BETR Better Home & Finance Holding Company - Fundamental Analysis
BEARISH
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BETR Stock | Fundamental Analysis & Investment Insights
NASDAQ
Financial Services
Mortgage Finance
Current Price
Live
$31.34
52W High
$94.06
52W Low
$8.9
At a glance
Key valuation, profitability, growth, and risk metrics.
AI Analysis
Powered by advanced machine learning algorithms
Confidence Score
95%
Analysis Accuracy
The Advanced Deterministic Scorecard reveals a critically weak financial health profile with a Piotroski F-Score of 0/9, indicating severe deterioration in fundamental performance. Despite strong year-over-year revenue growth of 51.30%, the company is deeply unprofitable with negative margins across all key metrics, including a staggering -875.53% ROE and -127.23% profit margin. The Debt/Equity ratio of 13.21 is drastically above sector average (1.34), signaling extreme leverage risk, while insider selling worth $1.36M in the last six months reinforces negative sentiment. Although the stock has rebounded 185.9% over the past year from deep lows, it remains down 93.8% over three years, reflecting long-term value destruction.
Key Strengths
Exceptional year-over-year revenue growth of 51.30%, outpacing sector average of 28.42%
Gross margin at 100.00%, suggesting strong pricing power or low cost of revenue
Recent quarterly EPS improvement with 22.2% Q/Q growth, indicating potential operational stabilization
Current and quick ratios above 1.0, providing minimal short-term liquidity cushion
Significant short-term price rebound (+185.9% 1Y) suggesting speculative or cyclical recovery
Key Risks
Piotroski F-Score of 0/9 indicates severe financial distress and poor earnings quality
Debt/Equity ratio of 13.21 is 10x sector average, creating substantial solvency risk
Negative ROE (-875.53%) and negative operating margins (-86.08%) reflect deep profitability issues
Insiders have sold $1.36M in shares with zero buys, signaling lack of confidence
Forward P/E of -12.34 and lack of Altman Z-Score suggest high risk of continued losses or insolvency
Performance Snowflake
Multi-dimensional AI analysis across 5 key categories
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Historical Performance Trends
Long-term financial metrics and growth patterns
Valuation Metrics
Key valuation ratios and pricing indicators
Profitability, Growth & Financial Health
Detailed profit margins, ROE, debt ratios, and liquidity metrics
Sector Comparison & Peer Analysis
Compare BETR against industry averages and similar companies
Insider Trading & Analyst Ratings
Track insider transactions and Wall Street analyst recommendations
Past News Coverage
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