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Better Home & Finance Holding Company BETR

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Price alert · BETR

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15.24 USD -0.15 (-1.01%)

Nov 12, 2026, 10:28 AM EST

15.00 Day range 15.89
7.51 52-week range 62.50
YTD
-53.22%
1 year
-74.24%

Financial health

Altman Z-Score

-2.15 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

1 / 9 Weak

Nine pass/fail tests of profitability, leverage and efficiency.

Rating

C-1 / 5 overall

  • DCF 1
  • Return on Equity 1
  • Return on Assets 1
  • Debt / Equity 4
  • P/E 1
  • P/B 1

Valuation

P/E -3.0×
FY 2015: 3981×FY 2016: 1362×FY 2020: -0.1×FY 2021: -1207×FY 2022: -417×FY 2023: -35.2×FY 2024: -0.7×FY 2025: -3.0×
FY 2015 5y median -35.2× FY 2025
P/S 2.6×
FY 2015: 211×FY 2016: 137×FY 2020: 0.0×FY 2021: 278×FY 2022: 942×FY 2023: 118×FY 2024: 1.1×FY 2025: 2.6×
FY 2015 5y median 118× FY 2025
P/B 13.4×
FY 2015: 2510×FY 2016: 715×FY 2020: 0.0×FY 2021: 540×FY 2022: -2216×FY 2023: 85.3×FY 2024: -2.3×FY 2025: 13.4×
FY 2015 5y median 13.4× FY 2025
P/FCF -3.0×
FY 2015: 838×FY 2016: -5485×FY 2020: -0.1×FY 2021: 1248×FY 2022: 412×FY 2023: -61.7×FY 2024: -0.3×FY 2025: -3.0×
FY 2015 5y median -0.3× FY 2025
EV/EBITDA -9.2×
FY 2015: 922×FY 2016: 493×FY 2020: 0.0×FY 2021: -2091×FY 2022: -712×FY 2023: -23.1×FY 2024: -4.5×FY 2025: -9.2×
FY 2015 5y median -23.1× FY 2025
EV/Sales 5.2×
FY 2015: 211×FY 2016: 137×FY 2020: 0.0×FY 2021: 279×FY 2022: 944×FY 2023: 120×FY 2024: 5.8×FY 2025: 5.2×
FY 2015 5y median 120× FY 2025
FCF Yield -33.6%
FY 2015: 0.1%FY 2016: -0.0%FY 2020: -706.5%FY 2021: 0.1%FY 2022: 0.2%FY 2023: -1.6%FY 2024: -289.4%FY 2025: -33.6%
FY 2015 5y median -1.6% FY 2025

Profitability

Gross Margin 77.7%
FY 2015: 56.0%FY 2016: 48.0%FY 2020: 0.0%FY 2021: 26.1%FY 2022: -75.6%FY 2023: -69.3%FY 2024: -35.4%FY 2025: 77.7%
FY 2015 5y median -35.4% FY 2025
Operating Margin -64.3%
FY 2015: 19.9%FY 2016: 22.3%FY 2020: 0.0%FY 2021: -18.3%FY 2022: -217.4%FY 2023: -329.1%FY 2024: -156.6%FY 2025: -64.3%
FY 2015 5y median -156.6% FY 2025
Net Margin -86.7%
FY 2015: 5.4%FY 2016: 10.1%FY 2020: 0.0%FY 2021: -23.0%FY 2022: -222.0%FY 2023: -606.1%FY 2024: -171.8%FY 2025: -86.7%
FY 2015 5y median -171.8% FY 2025
ROE -446.1%
FY 2015: 64.1%FY 2016: 52.8%FY 2020: 0.0%FY 2021: -44.5%FY 2022: 522.4%FY 2023: -437.5%FY 2024: 354.6%FY 2025: -446.1%
FY 2015 5y median -44.5% FY 2025
ROIC -8.2%
FY 2015: 4.8%FY 2016: 5.0%FY 2020: 0.0%FY 2021: -9.0%FY 2022: -89.2%FY 2023: -35.6%FY 2024: -26.1%FY 2025: -8.2%
FY 2015 5y median -26.1% FY 2025
ROA -11.0%
FY 2015: 2.7%FY 2016: 3.3%FY 2020: 0.0%FY 2021: -9.1%FY 2022: -81.0%FY 2023: -59.2%FY 2024: -22.6%FY 2025: -11.0%
FY 2015 5y median -22.6% FY 2025

