BETTER HOME FINANCE HOLDING CLASS (BETR)
Financials · Mortgage finance and fintech platforms · NASDAQ
An AI-native mortgage origination and homeownership platform seeking to modernize the home finance industry through its proprietary Tinman technology.
What BETTER HOME FINANCE HOLDING CLASS does
Better Home & Finance is a technology-enabled mortgage and homeownership platform that utilizes proprietary AI technology to automate loan origination and servicing. The company operates a digital-first marketplace for home finance products—including mortgages and home equity loans—and provides its Tinman AI platform to third-party strategic partners to facilitate their own lending operations.
Recent developments
The company reported preliminary Q3 2026 total loan volume of $1.39 billion, an increase of 15% year-over-year, and launched a 'Better 2.0' cost-reduction program targeting $64.2 million in annualized expense savings. Founder Vishal Garg has returned to a leadership role as Head of Product, Platform & Innovation, and the company is actively seeking a new permanent CEO following a recent leadership transition.
From BETTER HOME FINANCE HOLDING CLASS's filing of 2026-10-13.
Themes: AI infrastructure, mortgage lending, fintech, homeownership services, automation/digitization of finance
Fundamentals
- Price$11.97 as of 2026-10-20 close
- Market cap$227M as of 2026-07-31 (share count; price 2026-10-20)
- 1-year return-85.3% 2025-10-20 close $81.39 → 2026-10-20 close $11.97
- P/En/a negative earnings
- Net margin-100.6% FY2025, SEC XBRL
- ROE-446.1% FY2025, SEC XBRL
- ROICn/a No figure: it is a bank or insurer, whose operating income and debt are not what ROIC divides.
- Debt / equityn/a No figure: its filing reports debt under a line we do not read, so a total would be understated.
- Revenue growth (YoY)+52.0% FY2025, SEC XBRL
- Revenue CAGR (3y)+137.5% SEC XBRL
- Beta1.67 as of 2026-09-03
- Last reported earnings2026-10-14 SEC EDGAR Form 8-K (Item 2.02)
How BETR compares in its sector
- net profit marginbottom 10% 343 covered Financials peers, as of 2026-09-03
- return on equitybottom 10% 558 covered Financials peers, as of 2026-09-03
- 3-year revenue CAGRtop 10% 347 covered Financials peers
- free cash flow (absolute dollars, latest fiscal year)bottom 10% 430 covered Financials peers, as of FY2025
Position among covered Financials companies that report each metric (minimum 5 peers). A relative position within our covered catalog — not a valuation, quality, or investment judgment. A higher percentile is simply a higher value (for P/E, more expensive on earnings — never "better"). Informational only.
Quarterly results
| Quarter | Net income | Diluted EPS | Operating cash flow | Capex |
|---|---|---|---|---|
| Q2 FY2026 2026-06-30 | -$31M | -$1.64 | $23M† | $92000† |
| Q1 FY2026 2026-03-31 | -$70M | -$4.29 | -$125M | $378000 |
| Q4 FY2025 2025-12-31 | -$40M† | -$2.53† | -$57M† | $344000† |
| Q3 FY2025 2025-09-30 | -$39M | -$2.56 | $4M† | $240000† |
| Q2 FY2025 2025-06-30 | -$36M | -$2.39 | -$56M† | $407000† |
| Q1 FY2025 2025-03-31 | -$51M | -$3.33 | -$57M | $202000 |
| Q4 FY2024 2024-12-31 | -$59M† | -$3.91† | -$106M† | $471000† |
| Q3 FY2024 2024-09-30 | -$54M | -$3.58 | -$11M† | $1M† |
† Not filed as a discrete quarter: derived from the company's own year-to-date figures (for example the fourth quarter as the fiscal year minus the first nine months). A derived per-share figure is approximate, because the share count moves within the year.
Balance sheet at 2026-06-30
- Cash and equivalents$102M
- Total debtnot shown the filing reports its long-term debt in a form we do not read yet
From the company's own SEC 10-Q and 10-K filings (XBRL), re-read every week. Figures in US dollars as filed; informational only — not financial advice.
