# Better Home & Finance Holding Company (BETR) fundamentals

Data as of 2026-11-04. NASDAQ, United States. Sector: Financial Services / Consumer Lending. Price $19.04, market value $362 million.

## Valuation
- **P/E (trailing): n/a** (negative earnings). Better Home & Finance Holding Company reported negative earnings over the last twelve months, so the P/E is not meaningful; use price-to-sales, EV/EBITDA and free-cash-flow yield instead.
- **Price / sales: 1.7×**. Each dollar of revenue is priced at 1.7×.
- **Price / book: 6.2×**. The shares trade at 6.2× book value; most of the value is in earnings power and intangibles rather than the balance sheet.
- **Free-cash-flow yield: -43.1%** (5-yr avg -82.2%). Free cash flow is negative: the business is consuming cash, which is normal for heavy investment phases but a warning otherwise.

## Profitability
- **Net margin: -100.6%**. The company reported a net loss over the last twelve months.
- **Return on equity: -446.1%**. Return on equity is negative because earnings are negative.
- **Return on assets: -12.0%**. Each dollar of assets produces -12.0% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): 52.0%** (3-yr 137.5%/yr). Revenue grew 52.0% over the last year.
- **EPS growth (1 yr): 20.9%**. Earnings per share rose 20.9%, slower than revenue, so margins compressed.

## Financial health
- **Piotroski F-score: 1/9**. 1 of 9 checks pass: weak or deteriorating financials.

## Dividends
- **Dividend: none**. Better Home & Finance Holding Company does not currently pay a dividend.

## Analyst view
- **Analyst consensus: strong_buy** (7 analysts). 7 analysts cover Better Home & Finance Holding Company; the consensus is strong_buy, with an average price target of $23.14 (+22% from the current price). Analyst opinion is shown for context; it is not part of the Fundamental Score.

## Price and momentum
- **Total return (1 yr): -73.9%** (YTD -41.6%, 3-mo 10.2%). The shares are down 73.9% over twelve months including dividends.
- **From 52-week high: -72.2%** (153.4% above the low). Trading 72% below its 52-week high, deep in a drawdown.
- **200-day average: below**. The price sits below its 200-day moving average, the usual definition of a downtrend.
- **RSI (14-day): 62**. An RSI of 62 is neutral.
- **Beta (1 yr): 2.75** (volatility 121%). Beta of 2.75 against the S&P 500: the shares move much more than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=BETR · Page: https://foliofundamentals.com/stocks/betr

Not investment advice.