Better Home & Finance Holding Company

BETR

BETRBetter Home & Finance Holding Company US flag

NASDAQ Global Market

26.41

USD

-1.93

- -

413.82MMarket Cap

Profitability (USD)

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	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Return on Common Equity (%)	- -	- -	- -	- -	- -
Return on Assets (%)	- -	-40.02	-53.94	-22.69	-13.72
Return on Capital (%)	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -
Gross Margin (%)	26.1	-75.55	-118.2	-43.64	-11.93
EBITDA Margin (%)	-9.57	-138.19	-233.05	-128.93	-65.45
Operating Margin (%)	-11.64	-150.7	-275.05	-156.61	-72.25
Incremental Operating Margin (%)	- -	- -	- -	- -	- -
Pretax Margin (%)	-23.14	-221.72	-523.36	-171.12	-80.15
Profit Margin (%)	-22.96	-222	-525.32	-171.83	-80.17
Net Income to Common Margin (%)	-22.96	-222	-525.32	-171.83	-80.17
Effective Tax Rate (%)	- -	- -	- -	- -	- -
Dvd Payout Ratio (%)	- -	- -	- -	- -	- -
Sustainable Growth Rate (%)	- -	- -	- -	- -	- -

Credit (USD)

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	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Total Debt	2,368	1,096	672	768	615
ST Debt	1,668	144	126	244	412
LT Debt	700	952	546	524	203
Total Debt/EBITDA	-18.87	-2.01	-2.82	-4.96	-4.54
Net Debt/EBITDA	-10.81	-1.32	-0.58	-3.57	-3.77
Total Debt/EBIT	-15.51	-1.84	-2.39	-4.08	-4.12
Net Debt/EBIT	-8.88	-1.21	-0.49	-2.94	-3.42
EBITDA to Interest Expense	-1.24	-1.8	-7.53	- -	- -
EBITDA-CapEx/Interest Expense	-1.4	-1.84	-7.55	- -	- -
EBIT to Interest Expense	-1.51	-1.96	-8.89	- -	- -
Interest Expense	101	303	32	- -	- -
Common Equity/Total Assets	-8.87	-107.78	-188.18	-209.23	-137.92
Long-Term Debt/Equity (%)	103.48	- -	445.23	- -	547.11
Long-Term Debt/Capital (%)	27.87	261.09	-52.89	-45.85	-13.92
Long-Term Debt/Total Assets (%)	21.21	87.87	60.28	57.37	13.51
Total Debt/Equity (%)	350.06	-652.73	548.18	-1,320.1	1,654.77
Total Debt/Capital (%)	94.28	300.6	-65.12	-67.21	-42.12
Total Debt/Total Assets (%)	71.76	101.16	74.22	84.1	40.87
Net Debt to Equity	200.45	-429.11	111.97	-950.18	1,373.85
Net Debt/Capital (%)	86.19	1,544.96	-8.94	-40.83	-32.73
EBITDA	-125	-546	-238	-155	-135
EBITDA-CapEx	-141	-558	-238	-158	-137
Operating Income (Loss)	-153	-595	-281	-188	-149

Liquidity (USD)

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	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Cash Ratio	0.5	1.2	2.54	0.61	0.16
Current Ratio	1.66	2.62	3.83	1.98	1.17
Quick Ratio	1.62	2.34	3.5	1.83	1.13
CFO/Avg Current Liab	- -	0.88	-0.68	-1.18	-0.2
Common Equity/Total Assets	-8.87	-107.78	-188.18	-209.23	-137.92
Long-Term Debt/Equity (%)	103.48	- -	445.23	- -	547.11
Long-Term Debt/Capital (%)	27.87	261.09	-52.89	-45.85	-13.92
Long-Term Debt/Total Assets (%)	21.21	87.87	60.28	57.37	13.51
Total Debt/Equity (%)	350.06	-652.73	548.18	-1,320.1	1,654.77
Total Debt/Capital (%)	94.28	300.6	-65.12	-67.21	-42.12
Total Debt/Total Assets (%)	71.76	101.16	74.22	84.1	40.87
CFO/Total Liabilities	13.77	74.98	-20.4	-39.12	-11.35
CFO/CapEx	22.98	79.95	-350.26	-112.15	-139.63
Altman's Z-Score	2.25	0.89	-2.71	-2.98	-1.8

