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Upturn AI SWOT - About
Better Home & Finance Holding Company (BETRW)
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Upturn Advisory Summary
09/12/2025: 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 -55.56% | Avg. Invested days 23 | 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 09/12/2025 |
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 aims to simplify the homeownership process through technology. Initially focused on mortgages, it has expanded into real estate, insurance, and other home-related services. The company has experienced rapid growth and significant layoffs, reflecting the volatile nature of the mortgage market.
Core Business Areas
- Mortgage Origination: Provides online mortgage origination services, streamlining the application, approval, and closing process.
- Real Estate Services: Offers real estate brokerage services, connecting buyers and sellers through its platform.
- Insurance Services: Provides homeowners insurance and other insurance products to protect homeowners.
- Title Services: Offers title insurance and closing services to facilitate real estate transactions.
Leadership and Structure
Vishal Garg is the CEO. The company operates with a functional organizational structure, with departments dedicated to specific business areas like mortgage origination, real estate, insurance, and technology.
Top Products and Market Share
Key Offerings
- Mortgage Origination: Better.com's core product is its online mortgage origination platform. Market share fluctuates with interest rates; data is not readily available. Competitors include Rocket Mortgage (RKT), United Wholesale Mortgage (UWMC), and traditional banks like Wells Fargo (WFC).
- Real Estate Services: The company's real estate brokerage platform connects buyers and sellers. Market share is small relative to established brokerages. Competitors include Zillow (Z), Redfin (RDFN), and Compass (COMP).
- Insurance Services: Better.com offers homeowners insurance. Market share is small relative to established insurers. Competitors include Progressive (PGR), State Farm (private), and Allstate (ALL).
Market Dynamics
Industry Overview
The mortgage industry is highly cyclical and sensitive to interest rate fluctuations. The real estate market is influenced by economic conditions, demographics, and housing supply. Insurtech is a growing segment of the insurance industry.
Positioning
Better.com aims to disrupt the traditional mortgage industry with its technology-driven platform. It positions itself as a more efficient and transparent alternative to traditional lenders. However, it faces competition from established players with larger market shares and brand recognition.
Total Addressable Market (TAM)
The US mortgage market is worth trillions of dollars annually. Better.com is positioned to capture a share of this TAM through its online platform, but its market share remains relatively small. The US housing market is also multi-trillion with multiple entrants.
Upturn SWOT Analysis
Strengths
- Technology-driven platform
- Streamlined online application process
- Diversified product offerings (mortgage, real estate, insurance)
- Focus on customer experience
Weaknesses
- Relatively small market share
- Dependence on mortgage market conditions
- History of layoffs and negative publicity
- Profitability concerns
Opportunities
- Expansion into new markets
- Partnerships with real estate agents and builders
- Development of new technology solutions
- Increased adoption of online mortgage platforms
Threats
- Rising interest rates
- Increased competition from established lenders
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- RKT
- UWMC
- RDFN
- ZG
Competitive Landscape
Better.com faces intense competition from larger, more established players with greater resources and brand recognition. Its technology-driven platform offers a potential advantage, but its profitability and sustainability remain concerns.
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been rapid but inconsistent, marked by periods of expansion and contraction.
Future Projections: Future growth projections are uncertain due to market volatility and competition. Analyst estimates vary widely.
Recent Initiatives: Recent initiatives include cost-cutting measures, technology investments, and partnerships to expand its product offerings.
Summary
Better Home & Finance Holding Company is a technology-driven mortgage and real estate platform attempting to disrupt traditional industries. Its strength lies in its streamlined online processes, but it faces challenges regarding profitability, market share, and volatile market conditions. The company needs to focus on sustainable growth and maintaining a positive reputation to thrive in a competitive landscape. Its future depends on navigating the challenges of a cyclical market and improving investor confidence.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Filings
- Market Research Reports
- Industry News Articles
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market conditions and company performance 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 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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