Better Home & Finance Holding Company (BETR)Financial Services | Mortgage Finance | New York, United States | NasdaqGM
10.28 USD
-0.48
(-4.443%) ⇩
(Oct. 16, 2026, 9:31 a.m.
EDT)
|
Hot Take ↕ | Oct. 10, 2026, 10:12 a.m. EDT
The investment case for Better Home & Finance is currently broken by a catastrophic collapse in shareholder value. Over the last four years, the stock has erased nearly 89% of its value, a trajectory driven by a brutal multi-year decline where the company lost over 95% of its value in a single year before struggling to recover. Despite a recent spike in revenue and a change in leadership, the company remains deeply unprofitable with negative operating margins and a massive debt load relative to equity. The balance sheet is fragile, with a current ratio well below 1.0, indicating an inability to cover short-term obligations without selling assets or raising capital. While analysts project a significant rebound to the mid-$20s, the fundamental reality of negative earnings and a deteriorating business model makes this a speculative gamble rather than a sound investment. The options market confirms this pessimism, with traders aggressively buying insurance against further drops while ignoring any potential upside. |
| Model | MAE |
|---|---|
| AutoTheta ✓ | 0.074413 |
| AutoETS | 0.239131 |
| AutoARIMA | 0.241194 |
| MSTL | 0.260383 |
Forecast horizon: 45 days | Selected: AutoTheta
| Forecast Reliability | |
|---|---|
| Score | 40% |
| H-stat | 0.58 |
| Ljung-Box p | 0.000 |
| Jarque-Bera p | 0.241 |
| Excess Kurtosis | -0.66 |
| Attribute | Value |
|---|---|
| Sector | Financial Services |
| Debt to Equity Ratio | 1143.434 |
| Revenue per Share | 11.676 |
| Market Cap | 195,509,792 |
| Forward P/E | -22.45 |
| Beta | 1.75 |
| Profit Margins | -93.21% |
| Website | https://better.com |
As of Oct. 10, 2026, 10:12 a.m. EDT: Speculators are overwhelmingly bearish, positioning heavy protective puts at strikes below the current price while calling activity is negligible. The put/call ratio is skewed significantly toward downside protection, with notable open interest in deep out-of-the-money puts for later expirations, suggesting a fear of further capital destruction rather than a belief in a recovery.
| Attribute | Value |
|---|---|
| 52 Week Change | -0.83014995 |
| Address1 | 1 World Trade Center |
| Address2 | 80th Floor, Suite A 285 Fulton Street |
| All Time High | 3,145.5 |
| All Time Low | 7.513 |
| Ask | 21.27 |
| Ask Size | 2 |
| Audit Risk | 9 |
| Average Analyst Rating | 1.4 - Strong Buy |
| Average Daily Volume10 Day | 1,201,040 |
| Average Daily Volume3 Month | 724,778 |
| Average Volume | 724,778 |
| Average Volume10Days | 1,201,040 |
| Beta | 1.749 |
| Bid | 12.81 |
| Bid Size | 2 |
| Board Risk | 10 |
| 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 | 10.2843 |
| Current Ratio | 0.539 |
| Custom Price Alert Confidence | HIGH |
| Date Short Interest | 1,790,726,400 |
| Day High | 10.68 |
| Day Low | 10.23 |
| Debt To Equity | 1,143.434 |
| Display Name | Better Home & Finance |
| Dividend Yield | 0.0 |
| 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 | 3.94 |
| Enterprise Value | 760,630,720 |
| Eps Current Year | -3.915 |
| Eps Forward | -0.458 |
| Eps Trailing Twelve Months | -9.7 |
| Esg Populated | 0 |
| Exchange | NGM |
| Exchange Data Delayed By | 15 |
| Exchange Timezone Name | America/New_York |
