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Upturn AI SWOT - About
Better Home & Finance Holding Company (BETR)
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Upturn Advisory Summary
11/28/2025: BETR (2-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Analysis of Past Performance
Type Stock | Historic Profit -79.86% | Avg. Invested days 40 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  1.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 11/28/2025 |
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.com, was founded in 2016. It aims to streamline the homeownership process using technology. Initially focused on mortgage lending, it has expanded into other areas like real estate and insurance.
Core Business Areas
- Mortgage Lending: Provides mortgage origination services, offering a range of mortgage products to homebuyers and homeowners for refinancing.
- Real Estate Services: Offers real estate agent services to assist customers in buying or selling homes.
- Insurance Services: Provides homeowners insurance products, aiming to bundle services and simplify the home buying process.
Leadership and Structure
The leadership team includes Vishal Garg (CEO). The company operates with a functional organizational structure, focusing on technology-driven efficiencies.
Top Products and Market Share
Key Offerings
- Mortgage Origination: Better.com's primary offering, facilitating mortgage applications and approvals online. Market share data is difficult to pin-point and is constantly fluctuating in the fast pace lending market. Competitors include Rocket Mortgage (RKT) and LoanDepot (LDI).
- Real Estate Services: Connects buyers and sellers with real estate agents. Market share is smaller relative to mortgage lending. Competitors include Zillow (Z), Redfin (RDFN).
- Insurance Services: Provides homeowners insurance. Data on market share is not readily available. Competitors include Lemonade (LMND) and traditional insurance companies.
Market Dynamics
Industry Overview
The mortgage industry is highly competitive and sensitive to interest rate fluctuations. Technology is playing an increasing role in streamlining the application and approval process. Real estate is also competitive with many new tech startups.
Positioning
Better.com positions itself as a tech-driven disruptor in the mortgage and real estate industries, aiming to offer a more efficient and transparent process compared to traditional lenders and agents.
Total Addressable Market (TAM)
The US mortgage market is estimated to be in the trillions of dollars. The real estate market is also in the trillions. Better.com is positioned to capture a share of this market through its online platform and streamlined processes.
Upturn SWOT Analysis
Strengths
- Technology-driven platform
- Streamlined online application process
- Focus on transparency
- Bundled services (mortgage, real estate, insurance)
Weaknesses
- Dependence on interest rate environment
- Negative publicity and layoffs affecting company's reputation
- Limited profitability record
- Relatively new player in a mature market
Opportunities
- Expanding product offerings
- Partnerships with real estate agencies
- Further development of technology platform
- Increased adoption of online mortgage applications
Threats
- Rising interest rates
- Intense competition from established lenders
- Economic downturn affecting housing market
- Regulatory changes impacting mortgage industry
Competitors and Market Share
Key Competitors
- RKT
- LDI
- Z
- RDFN
Competitive Landscape
Better.com faces intense competition from established mortgage lenders and real estate portals. Its competitive advantage lies in its technology platform and streamlined process, but it needs to overcome reputational challenges and achieve profitability.
Growth Trajectory and Initiatives
Historical Growth: Historical growth was strong in the low-interest rate environment, but has since faced challenges.
Future Projections: Analyst projections are highly variable depending on interest rate forecasts and housing market conditions.
Recent Initiatives: Recent initiatives include cost-cutting measures, streamlining operations, and focusing on core mortgage products.
Summary
Better.com is a technology-driven company trying to disrupt the mortgage and real estate industries. The company's growth has been affected by the market. It must improve on profits. Better.com faces strong competition and economic uncertaintly.
Similar Stocks
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Website
- Third-party financial data providers
- Market Reports
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Market conditions and company performance can change rapidly. Investors should conduct their own due diligence before making any investment decisions.
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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