Better Home & Finance Holding Company (BETR) Financial Ratios
11 years of historical data (2015–2025) · Financial Services · Financial - Mortgages
EV/EBITDA
N/A
—
5yr avg: N/A
P/FCF
↓
N/A
—
5yr avg: 830.02
P/B Ratio
↓
12.59
↓-95% vs avg
5yr avg: 235.28
30Y Low13.4·High153.8
ROE
↓
-446.1%
-14% vs avg
5yr avg: -390.1%
30Y Low-446%·High81%
Debt/EBITDA
N/A
—
5yr avg: N/A
30Y Low0.1·High0.4
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
BETR Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
Better Home & Finance Holding Company currently has a negative P/E ratio, indicating the company is operating at a loss on a trailing-twelve-month basis.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|
| Market Cap | $469M | $500M | $135M | $18.9B | $372.1B | $365.1B | — | — |
| Enterprise Value | $967M | $998M | $692M | $19.0B | $372.9B | $366.5B | — | — |
| P/E Ratio → | -2.82 | — | — | — | — | — | — | — |
| P/S Ratio | 2.45 | 2.61 | 1.12 | 213.00 | 941.86 | 278.37 | — | — |
| P/B Ratio | 12.59 | 13.44 | — | 153.76 | — | 538.65 | — | — |
| P/FCF | — | — | — | — | 412.11 | 1247.94 | — | — |
| P/OCF | — | — | — | — | 396.61 | 1010.77 | — | — |
P/E links to full P/E history page with 30-year chart
BETR EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 5.22 | 5.76 | 214.90 | 943.83 | 279.46 | — | — |
| EV / EBITDA | — | — | — | — | — | — | — | — |
| EV / EBIT | — | — | — | — | — | — | — | — |
| EV / FCF | — | — | — | — | 412.97 | 1252.82 | — | — |
BETR Profitability
Margins and return-on-capital ratios measuring operating efficiency
Better Home & Finance Holding Company earns an operating margin of -64.3%, below the Financial Services sector average of 21.6%. Operating margins have expanded from -329.1% to -64.3% over the past 3 years, signaling improving operational efficiency. A negative ROE of -446.1% indicates the company is currently destroying shareholder equity.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|
| Gross Margin | 77.7% | 77.7% | -35.4% | -69.3% | -75.6% | 26.1% | 48.0% | 56.0% |
| Operating Margin | -64.3% | -64.3% | -156.6% | -329.1% | -217.4% | -18.3% | 22.3% | 19.9% |
| Net Profit Margin | -86.7% | -86.7% | -171.8% | -606.1% | -222.0% | -23.0% | 10.1% | 5.4% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|
| ROE | -446.1% | -446.1% | -640.4% | -437.5% | -344.0% | -82.6% | 81.3% | 64.1% |
| ROA | -13.7% | -13.7% | -22.7% | -53.9% | -40.0% | -14.6% | 4.6% | 2.7% |
| ROIC | -13.5% | -13.5% | -18.7% | -25.4% | -32.4% | -11.6% | 99.1% | 86.0% |
| ROCE | -15.7% | -15.7% | -32.0% | -38.4% | -96.6% | -27.6% | 11.2% | 12.2% |
BETR Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
Net debt stands at $499M ($615M total debt minus $117M cash).
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 16.55 | 16.55 | — | 5.48 | — | 3.49 | 0.15 | 1.07 |
| Debt / EBITDA | — | — | — | — | — | — | 0.11 | 0.39 |
| Net Debt / Equity | — | 13.41 | — | 1.37 | — | 2.11 | -0.05 | -0.15 |
| Net Debt / EBITDA | — | — | — | — | — | — | -0.04 | -0.05 |
| Debt / FCF | — | — | — | — | 0.86 | 4.89 | — | -0.05 |
| Interest Coverage | -2.87 | -2.87 | — | -15.91 | -1.89 | -2.01 | 2.86 | 2.95 |
BETR Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
The current ratio of 0.58x is below 1.0, meaning current liabilities exceed current assets. The current ratio has declined from 3.80x to 0.58x over the past 3 years.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|
| Current Ratio | 0.58 | 0.58 | 1.98 | 3.80 | 2.62 | 1.32 | 1.32 | 0.65 |
| Quick Ratio | 0.58 | 0.58 | 1.98 | 3.80 | 2.62 | 1.32 | 1.32 | 0.65 |
| Cash Ratio | 0.28 | 0.28 | 0.48 | 2.42 | 1.20 | 0.40 | 0.17 | 0.32 |
| Asset Turnover | — | 0.13 | 0.13 | 0.10 | 0.36 | 0.40 | 0.32 | 0.51 |
| Inventory Turnover | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — |
BETR Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Better Home & Finance Holding Company does not currently pay a dividend and has no material buyback yield, reinvesting earnings back into the business.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|
| Dividend Yield | — | — | — | — | — | — | — | — |
| Payout Ratio | — | — | — | — | — | — | — | — |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|
| Earnings Yield | — | — | — | — | — | — | — | — |
| FCF Yield | — | — | — | — | 0.2% | 0.1% | — | — |
| Buyback Yield | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | — | — |
| Total Shareholder Yield | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | — | — |
| Shares Outstanding | — | $15M | $15M | $462M | $738M | $738M | $72M | $75M |
Peer Comparison
Compare BETR with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 BETRYou | $469M | -2.8 | — | — | 77.7% | -64.3% | -446.1% | -13.5% | — |
 UWMC | $526M | 28.2 | 7.7 | — | 85.6% | 58.0% | 1.5% | 8.9% | 7.7 |
 GHLD | $439M | 12.8 | 21.4 | — | 90.6% | 10.1% | 8.0% | 2.4% | 19.4 |
 PFSI | $5B | 9.5 | 18.1 | — | 91.4% | 34.6% | 12.3% | 4.4% | 15.3 |
 RKT | $40B | -282.6 | 41.8 | — | 91.6% | 8.7% | -0.4% | 2.0% | — |
 LMND | $4B | -23.7 | — | — | 40.3% | -21.8% | -29.4% | -36.8% | — |
 LDI | $472M | -4.7 | 22.5 | — | 88.3% | 13.2% | -14.0% | 2.7% | 22.0 |
 TREE | $552M | 3.7 | 8.7 | 9.1 | 94.3% | 7.3% | 76.5% | 9.0% | 4.2 |
 ICE | $88B | 27.1 | 16.7 | 20.6 | 61.9% | 38.7% | 11.7% | 7.5% | 3.1 |
 FAF | $7B | 11.6 | 7.3 | 9.4 | 95.6% | 11.1% | 11.9% | 10.7% | 1.8 |
 ITIC | $456M | 13.0 | 9.0 | 18.0 | 98.3% | 16.3% | 13.5% | 13.7% | 0.2 |
| Financial Services Median | — | 13.1 | 11.5 | 10.6 | 63.6% | 21.6% | 9.4% | 5.7% | 4.1 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
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Quick answers to the most common questions about buying BETR stock.
What is Better Home & Finance Holding Company's P/E ratio?
Better Home & Finance Holding Company's current P/E ratio is -2.8x. This places it at the 50th percentile of its historical range.
What is Better Home & Finance Holding Company's ROE?
Better Home & Finance Holding Company's return on equity (ROE) is -446.1%. The historical average is -194.1%.
Is BETR stock overvalued?
Based on historical data, Better Home & Finance Holding Company is trading at a P/E of -2.8x. This is at the 50th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What are Better Home & Finance Holding Company's profit margins?
Better Home & Finance Holding Company has 77.7% gross margin and -64.3% operating margin.