Better Home & Finance Holding Company

BETRW

BETRWBetter Home & Finance Holding Company US flag

NASDAQ Capital Market

0.11

USD

+0.02

- -

224.24MMarket Cap

Profitability (USD)

Profitability Ratios API ChatGPT

	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

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)

Credit Ratios API ChatGPT

	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

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	7.28	-55.77	13.54	-6.37	2.47
Long-Term Debt/Equity (%)	103.48	- -	445.23	- -	547.11
Long-Term Debt/Capital (%)	22.99	102.57	68.69	73.81	31.18
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 (%)	77.78	118.09	84.57	108.2	94.3
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 (%)	64.38	118.09	47.16	110.85	92.43
EBITDA	-125	-546	-238	-155	-135
EBITDA-CapEx	-141	-558	-238	-158	-137
Operating Income (Loss)	-153	-595	-281	-188	-149

Liquidity (USD)

Liquidity Ratios API ChatGPT

	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

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	7.28	-55.77	13.54	-6.37	2.47
Long-Term Debt/Equity (%)	103.48	- -	445.23	- -	547.11
Long-Term Debt/Capital (%)	22.99	102.57	68.69	73.81	31.18
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 (%)	77.78	118.09	84.57	108.2	94.3
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	0.58	-2.68	-3	-3.07	-2

Working Capital (USD)

Working Capital Ratios API ChatGPT

	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

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)

Enterprise Value API ChatGPT

	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	- -	- -	2	2	2
- 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	1,866	1,214	145	505	414
Total Capital	3,044	928	795	710	652
Total Debt/Capital (%)	77.78	118.09	84.57	108.2	94.3
Total Debt / EV	1.27	0.9	4.63	1.52	1.49
EV/Sales	1.42	3.07	1.42	4.21	2
EV/EBITDA	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	4.04	0.98	- -	- -	- -
EV/Free Cash Flow to Firm	3.91	0.97	- -	- -	- -
Diluted Market Cap	- -	- -	- -	- -	- -
Diluted Enterprise Value	1,866	1,214	168	557	515
EV per Share	126.49	82.31	9.66	33.28	25.86
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)

Valuation Multiples API ChatGPT

	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -
Enterprise Value	1,866	1,214	145	505	414
Low Price	- -	- -	0.03	0.03	0.04
EV/Sales	1.42	3.07	1.42	4.21	2
EV/EBITDA	- -	- -	- -	- -	- -
Price/Earnings	- -	- -	- -	- -	- -
Price/Earnings Average	- -	- -	- -	- -	- -
Price/Earnings High	- -	- -	- -	- -	- -
Price/Earnings Low	- -	- -	- -	- -	- -
Price/Book Value	- -	- -	0.02	-0.03	0.05
Price/Book Value Average	- -	- -	0.02	-0.03	0.12
Price/Book Value High	- -	- -	0.05	-0.05	0.66
Price/Book Value Low	- -	- -	- -	-0.01	0.02
Price/Tangible Book Value	- -	- -	0.05	-0.02	0.42
Price/Tangible Book Value Average	- -	- -	0.04	-0.02	1.02
Price/Tangible Book Value High	- -	- -	0.13	-0.03	5.86
Price/Tangible Book Value Low	- -	- -	0.01	- -	0.15
Price/Sales	- -	- -	- -	- -	- -
Price/Sales Average	- -	- -	- -	- -	- -
Price/Sales High	- -	- -	- -	- -	- -
Price/Sales Low	- -	- -	- -	- -	- -
Price/Cash Flow	- -	- -	- -	- -	- -
Price/Cash Flow Average	- -	- -	- -	- -	- -
Price/Cash Flow High	- -	- -	- -	- -	- -
Price/Cash Flow Low	- -	- -	- -	- -	- -
Price/Free Cash Flow Average	- -	- -	- -	- -	- -
Price/Free Cash Flow High	- -	- -	- -	- -	- -
Price/Free Cash Flow Low	- -	- -	- -	- -	- -
EV/Sales Average	1.42	3.07	1.67	4.65	2.51
EV/Sales High	1.42	3.07	1.71	4.66	2.61
EV/Sales Low	1.42	3.07	1.66	4.64	2.49
EV/EBITDA Average	-14.87	-2.22	-0.72	-3.61	-3.84
EV/EBITDA High	-14.87	-2.22	-0.74	-3.61	-3.99
EV/EBITDA Low	-14.87	-2.22	-0.71	-3.6	-3.81
EV/EBIT Average	-12.22	-2.04	-0.61	-2.97	-3.48
EV/EBIT High	-12.22	-2.04	-0.62	-2.98	-3.61
EV/EBIT Low	-12.22	-2.04	-0.6	-2.96	-3.45
Last Price	- -	- -	0.16	0.12	0.11
High Price	- -	- -	0.44	0.18	1.54
Enterprise Value Average	1,866	1,214	170	558	520
Enterprise Value High	1,866	1,214	175	560	540
Enterprise Value Low	1,866	1,214	169	557	516

Profitability (USD)

Profitability Ratios API ChatGPT

	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

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)

Credit Ratios API ChatGPT

	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

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	7.28	-55.77	13.54	-6.37	2.47
Long-Term Debt/Equity (%)	103.48	- -	445.23	- -	547.11
Long-Term Debt/Capital (%)	22.99	102.57	68.69	73.81	31.18
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 (%)	77.78	118.09	84.57	108.2	94.3
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 (%)	64.38	118.09	47.16	110.85	92.43
EBITDA	-125	-546	-238	-155	-135
EBITDA-CapEx	-141	-558	-238	-158	-137
Operating Income (Loss)	-153	-595	-281	-188	-149

