Better Home & Finance Holding Company (BETR)Financial Services | Mortgage Finance | New York, United States | NasdaqGM
23.77 USD
-1.93
(-7.510%) ⇩
(July 13, 2026, 4 p.m.
EDT)
|
Hot Take ↕ | July 11, 2026, 2:55 a.m. EDT
The long-term investment case is effectively zero due to a catastrophic multi-year decline where the stock has lost 97% of its value over four years, with the last two years showing consecutive negative returns. This trajectory signals a fundamental business failure or a value trap where the market has permanently reassessed the company's viability. Despite recent headlines of revenue beating estimates, the core metrics are dire: the company is burning cash with negative operating margins, a debt-to-equity ratio exceeding 8,000%, and negative return on assets. The balance sheet is fragile, with current liabilities significantly outweighing current assets. While the short-term chart shows some recent price stabilization and a slight upward lean, the underlying fundamentals remain broken, making any rally highly suspect. There is no dividend to provide income, and the options market is pricing in a high probability of further distress. Avoid this security entirely. |
| Model | MAE |
|---|---|
| MSTL_115 ✓ | 0.165758 |
| AutoTheta | 0.184558 |
| MSTL_79_115 | 0.213284 |
| MSTL | 0.220418 |
| AutoETS | 0.234297 |
| AutoARIMA | 0.252403 |
| MSTL_79 | 0.349976 |
Forecast horizon: 60 days | Selected: MSTL_115
| Forecast Reliability | |
|---|---|
| Score | 26% |
| H-stat | 0.88 |
| Ljung-Box p | 0.000 |
| Jarque-Bera p | 0.010 |
| Excess Kurtosis | -0.12 |
| Attribute | Value |
|---|---|
| Sector | Financial Services |
| Debt to Equity Ratio | 8358.985 |
| Revenue per Share | 11.554 |
| Market Cap | 448,535,712 |
| Forward P/E | 30.34 |
| Beta | 1.73 |
| Profit Margins | -102.53% |
| Website | https://better.com |
As of July 11, 2026, 2:55 a.m. EDT: Speculators are heavily positioned for downside protection, with significant open interest in deep out-of-the-money puts (strikes 15, 17.5, 20) expiring late in 2027, suggesting a belief in a potential collapse or severe drawdown. Conversely, call activity is concentrated in strikes far above the current price (35, 40, 50), indicating a speculative bet on a massive recovery rather than a near-term bounce. Implied volatility is elevated, reflecting uncertainty.
| Attribute | Value |
|---|---|
| 52 Week Change | 0.8242518 |
| 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 | 30.24 |
| Ask Size | 2 |
| Audit Risk | 9 |
| Average Analyst Rating | 1.4 - Strong Buy |
| Average Daily Volume10 Day | 321,600 |
| Average Daily Volume3 Month | 458,167 |
| Average Volume | 458,167 |
| Average Volume10Days | 321,600 |
| Beta | 1.727 |
| Bid | 18.32 |
| Bid Size | 2 |
| Board Risk | 9 |
| Book Value | 0.512 |
| 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 | 23.77 |
| Current Ratio | 0.522 |
| Custom Price Alert Confidence | HIGH |
| Date Short Interest | 1,782,777,600 |
| Day High | 25.72 |
| Day Low | 23.4 |
| Debt To Equity | 8,358.985 |
| Display Name | Better Home & Finance Holding |
| Earnings Call Timestamp End | 1,778,157,000 |
| Earnings Call Timestamp Start | 1,778,157,000 |
| Earnings Timestamp | 1,778,157,000 |
| Earnings Timestamp End | 1,786,019,400 |
| Earnings Timestamp Start | 1,786,019,400 |
| Ebitda Margins | 0.0 |
| Enterprise To Revenue | 6.038 |
| Enterprise Value | 1,093,197,696 |
| Eps Current Year | -2.92 |
| Eps Forward | 0.78333 |
| Eps Trailing Twelve Months | -10.78 |
| Esg Populated | 0 |
| Exchange | NGM |
| Exchange Data Delayed By | 0 |
| Exchange Timezone Name | America/New_York |
| Exchange Timezone Short Name | EDT |
