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BETR · Nasdaq · United States · Loan Brokers
In shortBetter Home & Finance Holding Co is loss-making.
Financial health
Weak
Built from five areas over the last five annual reports. Tap an area to see the figures behind it. Bank or insurer: tests that do not apply to them are left out.
| Operating marginShare of each sale left after running the business, before interest and tax. | – | n/a |
|---|---|---|
| Net marginShare of each sale left as profit after every cost, interest and tax. | -100.6% | 0/100 |
| Return on equityProfit earned on the money shareholders put in. Above 15% is strong. | – | n/a |
Weight in the score: 25%
| Free cash flow marginCash left from each sale after investments. The money that can pay dividends or reduce debt. | -101.8% | n/a |
|---|---|---|
| Free cash flow / net incomeHow much accounting profit turns into real cash. Near 1 or above is healthy. | – | n/a |
| Years with positive free cash flow (last 5) | 1 of 5 | n/a |
Weight in the score: 20%
| Profitable years (last 5) | 0 of 5 | 0/100 |
|---|---|---|
| Years of revenue decline (last 5) | 1 of 3 | 44/100 |
| Revenue growth volatility | 76.1% | 0/100 |
| Operating margin volatility | 124.1% | 0/100 |
Weight in the score: 20%
| Revenue growth, 3-year average | -24.2% | 0/100 |
|---|---|---|
| EPS growth, 3-year average | – | n/a |
Weight in the score: 10%
Fiscal year 2025 · change vs prior year
Annual figures as reported. Hover a bar or point for the exact value.
The last 5 fiscal years from the company's annual reports.
USD millions; negative values in parentheses.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Revenue | – | 378 | 72 | 108 | 165 |
| Research & development | – | 124 | 39 | 26 | 28 |
| Operating income | (8.1) | (859) | (291) | – | – |
| Interest expense | – | 17 | 12 | – | – |
| Pre-tax income | – | (876) | (534) | (205) | (166) |
| Income tax | – | 1.1 | 2 | 0.9 | 0.1 |
| Net income | (6.5) | (877) | (536) | (206) | (166) |
| Diluted EPS | – | −$3.01 | −$58.09 | −$13.65 | −$10.80 |
| Diluted shares (millions) | – | 291 | 9.2 | 15 | 15 |
The last 8 reported quarters (10-Q and 10-K filings), in USD millions. The fourth quarter is derived from the annual report.
The last 8 quarters of Better Home & Finance Holding Co are included in the Investor plan. Try free for 7 days →
Not computed: the model does not apply to banks and insurers.
2/9
Nine yes-or-no tests on profitability, debt, liquidity and efficiency versus the prior year. 7 to 9 is strong, 0 to 3 is weak.
All figures: SEC EDGAR. Ratios and scores are computed by Scorvest (see how it works). Information only, not investment advice. How it works
Latest annual report: Jun 30, 2026 · Data updated Aug 11, 2026