Liquidity (USD)

Liquidity Ratios API ChatGPT

	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

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	7.28	-55.77	13.54	-6.37	2.47
Long-Term Debt/Equity (%)	103.48	- -	445.23	- -	547.11
Long-Term Debt/Capital (%)	22.99	102.57	68.69	73.81	31.18
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 (%)	77.78	118.09	84.57	108.2	94.3
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	0.58	-2.68	-3	-3.07	-2

Working Capital (USD)

Working Capital Ratios API ChatGPT

	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

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)

Enterprise Value API ChatGPT

	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	- -	- -	2	2	2
- 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	1,866	1,214	145	505	414
Total Capital	3,044	928	795	710	652
Total Debt/Capital (%)	77.78	118.09	84.57	108.2	94.3
Total Debt / EV	1.27	0.9	4.63	1.52	1.49
EV/Sales	1.42	3.07	1.42	4.21	2
EV/EBITDA	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	4.04	0.98	- -	- -	- -
EV/Free Cash Flow to Firm	3.91	0.97	- -	- -	- -
Diluted Market Cap	- -	- -	- -	- -	- -
Diluted Enterprise Value	1,866	1,214	168	557	515
EV per Share	126.49	82.31	9.66	33.28	25.86
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)

Valuation Multiples API ChatGPT

	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -
Enterprise Value	1,866	1,214	145	505	414
Low Price	- -	- -	0.03	0.03	0.04
EV/Sales	1.42	3.07	1.42	4.21	2
EV/EBITDA	- -	- -	- -	- -	- -
Price/Earnings	- -	- -	- -	- -	- -
Price/Earnings Average	- -	- -	- -	- -	- -
Price/Earnings High	- -	- -	- -	- -	- -
Price/Earnings Low	- -	- -	- -	- -	- -
Price/Book Value	- -	- -	0.02	-0.03	0.05
Price/Book Value Average	- -	- -	0.02	-0.03	0.12
Price/Book Value High	- -	- -	0.05	-0.05	0.66
Price/Book Value Low	- -	- -	- -	-0.01	0.02
Price/Tangible Book Value	- -	- -	0.05	-0.02	0.42
Price/Tangible Book Value Average	- -	- -	0.04	-0.02	1.02
Price/Tangible Book Value High	- -	- -	0.13	-0.03	5.86
Price/Tangible Book Value Low	- -	- -	0.01	- -	0.15
Price/Sales	- -	- -	- -	- -	- -
Price/Sales Average	- -	- -	- -	- -	- -
Price/Sales High	- -	- -	- -	- -	- -
Price/Sales Low	- -	- -	- -	- -	- -
Price/Cash Flow	- -	- -	- -	- -	- -
Price/Cash Flow Average	- -	- -	- -	- -	- -
Price/Cash Flow High	- -	- -	- -	- -	- -
Price/Cash Flow Low	- -	- -	- -	- -	- -
Price/Free Cash Flow Average	- -	- -	- -	- -	- -
Price/Free Cash Flow High	- -	- -	- -	- -	- -
Price/Free Cash Flow Low	- -	- -	- -	- -	- -
EV/Sales Average	1.42	3.07	1.67	4.65	2.51
EV/Sales High	1.42	3.07	1.71	4.66	2.61
EV/Sales Low	1.42	3.07	1.66	4.64	2.49
EV/EBITDA Average	-14.87	-2.22	-0.72	-3.61	-3.84
EV/EBITDA High	-14.87	-2.22	-0.74	-3.61	-3.99
EV/EBITDA Low	-14.87	-2.22	-0.71	-3.6	-3.81
EV/EBIT Average	-12.22	-2.04	-0.61	-2.97	-3.48
EV/EBIT High	-12.22	-2.04	-0.62	-2.98	-3.61
EV/EBIT Low	-12.22	-2.04	-0.6	-2.96	-3.45
Last Price	- -	- -	0.16	0.12	0.11
High Price	- -	- -	0.44	0.18	1.54
Enterprise Value Average	1,866	1,214	170	558	520
Enterprise Value High	1,866	1,214	175	560	540
Enterprise Value Low	1,866	1,214	169	557	516

Shares Outstanding	15	15	15	15	16
Diluted Weighted Avg Shares	- -	- -	- -	- -	- -
Basic Weighted Avg Shares	- -	- -	- -	- -	- -
Revenue per Share	- -	- -	- -	- -	- -
EBITDA per Share	- -	- -	- -	- -	- -
Operating Income per Share	- -	- -	- -	- -	- -
Basic EPS, GAAP	- -	- -	- -	- -	- -
Basic EPS from Cont Ops	- -	- -	- -	- -	- -
Diluted EPS, GAAP	- -	- -	- -	- -	- -
Diluted EPS from Cont Ops	- -	- -	- -	- -	- -
Dividend per Share	- -	- -	- -	- -	- -
Cash Flow per Share	- -	- -	- -	- -	- -
Free Cash Flow per Basic Share	- -	- -	- -	- -	- -
Cash & Equivalents per Share	63.61	21.55	35.2	17.46	12.72
Book Value per Share	16.28	-40.96	8.15	-3.83	2.32
Tangible Book Value per Share	10.02	-46.34	3.46	-6.77	0.26

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)