Better Home & Finance Holding Company (BETR)Financial Services | Mortgage Finance | New York, United States | NasdaqGM
13.85 USD
-0.74
(-5.072%) ⇩
(Aug. 28, 2026, 4 p.m.
EDT)
After hours: 13.85 |
Hot Take ↕ | Aug. 22, 2026, 3:16 a.m. EDT
The investment case for BETR is currently broken by a catastrophic failure in profitability and a collapsing share price. The company is burning cash aggressively, with operating cash flow of -$155 million and negative returns on both assets and equity. While revenue grew 28%, this growth is not translating into earnings; instead, the stock has erased over 96% of its value over the last four years. The recent appointment of an interim CEO highlights leadership instability, and the lack of any dividend history confirms the capital is being consumed by losses. The options market is screaming 'sell,' with traders buying deep out-of-the-money puts as insurance against further ruin. Despite analyst targets suggesting a rebound to $25, the fundamental reality of a bleeding business with a debt-to-equity ratio exceeding 1,100 makes any recovery highly uncertain. This is a value trap where the low price reflects a deteriorating franchise, not a bargain. |
| Model | MAE |
|---|---|
| MSTL ✓ | 0.308124 |
| AutoETS | 0.311066 |
| AutoARIMA | 0.311067 |
| AutoTheta | 0.345612 |
Forecast horizon: 45 days | Selected: MSTL
| Forecast Reliability | |
|---|---|
| Score | 29% |
| H-stat | 41.68 |
| Ljung-Box p | 0.000 |
| Jarque-Bera p | 0.058 |
| Excess Kurtosis | -0.51 |
| Attribute | Value |
|---|---|
| Sector | Financial Services |
| Debt to Equity Ratio | 1143.434 |
| Revenue per Share | 11.676 |
| Market Cap | 263,130,336 |
| Forward P/E | -28.56 |
| Beta | 1.77 |
| Profit Margins | -93.21% |
| Website | https://better.com |
As of Aug. 22, 2026, 3:16 a.m. EDT: Speculators are overwhelmingly positioning for downside protection, evidenced by massive open interest in out-of-the-money puts relative to calls across all expirations. The put/call ratio is heavily skewed toward the downside, with significant concentration in strikes far below the current price (e.g., $45 puts), indicating a fear of a severe collapse rather than a speculative rally. Implied volatility is elevated on the downside strikes, suggesting the market prices in a high probability of further decline.
| Attribute | Value |
|---|---|
| 52 Week Change | -0.33651662 |
| Address1 | 1 World Trade Center |
| Address2 | 80th Floor, Suite A 285 Fulton Street |
| All Time High | 3,145.5 |
| All Time Low | 7.707 |
| Ask | 21.27 |
| Ask Size | 2 |
| Audit Risk | 9 |
| Average Analyst Rating | 1.7 - Buy |
| Average Daily Volume10 Day | 859,690 |
| Average Daily Volume3 Month | 505,632 |
| Average Volume | 505,632 |
| Average Volume10Days | 859,690 |
| Beta | 1.767 |
| Bid | 12.81 |
| Bid Size | 2 |
| Board Risk | 9 |
| Book Value | 3.05 |
| City | New York |
| Compensation As Of Epoch Date | 1,767,139,200 |
| Compensation Risk | 10 |
| Country | United States |
| Crypto Tradeable | 0 |
| Currency | USD |
| Current Price | 13.85 |
| Current Ratio | 0.539 |
| Custom Price Alert Confidence | HIGH |
| Date Short Interest | 1,786,665,600 |
| Day High | 15.23 |
| Day Low | 13.8 |
| Debt To Equity | 1,143.434 |
| Display Name | Better Home & Finance Holding |
| Earnings Call Timestamp End | 1,786,392,000 |
| Earnings Call Timestamp Start | 1,786,392,000 |
| Earnings Timestamp | 1,786,365,000 |
| Earnings Timestamp End | 1,794,254,400 |
| Earnings Timestamp Start | 1,794,254,400 |
| Ebitda Margins | 0.0 |
| Enterprise To Revenue | 4.244 |
| Enterprise Value | 819,336,320 |
| Eps Current Year | -3.42 |
| Eps Forward | -0.485 |
| Eps Trailing Twelve Months | -9.72 |
| Esg Populated | 0 |
| Exchange | NGM |
| Exchange Data Delayed By | 0 |
| Exchange Timezone Name | America/New_York |
| Exchange Timezone Short Name | EDT |
| Fifty Day Average | 21.1975 |
| Fifty Day Average Change | -7.3475 |
| Fifty Day Average Change Percent | -0.34662107 |
| Fifty Two Week Change Percent | -33.65166 |
| Fifty Two Week High | 94.06 |
| Fifty Two Week High Change | -80.21 |
| Fifty Two Week High Change Percent | -0.8527536 |
| Fifty Two Week Low | 11.111 |
| Fifty Two Week Low Change | 2.7390003 |
