# Better Home & Finance Holding share price today (Better Home & Finance Holding Company, BETR)

> Better Home & Finance Holding Company's share price, valuation and earnings point in different directions. The next one or two quarters should make it clearer. BETR · Financials · Mortgage Finance · data as of 3 November 2026. Page: https://www.sectoralpha.in/us/stocks/betr

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## Key numbers

- Price: $19.04 (−74.0% in a year)
- P/BV: 6.2× (lower than 60% of the last 5.3 years)
- Revenue (Jun 2026): $54.7 M (+28.2% on a year ago)
- Profit (Jun 2026): −$30.6 M
- Net margin: −55.9% (+29.1 points on a year ago)
- ROE: −250%, FY25

Biggest thing to watch: the price is not yet in a clear uptrend, so timing is the risk more than the business. ## What is the Better Home & Finance Holding share price today? Better Home & Finance Holding Company's share price was $19.04 at the close on 3 November 2026. It has been falling for 10 weeks. That is 23.9% below its average price over the last 200 trading days. In the last 52 weeks it traded between $10 and $57, and at that close it sat 19% of the way up from that low. Over the past 13 weeks it has done better than the S&P 500, and it has stayed ahead for 1 week in a row. Over the last 5.5 years the share price moved −96% while the S&P 500 moved +79%, so it is behind the index over that whole period. The chart above shows the 13-week comparison for every week. This page treats a rise as over when the price closes below its 200-day average on two Fridays in a row. ## What dividend does Better Home & Finance Holding pay? Better Home & Finance Holding Company pays no dividend. In the last 12 reported quarters it declared no dividend per share, so there is no payout history to chart and no yield to show. Companies like this usually keep their earnings in the business, so the cash-flow sections show where that cash goes. ## Which stock lists is Better Home & Finance Holding on? Better Home & Finance Holding is not in the Nasdaq 100, the S&P 500 or the Dow Jones 30, and is not on the US tech stocks list. ## Is Better Home & Finance Holding profitable? Better Home & Finance Holding Company posted a net loss of $30.6 M in the Jun 2026 quarter. The full FY25 year was a loss of $166 M. That loss is 55.9% of the quarter's revenue. The same quarter a year earlier lost $36.3 M. 12 of the last 12 reported quarters were loss-making. ## How much revenue does Better Home & Finance Holding make, and is it growing? Better Home & Finance Holding Company reported $54.7 M of income in the Jun 2026 quarter, +28.2% on the same quarter a year earlier. That is the 10th quarter in a row with growth on the year before. Over 4 years it has grown −39.3% a year on average. The last full year, FY25, came in at $165 M. The last four reported quarters add to $190 M. FY25 revenue was $165 M, +52.0% on the year before. Recent pace: the last four quarters grew +52.1% on average, against −39.3% a year over the longer run, so this year is growing faster than its own long-run rate. Is growth speeding up? Revenue over the last 12 months grew +48.7%, against +57.1% a year over the last 8 quarters (rolling over). ## How much does Better Home & Finance Holding keep from what it earns? Better Home & Finance Holding Company's net margin was −55.9% in the Jun 2026 quarter, 29.1 percentage points higher than the same quarter a year ago. Across 5 years it has been between −741.5% and 6,403.0%. The latest quarter is within that range. Why: the net margin move is clear, but the cost details behind it are not in our data, so we show the move without guessing the reason. ## How many of Better Home & Finance Holding's loans have gone bad? Better Home & Finance Holding Company does not report loan-quality figures this page can read, so this section says so rather than guess. No bad-loan figures are filed in a form this page can read, and none are guessed from the profit line. The income, margin and return sections carry what this business does report. Why: loan quality drives a lender, but its details (new bad loans, recoveries, money set aside) are not in our data for this company. The sections around this one carry what we can back up. ## How fast is Better Home & Finance Holding's loan book growing? Better Home & Finance Holding Company's revenue was $165 M in FY25, +52.0% on the year before, so the loan book is growing. The latest