Better Home & Finance Holding Company
BETR Financial Mortgage Finance
Better Home & Finance Holding Company’s revenue for fiscal 2025 (year ended December 2025) was $207.7 million, up 59.8% from fiscal 2024. In the quarter to June 2026, revenue grew 25.8%, EPS grew 31.4% and free cash flow grew 136.1%, each against the same quarter a year earlier. Insiders bought in the last twelve months.
Follow BETR
Better Home & Finance Holding Company (BETR) Piotroski F-score
Better Home & Finance Holding Company's Piotroski F-score for fiscal 2025 is 4 out of 9: 4 of nine tests of profitability, leverage and efficiency passed, unchanged from fiscal 2024.
Piotroski F-score, annual
Embed this chart
Annual newest first
| Period | Piotroski F-score | Change (points) |
|---|---|---|
| FY2025 | 4 | 0.00 |
| FY2024 | 4 | 0.00 |
| FY2023 | 4 | — |
How fiscal 2025’s score is made up
| Test | This year | Year before | Result | Points |
|---|---|---|---|---|
| Positive return on assets | (13.72%) | (22.69%) | Fail | 0 |
| Positive operating cash flow | (166.57m) | (379.97m) | Fail | 0 |
| Rising return on assets | (13.72%) | (22.69%) | Pass | 1 |
| Cash flow above net income | (703.00k) | (173.68m) | Fail | 0 |
| Falling long-term leverage | 0.00 | 0.00 | Pass | 1 |
| Rising current ratio | 0.98 | 0.86 | Pass | 1 |
| No new shares issued | 15,358,000 | 15,112,000 | Fail | 0 |
| Rising gross margin | 79.37% | 83.47% | Fail | 0 |
| Rising asset turnover | 0.17 | 0.14 | Pass | 1 |
| Piotroski F-score | Mixed | 4 | ||
How the Piotroski F-score works
One point for each of nine tests, this fiscal year against the one before: positive return on assets, positive operating cash flow, rising return on assets, cash flow above net income, falling long-term leverage, a rising current ratio, no new shares issued, a rising gross margin and rising asset turnover. The ratios are the ones on this site, so each can be checked.
Joseph Piotroski (2000) called 8–9 high and 0–1 low; reading it in three bands is the common convention:
| 7–9 | Strong — most fundamentals improved |
|---|---|
| 4–6 | Mixed |
| 0–3 | Weak — most fundamentals deteriorated |
Where this differs from the paper: return on assets is on average rather than beginning-of-year assets, and weighted basic shares stand in for shares issued. The score is shown only when all nine tests can be worked out, which takes three fiscal years; banks and insurers, which report no current assets or gross profit, have none.
Piotroski F-score against peers
| Company | Piotroski F-score |
|---|---|
| PAPL Pineapple Financial Inc. compare | 5 |
| BETR Better Home & Finance Holding Company | 4 |
| ONIT Onity Group Inc. compare | 4 |
| BLNE Beeline Holdings, Inc. compare | 4 |
| LDI loanDepot, Inc. compare | 4 |
| GHI Greystone Housing Impact Investors LP compare | 3 |
| VEL Velocity Financial, Inc. compare | — |
| IOR Income Opportunity Realty Investors, Inc. compare | — |
| WD Walker & Dunlop, Inc. compare | — |
What Piotroski F-score is
The Piotroski F-Score tells an investor how many signs of improving profitability, funding and efficiency a company shows against a year earlier.
One point for each of nine tests against a year earlier: positive return on assets, positive operating cash flow, rising return on assets, cash flow above net income, falling long-term leverage, rising current ratio, no new shares issued, rising gross margin, and rising asset turnover