Working Capital (USD)

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	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Accounts Receivable Turnover	- -	- -	- -	- -	- -
Days Sales Outstanding	- -	- -	- -	- -	- -
Inventory Turnover	- -	613.51	391.23	- -	- -
Days Inventory Outstanding	- -	0.59	0.93	- -	- -
Accounts Payable Turnover	- -	6.43	2.98	3.01	3.77
Accounts Payable Turnover Days	- -	56.75	122.67	121.38	96.7
Cash Conversion Cycle	- -	-56.16	-121.74	-121.38	-96.7
Inventory to Cash Days	- -	-0.59	-0.93	- -	- -
Inventories	1	1	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -
Other Inventory	1	1	- -	- -	- -

Enterprise Value (USD)

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	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Market Capitalization	7,302	7,442	377	135	500
- Cash & Cash Equivalents	938	318	504	211	100
+ Preferred Equity and Hybrid Capital	436	436	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -
+ Total Debt	2,368	1,096	672	768	615
Enterprise Value	9,168	8,657	520	638	912
Total Capital	2,512	365	-1,032	-1,142	-1,461
Total Debt/Capital (%)	94.28	300.6	-65.12	-67.21	-42.12
Total Debt / EV	0.26	0.13	1.29	1.2	0.67
EV/Sales	6.99	21.91	5.09	5.31	4.41
EV/EBITDA	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	19.87	6.97	- -	- -	- -
EV/Free Cash Flow to Firm	19.22	6.91	- -	- -	- -
Diluted Market Cap	7,302	7,442	377	135	500
Diluted Enterprise Value	9,168	8,657	545	692	1,016
EV per Share	621.49	586.81	56.3	42.21	59.4
TTM Sales	1,312	395	102	120	207
TTM EBITDA	-125	-546	-238	-155	-135
TTM Operating Income	-153	-595	-281	-188	-149
TTM Cash Flow to Firm	461	1,242	-128	-380	-167
TTM Free Cash Flow to Firm	477	1,254	-128	-377	-165

Multiples (USD)

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	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Price/Free Cash Flow	19.37	7.83	-2.37	-0.36	-3.03
EV/EBIT	- -	- -	- -	- -	- -
Enterprise Value	9,168	8,657	520	638	912
Low Price	481	489	17.05	8.79	7.71
EV/Sales	6.99	21.91	5.09	5.31	4.41
EV/EBITDA	- -	- -	- -	- -	- -
Price/Earnings	- -	- -	- -	- -	- -
Price/Earnings Average	-24.36	-8.31	-7.58	-1.52	-2.35
Price/Earnings High	-27.21	-8.49	-54.15	-3.07	-8.71
Price/Earnings Low	-23.56	-8.22	-0.29	-0.64	-0.71
Price/Book Value	-24.96	-6.37	-0.22	-0.07	-0.24
Price/Book Value Average	-25.07	-6.24	-2.39	-0.16	-0.19
Price/Book Value High	-28.01	-6.37	-17.04	-0.33	-0.7
Price/Book Value Low	-24.25	-6.18	-0.09	-0.07	-0.06
Price/Tangible Book Value	49.39	-10.89	7.24	-1.31	119.05
Price/Tangible Book Value Average	49.62	-10.66	78.03	-3.05	92.58
Price/Tangible Book Value High	55.42	-10.89	557.65	-6.17	343.71
Price/Tangible Book Value Low	47.99	-10.55	3.02	-1.29	28.17
Price/Sales	5.57	18.84	3.69	1.12	2.42
Price/Sales Average	5.59	18.44	39.8	2.61	1.88
Price/Sales High	6.25	18.84	284.44	5.28	6.98
Price/Sales Low	5.41	18.26	1.54	1.11	0.57
Price/Cash Flow	20.22	7.93	-2.36	-0.35	-3
Price/Cash Flow Average	20.31	7.76	-25.45	-0.82	-2.34
Price/Cash Flow High	22.69	7.93	-181.85	-1.67	-8.67
Price/Cash Flow Low	19.64	7.69	-0.99	-0.35	-0.71
Price/Free Cash Flow Average	19.46	7.67	-25.52	-0.83	-2.35
Price/Free Cash Flow High	21.74	7.83	-182.37	-1.68	-8.74
Price/Free Cash Flow Low	18.82	7.59	-0.99	-0.35	-0.72
EV/Sales Average	7.02	21.51	41.45	7.24	4.37
EV/Sales High	7.67	21.91	286.09	9.91	9.47
EV/Sales Low	6.83	21.33	3.19	5.74	3.06
EV/EBITDA Average	-73.34	-15.57	-17.79	-5.62	-6.68
EV/EBITDA High	-80.18	-15.86	-122.76	-7.69	-14.48
EV/EBITDA Low	-71.42	-15.44	-1.37	-4.46	-4.68
EV/EBIT Average	-60.26	-14.27	-15.07	-4.63	-6.05
EV/EBIT High	-65.88	-14.54	-104.01	-6.33	-13.11
EV/EBIT Low	-58.69	-14.16	-1.16	-3.67	-4.24
Last Price	495	504.5	40.83	8.92	32.58
High Price	555.5	504.5	3,145.5	41.91	94.06
Enterprise Value Average	9,202	8,499	4,233	870	905
Enterprise Value High	10,060	8,657	29,213	1,190	1,960
Enterprise Value Low	8,961	8,428	326	690	634