quarter was +28.2% on a year earlier. The net margin on that income is −55.9%, +29.1 percentage points on a year ago. Interest income stands in for the size of the loan book; changes in interest rates can move it a few points in any year. In short: a lender grows well when its loan book grows, its margin stays steady and its loans stay clean. Quarterly loan-quality figures are missing here, so revenue growth and margin are the two we watch. ## What is Better Home & Finance Holding's P/BV ratio, and how does it compare with its own history? Better Home & Finance Holding Company's P/BV is 6.2×, in the middle of its own history: higher than 40% of past readings. Its usual P/BV (the middle reading) is 12.9×, over 5.3 years of weekly prices. This compares the share price with the company’s own past. It does not say what the business is worth. Why the multiple is low: this lender earns about −250% a year on its equity. A lender that earns less on its net worth is valued lower for each dollar of it, and that gap usually closes only if returns improve. Where the price move came from: over 5 years the price moved −48.0% a year; about −55.1% a year came from book-value growth and about +7.1 percentage points from the multiple (the market paying more). The split is approximate (price return minus book-value growth). It shows how much of the move came from the market paying a different multiple. In short: the multiple is about average against its own past, so the book value trend underneath matters more than the multiple. ## Is the Better Home & Finance Holding business getting better or worse? Better Home & Finance Holding Company's business trend cannot be read yet. There are fewer than eight usable quarters of growth figures, so there is not enough history to read the trend. This is based on 8 quarters of 2 measures, with some gaps. Why it matters: with too little history, we say so rather than guess a direction. The return figures here are yearly, not quarterly. They show level and direction only; they can support the growth lines but never decide the reading alone. There are fewer than eight usable quarters, so this page does not guess a direction from so little history. ## How much does Better Home & Finance Holding earn on its equity and assets? Better Home & Finance Holding Company earned a return on equity of −446% in FY25. That is its lowest yearly reading on file. On its assets, every $100 earned about −$12.14, before the effect of borrowing. For a lender the balance sheet is the business, so the return on equity and on assets have to be read together. That return is below the level a bank needs to grow its net worth quickly, which helps explain why its multiple is where it is. Why: the ROE chart shows the move, but the deposit-cost and bad-loan details behind it are not in our data. ## Does Better Home & Finance Holding have too much debt? For a bank, borrowing is the raw material of the business, not a warning sign: it borrows money in order to lend it out. Its safety is read through its returns and its loans. Its safety is read from the bad-loan figures and the return on equity instead. For a manufacturer, debt is a claim on its profits. For a lender it is the stock it trades in, so the usual debt-to-equity test would mislead and is not used here. ## What is the Better Home & Finance Holding shareholding pattern? 43.9% of Better Home & Finance Holding Company's tradable shares are in short positions, which are bets that the price will fall, so a large group of traders is betting against it. At normal trading volumes, closing those positions would take about 4.2 days. It is a single reading at one point in time; we do not have its history. US companies do not publish a quarter-by-quarter list of owners, so this page uses short interest instead. Why it is at this level: the figure does not say who holds the short positions or why, so we show the level without guessing the story. ## How far is Better Home & Finance Holding from balance-sheet trouble? For Better Home & Finance Holding Company, the Z-score is not used, because it was built for manufacturers, not lenders. For a lender, safety is read from its capital and bad-loan figures instead. ## How does Better Home & Finance Holding rank in its industry? 