| Fifty Two Week Low Change Percent | 0.24651249 |
| Fifty Two Week Range | 11.111 - 94.06 |
| Financial Currency | USD |
| First Trade Date Milliseconds | 1,619,789,400,000 |
| Float Shares | 8,505,854 |
| Forward Eps | -0.485 |
| Forward P E | -28.556702 |
| Full Exchange Name | NasdaqGM |
| Full Time Employees | 1,329 |
| Fullday Change | -0.74 |
| Fullday Change Percent | -5.07197 |
| Fullday Price | 13.85 |
| Gmt Off Set Milliseconds | -14,400,000 |
| Governance Epoch Date | 1,785,542,400 |
| Gross Margins | 1.0 |
| Gross Profits | 193,058,000 |
| Has Pre Post Market Data | 1 |
| Held Percent Insiders | 0.37552 |
| Held Percent Institutions | 0.50622004 |
| Implied Shares Outstanding | 18,998,579 |
| Industry | Mortgage Finance |
| Industry Disp | Mortgage Finance |
| Industry Key | mortgage-finance |
| Is Earnings Date Estimate | 0 |
| Language | en-US |
| Last Fiscal Year End | 1,767,139,200 |
| Last Split Date | 1,724,025,600 |
| Last Split Factor | 1:50 |
| Long Business Summary | 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. It also offers home equity lines of credit and closed-end second-lien loans. The company has a strategic collaboration with Coinbase Global, Inc. for the development of token-backed mortgage products. The company formerly known as Better Mortgage Corporation and changed its name to Better Home & Finance Holding Company in August 2023. Better Home & Finance Holding Company is headquartered in New York, New York. |
| Long Name | Better Home & Finance Holding Company |
| Market | us_market |
| Market Cap | 263,130,336 |
| Market State | CLOSED |
| Max Age | 86,400 |
| Message Board Id | finmb_320523021 |
| Most Recent Quarter | 1,782,777,600 |
| Net Income To Common | -168,351,008 |
| Next Fiscal Year End | 1,798,675,200 |
| Non Diluted Market Cap | 277,379,252 |
| Number Of Analyst Opinions | 6 |
| Open | 14.47 |
| Operating Cashflow | -155,100,000 |
| Operating Margins | -0.56856996 |
| Overall Risk | 10 |
| Payout Ratio | 0.0 |
| Phone | 415 523 8837 |
| Post Market Change | 0.0 |
| Post Market Change Percent | 0.0 |
| Post Market Price | 13.85 |
| Post Market Time | 1,787,959,806 |
| Previous Close | 14.59 |
| Price Eps Current Year | -4.0497074 |
| Price Hint | 2 |
| Price To Book | 4.5409837 |
| Price To Sales Trailing12 Months | 1.36296 |
| Profit Margins | -0.9321 |
| Quick Ratio | 0.508 |
| Quote Source Name | Nasdaq Real Time Price |
| Quote Type | EQUITY |
| Recommendation Key | buy |
| Recommendation Mean | 1.71429 |
| Region | US |
| Regular Market Change | -0.74 |
| Regular Market Change Percent | -5.07197 |
| Regular Market Day High | 15.23 |
| Regular Market Day Low | 13.8 |
| Regular Market Day Range | 13.8 - 15.23 |
| Regular Market Open | 14.47 |
| Regular Market Previous Close | 14.59 |
| Regular Market Price | 13.85 |
| Regular Market Time | 1,787,947,201 |
| Regular Market Volume | 531,612 |
| Return On Assets | -0.12137 |
| Return On Equity | -2.50422 |
| Revenue Growth | 0.282 |
| Revenue Per Share | 11.676 |
| Sand P52 Week Change | 0.20204377 |
| Sector | Financial Services |
| Sector Disp | Financial Services |
| Sector Key | financial-services |
| Share Holder Rights Risk | 10 |
| Shares Outstanding | 13,243,928 |
| Shares Percent Shares Out | 0.15020001 |
| Shares Short | 2,853,416 |
| Shares Short Previous Month Date | 1,784,073,600 |
| Shares Short Prior Month | 2,406,901 |
| Short Name | Better Home & Finance Holding C |
| Short Percent Of Float | 0.26549998 |
| Short Ratio | 4.68 |
| Source Interval | 15 |
| State | NY |
| Symbol | BETR |
| Target High Price | 35.0 |
| Target Low Price | 16.0 |
| Target Mean Price | 25.66667 |
| Target Median Price | 25.0 |
| Total Cash | 105,808,000 |
| Total Cash Per Share | 5.569 |
| Total Debt | 662,014,016 |
| Total Revenue | 193,058,000 |
| Tradeable | 0 |
| Trailing Annual Dividend Rate | 0.0 |
| Trailing Annual Dividend Yield | 0.0 |
| Trailing Eps | -9.72 |
| Trailing Peg Ratio | None |
| Triggerable | 1 |
| Two Hundred Day Average | 32.02245 |
| Two Hundred Day Average Change | -18.17245 |
| Two Hundred Day Average Change Percent | -0.56749094 |
| Type Disp | Equity |
| Volume | 531,612 |
| Website | https://better.com |
| Zip | 10,007 |