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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 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.
Rule-based from financial data. Not advice.
5-year financial trends. Figures in USD millions.
Latest fiscal year: 2025
Year-by-year revenue, profitability, and cash flow (USD millions, last 5 years)
| Year | Revenue | EBITDA | Net Profit | FCF | ROE | Rev Growth 1Y | NP Growth 1Y |
|---|---|---|---|---|---|---|---|
| 2025 | $207M | $-135M | $-166M | $-178M | -446.1% | 72.3% | -19.6% |
| 2024 | $120M | $-155M | $-206M | $-390M | 354.6% | 17.6% | -61.5% |
| 2023 | $102M | $-238M | $-536M | $-169M | -437.5% | -74.2% | -38.8% |
| 2022 | $395M | $-523M | $-877M | $903M | 145.2% | - |
Income statement, balance sheet, and cash flow as reported
Consolidated Figures in USD Millions.
| Metric | 2025 |
|---|---|
| Total Revenue | 206.90 |
| Operating Revenue | 205.21 |
| Cost Of Revenue | 231.57 |
| Gross Profit | -24.67 |
| Operating Expense | 124.80 |
| Research And Development | - |
| Selling General And Administration | 83.68 |
| Total Expenses | 356.37 |
| Operating Income | -149.48 |
| Total Operating Income As Reported | - |
| EBITDA | -135.41 |
| Normalized EBITDA | -135.41 |
| EBIT | -149.48 |
| Interest Expense | - |
| Net Interest Income | - |
| Other Non Operating Income Expenses | -16.34 |
| Other Income Expense | -16.34 |
| Interest Expense Non Operating | - |
| Net Non Operating Interest Income Expense | - |
| Pretax Income | -165.82 |
| Tax Provision | 0.05 |
| Tax Rate For Calcs | 0 |
| Tax Effect Of Unusual Items | 0 |
| Net Income Continuous Operations | -165.87 |
| Net Income From Continuing And Discontinued Operation | -165.87 |
| Net Income From Continuing Operation Net Minority Interest | -165.87 |
| Net Income | -165.87 |
| Net Income Common Stockholders | -165.87 |
| Net Income Including Noncontrolling Interests | -165.87 |
| Normalized Income | -165.87 |
| Diluted NI Availto Com Stockholders | -165.87 |
| Basic Average Shares | 15.36 |
| Diluted Average Shares | 15.36 |
| Reconciled Depreciation | 14.07 |
| Reconciled Cost Of Revenue | 231.57 |
| Total Unusual Items | - |
| Total Unusual Items Excluding Goodwill | - |
| Special Income Charges | - |
| Other Special Charges | - |
| Write Off | - |
| Impairment Of Capital Assets | - |
| Restructuring And Mergern Acquisition | - |
| Gain On Sale Of Security | - |
| Depreciation Amortization Depletion Income Statement | 14.07 |
| Depreciation And Amortization In Income Statement | 14.07 |
| General And Administrative Expense | 45.32 |
| Other Gand A | 45.32 |
| Salaries And Wages | - |
| Rent Expense Supplemental | - |
| Other Operating Expenses | 27.05 |
| Selling And Marketing Expense | 38.36 |
| Rent And Landing Fees | - |
Financial Services sector peers, ranked by market cap
| Company | Ticker | Market Cap | P/E | P/B | ROE | EV/EBITDA |
|---|---|---|---|---|---|---|
| Better Home & Finance Holding Companythis co. | BETR | $521M | -3.14 | 14.01 | -446.1% | -7.65 |
| Bridgewater Bancshares, Inc. | BWB | $532M | 11.54 | 1.18 | 10.2% | - |
| Capital Bancorp, Inc. | CBNK | $531M | 9.29 | 1.32 | 14.2% | - |
| Flushing Financial Corporation | FFIC | $524M | 27.76 | 0.74 | 2.7% | - |
| Kearny Financial Corp. |
| - |
| 2021 | - | - | - | - | - | - | - |
| KRNY |
| $518M |
| 19.86 |
| 0.69 |
| 3.5% |
| - |
| Chaince Digital Holdings Inc. | CD | $517M | -101.45 | 11.75 | -11.6% | -131.93 |
| Home Bancorp, Inc. | HBCP | $513M | 11.14 | 1.18 | 10.6% | - |
| Sierra Bancorp | BSRR | $509M | 12.02 | 1.39 | 11.6% | - |
| LendingTree, Inc. | TREE | $506M | 3.34 | 1.76 | 52.8% | 8.33 |
| Peer Median | - | 11.34 | 1.25 | 10.4% | -61.80 | |