48.3 out of 100, rank 5 of 9 in Mortgage Finance, with 57% of the evidence available. Better Home & Finance Holding Company scores 48.3 out of 100 against the 9 companies it is compared with in Mortgage Finance, ranking 5. Some evidence is missing, so the score is pulled toward the middle on purpose. The four parts add up to the total exactly: 25.4 + 4 + 9 + 9.9 = 48.3. This is the same number shown on the industry page; it is worked out once for the whole group and read here. What would change it: The score would fall if ROA turns down or gross NPA rises while the share price lags its sector. ## Which companies is Better Home & Finance Holding compared with? Better Home & Finance Holding ranks 5 of 9 Mortgage Finance companies on the 4-Factor Sector Score, with 48.3 out of 100. 1. [Velocity Financial, Inc.](https://www.sectoralpha.in/us/stocks/vel) VEL · basing · Evidence leans up · 80% evidence 63.9 out of 100 Growth Capital Valuation Relative How the score adds up Growth & earnings 21.7/35 · Income 45.4% · Profit 30.9% · 81% evidence Capital efficiency 15.4/25 · ROA 1.2% · ROE 13% · GNPA n/a · 68% evidence Valuation 15.2/20 · P/BV 1× · P/BV÷ROE 0.08 · 70% evidence Relative strength 11.6/20 · Lead over its industry 14.9% · Lead over S&P 500 -16.9% · 1 year -16.7% · 100% evidence · 0 of 12 weeks ahead Exact sum: 21.7 + 15.4 + 15.2 + 11.6 = 63.9 · What this means: The evidence is balanced: no factor stands out, so another reported quarter is needed before the picture is clearer. 2. [Rocket Companies, Inc.](https://www.sectoralpha.in/us/stocks/rkt) RKT · turning · Evidence leans up · 69% evidence 60.3 out of 100 Growth Capital Valuation Relative How the score adds up Growth & earnings 24.8/35 · Income 98.9% · Profit n/a · 52% evidence Capital efficiency 15.0/25 · ROA 3.4% · ROE 5.2% · GNPA n/a · 68% evidence Valuation 3.3/20 · P/BV 1.89× · P/BV÷ROE 0.36 · 70% evidence Relative strength 17.2/20 · Lead over its industry 19.5% · Lead over S&P 500 -15.8% · 1 year -14.5% · 100% evidence · 1 of 12 weeks ahead Exact sum: 24.8 + 15 + 3.3 + 17.2 = 60.3 · What this means: The evidence is balanced: no factor stands out, so another reported quarter is needed before the picture is clearer. 3. [UWM Holdings Corporation](https://www.sectoralpha.in/us/stocks/uwmc) UWMC · turning · Evidence leans up · 80% evidence 56.8 out of 100 Growth Capital Valuation Relative How the score adds up Growth & earnings 14.0/35 · Income 4.3% · Profit -416.7% · 81% evidence Capital efficiency 19.6/25 · ROA 4.3% · ROE 42.7% · GNPA n/a · 68% evidence Valuation 16.5/20 · P/BV 0.79× · P/BV÷ROE 0.02 · 70% evidence Relative strength 6.7/20 · Lead over its industry -28.3% · Lead over S&P 500 -53.7% · 1 year -69.7% · 100% evidence · 1 of 12 weeks ahead Exact sum: 14 + 19.6 + 16.5 + 6.7 = 56.8 · What this means: The valuation scores well, but earnings are not improving yet, so the business does not back up the low multiple so far. 4. [Onity Group Inc.](https://www.sectoralpha.in/us/stocks/onit) ONIT · basing · Evidence leans up · 80% evidence 52.2 out of 100 Growth Capital Valuation Relative How the score adds up Growth & earnings 22.7/35 · Income 16.1% · Profit 100% · 81% evidence Capital efficiency 14.1/25 · ROA 2.4% · ROE 4.5% · GNPA n/a · 68% evidence Valuation 8.6/20 · P/BV 0.51× · P/BV÷ROE 0.11 · 70% evidence Relative strength 6.8/20 · Lead over its industry -1.6% · Lead over S&P 500 -30.4% · 1 year -25.2% · 100% evidence · 0 of 12 weeks ahead Exact sum: 22.7 + 14.1 + 8.6 + 6.8 = 52.2 · What this means: The evidence is balanced: no factor stands out, so another reported quarter is needed before the picture is clearer. 5. Better Home & Finance Holding Company this page BETR · turning · Too little evidence to rank firmly · 57% evidence 48.3 out of 100 Growth Capital Valuation Relative How the score adds up Growth & earnings 25.4/35 · Income 48.4% · Profit n/a · 52% evidence Capital efficiency 4.0/25 · ROA -12.8% · ROE -863.2% · GNPA n/a · 68% evidence Valuation 9.0/20 · P/BV 8.96× · P/BV÷ROE n/a · 10% evidence Relative strength 9.9/20 · Lead over its industry -4.5% · Lead over S&P 500 -36.2% · 1 year -66.8% · 100% evidence · 1 of 12 weeks ahead Exact sum: 25.4 + 4 + 9 + 9.9 = 48.3 · What this means: Some evidence is missing, so the score is pulled toward the middle on purpose. 