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Upturn AI SWOT - About
Better Home & Finance Holding Company (BETRW)
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Upturn Advisory Summary
08/28/2025: BETRW (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 -60% | Avg. Invested days 20 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 08/28/2025 |
Key Highlights
Company Size ETF | Market Capitalization 0 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 0.03 - 0.15 | Updated Date 05/24/2025 |
52 Weeks Range 0.03 - 0.15 | Updated Date 05/24/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) - |
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 - | Price to Sales(TTM) - |
Enterprise Value - | Price to Sales(TTM) - | ||
Enterprise Value to Revenue - | Enterprise Value to EBITDA - | Shares Outstanding - | Shares Floating 7551460 |
Shares Outstanding - | Shares Floating 7551460 | ||
Percent Insiders - | Percent Institutions - |
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 aimed to disrupt the mortgage industry by offering a fully online platform. Its growth was rapid initially, fueled by low interest rates. The company has faced challenges including mass layoffs and market volatility.
Core Business Areas
- Mortgage Origination: Provides mortgage loans directly to consumers through its online platform.
- Real Estate Services: Offers real estate agent services to assist customers in buying or selling homes.
- Insurance Services: Provides homeowners insurance products through its platform.
- Title Insurance: Facilitates title insurance for properties purchased through its services.
Leadership and Structure
Vishal Garg is the founder and CEO. The company operates with a traditional hierarchical structure with various departments overseeing different functions.
Top Products and Market Share
Key Offerings
- Mortgage Loans: Better.com's primary offering is mortgage loans, covering purchase, refinance, and cash-out options. Market share is relatively small compared to large traditional lenders but has been growing in the online space. Competitors include Rocket Mortgage, LoanDepot, and traditional banks.
- Real Estate Services: Offers real estate agent matching services. Revenue is derived from referral fees or commissions. Competitors include Zillow Premier Agent and Redfin.
- Insurance Products: Partners with insurance companies to provide homeowners insurance. Revenue is derived from commissions. Competitors include Lemonade and major insurance carriers.
Market Dynamics
Industry Overview
The mortgage industry is highly competitive and cyclical, influenced by interest rates, economic conditions, and housing market trends. The industry is undergoing digital transformation, with increasing adoption of online platforms.
Positioning
Better.com positions itself as a technology-driven mortgage provider offering a streamlined online experience. Its competitive advantages include its online platform and potentially lower fees. Its disadvantages include reputational damage from past layoffs and challenges in competing with larger, established players.
Total Addressable Market (TAM)
The US mortgage market represents a multi-trillion-dollar TAM. Better.com, while striving for a larger share, currently captures a relatively small percentage. Their positioning focuses on tech-savvy consumers seeking convenience and potentially competitive rates.
Upturn SWOT Analysis
Strengths
- Online platform and technology
- Streamlined mortgage process
- Potential for lower fees
- Focus on customer experience
Weaknesses
- Reputational damage from past layoffs
- Smaller market share compared to traditional lenders
- Dependence on interest rate environment
- Profitability Concerns
Opportunities
- Expanding product offerings
- Capturing a larger share of the online mortgage market
- Partnering with real estate companies
- Leveraging technology for efficiency
Threats
- Rising interest rates
- Increased competition from traditional lenders and fintech companies
- Economic downturn affecting housing market
- Regulatory changes
Competitors and Market Share
Key Competitors
- RKT
- LDI
- UWMC
- RDN
Competitive Landscape
Better.com faces intense competition from established lenders with greater brand recognition and financial resources. Its advantages lie in its technology platform, but it needs to overcome reputational challenges and improve profitability.
Growth Trajectory and Initiatives
Historical Growth: Initial growth was rapid, driven by a favorable interest rate environment. Growth slowed significantly with rising interest rates.
Future Projections: Future growth projections are uncertain and dependent on the company's ability to adapt to changing market conditions. Analyst estimates vary significantly.
Recent Initiatives: Focus on cost-cutting measures and improving operational efficiency. Exploring new partnerships and product offerings.
Summary
Better.com, while innovative in its online approach, faces substantial challenges in the current market. Its reliance on a favorable interest rate environment, coupled with past reputational damage, pose significant hurdles. The company needs to demonstrate sustainable profitability and adapt to the evolving mortgage landscape to achieve long-term success, focusing on cost management and strategic partnerships to offset competitive pressures.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings
- Market research reports
- Financial news sources
- Analyst reports
Disclaimers:
The information provided is for informational purposes only and does not constitute financial advice. Investment decisions should be made based on thorough research and consultation with a qualified financial advisor. Market share data is approximate and may vary depending on the source. Due to recent SPAC merger and changes, financial metrics may be volatile.
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 NASDAQ | Headquaters New York, NY, United States | ||
IPO Launch date 2021-05-11 | 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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