Better Home & Finance Holding Company

15.08

EUR

+1.42

(+10.40%)

-8.44EPS

319.44MMarket Cap

Nov 18Next Earn

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 (%)	-16.2	-204.89	-243.25	-128.93	-65.45
Operating Margin (%)	-11.64	-150.7	-275.05	-156.61	-72.25
Incremental Operating Margin (%)	- -	48.3	- -	517.56	44.38
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	-11.15	-1.35	-2.71	-4.96	-4.54
Net Debt/EBITDA	-6.38	-0.89	-0.55	-3.57	-3.77
Total Debt/EBIT	-9.88	-1.28	-2.31	-4.08	-4.12
Net Debt/EBIT	-5.66	-0.84	-0.47	-2.94	-3.42
EBITDA to Interest Expense	-2.1	-2.67	-7.86	- -	- -
EBITDA-CapEx/Interest Expense	-2.26	-2.71	-7.88	- -	- -
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	-212	-809	-248	-155	-135
EBITDA-CapEx	-228	-821	-249	-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	- -	- -	- -	- -	-1.78

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	- -	- -
Accounts Payable Turnover Days	- -	56.75	122.67	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -
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	- -	- -	- -	- -	541
- 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	- -	- -	- -	- -	953
Total Capital	3,044	928	795	710	652
Total Debt/Capital (%)	77.78	118.09	84.57	108.2	94.3
Total Debt / EV	- -	- -	- -	- -	0.65
EV/Sales	- -	- -	- -	- -	4.61
EV/EBITDA	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	- -
EV/Free Cash Flow to Firm	- -	- -	- -	- -	- -
Diluted Market Cap	- -	- -	- -	- -	520
Diluted Enterprise Value	- -	- -	- -	- -	932
EV per Share	- -	- -	- -	- -	59.58
TTM Sales	1,312	395	102	120	207
TTM EBITDA	-212	-809	-248	-155	-135
TTM Operating Income	-153	-595	-281	-188	-149
TTM Cash Flow to Firm	- -	- -	- -	- -	- -
TTM Free Cash Flow to Firm	- -	- -	- -	- -	- -

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	- -	- -	- -	- -	-3.1
EV/EBIT	- -	- -	- -	- -	- -
Enterprise Value	- -	- -	- -	- -	953
Low Price	- -	- -	- -	- -	32.94
EV/Sales	- -	- -	- -	- -	4.61
EV/EBITDA	- -	- -	- -	- -	- -
Price/Earnings	- -	- -	- -	- -	- -
Price/Earnings Average	- -	- -	- -	- -	- -
Price/Earnings High	- -	- -	- -	- -	- -
Price/Earnings Low	- -	- -	- -	- -	- -
Price/Book Value	- -	- -	- -	- -	14.56
Price/Book Value Average	- -	- -	- -	- -	23.76
Price/Book Value High	- -	- -	- -	- -	39.03
Price/Book Value Low	- -	- -	- -	- -	14.17
Price/Tangible Book Value	- -	- -	- -	- -	128.79
Price/Tangible Book Value Average	- -	- -	- -	- -	210.24
Price/Tangible Book Value High	- -	- -	- -	- -	345.32
Price/Tangible Book Value Low	- -	- -	- -	- -	125.36
Price/Sales	- -	- -	- -	- -	2.51
Price/Sales Average	- -	- -	- -	- -	4.1
Price/Sales High	- -	- -	- -	- -	6.74
Price/Sales Low	- -	- -	- -	- -	2.45
Price/Cash Flow	- -	- -	- -	- -	-3.12
Price/Cash Flow Average	- -	- -	- -	- -	-5.09
Price/Cash Flow High	- -	- -	- -	- -	-8.37
Price/Cash Flow Low	- -	- -	- -	- -	-3.04
Price/Free Cash Flow Average	- -	- -	- -	- -	-5.06
Price/Free Cash Flow High	- -	- -	- -	- -	-8.31
Price/Free Cash Flow Low	- -	- -	- -	- -	-3.02
EV/Sales Average	- -	- -	- -	- -	6.26
EV/Sales High	- -	- -	- -	- -	9.01
EV/Sales Low	- -	- -	- -	- -	4.54
EV/EBITDA Average	- -	- -	- -	- -	- -
EV/EBITDA High	- -	- -	- -	- -	- -
EV/EBITDA Low	- -	- -	- -	- -	- -
EV/EBIT Average	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -
Last Price	- -	- -	- -	- -	33.84
High Price	- -	- -	- -	- -	90.73
Enterprise Value Average	- -	- -	- -	- -	1,295
Enterprise Value High	- -	- -	- -	- -	1,863
Enterprise Value Low	- -	- -	- -	- -	939

Per Share Data Items (USD)

