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Company Analysis

Better Home & Finance Holding Company BETRW

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

Overview of Better Home & Finance Holding Company

BETRW NGM
Financial Services Mortgage Finance Framework: Banks & Lenders
Better Home & Finance Holding Company (BETRW), in the Mortgage Finance industry, last closed at $0.15, about 0.0% overvalued vs fair value, ranked 986/1078 in sector.
Metrics Rev Growth 72.3% ROE 1580.7% Gross Margin -11.9%
USD 0.15
-0.13%
(Delayed)
• Vol 90d: 269.6%
52-Week Range
Enterprise Value
-
Overall Score
View breakdown
Overall
Growth
Fair
Profitability
Weak
Health
Weak
Efficiency
Fair
Growth
Fair
Profitability
Weak
Health
Weak
Efficiency
Fair
Completeness: 62%
Confidence: 77%
Updated: Oct 31
Top Beats

Quick Facts

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

Next Events

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Fair Value Snapshot

Insufficient data

Engine Room Money Flow™

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
$206.9M
72.3%%
Fee/Non-Interest Income
$238.5M
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 Equity
-446.1%
Poor

Net Income / Equity - key bank profitability metric

Locked Metric
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Where It Leaks

Cash Flow Health healthy
Strong cash conversion with minimal leakage across profit-to-cash-to-value chain.
0
Active Leaks
0/0
Improving
0
High Impact
0
Critical
Moat Analysis Lender Specialized

Competitive Advantage Assessment

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

Overall Moat Strength
37
/100
Developing
Scores based on quantitative metrics and qualitative factors
Full moat analysis

Key risks

  • Returns Squeezed by Funding Costs Returns are weak for a debt-funded lender (profitability score 0.13).
  • Operational Inefficiency Operational efficiency lags peers (score 0.13).

The dashed ring is the peer median. Defense scores are percentile ranks against peers, so 50 is roughly the typical company in this group.

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Funding & Return Stability

Weak
12
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Signals, strengths and risks for Funding & Return Stability

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Signals, strengths and risks for Lending Advantage

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Signals, strengths and risks for Capital Strength

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Signals, strengths and risks for Cost Discipline

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Signals, strengths and risks for Revenue Diversification

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Signals, strengths and risks for Risk Management

Trade-Off Ledger™

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

Banks (Regional & Diversified) vs Industry Peers 63% Coverage
Trade-Off Triangle Visualization A ternary plot showing BETRW's balance between Growth (78.5%), Profitability (18.2%), and Safety (3.2%). Growth 79% Safety 3% Profitability 18%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

80th percentile vs peers
81
Key Signals
Asset Growth YoY 64.9% 99p NII Growth YoY 89.6% 99p Loan Growth YoY 1.33 94p Equity Growth YoY -1.47 0p
Strengths
  • Growth performance in top 20% of peers (percentile: 80)
  • Asset Growth YoY in top 20% of peers (64.9%, 99th percentile)
  • NII Growth YoY in top 20% of peers (89.6%, 99th percentile)
  • Loan Growth YoY in top 20% of peers (1.33, 94th percentile)
Risks
  • Equity Growth YoY in bottom 20% of peers (-1.47)

Profitability

18th percentile vs peers
19
Key Signals
Strengths
Risks
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Safety

3th percentile vs peers
3
Key Signals
Strengths
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Two Futures

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

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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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Base
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Bull
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- upside
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Fair Value Range Current: $-
$- $- $-
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