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Upturn AI SWOT - About
Better Home & Finance Holding Company (BETR)
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Upturn Advisory Summary
07/02/2025: BETR (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
0 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price -
1 Year Target Price -
| 0 | Strong Buy |
| 0 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -95.69% | Avg. Invested days 34 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  1.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 07/02/2025 |
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, 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.
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 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
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
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
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.
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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