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BETR
Upturn stock ratingUpturn stock rating

Better Home & Finance Holding Company (BETR)

Upturn stock ratingUpturn stock rating
$12.39
Last Close (24-hour delay)
upturn advisory
PASS
  • BUY Advisory
  • SELL Advisory (Profit)​
  • SELL Advisory (Loss)​
  • Profit
  • Loss
  • Pass (Skip investing)
Upturn Stock infoUpturn Stock info Stock price based on last close
*as per simulation
(see disclosures)
Time period over
  • ALL
  • YEAR
  • MONTH
  • WEEK

Upturn Advisory Summary

06/30/2025: BETR (1-star) is currently NOT-A-BUY. Pass it for now.

Upturn Star Rating

rating

Not Recommended Performance

These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.

Number of Analysts

rating

Analysts rated it

Very few follow this stock; limited insights, higher-risk early investing.

1 Year Target Price $

1 Year Target Price $

Analysts Price Target For last 52 week
$Target price
Low$
Current$12.39
high$

Analysis of Past Performance

Type Stock
Historic Profit -95.69%
Avg. Invested days 34
Today’s Advisory PASS
Upturn Star Rating Upturn stock ratingUpturn stock rating
Upturn Advisory Performance Upturn Advisory Performance 1.0
Stock Returns Performance Upturn Returns Performance 1.0
Upturn Profits based on simulationUpturn Profits based on simulation Profits based on simulation
Upturn Profits based on simulationUpturn Profits based on simulation Last Close 06/30/2025

Key Highlights

Company Size Small-Cap Stock
Market Capitalization 184.28M USD
Price to earnings Ratio -
1Y Target Price -
Price to earnings Ratio -
1Y Target Price -
Volume (30-day avg) -
Beta 1.61
52 Weeks Range 7.71 - 30.00
Updated Date 06/29/2025
52 Weeks Range 7.71 - 30.00
Updated Date 06/29/2025
Dividends yield (FY) -
Basic EPS (TTM) -13.57

Earnings Date

Report Date -
When -
Estimate -
Actual -

Profitability

Profit Margin -172.87%
Operating Margin (TTM) -154.43%

Management Effectiveness

Return on Assets (TTM) -22.24%
Return on Equity (TTM) -640.35%

Valuation

Trailing PE -
Forward PE -
Enterprise Value 721022311
Price to Sales(TTM) 1.55
Enterprise Value 721022311
Price to Sales(TTM) 1.55
Enterprise Value to Revenue 5.27
Enterprise Value to EBITDA -0.85
Shares Outstanding 9716140
Shares Floating 7551460
Shares Outstanding 9716140
Shares Floating 7551460
Percent Insiders 29.8
Percent Institutions 46.02

Analyst Ratings

Rating -
Target Price -
Buy -
Strong Buy -
Buy -
Strong Buy -
Hold -
Sell -
Strong Sell -
Strong Sell -

ai summary icon Upturn AI SWOT

Better Home & Finance Holding Company

stock logo

Company Overview

overview logo History and Background

Better Home & Finance Holding Company, operating as Better.com, was founded in 2016. It aims to streamline the mortgage process through a digital-first approach. It has faced controversies related to mass layoffs and market volatility impacting the mortgage industry.

business area logo Core Business Areas

  • Mortgage Origination: Provides mortgage loans directly to consumers through its online platform. Includes loan pre-approval, underwriting, and closing services.
  • Real Estate Services: Offers real estate agent services connecting buyers and sellers with agents.
  • Title Insurance: Provides title insurance services related to property transactions.
  • Home Insurance: Offers homeowners insurance policies through partnerships with insurance providers.

leadership logo Leadership and Structure

Vishal Garg is the CEO. The company has a functional organizational structure, with departments dedicated to technology, sales, operations, and finance.

Top Products and Market Share

overview logo Key Offerings

  • Mortgage Origination: Better.com's primary offering is mortgage loans. Market share data is volatile due to market conditions; specific real-time share figures are hard to source. Competitors include Rocket Mortgage (RKT), United Wholesale Mortgage (UWMC), and traditional banks.
  • Real Estate Services: Connects buyers and sellers with real estate agents. Market share is a small percentage of the overall real estate transaction market. Competitors include Zillow Premier Agent, Opendoor and Redfin.
  • Title Insurance: Provides title insurance during real estate transactions. Competitors include Fidelity National Financial (FNF) and First American Financial (FAF).