How BETTER HOME FINANCE HOLDING CLASS looks technically
BETTER HOME FINANCE HOLDING CLASS (BETR) is trading 54.4% below its 200-day average, the long-term trend line — a long-term downtrend. Its 50-day average crossed below its 200-day average about 154 trading days ago — a "death cross", a bearish long-term signal. There is no clear trend right now — the price is choppy (ADX, a 0–100 trend-strength gauge, is 13, below the 25 that marks a real trend). Momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 54, neither overbought (above 70) nor oversold (below 30). MACD, a trend-momentum gauge, turned bullish about 4 trading days ago (its momentum flipped positive). It made a new 20-day low about 5 trading days ago. It is 87.1% below its highest point of the past year. Trading volume is running unusually high — about 2.4× its 30-day average, a sign of heightened interest.
Trend
7
| Distance from the 200-day | it is trading 54.4% below its 200-day average, the long-term trend line — a long-term downtrend | -54.4% |
|---|---|---|
| 50-day moving average | its average price over the last 50 trading days — a short-term trend line — is $12.09 | $12.09 |
| 200-day moving average | its average price over the last 200 trading days — the long-term trend line — is $26.25 | $26.25 |
| Swing structure | its recent peaks and dips disagree — one of them is rising while the other is not, so there is no clean up or down pattern in the swings | mixed — one of the two is not confirming |
| Last swing turn | its last significant turn was a swing high 18 calendar days ago — the swings before that are what the structure reading is measured on | 18 sessions |
| Since the 50/200 cross | its 50-day average crossed below its 200-day average about 154 trading days ago — a "death cross", a bearish long-term signal | 154 sessions |
| Trend strength (14-day ADX) | there is no clear trend right now — the price is choppy (ADX, a 0–100 trend-strength gauge, is 13, below the 25 that marks a real trend) | 13.0 |
Momentum
3
| 14-day RSI | momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 54, neither overbought (above 70) nor oversold (below 30) | 54.0 |
|---|---|---|
| Position in its 14-day range | it is trading in the upper half of its 14-day range ($7.51 to $13.20) — its "stochastic" reading is 78 out of 100, where 0 would mean closing exactly at the 14-session low and 100 exactly at the high. This measures WHERE the price sits inside its recent range, which is a different question from the RSI beside it: RSI is a momentum gauge, measuring how FAST the price has been moving, so a stock can drift quietly to the bottom of its range with an ordinary RSI, or fall sharply and still sit in the middle. It has been climbing within that range over the last few sessions. | 78.3 |
| Since the MACD crossed zero | MACD, a trend-momentum gauge, turned bullish about 4 trading days ago (its momentum flipped positive) | 4 sessions |
Range
12
| 52-week high | its highest closing price over the past year (about 252 trading days) was $92.69 | $92.69 |
|---|---|---|
| From the 52-week high | it is 87.1% below its 52-week high (its highest price of the past year) | -87.1% |
| Above the 52-week low | it is 59.3% above its 52-week low (its lowest price of the past year) | +59.3% |
| Below the 52-week high | it is 87.1% below its highest point of the past year | 87.1% |
| Since a 20-day breakout | it made a new 20-day low about 5 trading days ago | 5 sessions |
| Since a 55-day breakout | it made a new 55-day low about 5 trading days ago | 5 sessions |
| All-time high | its highest closing price on record is $94.06 (set on 2025-09-22) | $94.06 |
| Given back of the 52-week move | over the past year its closes ranged ($8.12 to $86.07), and it has recovered only a small part of its fall from last year’s high — 5% of it. Chart-watchers call 61.8%-65% given back the "golden pocket" — for this company that is $56.29 to $58.79. It is watched widely enough that orders cluster there, which is the honest reason it matters; it is not a forecast. | 4.9% |
| From the all-time high | it is 87.3% below its all-time high | -87.3% |
| Nearest price level | it is trading 0.5% above a support level at $11.90 — a price it turned at four times since 2024-11-21, most recently on 2026-09-16. Since 2024-10-21 it has 4 such levels below the current price and 11 above. Levels like these describe where the price has reversed or paused before; they are not a forecast of where it will go. | -0.5% |
| All-time low | its lowest closing price on record is $7.51 (set on 2026-10-14) | $7.51 |
| Above the all-time low | it is 59.3% above its all-time low | +59.3% |
Volatility
5
| Band width vs its own 6 months | day-to-day price swings are about average versus its own recent 6-month history | 38th percentile |
|---|---|---|
| Typical daily range | in a typical session it travels about $1.36 between its high and its low — about 11.4% of its price. That is its "average true range" over the last 14 sessions, which also counts the distance from the previous close, so a day that opens well away from yesterday counts as the large move it was | $1.36 |
| Bollinger bands (20-day, ±2σ) | most of its recent trading has stayed between about $8.50 and $12.45 — the "Bollinger bands", a range drawn two standard deviations either side of its 20-day average price, which widens when the stock gets more volatile and narrows when it settles | $8.50 – $10.48 – $12.45 |