Profitability (USD)

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	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Return on Common Equity (%)	- -	- -	- -	- -	- -
Return on Assets (%)	- -	-40.02	-53.94	-22.69	-13.72
Return on Capital (%)	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -
Gross Margin (%)	26.1	-75.55	-118.2	-43.64	-11.93
EBITDA Margin (%)	-9.57	-138.19	-233.05	-128.93	-65.45
Operating Margin (%)	-11.64	-150.7	-275.05	-156.61	-72.25
Incremental Operating Margin (%)	- -	- -	- -	- -	- -
Pretax Margin (%)	-23.14	-221.72	-523.36	-171.12	-80.15
Profit Margin (%)	-22.96	-222	-525.32	-171.83	-80.17
Net Income to Common Margin (%)	-22.96	-222	-525.32	-171.83	-80.17
Effective Tax Rate (%)	- -	- -	- -	- -	- -
Dvd Payout Ratio (%)	- -	- -	- -	- -	- -
Sustainable Growth Rate (%)	- -	- -	- -	- -	- -

Credit (USD)

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	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Total Debt	2,368	1,096	672	768	615
ST Debt	1,668	144	126	244	412
LT Debt	700	952	546	524	203
Total Debt/EBITDA	-18.87	-2.01	-2.82	-4.96	-4.54
Net Debt/EBITDA	-10.81	-1.32	-0.58	-3.57	-3.77
Total Debt/EBIT	-15.51	-1.84	-2.39	-4.08	-4.12
Net Debt/EBIT	-8.88	-1.21	-0.49	-2.94	-3.42
EBITDA to Interest Expense	-1.24	-1.8	-7.53	- -	- -
EBITDA-CapEx/Interest Expense	-1.4	-1.84	-7.55	- -	- -
EBIT to Interest Expense	-1.51	-1.96	-8.89	- -	- -
Interest Expense	101	303	32	- -	- -
Common Equity/Total Assets	-8.87	-107.78	-188.18	-209.23	-137.92
Long-Term Debt/Equity (%)	103.48	- -	445.23	- -	547.11
Long-Term Debt/Capital (%)	27.87	261.09	-52.89	-45.85	-13.92
Long-Term Debt/Total Assets (%)	21.21	87.87	60.28	57.37	13.51
Total Debt/Equity (%)	350.06	-652.73	548.18	-1,320.1	1,654.77
Total Debt/Capital (%)	94.28	300.6	-65.12	-67.21	-42.12
Total Debt/Total Assets (%)	71.76	101.16	74.22	84.1	40.87
Net Debt to Equity	200.45	-429.11	111.97	-950.18	1,373.85
Net Debt/Capital (%)	86.19	1,544.96	-8.94	-40.83	-32.73
EBITDA	-125	-546	-238	-155	-135
EBITDA-CapEx	-141	-558	-238	-158	-137
Operating Income (Loss)	-153	-595	-281	-188	-149