| Fifty Day Average | 28.6016 |
| Fifty Day Average Change | -4.8316 |
| Fifty Day Average Change Percent | -0.16892761 |
| Fifty Two Week Change Percent | 82.42518 |
| Fifty Two Week High | 94.06 |
| Fifty Two Week High Change | -70.28999 |
| Fifty Two Week High Change Percent | -0.7472889 |
| Fifty Two Week Low | 12.57 |
| Fifty Two Week Low Change | 11.200001 |
| Fifty Two Week Low Change Percent | 0.8910104 |
| Fifty Two Week Range | 12.57 - 94.06 |
| Financial Currency | USD |
| First Trade Date Milliseconds | 1,619,789,400,000 |
| Float Shares | 9,571,152 |
| Forward Eps | 0.78333 |
| Forward P E | 30.34481 |
| Full Exchange Name | NasdaqGM |
| Full Time Employees | 1,329 |
| Gmt Off Set Milliseconds | -14,400,000 |
| Governance Epoch Date | 1,782,864,000 |
| Gross Margins | 1.0 |
| Gross Profits | 181,040,992 |
| Has Pre Post Market Data | 1 |
| Held Percent Insiders | 0.29245 |
| Held Percent Institutions | 0.46550998 |
| Implied Shares Outstanding | 18,869,823 |
| Industry | Mortgage Finance |
| Industry Disp | Mortgage Finance |
| Industry Key | mortgage-finance |
| Is Earnings Date Estimate | 1 |
| 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 | 448,535,712 |
| Market State | PRE |
| Max Age | 86,400 |
| Message Board Id | finmb_320523021 |
| Most Recent Quarter | 1,774,915,200 |
| Net Income To Common | -169,250,000 |
| Next Fiscal Year End | 1,798,675,200 |
| Non Diluted Market Cap | 447,969,597 |
| Number Of Analyst Opinions | 6 |
| Open | 25.59 |
| Operating Cashflow | -234,564,000 |
| Operating Margins | -1.07382 |
| Overall Risk | 10 |
| Payout Ratio | 0.0 |
| Phone | 415 523 8837 |
| Previous Close | 25.7 |
| Price Eps Current Year | -8.140411 |
| Price Hint | 2 |
| Price To Book | 46.42578 |
| Price To Sales Trailing12 Months | 2.4775367 |
| Profit Margins | -1.02533 |
| Quick Ratio | 0.49 |
| Quote Source Name | Nasdaq Real Time Price |
| Quote Type | EQUITY |
| Recommendation Key | strong_buy |
| Recommendation Mean | 1.42857 |
| Region | US |
| Regular Market Change | -1.93 |
| Regular Market Change Percent | -7.50973 |
| Regular Market Day High | 25.72 |
| Regular Market Day Low | 23.4 |
| Regular Market Day Range | 23.4 - 25.72 |
| Regular Market Open | 25.59 |
| Regular Market Previous Close | 25.7 |
| Regular Market Price | 23.77 |
| Regular Market Time | 1,783,972,800 |
| Regular Market Volume | 307,574 |
| Return On Assets | -0.13152 |
| Revenue Growth | 0.516 |
| Revenue Per Share | 11.554 |
| Sand P52 Week Change | 0.20365608 |
| Sector | Financial Services |
| Sector Disp | Financial Services |
| Sector Key | financial-services |
| Share Holder Rights Risk | 10 |
| Shares Outstanding | 13,086,244 |
| Shares Percent Shares Out | 0.120299995 |
| Shares Short | 2,270,394 |
| Shares Short Previous Month Date | 1,780,012,800 |
| Shares Short Prior Month | 2,089,398 |
| Short Name | Better Home & Finance Holding C |
| Short Percent Of Float | 0.21440001 |
| Short Ratio | 7.09 |
| Source Interval | 15 |
| State | NY |
| Symbol | BETR |
| Target High Price | 53.0 |
| Target Low Price | 35.0 |
| Target Mean Price | 40.66667 |
| Target Median Price | 39.0 |
| Total Cash | 70,282,000 |
| Total Cash Per Share | 3.725 |
| Total Debt | 714,944,000 |
| Total Revenue | 181,040,992 |
| Tradeable | 0 |
| Trailing Annual Dividend Rate | 0.0 |
| Trailing Annual Dividend Yield | 0.0 |
| Trailing Eps | -10.78 |
| Trailing Peg Ratio | None |
| Triggerable | 1 |
| Two Hundred Day Average | 39.62805 |
| Two Hundred Day Average Change | -15.858051 |
| Two Hundred Day Average Change Percent | -0.40017238 |
| Type Disp | Equity |
| Volume | 307,574 |
| Website | https://better.com |
| Zip | 10,007 |