Growth (YoY)

Revenue 59.4%
FY 2015: 0.0%FY 2016: 47.2%FY 2020: 0.0%FY 2021: 0.0%FY 2022: -69.9%FY 2023: -77.6%FY 2024: 35.7%FY 2025: 59.4%
FY 2015 FY 2025
Operating Income 34.6%
FY 2015: 0.0%FY 2016: 64.8%FY 2020: 0.0%FY 2021: -1198280.0%FY 2022: -258.4%FY 2023: 66.1%FY 2024: 35.5%FY 2025: 34.6%
FY 2015 FY 2025
EPS (diluted) 20.7%
FY 2015: 0.0%FY 2016: 192.3%FY 2020: 0.0%FY 2021: 100.0%FY 2022: -195.1%FY 2023: 4.1%FY 2024: -1076.7%FY 2025: 20.7%
FY 2015 FY 2025
Free Cash Flow 57.0%
FY 2015: 0.0%FY 2016: -114.6%FY 2020: 0.0%FY 2021: 1462935.0%FY 2022: 208.6%FY 2023: -118.8%FY 2024: -130.1%FY 2025: 57.0%
FY 2015 FY 2025

Financial Health

Current Ratio 0.6×
FY 2015: 0.7×FY 2016: 1.3×FY 2020: 0.0×FY 2021: 1.3×FY 2022: 2.6×FY 2023: 3.8×FY 2024: 2.0×FY 2025: 0.6×
FY 2015 5y median 2.0× FY 2025
Quick Ratio 0.6×
FY 2015: 0.5×FY 2016: 1.0×FY 2020: 0.0×FY 2021: 1.3×FY 2022: 2.6×FY 2023: 3.8×FY 2024: 0.8×FY 2025: 0.6×
FY 2015 5y median 1.3× FY 2025
Debt / Equity 16.5×
FY 2015: 1.1×FY 2016: 0.1×FY 2020: 0.0×FY 2021: 3.5×FY 2022: -6.5×FY 2023: 5.5×FY 2024: -13.2×FY 2025: 16.5×
FY 2015 5y median 3.5× FY 2025
Net Debt / EBITDA -4.6×
FY 2015: -0.1×FY 2016: -0.0×FY 2020: 0.0×FY 2021: -8.2×FY 2022: -1.5×FY 2023: -0.4×FY 2024: -3.6×FY 2025: -4.6×
FY 2015 5y median -3.6× FY 2025
Interest Coverage -2.9×
FY 2015: 2.9×FY 2016: 2.6×FY 2020: 0.0×FY 2021: -2.4×FY 2022: -2.8×FY 2023: -9.2×FY 2024: 0.0×FY 2025: -2.9×
FY 2015 5y median -2.8× FY 2025

Dividends

Dividend Yield 0.0%
FY 2015: 0.0%FY 2016: 0.0%FY 2020: 0.0%FY 2021: 0.0%FY 2022: 0.0%FY 2023: 0.0%FY 2024: 0.0%FY 2025: 0.0%
FY 2015 5y median 0.0% FY 2025
Payout Ratio 0.0%
FY 2015: 0.0%FY 2016: 0.0%FY 2020: 0.0%FY 2021: 0.0%FY 2022: 0.0%FY 2023: 0.0%FY 2024: 0.0%FY 2025: 0.0%
FY 2015 5y median 0.0% FY 2025

Annual · latest fiscal year ends 2025-12-31