Liquidity (USD)

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	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Cash Ratio	0.5	1.2	2.54	0.61	0.16
Current Ratio	1.66	2.62	3.83	1.98	1.17
Quick Ratio	1.62	2.34	3.5	1.83	1.13
CFO/Avg Current Liab	- -	0.88	-0.68	-1.18	-0.2
Common Equity/Total Assets	-8.87	-107.78	-188.18	-209.23	-137.92
Long-Term Debt/Equity (%)	103.48	- -	445.23	- -	547.11
Long-Term Debt/Capital (%)	27.87	261.09	-52.89	-45.85	-13.92
Long-Term Debt/Total Assets (%)	21.21	87.87	60.28	57.37	13.51
Total Debt/Equity (%)	350.06	-652.73	548.18	-1,320.1	1,654.77
Total Debt/Capital (%)	94.28	300.6	-65.12	-67.21	-42.12
Total Debt/Total Assets (%)	71.76	101.16	74.22	84.1	40.87
CFO/Total Liabilities	13.77	74.98	-20.4	-39.12	-11.35
CFO/CapEx	22.98	79.95	-350.26	-112.15	-139.63
Altman's Z-Score	2.25	0.89	-2.71	-2.98	-1.8

Working Capital (USD)

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	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Accounts Receivable Turnover	- -	- -	- -	- -	- -
Days Sales Outstanding	- -	- -	- -	- -	- -
Inventory Turnover	- -	613.51	391.23	- -	- -
Days Inventory Outstanding	- -	0.59	0.93	- -	- -
Accounts Payable Turnover	- -	6.43	2.98	3.01	3.77
Accounts Payable Turnover Days	- -	56.75	122.67	121.38	96.7
Cash Conversion Cycle	- -	-56.16	-121.74	-121.38	-96.7
Inventory to Cash Days	- -	-0.59	-0.93	- -	- -
Inventories	1	1	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -
Other Inventory	1	1	- -	- -	- -

Enterprise Value (USD)

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	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Market Capitalization	7,302	7,442	377	135	500
- Cash & Cash Equivalents	938	318	504	211	100
+ Preferred Equity and Hybrid Capital	436	436	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -
+ Total Debt	2,368	1,096	672	768	615
Enterprise Value	9,168	8,657	520	638	912
Total Capital	2,512	365	-1,032	-1,142	-1,461
Total Debt/Capital (%)	94.28	300.6	-65.12	-67.21	-42.12
Total Debt / EV	0.26	0.13	1.29	1.2	0.67
EV/Sales	6.99	21.91	5.09	5.31	4.41
EV/EBITDA	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	19.87	6.97	- -	- -	- -
EV/Free Cash Flow to Firm	19.22	6.91	- -	- -	- -
Diluted Market Cap	7,302	7,442	377	135	500
Diluted Enterprise Value	9,168	8,657	545	692	1,016
EV per Share	621.49	586.81	56.3	42.21	59.4
TTM Sales	1,312	395	102	120	207
TTM EBITDA	-125	-546	-238	-155	-135
TTM Operating Income	-153	-595	-281	-188	-149
TTM Cash Flow to Firm	461	1,242	-128	-380	-167
TTM Free Cash Flow to Firm	477	1,254	-128	-377	-165

Multiples (USD)

