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Upturn AI SWOT - About
Better Home & Finance Holding Company (BETR)
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Upturn Advisory Summary
08/28/2025: BETR (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Analysis of Past Performance
Type Stock | Historic Profit -93.44% | Avg. Invested days 32 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  1.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 08/28/2025 |
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 |
Upturn AI SWOT
Better Home & Finance Holding Company
Company Overview
History and Background
Better Home & Finance Holding Company, commonly known as Better, was founded in 2016. It aimed to disrupt the mortgage industry with a digital-first approach. It went public via SPAC merger in August 2023.
Core Business Areas
- Mortgage Origination: Provides online mortgage origination services, allowing customers to apply for and secure mortgages through a digital platform.
- Real Estate Services: Offers real estate agent services to assist customers in buying or selling homes.
- Title and Insurance Services: Provides title insurance and homeowners insurance services to streamline the closing process.
Leadership and Structure
Vishal Garg is the CEO. The company operates with a functional organizational structure, with departments for engineering, marketing, sales, and operations.
Top Products and Market Share
Key Offerings
- Mortgage Origination Platform: Digital platform for mortgage application, pre-approval, and loan closing. Market share is variable but generally small, estimated below 5%. Competitors include Rocket Mortgage (RKT), LoanDepot (LDI), and traditional banks.
- Better Real Estate: Real estate brokerage services. Revenue figures vary. Competitors include Zillow (Z), Redfin (RDFN), and Compass (COMP).
Market Dynamics
Industry Overview
The mortgage industry is highly competitive and sensitive to interest rate fluctuations. The real estate market is also cyclical and influenced by economic conditions.
Positioning
Better aims to differentiate itself through its technology-driven approach and customer-centric platform. However, it faces competition from larger, more established players and other fintech companies.
Total Addressable Market (TAM)
The TAM for the mortgage market is trillions of dollars annually. Better is positioned to capture a small, albeit growing, share of this market.
Upturn SWOT Analysis
Strengths
- Technology-driven platform
- Streamlined online process
- Focus on customer experience
- Brand recognition in digital mortgage space
Weaknesses
- Relatively small market share
- Dependence on interest rate environment
- History of layoffs and controversy
- Profitability challenges
Opportunities
- Expanding product offerings (e.g., personal loans)
- Partnerships with real estate agents and builders
- Geographic expansion
- Increased adoption of digital mortgages
Threats
- Rising interest rates
- Increased competition
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- RKT
- LDI
- Z
- RDFN
- COMP
Competitive Landscape
Better competes with both traditional mortgage lenders and other fintech companies. It has a technologically advanced platform but faces challenges in terms of scale and profitability.
Major Acquisitions
Trussle
- Year: 2021
- Acquisition Price (USD millions): 0
- Strategic Rationale: Expand into the UK market
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been inconsistent due to market conditions and internal challenges.
Future Projections: Future growth projections are uncertain and depend on the company's ability to execute its strategy and navigate market challenges.
Recent Initiatives: Recent initiatives include focusing on cost reduction and improving operational efficiency.
Summary
Better aims to revolutionize the mortgage industry with its digital-first approach. Its strengths lie in its technology and customer focus, however, it faces challenges in achieving profitability and scaling effectively amid fierce competition. The company's future success hinges on its ability to navigate interest rate fluctuations and capitalize on growth opportunities in a dynamic market. Recent layoffs and controversies highlight the importance of building investor and consumer trust.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings
- Market research reports
- Financial news sources
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market data and analyst estimates are subject to change.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
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 | Website https://better.com |
Full time employees 1250 | Website https://better.com | ||
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.
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