BETR
BEARISH
$28.47
Live
Better Home & Finance Holding Company · NASDAQ
Target $40.0
(+40.5%)
$9.5
52W Range
$94.06
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Mar 19, 2026
Market cap
$468.33M
P/E
N/A
ROE
N/A
Profit margin
-100.6%
Debt/Equity
16.73
Dividend yield
N/A
AI Analysis
AI-powered fundamental assessment
Confidence
85%
BETR exhibits severe financial distress, as evidenced by a Piotroski F-Score of 0/9 and a missing Altman Z-Score, indicating extreme health risks. The company reports a negative profit margin of -100.61% and a negative ROA of -13.72%, with a dangerously high debt/equity ratio of 16.73. Despite strong revenue growth of 77.40% YoY, earnings remain deeply negative, and the stock trades at a premium price/book of 12.25. Insider selling activity and a 94.5% 5-year decline further underscore deteriorating fundamentals.
Key Strengths
77.40% YoY revenue growth indicates strong top-line expansion
Gross margin of 100.00% suggests potential pricing power or low cost structure
Forward P/E of 8.03 is relatively low compared to sector average of 30.35
Analyst consensus recommends 'buy' with a $40.00 target price
Recent Q/Q EPS growth of +22.2% shows improving earnings trend
Key Risks
Piotroski F-Score of 0/9 signals extreme financial instability and failure in multiple financial health criteria
Negative profit margin (-100.61%) and ROA (-13.72%) indicate sustained unprofitability
Debt/Equity ratio of 16.73 is dangerously high, suggesting over-leveraging
Insider selling of $0.70M in last 6 months reflects bearish sentiment from within the company
52-week high of $94.06 vs current price of $28.47 indicates significant downside risk and volatility
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
22
Weak
30
55
15
10
0
AI Verdict
High Risk
Key drivers: Piotroski F-Score of 0/9, Negative profitability and ROA, Extremely high debt/equity, Insider selling, 5-year price decline of 94.5%
Confidence
85%
Value
30/100
Ref P/E, PEG, Graham Number
Positives
- Forward P/E of 8.03 is below sector average
- Price/Book of 12.25 may reflect growth premium
Watchpoints
- No Graham Number or intrinsic value available
- Negative earnings make valuation metrics unreliable
- High P/B suggests overvaluation relative to book value
Future
55/100
Ref Growth rates
Positives
- 77.40% YoY revenue growth is strong
- Q/Q EPS growth of +22.2% shows improvement
Watchpoints
- Earnings growth is not available (N/A)
- Negative profit margin persists
- No forward earnings guidance or FCF data
Past
15/100
Ref Historical trends
Positives
- 1-year return of +147.6% shows recent momentum
Watchpoints
- 5-year return of -94.5% indicates long-term underperformance
- Three consecutive quarters of earnings misses
- Average earnings surprise of -6.75%
Health
10/100
Ref Altman Z-Score, Piotroski F-Score
Positives
- Current and quick ratios above 1.0 indicate short-term liquidity
Watchpoints
- Piotroski F-Score of 0/9 indicates systemic financial failure
- Missing Altman Z-Score raises bankruptcy risk
- Debt/Equity of 16.73 is unsustainable
- Negative ROA and ROIC
Dividend
0/100
Ref Yield, Payout
Positives
No standout positives identified.
Watchpoints
- Dividend yield and payout ratio are N/A
- Dividend strength is 0/100
- No history of dividend payments
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$28.47
Analyst Target
$40.0
Upside/Downside
+40.5%
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for BETR and closest competitors.
Updated 2026-03-18
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
BETR
Better Home & Finance Holding Company
Primary
|
-94.5% | -94.4% | +147.6% | +0.8% | -8.9% | -28.7% |
|
HPS
John Hancock Preferred Income Fund III
Peer
|
+20.2% | +31.8% | +11.0% | -1.4% | +5.3% | -0.6% |
|
OBT
Orange County Bancorp, Inc.
Peer
|
+145.2% | +65.9% | +63.2% | +44.6% | +12.3% | +2.7% |
|
DHIL
Diamond Hill Investment Group, Inc.