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	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Price/Free Cash Flow	19.37	7.83	-2.37	-0.36	-3.03
EV/EBIT	- -	- -	- -	- -	- -
Enterprise Value	9,168	8,657	520	638	912
Low Price	481	489	17.05	8.79	7.71
EV/Sales	6.99	21.91	5.09	5.31	4.41
EV/EBITDA	- -	- -	- -	- -	- -
Price/Earnings	- -	- -	- -	- -	- -
Price/Earnings Average	-24.36	-8.31	-7.58	-1.52	-2.35
Price/Earnings High	-27.21	-8.49	-54.15	-3.07	-8.71
Price/Earnings Low	-23.56	-8.22	-0.29	-0.64	-0.71
Price/Book Value	-24.96	-6.37	-0.22	-0.07	-0.24
Price/Book Value Average	-25.07	-6.24	-2.39	-0.16	-0.19
Price/Book Value High	-28.01	-6.37	-17.04	-0.33	-0.7
Price/Book Value Low	-24.25	-6.18	-0.09	-0.07	-0.06
Price/Tangible Book Value	49.39	-10.89	7.24	-1.31	119.05
Price/Tangible Book Value Average	49.62	-10.66	78.03	-3.05	92.58
Price/Tangible Book Value High	55.42	-10.89	557.65	-6.17	343.71
Price/Tangible Book Value Low	47.99	-10.55	3.02	-1.29	28.17
Price/Sales	5.57	18.84	3.69	1.12	2.42
Price/Sales Average	5.59	18.44	39.8	2.61	1.88
Price/Sales High	6.25	18.84	284.44	5.28	6.98
Price/Sales Low	5.41	18.26	1.54	1.11	0.57
Price/Cash Flow	20.22	7.93	-2.36	-0.35	-3
Price/Cash Flow Average	20.31	7.76	-25.45	-0.82	-2.34
Price/Cash Flow High	22.69	7.93	-181.85	-1.67	-8.67
Price/Cash Flow Low	19.64	7.69	-0.99	-0.35	-0.71
Price/Free Cash Flow Average	19.46	7.67	-25.52	-0.83	-2.35
Price/Free Cash Flow High	21.74	7.83	-182.37	-1.68	-8.74
Price/Free Cash Flow Low	18.82	7.59	-0.99	-0.35	-0.72
EV/Sales Average	7.02	21.51	41.45	7.24	4.37
EV/Sales High	7.67	21.91	286.09	9.91	9.47
EV/Sales Low	6.83	21.33	3.19	5.74	3.06
EV/EBITDA Average	-73.34	-15.57	-17.79	-5.62	-6.68
EV/EBITDA High	-80.18	-15.86	-122.76	-7.69	-14.48
EV/EBITDA Low	-71.42	-15.44	-1.37	-4.46	-4.68
EV/EBIT Average	-60.26	-14.27	-15.07	-4.63	-6.05
EV/EBIT High	-65.88	-14.54	-104.01	-6.33	-13.11
EV/EBIT Low	-58.69	-14.16	-1.16	-3.67	-4.24
Last Price	495	504.5	40.83	8.92	32.58
High Price	555.5	504.5	3,145.5	41.91	94.06
Enterprise Value Average	9,202	8,499	4,233	870	905
Enterprise Value High	10,060	8,657	29,213	1,190	1,960
Enterprise Value Low	8,961	8,428	326	690	634

	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Shares Outstanding	15	15	15	15	16
Diluted Weighted Avg Shares	15	15	9	15	15
Basic Weighted Avg Shares	15	15	9	15	15
Revenue per Share	88.91	26.78	11.06	7.94	13.47
EBITDA per Share	-8.51	-37.01	-25.77	-10.24	-8.82
Operating Income per Share	-10.35	-40.36	-30.42	-12.44	-9.73
Basic EPS, GAAP	-20.41	-59.46	-58.09	-13.65	-10.8
Basic EPS from Cont Ops	-20.41	-59.46	-58.09	-13.65	-10.8
Diluted EPS, GAAP	-20.41	-59.46	-58.09	-13.65	-10.8
Diluted EPS from Cont Ops	-20.41	-59.46	-58.09	-13.65	-10.8
Dividend per Share	- -	- -	- -	- -	- -
Cash Flow per Share	24.49	63.6	-17.3	-25.14	-10.85
Free Cash Flow per Basic Share	23.42	62.81	-17.35	-25.37	-10.92
Cash & Equivalents per Share	63.61	21.55	57.31	17.53	13.25
Book Value per Share	-19.84	-79.15	-184.55	-126.42	-135.19
Tangible Book Value per Share	10.02	-46.34	5.64	-6.8	0.27

Better Home & Finance Holding Company

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)