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BETTER HOME & FINANCE HOLDIN (BETR) Stock Fundamental Analysis

NASDAQ:BETR - Nasdaq - US08774B5084 - Common Stock - Currency: USD

9.91  -0.69 (-6.51%)

Fundamental Rating

1

We assign a fundamental rating of 1 out of 10 to BETR. BETR was compared to 101 industry peers in the Financial Services industry. BETR has a bad profitability rating. Also its financial health evaluation is rather negative. BETR does not seem to be growing, but still is valued expensively.


Dividend Valuation Growth Profitability Health

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0

1. Profitability

1.1 Basic Checks

BETR had negative earnings in the past year.
BETR had a negative operating cash flow in the past year.
BETR Yearly Net Income VS EBIT VS OCF VS FCFBETR Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2020 2021 2022 2023 0 -100M -200M -300M -400M -500M

1.2 Ratios

BETR has a worse Return On Assets (-53.87%) than 95.05% of its industry peers.
BETR has a Return On Equity of -594.23%. This is amonst the worse of the industry: BETR underperforms 94.06% of its industry peers.
Industry RankSector Rank
ROA -53.87%
ROE -594.23%
ROIC N/A
ROA(3y)-19.32%
ROA(5y)N/A
ROE(3y)-145.43%
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
BETR Yearly ROA, ROE, ROICBETR Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2020 2021 2022 2023 0 -100 -200 -300 -400

1.3 Margins

The Profit Margin and Operating Margin and Gross Margin are not available for BETR so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
BETR Yearly Profit, Operating, Gross MarginsBETR Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2020 2021 2022 2023 -200 -400 -600

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3

2. Health

2.1 Basic Checks

BETR does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for BETR has been increased compared to 1 year ago.
Compared to 1 year ago, BETR has a worse debt to assets ratio.
BETR Yearly Shares OutstandingBETR Yearly Shares OutstandingYearly Shares Outstanding 2020 2021 2022 2023 200M 400M 600M
BETR Yearly Total Debt VS Total AssetsBETR Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2020 2021 2022 2023 200M 400M 600M 800M

2.2 Solvency

Based on the Altman-Z score of -3.03, we must say that BETR is in the distress zone and has some risk of bankruptcy.
BETR has a Altman-Z score of -3.03. This is in the lower half of the industry: BETR underperforms 77.23% of its industry peers.
A Debt/Equity ratio of 8.56 is on the high side and indicates that BETR has dependencies on debt financing.
The Debt to Equity ratio of BETR (8.56) is worse than 87.13% of its industry peers.
Industry RankSector Rank
Debt/Equity 8.56
Debt/FCF N/A
Altman-Z -3.03
ROIC/WACCN/A
WACC6.99%
BETR Yearly LT Debt VS Equity VS FCFBETR Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2020 2021 2022 2023 0 200M 400M 600M

2.3 Liquidity

A Current Ratio of 4.59 indicates that BETR has no problem at all paying its short term obligations.
Looking at the Current ratio, with a value of 4.59, BETR belongs to the top of the industry, outperforming 91.09% of the companies in the same industry.
A Quick Ratio of 4.59 indicates that BETR has no problem at all paying its short term obligations.
Looking at the Quick ratio, with a value of 4.59, BETR belongs to the top of the industry, outperforming 91.09% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 4.59
Quick Ratio 4.59
BETR Yearly Current Assets VS Current LiabilitesBETR Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2020 2021 2022 2023 100M 200M 300M 400M 500M

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0

3. Growth

3.1 Past

BETR shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -419.79%.
EPS 1Y (TTM)-419.79%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-1213.27%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%N/A

3.2 Future

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
BETR Yearly Revenue VS EstimatesBETR Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2020 2021 2022 2023 20M 40M 60M 80M
BETR Yearly EPS VS EstimatesBETR Yearly EPS VS EstimatesYearly EPS VS Estimates 2020 2021 2022 2023

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4. Valuation

4.1 Price/Earnings Ratio

BETR reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
Industry RankSector Rank
PE N/A
Fwd PE N/A
BETR Price Earnings VS Forward Price EarningsBETR Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0 0 0 0 0 0 0

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
BETR Per share dataBETR EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 5 -5 -10

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A

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0

5. Dividend

5.1 Amount

BETR does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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BETTER HOME & FINANCE HOLDIN

NASDAQ:BETR (3/7/2025, 8:07:13 PM)

9.91

-0.69 (-6.51%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)11-13 2024-11-13/bmo
Earnings (Next)N/A N/A
Inst Owners41.85%
Inst Owner Change26.02%
Ins Owners1.26%
Ins Owner Change-0.27%
Market Cap149.94M
AnalystsN/A
Price TargetN/A
Short Float %2.2%
Short Ratio3.46
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S 2.6
P/FCF N/A
P/OCF N/A
P/B 1.97
P/tB 11.33
EV/EBITDA N/A
EPS(TTM)-0.69
EYN/A
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)-14.29
FCFYN/A
OCF(TTM)-13.59
OCFYN/A
SpS3.81
BVpS5.04
TBVpS0.87
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -53.87%
ROE -594.23%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM N/A
FCFM N/A
ROA(3y)-19.32%
ROA(5y)N/A
ROE(3y)-145.43%
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score3
Asset Turnover0.07
Health
Industry RankSector Rank
Debt/Equity 8.56
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 4.59
Quick Ratio 4.59
Altman-Z -3.03
F-Score3
WACC6.99%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-419.79%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-1213.27%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%N/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-2106.02%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-6007.75%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-5707.35%
OCF growth 3YN/A
OCF growth 5YN/A