Peer
|
+37.2% | +22.0% | +45.1% | +33.0% | +1.4% | +1.1% |
|
BSRR
Sierra Bancorp
Peer
|
+57.1% | +152.4% | +40.7% | +35.0% | +8.5% | -2.5% |
BET
Better Home & Finance Holding Company
Primary
5Y
-94.5%
3Y
-94.4%
1Y
+147.6%
6M
+0.8%
1M
-8.9%
1W
-28.7%
HPS
John Hancock Preferred Income Fund III
Peer
5Y
+20.2%
3Y
+31.8%
1Y
+11.0%
6M
-1.4%
1M
+5.3%
1W
-0.6%
OBT
Orange County Bancorp, Inc.
Peer
5Y
+145.2%
3Y
+65.9%
1Y
+63.2%
6M
+44.6%
1M
+12.3%
1W
+2.7%
DHI
Diamond Hill Investment Group, Inc.
Peer
5Y
+37.2%
3Y
+22.0%
1Y
+45.1%
6M
+33.0%
1M
+1.4%
1W
+1.1%
BSR
Sierra Bancorp
Peer
5Y
+57.1%
3Y
+152.4%
1Y
+40.7%
6M
+35.0%
1M
+8.5%
1W
-2.5%
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Historical data shows last 12 quarters (3 years)
Valuation Metrics
Key valuation ratios and pricing indicators
P/E Ratio
N/A
Forward P/E
8.03
PEG Ratio
N/A
P/B Ratio
12.25
P/S Ratio
2.84
EV/Revenue
5.98
EV/EBITDA
N/A
Market Cap
$468.33M
Profitability
Profit margins and return metrics
Profit Margin
-100.61%
Operating Margin
-87.27%
Gross Margin
100.0%
ROE
N/A
ROA
-13.72%
Growth
Revenue and earnings growth rates
Revenue Growth
+77.4%
Earnings Growth
N/A
Q/Q Revenue Growth
N/A
Q/Q Earnings Growth
N/A
Financial Health
Balance sheet strength and liquidity metrics
Debt/Equity
16.73
High debt
Current Ratio
1.09
Good
Quick Ratio
1.05
Good
Cash/Share
$6.32
Financial Statement Flow
Interactive flow visualization showing how money moves through the company Q3 2025
Revenue
$0.1B
Gross Margin
13.6%
Op. Margin
-52.7%
Net Margin
-72.1%
Total Assets
$1.4B
Liabilities
$1.3B
Equity
$0.0B
Debt/Equity
32.02x
Operating CF
$0.0B
CapEx
$-0.0B
Free Cash Flow
$0.0B
FCF Yield
33%
Quarterly Earnings History
EPS performance vs analyst estimates
2026-05-11
$N/A
2025-11-13
$-1.86
-3.9% surprise
2025-08-13
$-2.39
-9.6% surprise
Financial Services Sector Comparison
Comparing BETR against 820 companies in the Financial Services sector
(141 bullish, 351 neutral, 328 bearish)
Profit Margin
-100.61%
This Stock
vs
91.62%
Sector Avg
-209.8%
(Weaker)
Debt to Equity
16.73
This Stock
vs
1.36
Sector Avg
+1131.1%
(Higher)
Revenue Growth
77.4%
This Stock
vs
35.27%
Sector Avg
+119.5%
(Fast Growth)
Current Ratio
1.09
This Stock
vs
3.18
Sector Avg
-65.7%
(Weaker)
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
BETR
Better Home & Finance...
|
BEARISH | $468.33M | - | -% | -100.6% | $28.47 | |
|
HPS
John Hancock Preferred...
|
NEUTRAL | $468.06M | 12.44 | 8.1% | 73.6% | $14.55 | Compare |
|
OBT
Orange County Bancorp, Inc.
|
BULLISH | $469.9M | 10.62 | 17.7% | 34.8% | $35.15 | Compare |
|
DHIL
Diamond Hill Investment Group, Inc.
|
BULLISH | $473.29M | 9.78 | 29.1% | 33.1% | $174.99 | Compare |
|
BSRR
Sierra Bancorp
|
NEUTRAL | $474.89M | 11.66 | 11.7% | 28.4% | $36.27 | Compare |
BETR
Better Home &...
