Saturday 17 October 2026 Export BETR’s income statement to Excel — free account

Better Home & Finance Holding Company

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.

9.95 0.81 −7.53%

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Market cap: $204.6M
P/E: 0.0×
Fwd P/E: −4.1×
Dividend yield: —
F-score: 4/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total buys 10.68

Total sells 2.21

Totals in millions of $.

	Dec 25			Mar 26			Jun 26			Sep 26
Buy	—	1	—	—	7	8	7	1	—	—	—	—
Sell	—	2	3	4	1	—	1	—	—	1	1	—

Insider Ownership 58.24%

Capital & Financial Ratios $m

Market Cap 204.56

Revenue 237.62

Net Income (168.35)

Free Cash Flow (165.79)

Net Debt (111.88)

Current Ratio 0.91

Debt/Equity 0.00

P/E ratio 0.00

Fwd P/E (4.09)

P/S ratio 0.78

P/B ratio 3.21

Past 5Y EPS Growth —

This Y EPS Growth 27.82%

Next Y EPS Growth 74.08%

Next Y revenue growth (1.93%)

Next 5Y EPS Growth 68.51%

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/S against its own 10 years 0.63%

10-year low 10-year high

P/B against its own 10 years 17.23%

10-year low 10-year high

Dividends

Payout Ratio —

Annual Dividend Rate —

Annual Dividend Yield —

Assets vs Liabilities $m

	2023	2024	2025	Q'26
Cash	554	289	220	112
Receivables	—	—	—	—
Inventory	—	—	—	—
Other	—	—	—	—
	745	818	1,425	641

	2023	2024	2025	Q'26
Payables	78	182	838	50
ST’ Debt	—	—	—	—
Other	—	—	—	—
	719	946	1,448	703

Compound Annual Growth %

	10y	5y	3y
Sales	—	—	(19.29%)
Cash Flow	—	0.00%	0.00%
Earnings	—	0.00%	0.00%
Book Value	—	494.67%	0.00%

Revenue $m

	Mar	Jun	Sep	Dec	Year
’26	53	61	—	—	—
’25	36	48	56	67	208
’24	27	37	34	32	130
’23	24	39	20	22	104
’22	2	4	31	(207)	395

Fiscal quarters ending in the months shown.

Operating Cash Flow $m

	Mar	Jun	Sep	Dec	Year
’26	(125)	23	—	—	—
’25	(57)	(56)	4	(57)	(167)
’24	(43)	(221)	(11)	(106)	(380)
’23	(163)	21	63	(80)	(160)
’22	0	0	979	(980)	938
’21	0	(2)	0	(1)	(3)

Fiscal quarters ending in the months shown.

Free Cash Flow $m

	Mar	Jun	Sep	Dec	Year
’26	(128)	21	—	—	—
’25	(60)	(59)	1	(60)	(178)
’24	(44)	(224)	(14)	(106)	(387)
’23	(166)	18	60	(81)	(169)
’22	0	0	953	(984)	908
’21	0	(2)	0	(1)	(3)

Fiscal quarters ending in the months shown.

EPS $

	Mar	Jun	Sep	Dec	Year
’26	(4.29)	(1.64)	—	—	—
’25	(3.33)	(2.39)	(2.56)	(2.53)	(10.80)
’24	(3.50)	(2.50)	(3.58)	(3.91)	(13.65)
’23	(14.73)	(7.38)	(34.00)	(0.35)	(58.00)
’22	4.83	8.55	(38.72)	33.04	(150.54)
’21	(15.50)	(28.50)	(1.00)	18.10	(26.27)

Fiscal quarters ending in the months shown.