| Exchange Timezone Short Name | EDT |
| Fifty Day Average | 12.4437 |
| Fifty Day Average Change | -2.1594 |
| Fifty Day Average Change Percent | -0.1735336 |
| Fifty Two Week Change Percent | -83.01499 |
| Fifty Two Week High | 92.69 |
| Fifty Two Week High Change | -82.4057 |
| Fifty Two Week High Change Percent | -0.88904625 |
| Fifty Two Week Low | 7.513 |
| Fifty Two Week Low Change | 2.7712998 |
| Fifty Two Week Low Change Percent | 0.36886728 |
| Fifty Two Week Range | 7.513 - 92.69 |
| Financial Currency | USD |
| First Trade Date Milliseconds | 1,619,789,400,000 |
| Float Shares | 8,454,368 |
| Forward Eps | -0.458 |
| Forward P E | -22.454803 |
| Full Exchange Name | NasdaqGM |
| Full Time Employees | 1,329 |
| Fullday Change | -0.47570038 |
| Fullday Change Percent | -4.443431 |
| Fullday Price | 10.2843 |
| Gmt Off Set Milliseconds | -14,400,000 |
| Governance Epoch Date | 1,790,812,800 |
| Gross Margins | 1.0 |
| Gross Profits | 193,058,000 |
| Has Pre Post Market Data | 1 |
| Held Percent Insiders | 0.34397 |
| Held Percent Institutions | 0.55979997 |
| Implied Shares Outstanding | 19,010,510 |
| 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 | 195,509,792 |
| Market State | REGULAR |
| 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 | 231,022,719 |
| Number Of Analyst Opinions | 7 |
| Open | 10.68 |
| Operating Cashflow | -155,100,000 |
| Operating Margins | -0.56856996 |
| Overall Risk | 10 |
| Phone | 415 523 8837 |
| Previous Close | 10.76 |
| Price Eps Current Year | -2.6268966 |
| Price Hint | 2 |
| Price To Book | 3.3719018 |
| Price To Sales Trailing12 Months | 1.0126997 |
| Profit Margins | -0.9321 |
| Quick Ratio | 0.508 |
| Quote Source Name | Nasdaq Real Time Price |
| Quote Type | EQUITY |
| Recommendation Key | strong_buy |
| Recommendation Mean | 1.375 |
| Region | US |
| Regular Market Change | -0.47570038 |
| Regular Market Change Percent | -4.443431 |
| Regular Market Day High | 10.68 |
| Regular Market Day Low | 10.23 |
| Regular Market Day Range | 10.23 - 10.68 |
| Regular Market Open | 10.68 |
| Regular Market Previous Close | 10.76 |
| Regular Market Price | 10.2843 |
| Regular Market Time | 1,792,157,490 |
| Regular Market Volume | 45,623 |
| Return On Assets | -0.12137 |
| Return On Equity | -2.50422 |
| Revenue Growth | 0.282 |
| Revenue Per Share | 11.676 |
| Sand P52 Week Change | 0.16207206 |
| Sector | Financial Services |
| Sector Disp | Financial Services |
| Sector Key | financial-services |
| Share Holder Rights Risk | 10 |
| Shares Outstanding | 13,256,037 |
| Shares Percent Shares Out | 0.19629999 |
| Shares Short | 3,730,972 |
| Shares Short Previous Month Date | 1,788,134,400 |
| Shares Short Prior Month | 3,140,609 |
| Short Name | Better Home & Finance Holding C |
| Short Percent Of Float | 0.5471 |
| Short Ratio | 6.78 |
| Source Interval | 15 |
| State | NY |
| Symbol | BETR |
| Target High Price | 35.0 |
| Target Low Price | 15.0 |
| Target Mean Price | 22.14286 |
| Target Median Price | 20.0 |
| 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 | -9.7 |
| Trailing Peg Ratio | None |
| Triggerable | 1 |
| Two Hundred Day Average | 26.2212 |
| Two Hundred Day Average Change | -15.936901 |
| Two Hundred Day Average Change Percent | -0.60778683 |
| Type Disp | Equity |
| Volume | 45,623 |
| Website | https://better.com |
| Zip | 10,007 |