| Typical daily range (% of price) | its price moves about 11.4% in a typical session — among the most volatile in the catalog. This is the average gap between a session's high and low over the last 14 sessions, counting overnight moves, expressed against the current price so it can be compared with companies trading at any price | 11.4% |
| Stretch from the 200-day average | it is trading 10.5 daily ranges below its 200-day average price (54.4% below it in plain percentage terms) — a way of asking how far it has stretched from its own average in units of how far it normally moves in a day, so a calm company and a jumpy one can be compared on the same scale | 10.5 daily ranges below its 200-day average |
Volume
1
| Volume vs its 30-day average | trading volume is running unusually high — about 2.4× its 30-day average, a sign of heightened interest | 2.39× |
|---|
Analyst
2
| Change in the average price target | analysts have cut their average price target by 6.1% since the prior reading | -6.1% |
|---|---|---|
| Change in the consensus rating | the analyst consensus rating is unchanged since the prior reading | unchanged |
Candlestick patterns
2
| Since a doji | 5 sessions ago it opened and closed at almost the same price after trading through a wider range — a "doji", the classic picture of buyers and sellers finishing the session level | 5 sessions ago |
|---|---|---|
| Since a bullish engulfing | 3 sessions ago it opened below the previous session's close and finished above that session's open — a "bullish engulfing" pair, where one up day more than undid the down day before it | 3 sessions ago |
Price gaps
3
| Gap at the open | it opened on 2026-10-20 0.2% below the previous session's close — an overnight gap, the part of the move that happened while the market was shut, and traded back through that level before the close | -0.2% |
|---|---|---|
| Open gap | it gapped 2.3% below the previous close 49 sessions ago and has not traded back through the level it left behind at 18.05 — an "unfilled gap", which describes a price range no trade has since crossed and is not a forecast that it will be crossed | -2.3% |
| Gap filled | a 2.3% gap down opened on 2026-10-14 has been "filled" 3 sessions ago — price traded back through the level the gap left behind, and it took 1 session to close | 3 sessions ago |
Price streaks
1
| Closing streak | it has closed higher 2 sessions in a row, a +20.3% move over the run — an unbroken run of up days, which describes what has already happened and says nothing about the next session | 2 sessions up |
|---|
Relative strength
4
| vs market, 1 month | over the past 1 month this stock lagged the market by 1.7 percentage points (the stock lost 0.7% while the market gained 1.0%) | -1.7% |
|---|---|---|
| vs market, 3 months | over the past 3 months this stock lagged the market by 51.6 percentage points (the stock lost 47.9% while the market gained 3.6%) | -51.6% |
| vs market, 6 months | over the past 6 months this stock lagged the market by 83.3 percentage points (the stock lost 74.8% while the market gained 8.5%) | -83.3% |
| vs market, 12 months | over the past 12 months this stock lagged the market by 99.9 percentage points (the stock lost 85.3% while the market gained 14.6%) | -99.8% |
Signal agreement
2
| Bullish technical signals | 1 of the 9 technical signals we can compute for it is currently in a bullish state: MACD momentum is positive — these describe past price behaviour, not a forecast | 1 of 9 |
|---|---|---|
| Bearish technical signals | 4 of the 9 technical signals we can compute for it are currently in a bearish state: a "death cross" — its 50-day average is below its 200-day, trading below its 200-day average, lagging the market over 6 months, trading below the Ichimoku cloud — these describe past price behaviour, not a forecast | 4 of 9 |
Trend (Ichimoku cloud)
1
| Vs the Ichimoku cloud | trading 15% below the Ichimoku cloud — a band drawn from where its own highs and lows sat up to 2026-09-14 and projected forward over today's price, the side traders read as an established downtrend, with the band above acting as the level that would have to be cleared. The band itself is thick, spanning 63.7% of the share price, which is taken to mean a barrier that has held for a while and takes effort to cross. | -14.6% |
|---|
Volume-weighted price
2
| Vs this year’s average price paid | the price is 49% below the average price paid so far this year, so the typical buyer over that stretch is under water. That average is $23.68 — a volume-weighted average of daily closes over 191 sessions, not a true tick-by-tick VWAP. | -49.5% |
|---|---|---|
| Vs the average paid since it last reported | the price is 5% below the average price paid since it last reported on 2026-08-04 (its 8-K), so the typical buyer over that stretch is under water. That average is $12.62 — a volume-weighted average of daily closes over 55 sessions, not a true tick-by-tick VWAP. | -5.2% |
Price levels it has turned at before
BETR last closed at $11.97 on 2026-10-20. Since 2024-10-21 it has turned at 4 prices below its last close and 11 above; the 3 nearest below and the 3 nearest above are listed, nearest first.