Per-Share Data 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

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	-14.4	-54.87	-26.9	-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	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

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 (%)	-16.2	-204.89	-243.25	-128.93	-65.45
Operating Margin (%)	-11.64	-150.7	-275.05	-156.61	-72.25
Incremental Operating Margin (%)	- -	48.3	- -	517.56	44.38
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	-11.15	-1.35	-2.71	-4.96	-4.54
Net Debt/EBITDA	-6.38	-0.89	-0.55	-3.57	-3.77
Total Debt/EBIT	-9.88	-1.28	-2.31	-4.08	-4.12
Net Debt/EBIT	-5.66	-0.84	-0.47	-2.94	-3.42
EBITDA to Interest Expense	-2.1	-2.67	-7.86	- -	- -
EBITDA-CapEx/Interest Expense	-2.26	-2.71	-7.88	- -	- -
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	-212	-809	-248	-155	-135
EBITDA-CapEx	-228	-821	-249	-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	- -	- -	- -	- -	-1.78

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	- -	- -
Accounts Payable Turnover Days	- -	56.75	122.67	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -
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	- -	- -	- -	- -	541
- 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	- -	- -	- -	- -	953
Total Capital	3,044	928	795	710	652
Total Debt/Capital (%)	77.78	118.09	84.57	108.2	94.3
Total Debt / EV	- -	- -	- -	- -	0.65
EV/Sales	- -	- -	- -	- -	4.61
EV/EBITDA	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	- -
EV/Free Cash Flow to Firm	- -	- -	- -	- -	- -
Diluted Market Cap	- -	- -	- -	- -	520
Diluted Enterprise Value	- -	- -	- -	- -	932
EV per Share	- -	- -	- -	- -	59.58
TTM Sales	1,312	395	102	120	207
TTM EBITDA	-212	-809	-248	-155	-135
TTM Operating Income	-153	-595	-281	-188	-149
TTM Cash Flow to Firm	- -	- -	- -	- -	- -
TTM Free Cash Flow to Firm	- -	- -	- -	- -	- -

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	- -	- -	- -	- -	-3.1
EV/EBIT	- -	- -	- -	- -	- -
Enterprise Value	- -	- -	- -	- -	953
Low Price	- -	- -	- -	- -	32.94
EV/Sales	- -	- -	- -	- -	4.61
EV/EBITDA	- -	- -	- -	- -	- -
Price/Earnings	- -	- -	- -	- -	- -
Price/Earnings Average	- -	- -	- -	- -	- -
Price/Earnings High	- -	- -	- -	- -	- -
Price/Earnings Low	- -	- -	- -	- -	- -
Price/Book Value	- -	- -	- -	- -	14.56
Price/Book Value Average	- -	- -	- -	- -	23.76
Price/Book Value High	- -	- -	- -	- -	39.03
Price/Book Value Low	- -	- -	- -	- -	14.17
Price/Tangible Book Value	- -	- -	- -	- -	128.79
Price/Tangible Book Value Average	- -	- -	- -	- -	210.24
Price/Tangible Book Value High	- -	- -	- -	- -	345.32
Price/Tangible Book Value Low	- -	- -	- -	- -	125.36
Price/Sales	- -	- -	- -	- -	2.51
Price/Sales Average	- -	- -	- -	- -	4.1
Price/Sales High	- -	- -	- -	- -	6.74
Price/Sales Low	- -	- -	- -	- -	2.45
Price/Cash Flow	- -	- -	- -	- -	-3.12
Price/Cash Flow Average	- -	- -	- -	- -	-5.09
Price/Cash Flow High	- -	- -	- -	- -	-8.37
Price/Cash Flow Low	- -	- -	- -	- -	-3.04
Price/Free Cash Flow Average	- -	- -	- -	- -	-5.06
Price/Free Cash Flow High	- -	- -	- -	- -	-8.31
Price/Free Cash Flow Low	- -	- -	- -	- -	-3.02
EV/Sales Average	- -	- -	- -	- -	6.26
EV/Sales High	- -	- -	- -	- -	9.01
EV/Sales Low	- -	- -	- -	- -	4.54
EV/EBITDA Average	- -	- -	- -	- -	- -
EV/EBITDA High	- -	- -	- -	- -	- -
EV/EBITDA Low	- -	- -	- -	- -	- -
EV/EBIT Average	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -
Last Price	- -	- -	- -	- -	33.84
High Price	- -	- -	- -	- -	90.73
Enterprise Value Average	- -	- -	- -	- -	1,295
Enterprise Value High	- -	- -	- -	- -	1,863
Enterprise Value Low	- -	- -	- -	- -	939

Per Share Data Items (USD)

Per-Share Data 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

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	-14.4	-54.87	-26.9	-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	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