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NASDAQ · LOAN BROKERS

Better Home & Finance Holding Co. BETR

5 fiscal years on record · USD · FY2025 reported · SEC filings only
$164.9M
▲ 52.0% YoY
$-165.9M
$-167.8M

Slide the table for earlier years · "·" marks a figure not available in our data for that year.

In brief

What this company does

Better Home & Finance Holding Company operates a technology-enabled homeownership platform that offers mortgage, home equity and other homeownership products through a digital platform. As of December 31, 2025, it had approximately 1,329 team members, of which approximately 869 were located in the United States, approximately 426 in India and approximately 34 in the United Kingdom. It offers a range of products and services designed to support the homeownership lifecycle, including consumer-facing mortgage and related homeownership products as well as technology-enabled offerings provided to third-party strategic partners. Its Home Finance business offers residential mortgage loan products for home purchase and refinance, including cash-out refinance and debt consolidation, and home equity, across various maturities and interest rate structures, with offerings that include GSE-conforming loans, Federal Housing Administration insured loans, Department of Veterans Affairs guaranteed loans, and jumbo loans. Better Plus, offered primarily through third-party strategic partners, includes non-mortgage homeownership products and services such as referrals to real estate agents, title insurance and settlement services, and access to homeowners insurance policies through a digital marketplace of insurance partners. Through its U.K. subsidiary, Birmingham Bank, and related U.K. homeownership businesses, it offers residential mortgage and related financial products to customers in the United Kingdom. The company was founded in 2015.

Written from the business description in Better Home & Finance Holding Company's annual report to the U.S. Securities and Exchange Commission, filed 13 March 2026. Every sentence was checked against that document before publication.

Growth

USD 164.9M
Revenue, FY2025 · full 5-year series below
Revenue $M Net income $M
FY2025 · Revenue 164.9 · Net income -165.9
150M300M-400M-800M
202120242025
Compound annual growth
−24.2%
3 yrs
5 yrs
10 yrs
15 yrs

Compound annual rates per period — left blank where that exact year isn't on file, the series crosses a loss, or (per-share rows) a split falls inside the window.

Profitability

−101 cents
lost on every revenue dollar
Operating margin Net margin
FY2025 · Operating -100.6% · Net -100.6%
-200%-400%-600%
202120232025
ROE

Not applicable: equity was zero or negative in this period, so return on equity has no meaning.

Three returns, three denominators.
Return on equityNot applicable: equity was zero or negative in this period, so return on equity has no meaning.
Return on capital employedNot available: we don't have total assets or current liabilities for this period.

Cash & shareholders

·
returned in FY2025 · dividends + net buybacks
Free cash flow $M
FY2025 · FCF -167.8
400M800M-150M-300M
202120232025
Net buybacks $M Dividends $M
FY2023 · Dividends · · Net buybacks -16.4
3M6M-10M-20M
20222023

Total assetsUSD 1.5B
EquityUSD 37.2M
CashUSD 99.8M
DepositsUSD 763.0M

Equity funds 2% of total assets.

The 5-year record

5 fiscal years
Every figure from documents filed with the SEC · USD

EPS, diluted, dividend per share and shares outstanding are shown without shading, and a vertical line marks the year the share count changed — the series crosses a large, unexplained change in share count, so the years on either side are not on a comparable scale.

row low → row highnegative—not applicable◌not available in our data
BETR, 5-year financial record
Metric 20252024202320222021
Revenue $B0.20.10.10.4◌
Operating income $B−0.2−0.2−0.5−0.9−0.0
EBITDA $B−0.2−0.2−0.5−0.8◌
Income tax $B0.00.00.00.0◌
Net income $B−0.2−0.2−0.5−0.9−0.0
Free cash flow $B−0.2−0.4−0.20.9◌
EPS, diluted $−10.80−13.65−58.09−3.01◌
Dividend / sh $◌◌◌◌◌
Payout % — not applicable: no dividend—————
ROE %————−2.7
Shares out B0.020.020.750.30◌

Slide the table for earlier years. "—" not applicable · "◌" not available in our data.

More in this sector

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Provenance

Company facts, as filed

How we verify · 0 failures in 16 reconciliationsAUDITED

Reconciled in 5 of the 5 fiscal years we could check. 28 checks were skipped: the balance sheet is not tagged before 2021. 14 checks were skipped: EPS is not tagged before 2021.

EPS recomputationBalance-sheet identityGross profitBalance-sheet liquidityCurrency consistency0 failures
ActivityLoan Brokers
Listed onNASDAQ
Incorporated innot stated in the filings
Fiscal year endsDecember 31
SEC categoryemerging growth company
Data on record since2020

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