| Level | Side | Distance | Evidence |
|---|---|---|---|
| $11.90 | Support | 0.5% below the last close | turned there four times · 2024-11-21 to 2026-09-16 |
| $12.36 | Resistance | 3.3% above the last close | turned there three times · 2025-02-05 to 2025-05-23 |
| $11.57 | Support | 3.3% below the last close | turned there twice · 2025-01-23 to 2025-03-03 |
| $12.57 | Resistance | 5.0% above the last close | turned there twice · 2025-05-08 to 2025-07-31 |
| $13.20 | Resistance | 10.3% above the last close | turned there twice · 2026-09-22 to 2026-10-02 |
| $9.51 | Support | 20.6% below the last close | turned there twice · 2024-12-19 to 2025-04-04 |
A level is a price this company reversed or paused at more than once — they describe past behaviour, not a forecast of where the price will go.
Wave structure
No Elliott-wave labelling currently fits its swings: the recent highs and lows do not satisfy the three rules a five-wave count has to obey, so there is no count to show rather than a count we are unsure about.
Read from daily closes as of 2026-10-20.
An Elliott-wave count describes the swings already printed and the level that would disprove it. It is not a forecast, a target, or advice.
Screens: Trading below the 200-day moving average · Trading below the 50-day moving average · Pulled back from the 12-month high · Unusually heavy trading volume · MACD just crossed bullish (12/26/9) · trendless / choppy (low ADX) | Learn: moving average · golden cross · adx · rsi · macd · breakout · fifty two week high low · volume and relative volume
Based on daily closing prices as of 2026-10-20. Describes past price behavior only — informational, not financial advice.
Analyst consensus
- Consensus ratingStrong Buy (1.38 mean, 1=Strong Buy…5=Strong Sell) — 7 analysts
- Mean price target$22.14 range $15.00 – $35.00; median $20.00
Analyst estimates, as of 2026-10-20. These are third-party analyst opinions and price targets, aggregated — not a recommendation, prediction, or advice from stocks-llm. Informational only.
Analyst EPS estimate for BETR
- Consensus EPS estimate-$1.21 next reporting period, as of 2026-10-20
- Estimate change, 30 days+$0.0225 from -$1.23, on 2026-09-15, 35-day window
- Readings revised upward11% of 9 comparable readings
The consensus estimate for the next reporting period, and how it has moved between readings of that SAME period. A change is measured only between readings estimating one period — when a company reports, the consensus moves to the next quarter and the two numbers are not comparable. Informational only, not a forecast and not advice.
Key risks (from latest filing)
["Significant operating losses and history of unprofitability.","Exposure to interest rate volatility and challenging macroeconomic conditions affecting mortgage demand.","Leadership transition uncertainty and potential non-compliance with board independence requirements."]
What changed in the latest 10-Q
AI-assisted comparison of BETR's 10-Q filed 2026-08-11 against the prior one filed 2026-05-11.
Management's Discussion & Analysis (MD&A)
- Added:
- Newer filing: Business Environment section states that in June 2026, the U.S. Federal Reserve maintained the federal funds target range at approximately 3.50% to 3.75%, continuing its restrictive monetary policy stance as inflation remained above the Federal Reserve's long-term 2% target, despite showing signs of moderation.
- Newer filing: Business Environment section states that mortgage rates remained elevated throughout the quarter, although they exhibited periodic volatility driven by changing inflation expectations, treasury yield movements, and geopolitical developments.