Market Dynamics

industry overview logo Industry Overview

The mortgage industry is cyclical and sensitive to interest rate changes. Increased interest rates in 2022-2024 negatively impacted mortgage origination volumes. Fintech companies are competing with traditional mortgage lenders.

Positioning

Better.com aims to disrupt the mortgage industry with its digital platform and streamlined process, appealing to tech-savvy consumers. Its competitive advantage lies in its technology and potentially lower fees; however, it needs to achieve scale and profitability to compete effectively.

Total Addressable Market (TAM)

The US mortgage market is estimated to be trillions of dollars. Better.com's position is to capture a portion of this TAM by streamlining the loan process and attracting customers who prefer online services. However, increased interest rates have put pressure on this TAM.

Upturn SWOT Analysis

Strengths

  • Technology platform for streamlined mortgage process
  • Direct-to-consumer model
  • Potentially lower fees compared to traditional lenders
  • Partnerships with real estate agents and insurance providers

Weaknesses

  • Controversies related to layoffs and leadership
  • Dependence on interest rate environment
  • Lack of profitability
  • Reliance on funding

Opportunities

  • Expansion into new markets
  • Development of new products and services
  • Partnerships with other fintech companies
  • Increased adoption of digital mortgage solutions

Threats

  • Rising interest rates
  • Increased competition from traditional lenders and other fintech companies
  • Regulatory changes
  • Economic downturn

Competitors and Market Share

competitor logo Key Competitors

  • RKT
  • UWMC
  • LDI
  • RDN

Competitive Landscape

Better.com aims to compete with traditional lenders and other fintech companies by offering a streamlined online experience. However, it faces challenges related to brand reputation and profitability.

Growth Trajectory and Initiatives

Historical Growth: Growth was rapid in initial years due to favorable interest rate environment. However, it has slowed significantly recently.

Future Projections: Future growth is uncertain, and heavily dependent on interest rates and the company's ability to achieve profitability.

Recent Initiatives: Recent initiatives may include cost-cutting measures, product development, and partnership expansions.

Summary

Better.com is a fintech company aiming to disrupt the mortgage industry. Its digital-first approach and streamlined processes offer some advantages, but the company faces significant challenges related to profitability, competition, and the interest rate environment. The company must focus on improving its financial performance and brand reputation to achieve long-term success. The market is ripe for disruption but the company needs to stabilize for success.

Peer Comparison

Sources and Disclaimers

Data Sources:

  • Company Filings, Industry Reports, News Articles
  • SEC Filings

Disclaimers:

This analysis is based on publicly available information and does not constitute financial advice. Market conditions are constantly evolving, and financial data may change rapidly.

Upturn AI SummarizationUpturn AI Summarization AI Summarization is directionally correct and might not be accurate.

Upturn AI SummarizationUpturn AI Summarization Summarized information shown could be a few years old and not current.

Upturn AI SummarizationUpturn AI Summarization Fundamental Rating based on AI could be based on old data.

Upturn AI SummarizationUpturn AI Summarization AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.

About Better Home & Finance Holding Company

Exchange NYSE
Headquaters New York, NY, United States
IPO Launch date 2023-08-24
Co-Founder, CEO & Director Mr. Vishal Garg
Sector Financial Services
Industry Mortgage Finance
Full time employees 1250
Full time employees 1250

Better Home & Finance Holding Company operates as a homeownership company in the United States. The company provides government-sponsored enterprise GSE conforming loans, U.S. Federal Housing Administration FHA insured loans, U.S. Department of Veterans Affairs VA guaranteed loans, and jumbo loans to GSEs, banks, insurance companies, asset managers, and mortgage real estate investment trusts. It also offers real estate agent services, title insurance and settlement services, and homeowners insurance services. The company formerly known as Better Mortgage Corporation and changed its name to Better Home & Finance Holding Company in August 2023. Better Home & Finance Holding Company is headquartered in New York, New York.