6. [PennyMac Financial Services, Inc.](https://www.sectoralpha.in/us/stocks/pfsi) PFSI · basing · Evidence leans down · 80% evidence 41.6 out of 100 Growth Capital Valuation Relative How the score adds up Growth & earnings 15.9/35 · Income 21.7% · Profit 2.1% · 81% evidence Capital efficiency 12.6/25 · ROA 1.1% · ROE 7.6% · GNPA n/a · 68% evidence Valuation 8.5/20 · P/BV 1.04× · P/BV÷ROE 0.14 · 70% evidence Relative strength 4.6/20 · Lead over its industry -6% · Lead over S&P 500 -35% · 1 year -49.3% · 100% evidence · 0 of 12 weeks ahead Exact sum: 15.9 + 12.6 + 8.5 + 4.6 = 41.6 · What this means: The evidence is balanced: no factor stands out, so another reported quarter is needed before the picture is clearer. 7. Greystone Housing Impact Investors LP GHI · quiet · Evidence leans down · 69% evidence 39.9 out of 100 Growth Capital Valuation Relative How the score adds up Growth & earnings 16.1/35 · Income 22.2% · Profit n/a · 52% evidence Capital efficiency 7.5/25 · ROA 0.4% · ROE 1.4% · GNPA n/a · 68% evidence Valuation 6.2/20 · P/BV 0.37× · P/BV÷ROE 0.27 · 70% evidence Relative strength 10.1/20 · Lead over its industry 2.2% · Lead over S&P 500 -26.6% · 1 year -33.1% · 100% evidence · 5 of 12 weeks ahead Exact sum: 16.1 + 7.5 + 6.2 + 10.1 = 39.9 · What this means: The evidence is balanced: no factor stands out, so another reported quarter is needed before the picture is clearer. 8. [Walker & Dunlop, Inc.](https://www.sectoralpha.in/us/stocks/wd) WD · basing · Evidence leans down · 80% evidence 39.2 out of 100 Growth Capital Valuation Relative How the score adds up Growth & earnings 14.5/35 · Income 7.8% · Profit -64.8% · 81% evidence Capital efficiency 12.5/25 · ROA 1.3% · ROE 4.1% · GNPA n/a · 68% evidence Valuation 5.9/20 · P/BV 1.09× · P/BV÷ROE 0.27 · 70% evidence Relative strength 6.3/20 · Lead over its industry -5.9% · Lead over S&P 500 -33.9% · 1 year -49.3% · 100% evidence · 0 of 12 weeks ahead Exact sum: 14.5 + 12.5 + 5.9 + 6.3 = 39.2 · What this means: The evidence is balanced: no factor stands out, so another reported quarter is needed before the picture is clearer. 9. loanDepot, Inc. LDI · basing · Too little evidence to rank firmly · 57% evidence 28.1 out of 100 Growth Capital Valuation Relative How the score adds up Growth & earnings 11.5/35 · Income 12.1% · Profit n/a · 52% evidence Capital efficiency 5.3/25 · ROA -3.1% · ROE -60.8% · GNPA n/a · 68% evidence Valuation 9.8/20 · P/BV 0.87× · P/BV÷ROE n/a · 10% evidence Relative strength 1.5/20 · Lead over its industry -44.5% · Lead over S&P 500 -63.9% · 1 year -78.5% · 100% evidence · 0 of 12 weeks ahead Exact sum: 11.5 + 5.3 + 9.8 + 1.5 = 28.1 · What this means: Some evidence is missing, so the score is pulled toward the middle on purpose. Missing figures are not scored as bad. They lower the confidence and pull the final score toward the middle. Relative strength counts only when the company has a reading for this week; with no reading, that factor is left out and its 20 points are shared across the other three in proportion. Financial companies use P/BV÷ROE and asset quality; PEG, industrial OPM and ROCE are excluded. Under relative strength, one mark per week shows the last 12 weeks: a mark is filled where the company led S&P 500 by 5% or more over the 13 weeks ending that week, which is the same test used everywhere on this site. Price stage places the company on the same six-step path the industry is placed on (basing, turning, breaking out, leader, fading, asleep), read from how many weeks running it has led S&P 500 and whether that lead is growing or shrinking. It describes where the share price stands, not the direction of earnings, and it is not a recommendation; it is left blank for a company whose weekly history is too short or too stale to read. The figures in this ranking come from the industry comparison: results through the Jun 2026 quarter, and the P/E at that quarter's end. The sections above use the latest weekly price, so a P/E or return there can differ a little from the one here. The stage words in this ranking (such as losing its lead or breaking out) describe the lead over the index, not the price phase in the price section. Related companies: [Mortgage Finance](https://www.sectoralpha.in/us/sectors/mortgage-finance), all 9 compared on one page. ## Which companies are close to Better Home & Finance Holding in size? Better Home & Finance Holding is the 6th largest of 8 Mortgage Finance companies on Sector Alpha by market value (scores of 3 November 2026). Just above it: PennyMac Financial Services, Inc., UWM Holdings Corporation, Walker & Dunlop, Inc. and Velocity Financial, Inc. Just below it: Onity Group Inc. and loanDepot, Inc. ### Mortgage Finance companies close in size