- Newer filing: Business Environment section states that the continuation of conflict in the Middle East, including disruptions affecting the Strait of Hormuz, contributed to volatility in oil prices and financial markets, creating additional uncertainty around the interest rate outlook and mortgage financing conditions.
- Newer filing: Business Environment section states that elevated borrowing costs continued to constrain overall mortgage origination activity, with refinance activity and demand among rate-sensitive consumers particularly affected, as prevailing rate levels limited the incentive to refinance.
- Newer filing: Business Environment section states that ongoing home affordability challenges, resulting from higher home prices and limited housing inventory, represented a further headwind to origination volumes broadly.
- Newer filing: Business Environment section states that despite these pressures, purchase mortgage demand remained comparatively durable, reflecting the extent to which purchase activity is driven by non-discretionary, life-event factors such as relocation, household formation and job changes that occur independent of the rate environment, making it less cyclical than refinance activity.
- Newer filing: Business Environment section states that at the same time, lenders with diversified product offerings, including home equity products, continued to be better positioned to address evolving consumer financing needs and benefit from demand that tends to increase in higher-rate environments.
- Newer filing: Our Business Model revenue table presents figures for the three and six months ended June 30, 2026 and 2025: Gain on loans, net of $51,488 (94%), $36,772 (86%), $96,289 (94%), and $61,348 (83%); Other revenue of $1,094 (2%), $3,090 (7%), $2,236 (2%), and $6,740 (9%); Net interest income of $2,120 (4%), $2,823 (7%), $3,674 (4%), and $5,925 (8%); Total net revenues of $54,702, $42,685, $102,199, and $74,013.
- Newer filing: Home Finance—Gain on loans, net section changes a sentence ending to 'In other arrangements, the partner originates the loan and we provide the technology, underwriting, and fulfillment.' (replacing 'and in other arrangements' with a period and new sentence).
- Newer filing: International Lending Revenue—Other revenue section begins to describe that one of the U.K. sales was completed in Q3 2025 (text truncated in older filing).
- Removed:
- Older filing: Recent Developments section describing the Company's determination to dispose of Birmingham Bank, representing the Company's reportable banking segment, with the sale process underway and expected to conclude during 2026, assets classified as held for sale, results presented as discontinued operations, and notes that tables exclude Birmingham Bank results.
- Reworded:
- Older filing: Business Environment section refers to the first quarter of 2026 and states the federal funds rate target range was approximately 3.50% to 3.75%, whereas newer filing refers to the second quarter of 2026 and June 2026.
- Older filing: Business Environment section states geopolitical uncertainty, including the ongoing conflict in the Middle East, has contributed to volatility in financial markets, impacting U.S. Treasury yields, inflation expectations, and mortgage rate movements; newer filing specifies disruptions affecting the Strait of Hormuz and adds oil prices.
- Older filing: Business Environment section states these factors combined with affordability constraints have created a more challenging operating environment for mortgage originators; newer filing restructures this into multiple sentences covering refinance activity, affordability, purchase demand, and diversified product offerings.
- Older filing: Our Business Model revenue table presents figures for only the three months ended March 31, 2026 and 2025; newer filing presents figures for the three and six months ended June 30, 2026 and 2025.
- Older filing: Home Finance—Gain on loans, net section uses 'and in other arrangements' to connect clauses; newer filing uses a period and starts a new sentence with 'In other arrangements'.
- Older filing: Tinman is written without a registered trademark symbol in two instances in 'Designed to scale' paragraph; newer filing writes 'Tinman®' with a registered trademark symbol.
- Notes:
- The newer filing text is truncated at the end of the International Lending Revenue—Other revenue section, limiting comparison of that section.
- The older filing text appears truncated at the end of the International Lending Revenue—Other revenue section.
- Revenue figures and percentages reflect quarterly reporting period differences (Q1 2026 vs Q2 2026 and corresponding comparative periods) rather than modifications to prior reported values.
- No comparison of text after the truncation points in either filing could be performed.
Risk Factors
- Added:
- Newer filing (2026-08-11) adds risk factor 'Our recent leadership transition may create uncertainty and could adversely affect our business' describing Vishal Garg stepping down as CEO on August 3, 2026 and Daniel Lewis being appointed Interim CEO.
- Newer filing (2026-08-11) adds risk factor 'We are not currently in compliance with Nasdaq's requirement that a majority of our Board of Directors be comprised of independent directors...' describing non-compliance with Nasdaq Listing Rule 5605(b)(1), notification to Nasdaq on August 4, 2026, and potential delisting risk.
