinds. Leadership transition brings a renewed focus on cost reduction, platform efficiency, and partner-driven distribution, but profitability remains elusive and guidance is cautious. Despite improved Q2 results and cost savings, the stock’s low float, high short interest, and speculative history make it suitable only for high-risk tolerant investors. Read the full article on Seeking AlphaBETR: Leadership Shift And Partner Model Transition Will Reset Risk Reward Profile
Analysts have lowered their price target on Better Home & Finance Holding from $40.00 to $33.50, citing updated assumptions for revenue growth, profit margins, discount rate and future P/E that reflect a more balanced view of the company’s potential risk and return profile. What’s in the News for Better Home & Finance Holding Founder Vishal Garg stepped down as CEO after about 12 years in the role, and board member Daniel Lewis was appointed interim CEO, as Better Home & Finance Holding adjusts its leadership and direction.
BETR: Bitcoin-Backed Mortgage Expansion Will Drive Future Upside Potential
Analysts have revised their price target for Better Home & Finance Holding from $53 to $42, citing updated assumptions for revenue growth, profit margins, the discount rate, and the future P/E multiple in their valuation work. What’s in the News for Better Home & Finance Holding Better Home & Finance Holding was added to several Russell Growth Benchmarks, including the Russell 3000 Growth, 3000E Growth, 2000 Growth, 2500 Growth, Microcap Growth, and Small Cap Comp Growth indices, according to Russell index reconstitution data.
BETR: Expanded Warehouse Capacity Will Support Future Mortgage Origination Growth
Analysts have trimmed their price target for Better Home & Finance Holding to $35 from $40, citing updated fair value estimates, a slightly higher discount rate, and refreshed assumptions for revenue growth, profit margin, and future P/E multiples. What’s in the News for Better Home & Finance Holding Better Home & Finance Holding and Coinbase announced the funding of what they describe as the first Fannie Mae backed mortgage collateralized by Bitcoin in the US, with plans to roll out the token backed product to qualified borrowers nationwide by Summer 2026, initially supporting Bitcoin and USDC as pledged collateral.Partner Dependence And Product Mix Risks Will Challenge AI Automation Benefits Over Time
Catalysts About Better Home & Finance Holding Better Home & Finance Holding provides mortgage and home equity financing solutions supported by its Tinman AI platform and partner distribution network. What are the underlying business or industry changes driving this perspective?Tinman AI And HELOC Expansion Will Transform Long Term Earnings Power
Catalysts About Better Home & Finance Holding Better Home & Finance Holding provides mortgage, refinance and home equity products through a technology focused lending platform and partnership model. What are the underlying business or industry changes driving this perspective?AI Mortgage Partnerships And Home Equity Tailwinds Will Reshape Long-Term Prospects
Catalysts About Better Home & Finance Holding Better Home & Finance Holding provides AI driven mortgage and home equity origination, offering its Tinman and Betsy platforms to both direct consumers and institutional partners across the home finance market. What are the underlying business or industry changes driving this perspective?Shareholder Returns
| BETR | US Diversified Financial | US Market | |
|---|---|---|---|
| 7D | -25.0% | -2.3% | 0.1% |
| 1Y | -22.2% | -0.8% | 18.9% |
Return vs Industry: BETR underperformed the US Diversified Financial industry which returned 0.7% over the past year.
Return vs Market: BETR underperformed the US Market which returned 20.1% over the past year.
Price Volatility
| BETR volatility | |
|---|---|
| BETR Average Weekly Movement | 17.1% |
| Diversified Financial Industry Average Movement | 6.2% |
| Market Average Movement | 7.2% |
| 10% most volatile stocks in US Market | 16.4% |
| 10% least volatile stocks in US Market | 3.1% |
Stable Share Price: BETR's share price has been volatile over the past 3 months compared to the US market.
Volatility Over Time: BETR's weekly volatility (17%) has been stable over the past year, but is still higher than 75% of US stocks.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| n/a | 1,329 | Daniel Lewis | better.com |
Better Home & Finance Holding Company operates as a homeownership company in the United States. The company provides government-sponsored enterprise (GSE) conforming loans, Federal Housing Administration insured loans, Department of Veterans Affairs guaranteed loans, and jumbo loans to GSEs, banks, insurance companies, asset managers, and mortgage real estate investment trusts. It offers real estate agent services, title insurance and settlement services, and homeowners insurance services.
Better Home & Finance Holding Company Fundamentals Summary
| BETR fundamental statistics | |
|---|---|
| Market cap | US$260.85m |
| Earnings (TTM) | -US$168.35m |
| Revenue (TTM) | US$193.06m |
Is BETR overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| BETR income statement (TTM) | |
|---|---|
| Revenue | US$193.06m |
| Cost of Revenue | US$0 |
| Gross Profit | US$193.06m |
| Other Expenses | US$361.41m |
| Earnings | -US$168.35m |
Last Reported Earnings
Jun 30, 2026
Next Earnings Date
n/a
| Earnings per share (EPS) | -8.86 |
| Gross Margin | 100.00% |
| Net Profit Margin | -87.20% |
| Debt/Equity Ratio | 1,135.5% |
How did BETR perform over the long term?
See historical performance and comparisonCompany Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2026/08/17 10:50 |
| End of Day Share Price | 2026/08/17 00:00 |
| Earnings | 2026/06/30 |
| Annual Earnings | 2025/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* Example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.
Analysis Model and Snowflake
Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.
Learn about the world class team who designed and built the Simply Wall St analysis model.
Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
Better Home & Finance Holding Company is covered by 7 analysts. 6 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Douglas Harter | BTIG |
| Joseph Vafi | Canaccord Genuity |
| Ramsey El-Assal | Cantor Fitzgerald & Co. |