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Company Analysis

Better Home & Finance Holding C BETR

A comprehensive view of key metrics, scores, and financial health for Better Home & Finance Holding C

Overview of Better Home & Finance Holding Company

BETR NGM
Financial Services Mortgage Finance Framework: Banks & Lenders Small Cap
Better Home & Finance Holding Company (BETR), is a Small Cap company, in the Mortgage Finance industry, last closed at $26.51, about 89.3% overvalued vs fair value, +92.0% 1Y return, ranked 337/1037 in sector.
USD 26.51
10.00%
(Delayed)
• Vol 90d: 120.5%
52-Week Range
Market Cap
$447.78M
Enterprise Value
$795.68M
Overall Score
View breakdown
Overall
Growth
Fair
Profitability
Weak
Health
Fair
Efficiency
Fair
Valuation
Fair
Growth
Fair
Profitability
Weak
Health
Fair
Efficiency
Fair
Valuation
Fair
Completeness: 76%
Confidence: 78%
Updated: Mar 8
Top Beats
No strong beats yet

Quick Facts

Website https://better.com
HQ New York, NY
Employees 1,250
Fiscal year Dec 31

Next Events

Earnings Aug 6 Estimated

Fair Value Snapshot

Bear Base Bull
$2
$3
$5
Current: $26.51 -89% vs base

Engine Room Money Flow™

Small Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Expense
$31.6M
Net Interest Income
$-31.6M
89.6%%
Total Revenue
$120.1M
17.6%%
Fee/Non-Interest Income
$151.6M
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Assets
-22.59%
Poor

Net Income / Assets - efficiency of asset utilization

Locked Metric
-
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Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
0/1
Improving
0
High Impact
1
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating Better Home & Finance Holding C's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
21
/100
Weak
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Weak
1
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 85% Coverage
Trade-Off Triangle Visualization A ternary plot showing BETR's balance between Growth (44.5%), Profitability (22.3%), and Safety (33.2%). Growth 44% Safety 33% Profitability 22%

Click axes to expand details. Marker shows current allocation.

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Growth

61th percentile vs peers
62
Key Signals
NII Growth YoY 89.6% 98p Loan Growth YoY 1.92 86p EPS Growth YoY 76.5% 88p Asset Growth YoY 0.8% 26p Equity Growth YoY -1.47 0p
Strengths
  • NII Growth YoY in top 20% of peers (89.6%, 98th percentile)
  • Loan Growth YoY in top 20% of peers (1.92, 86th percentile)
  • EPS Growth YoY in top 20% of peers (76.5%, 88th percentile)
  • Efficiency Ratio in top 20% of peers (1.21, 96th percentile)
  • Financial Leverage in top 20% of peers (28.23, 97th percentile)
Risks
  • Equity Growth YoY in bottom 20% of peers (-1.47)

Profitability

30th percentile vs peers
31
Key Signals
Strengths
Risks
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Safety

45th percentile vs peers
46
Key Signals
Strengths
Safety drilldowns are available to premium members.

Two Futures

Scenario-based fair value ranges for Better Home & Finance Holding C.

Loading valuation model...
Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$2.84
- - -
-89.3% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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