- Newer filing (2026-08-11) adds disclosure in Item 5(c) that on May 21, 2026, Vishal Garg terminated the '2025 Garg Trading Arrangement' adopted December 22, 2025, which provided for purchase of up to 200,000 shares of Class A common stock with a plan end date of March 23, 2027.
- Newer filing (2026-08-11) adds disclosure in Item 5(c) that on May 26, 2026, Vishal Garg entered into the '2026 Garg Trading Arrangement' for purchase of up to 200,000 shares of Class A common stock with a plan end date of August 27, 2027.
- Newer filing (2026-08-11) adds Exhibit 10.1: Underwriting Agreement, dated as of April 8, 2026, between Better Home & Finance Holding Company, BTIG, LLC and Cantor Fitzgerald & Co., incorporated by reference to 8-K filed April 9, 2026.
- Newer filing (2026-08-11) Item 1A intro now states risk factors from the Q1 2026 Form 10-Q are incorporated by reference.
- Removed:
- Older filing (2026-05-11) contains risk factor 'Our business is subject to the risks of catastrophic events such as earthquakes, fires, floods and other natural catastrophic events...' which is absent from the newer filing.
- Older filing (2026-05-11) contains risk factor 'We cannot be sure that we will be able to sell Birmingham Bank on terms and conditions that are satisfactory to us or at all' under 'Risks Related to the Planned Divestiture of Birmingham Bank', which is absent from the newer filing.
- Older filing (2026-05-11) contains Item 5(c) statement that during the three months ended March 31, 2026, no director or officer adopted or terminated a Rule 10b5-1 or non-Rule 10b5-1 trading arrangement, which is absent from the newer filing.
- Older filing (2026-05-11) contains exhibits 4.1, 10.1 (Inducement Incentive Plan), 10.2, 10.3 (Securities Purchase Agreement), 10.4 (Registration Rights Agreement), and 10.5 (Personal Loan Termination Agreement), which are absent from the newer filing's exhibit list.
- Reworded:
- Newer filing (2026-08-11) Item 1A intro adds reference to Part II, Item 1A 'Risk Factors' in the Quarterly Report on Form 10-Q for the quarterly period ended March 31, 2026, incorporated by reference; older filing (2026-05-11) did not include this reference.
- Newer filing (2026-08-11) Item 5(c) heading states 'Other than as described below, during the three months ended June 30, 2026...' whereas older filing (2026-05-11) stated 'During the three months ended March 31, 2026...' without the 'Other than as described below' qualifier.
- Notes:
- The provided texts appear to include the full Part II section rather than only Item 1A Risk Factors, so the comparison covers Items 1A, 2, 3, 4, 5, 6, and signatures as presented.
- This comparison is based solely on the excerpts provided and is not legal or investment advice.
AI-assisted comparison of two SEC filing sections. It describes wording and theme changes only, makes no materiality, legal, or investment judgement, and is not financial advice. Informational only — not financial advice.
Insider activity (SEC Form 4)
0 open-market purchases and 2 open-market sales by insiders in the last 90 days, of which we have read Form 4 filings through 2026-10-16. The 5 days since 2026-10-16 have not been checked yet.
- Last 90 days · read to 2026-10-160 buys · 2 sells ($80922) — 2 selling insiders
- Last 180 days · read to 2026-10-1615 buys ($2M) · 5 sells ($154976) — 4 buying, 2 selling insiders
Cluster buying: 6 different insiders reported open-market purchases (SEC code P) of BETR within a 30-day window between 2026-04-08 and 2026-05-08. Disclosed Form 4 activity, not a prediction of performance or a buy signal.
Activity heuristic: net selling (a transparent product heuristic from the counts above, not a prediction or advice)
Most recent open-market transaction: 2026-09-17. Based on Form 4 filings read through 2026-10-16; anything filed since is not yet included.
View full insider trading history → View SEC Form 3/4/5 filingsAsk about BETR's insider activity →
Only open-market purchases (SEC code P) and sales (code S) are counted here. Option exercises, vesting/awards, gifts, and shares withheld for taxes are excluded — they are compensation or mechanical, not open-market conviction. Sales may be planned and non-discretionary (e.g. a Rule 10b5-1 plan) and are not necessarily bearish; open-market buying is not a recommendation to buy. Informational only — not financial advice.