Group	Line	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026e
Price, $
Price, $	Low	—	—	—	—	—	481.00	489.00	17.05	8.79	7.71	Analyst estimates 2026–2028 Powerpack
	High	—	—	—	—	—	555.50	504.50	3,145.50	41.90	94.06
People
People	Employees	—	—	—	—	—	3	3	820	1,250	1,329
	Revenue/emp, $m	—	—	—	—	—	0.53	131.69	0.13	0.10	0.16
Income, $m
Income, $m	Revenue	—	—	—	—	—	2	395	104	130	208
	Gross margin, %	—	—	—	—	—	100.00	95.68	69.60	83.47	79.37
	EBT	—	—	—	—	0	(7)	(876)	(534)	(205)	(166)
	EBT margin, %	—	—	—	—	0.00	(409.73)	(221.72)	(514.18)	(158.06)	(79.83)
	Net income	—	0	—	—	0	(5)	(877)	(536)	(206)	(166)
	Depreciation	—	—	—	—	0	0	322	51	39	14
Per share, $
Per share, $	Revenue	—	—	—	—	0.00	8.31	67.81	11.26	8.60	13.52
	Earnings	—	—	—	—	0.00	(26.27)	(150.54)	(58.00)	(13.65)	(10.80)
	Cash flow	—	—	—	—	0.00	(16.91)	161.05	(17.30)	(25.14)	(10.85)
	Capex	—	—	—	—	0.00	0.00	(5.28)	(0.98)	(0.47)	(0.73)
	Free cash flow	—	—	—	—	0.00	(16.91)	155.77	(18.27)	(25.62)	(11.58)
	Book value	—	—	—	—	0.00	37.26	(28.82)	13.28	(3.85)	2.42
	Shares, m	—	—	—	—	55	0	6	9	15	15
Valuation, ×
Valuation, ×	P/E	—	—	—	—	—	0.00	65.52	0.00	0.00	0.00
	P/S	—	—	—	—	—	59.60	0.00	3.50	1.04	2.41
	P/B	—	—	—	—	—	16.60	0.00	2.97	0.00	13.46
	EV/Sales	—	—	—	—	—	59.58	1.42	(1.83)	(1.19)	1.98
	EV/FCF	—	—	—	—	—	(29.26)	28.86	1.13	0.40	(2.32)
Cash, $m
Cash, $m	Operating cash flow	—	—	—	—	0	(3)	938	(160)	(380)	(167)
	Capex	—	—	—	—	0	0	(31)	(9)	(7)	(11)
	Free cash flow	—	—	—	—	0	(3)	908	(169)	(387)	(178)
Balance, $m
Balance, $m	Working capital	—	—	—	—	0	(7)	(509)	26	(129)	(23)
	Total debt	—	—	—	—	—	1	346	157	—	—
	Net debt	—	—	—	—	—	0	(346)	(554)	(289)	(220)
	Shareholders’ equity	—	—	—	—	0	7	(168)	123	(58)	37
Returns, %
Returns, %	ROA	—	—	—	—	(7.10)	(4.67)	(128.75)	(53.94)	(22.69)	(13.72)
	ROIC	—	—	—	—	0.00	(57.39)	0.00	0.00	0.00	0.00
	ROE	—	—	—	—	(0.55)	(228.10)	293.11	222.77	(640.36)	1,580.70

Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

Company	Market cap	P/E	Fwd P/E	Revenue growth (Q)	EPS growth (Q)	FCF growth (Q)	Gross margin (Q)	EBIT margin (Q)	Compare
WD Walker & Dunlop, Inc.	$1.1B	29.1×	14.3×	−3.93% (below 0%: shrinking)	−91.00% (below 0%: shrinking)	+584.98% (above 0%: growing)	46.88%	5.65%	Compare
VEL Velocity Financial, Inc.	$584.7M	5.3×	12.1×	+34.05% (above 0%: growing)	−7.25% (below 0%: shrinking)	−3.27% (below 0%: shrinking)	0.00%	0.00%	Compare
ONIT Onity Group Inc.	$222.8M	1.5×	6.2×	+14.72% (above 0%: growing)	n/m	−9.61% (below 0%: shrinking)	100.00%	25.95%	Compare
BETR Better Home & Finance Holding Company	$204.6M	— (loss-making)	— (loss-making)	+25.81% (above 0%: growing)	n/m	+136.12% (above 0%: growing)	89.80%	0.00%
LDI loanDepot, Inc.	$191.7M	— (loss-making)	— (loss-making)	+19.39% (above 0%: growing)	n/m	+589.11% (above 0%: growing)	87.77%	10.45%	Compare
GHI Greystone Housing Impact Investors LP	$115.2M	— (loss-making)	3.2×	−7.10% (below 0%: shrinking)	n/m	−92.85% (below 0%: shrinking)	93.66%	60.90%	Compare
IOR Income Opportunity Realty Investors, Inc.	$74.4M	19.6×	13.8×	+534.29% (above 0%: growing)	−29.17% (below 0%: shrinking)	+155.56% (above 0%: growing)	0.00%	0.00%	Compare
BLNE Beeline Holdings, Inc.	$24.4M	0.4×	6.1×	+56.62% (above 0%: growing)	n/m	+146.53% (above 0%: growing)	100.00%	(171.05%)	Compare
PAPL Pineapple Financial Inc.	$23.0M	— (loss-making)	— (loss-making)	−16.66% (below 0%: shrinking)	n/m	−914.00% (below 0%: shrinking)	100.00%	4,077.43%	Compare
Median of peers	$153.5M	5.3×	9.1×	+17.05%	−29.17%	+71.63%	90.72%	8.05%

All 14 Mortgage Finance stocks →

Better Home & Finance Holding Company (BETR) key facts

Strength: Better Home & Finance Holding Company’s revenue for fiscal 2025 (year ended December 2025) was $207.7 million, up 59.8% from fiscal 2024.
Better Home & Finance Holding Company (BETR) is a Mortgage Finance company in the Financial sector, listed on Nasdaq.
As of October 16, 2026, BETR traded at $9.95, a market capitalization of $204.6 million.
Return on equity was 1,580.7% and debt-to-equity 0.00.
Its Piotroski F-score is 4 out of 9 for fiscal 2025.

Source: company filings (standardised) and stockrow calculations.