BEARISH
Mkt Cap
$468M
P/E
-
ROE
-%
Price
$28.47
Recent Insider Trading
Insider buy and sell transactions from the last 6 months
| Date | Insider | Position | Transaction | Shares | Value |
|---|---|---|---|---|---|
| 2026-03-17 | SMITH CHAD M. | Officer | Sale | 4,941 | $144,193 |
| 2026-03-16 | FRAMEWORK VENTURES IV L.P. | Beneficial Owner of more than 10% of a Class of Security | Purchase | 25,000 | $738,750 |
| 2026-03-13 | SMITH CHAD M. | Officer | Stock Award | 4,834 | - |
| 2026-03-13 | FRAMEWORK VENTURES IV L.P. | Beneficial Owner of more than 10% of a Class of Security | Purchase | 29,494 | $1,006,335 |
| 2026-03-11 | FRAMEWORK VENTURES IV L.P. | Beneficial Owner of more than 10% of a Class of Security | Purchase | 31,598 | $1,212,689 |
| 2026-03-10 | FRAMEWORK VENTURES IV L.P. | Beneficial Owner of more than 10% of a Class of Security | Option Exercise | 211,312 | $5,731,838 |
| 2026-02-27 | GARG VISHAL | Chief Executive Officer | Stock Award | 3,167 | - |
| 2026-02-27 | TUFFIN PAULA | General Counsel | Stock Award | 3,167 | - |
| 2026-02-27 | NICHOLAS CALAMARI J | General Counsel | Stock Award | 3,167 | - |
| 2026-02-27 | SMITH CHAD M. | Officer | Stock Award | 4,833 | - |
| 2026-02-17 | SMITH CHAD M. | Officer | Sale | 6,000 | $180,448 |
| 2026-02-12 | TUFFIN PAULA | General Counsel | Sale | 8,018 | $229,880 |
| 2026-02-11 | GARG VISHAL | Chief Executive Officer | Stock Award | 22,381 | - |
| 2026-02-11 | TUFFIN PAULA | General Counsel | Stock Award | 22,381 | - |
| 2026-02-11 | NICHOLAS CALAMARI J | General Counsel | Stock Award | 22,381 | - |
SMITH CHAD M.
Officer
2026-03-17
4,941 shares
·
$144,193
FRAMEWORK VENTURES IV L.P.
Beneficial Owner of more than 10% of a Class of Security
2026-03-16
25,000 shares
·
$738,750
SMITH CHAD M.
Officer
2026-03-13
4,834 shares
FRAMEWORK VENTURES IV L.P.
Beneficial Owner of more than 10% of a Class of Security
2026-03-13
29,494 shares
·
$1,006,335
FRAMEWORK VENTURES IV L.P.
Beneficial Owner of more than 10% of a Class of Security
2026-03-11
31,598 shares
·
$1,212,689
FRAMEWORK VENTURES IV L.P.
Beneficial Owner of more than 10% of a Class of Security
2026-03-10
211,312 shares
·
$5,731,838
GARG VISHAL
Chief Executive Officer
2026-02-27
3,167 shares
TUFFIN PAULA
General Counsel
2026-02-27
3,167 shares
NICHOLAS CALAMARI J
General Counsel
2026-02-27
3,167 shares
SMITH CHAD M.
Officer
2026-02-27
4,833 shares
SMITH CHAD M.
Officer
2026-02-17
6,000 shares
·
$180,448
TUFFIN PAULA
General Counsel
2026-02-12
8,018 shares
·
$229,880
GARG VISHAL
Chief Executive Officer
2026-02-11
22,381 shares
TUFFIN PAULA
General Counsel
2026-02-11
22,381 shares
NICHOLAS CALAMARI J
General Counsel
2026-02-11
22,381 shares
Insider transactions can signal confidence or concerns about company prospects
Wall Street Analysts
Professional analyst ratings and price targets
Consensus
BUY
1 analysts
Cantor Fitzgerald
2026-01-27
Overweight
Past News Coverage
Recent headlines mentioning BETR from our newsroom.
Newest → oldest
No matching news yet.