Institutional ownership (13F)
4 institutional 13F filers reported holding BETR as of 2026-06-30 (quarter-end position, filed within 45 days).
- Distinct 13F filers 4
- Reported shares held 1,807,649
- Reported value $49,710,351
reported quarterly holdings change (2026-03-31 → 2026-06-30): 0 new, 3 increased, 1 decreased, 0 exited. Change counts cover only managers that filed 13F reports in BOTH quarters, derived between two quarter-end snapshots — not same-day trades; a single manager is never said to have "bought" or "sold".
Institutional holdings are quarter-end long positions reported on SEC Form 13F-HR, filed up to 45 days after the quarter ends — they are delayed, are not real-time trades, exclude short positions and most non-US securities, and are not investment advice. Any increase/decrease is a reported change between two quarterly snapshots, not a same-day purchase or sale. These are quarter-end snapshots from the 13F filings on SEC EDGAR, filed within 45 days — not real-time, and any change is a difference between two quarterly reports, not a same-day trade. Informational only — not financial advice.
Ask about BETR's institutional holders → See what each manager we track holds →
Short interest (FINRA)
BETR had 3,730,972 shares of reported short interest as of the 2026-09-30 FINRA settlement date (delayed, bi-monthly; not real-time).
Short interest as a percent of shares outstanding is not shown for BETR because we do not hold a verified share count to divide it by. The reported figures above are unaffected.
- Reported short interest (shares) 3,730,972
- Prior settlement (shares) 3,343,709
- Reported change 11.58%
- Days to cover (reported) 5.77
Reported to FINRA as of the 2026-09-30 settlement date. Short interest is reported to FINRA and published on a delayed, bi-monthly schedule (as of a settlement date, disseminated roughly eight business days later) — it is NOT real-time, does not cover every venue or all US trading, and is not a short-squeeze prediction or investment advice. Days-to-cover is the value FINRA reports; percent of float is not shown because the source file carries no share-count denominator — where a percent appears it is of shares OUTSTANDING, the larger base, and is therefore a floor on percent of float. Informational only — not financial advice.
Competitors & peers
- Rocket Companies (RKT)
- LendingTree (TREE)
- SoFi Technologies (SOFI)
- Guild Holdings (GHLD)
- loanDepot (LDI)
AI-enriched competitor set. Linked names are companies covered by stocks-llm; other named peers are shown for reference only.
Compare BETR vs…
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Frequently asked questions
What does BETTER HOME FINANCE HOLDING CLASS (BETR) do?
Better Home & Finance is a technology-enabled mortgage and homeownership platform that utilizes proprietary AI technology to automate loan origination and servicing. The company operates a digital-first marketplace for home finance products—including mortgages and home equity loans—and provides its Tinman AI platform to third-party strategic partners to facilitate their own lending operations.
What sector is BETTER HOME FINANCE HOLDING CLASS (BETR) in?
BETTER HOME FINANCE HOLDING CLASS (BETR) is classified in the Financials sector. Its industry is Mortgage finance and fintech platforms. It trades on NASDAQ.
Who are BETTER HOME FINANCE HOLDING CLASS's (BETR) competitors?
Notable peers of BETTER HOME FINANCE HOLDING CLASS (BETR) include Rocket Companies, LendingTree, SoFi Technologies, Guild Holdings and loanDepot. This peer set is informational only — not financial advice.
Is BETTER HOME FINANCE HOLDING CLASS (BETR) overbought or oversold right now?
BETTER HOME FINANCE HOLDING CLASS (BETR) is currently neither overbought nor oversold — its 14-day RSI (a 0–100 momentum gauge) is 54, in the neutral middle (as of 2026-10-20). RSI describes recent price momentum, not a forecast — informational only, not financial advice.
Where does stocks-llm's data on BETR come from?
Fundamentals come from SEC XBRL company filings for the figures marked with a fiscal year, and market data, as of 2026-09-03 for the rest; prices are market data, as of 2026-09-03; company filings and profile facts come from SEC EDGAR. All figures are delayed daily-close data shown with their as-of date — informational only, not financial advice.
Fundamentals: SEC XBRL company filings for the figures marked with a fiscal year, and market data, as of 2026-09-03 for the rest. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-10-20.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date.