1. [PennyMac Financial Services, Inc.](https://www.sectoralpha.in/us/stocks/pfsi) $3.3 billion
2. [UWM Holdings Corporation](https://www.sectoralpha.in/us/stocks/uwmc) $2.6 billion
3. [Walker & Dunlop, Inc.](https://www.sectoralpha.in/us/stocks/wd) $1.2 billion
4. [Velocity Financial, Inc.](https://www.sectoralpha.in/us/stocks/vel) $622 million
5. Better Home & Finance Holding Company $362 million
6. [Onity Group Inc.](https://www.sectoralpha.in/us/stocks/onit) $240 million
7. [loanDepot, Inc.](https://www.sectoralpha.in/us/stocks/ldi) $198 million

[All 8 Mortgage Finance companies, largest first](https://www.sectoralpha.in/us/sectors/mortgage-finance#all-companies)

### Companies close in size in other industries

1. [EVgo, Inc.](https://www.sectoralpha.in/us/stocks/evgo) $396 million · Specialty Retail
2. [Value Line, Inc.](https://www.sectoralpha.in/us/stocks/valu) $396 million · Financial Data & Stock Exchanges
3. Better Home & Finance Holding Company $396 million
4. [AlTi Global, Inc.](https://www.sectoralpha.in/us/stocks/alti) $396 million · Asset Management
5. [Codere Online Luxembourg, S.A.](https://www.sectoralpha.in/us/stocks/cdro) $393 million · Gambling

## What else do people ask about Better Home & Finance Holding? ### What were Better Home & Finance Holding's latest quarterly results? Better Home & Finance Holding Company reported total income of $54.7 M and a net loss of $30.6 M for the Jun 2026 quarter. Earnings per share were −$1.64. The net margin was −55.9%, 29.1 percentage points higher than a year earlier (as of 3 November 2026). ### What is Better Home & Finance Holding's market cap? Better Home & Finance Holding Company's market capitalisation is $362 M at a stock price of $19.04. Market cap is the share price times the number of shares, so it changes whenever the price moves (as of 3 November 2026). ### How is Better Home & Finance Holding performing? Better Home & Finance Holding Company's share price has been falling for 10 weeks. Over the past 13 weeks it has done better than the S&P 500, for 1 week running. This describes what the data did, not a rating (as of 3 November 2026). ### Will Better Home & Finance Holding's stock price go up? This page does not forecast Better Home & Finance Holding Company's stock price. What it shows instead: the stock price is $19.04, and it has been falling for 10 weeks. Its P/BV of 6.2× is higher than 40% of its own last 5 years (as of 3 November 2026). ### Where is Better Home & Finance Holding in its business cycle? Better Home & Finance Holding Company's FY25 net margin was −100.6%, against a 5-year range of −741.5% to 6,403.0%: the low end of its own range, which is often where recoveries start. The latest quarter was −55.9%. Comparing margins with a company's own long history is a good way to see where it is in its cycle (as of 3 November 2026). ### What could break the Better Home & Finance Holding story? Biggest thing to watch: the price is not yet in a clear uptrend, so timing is the risk more than the business. On price, this page treats a rise as over when the share price closes below its 200-day average on two Fridays in a row (as of 3 November 2026). ### Is Better Home & Finance Holding a stock worth studying right now? What the numbers show: Better Home & Finance Holding Company's share price, valuation and earnings point in different directions. The next one or two quarters should make it clearer. The main open question: the next one or two quarters of results. Every number on this page is worked out by code from the published figures, with no forecasts and no price opinions (as of 3 November 2026). This is research, not advice. We’re not SEBI-registered.