# Better Home & Finance Holding Company (BETR) · Edgar & Edgarette company card

> Better Home & Finance Holding Company (BETR) grew revenue 52.0% in FY2025 to $165 million, equity 2.5% of assets. Every figure is from the company’s own annual report filed with the SEC.

SEC CIK 1835856 · fiscal year ended 2025-12-31 · 4 audited years read · [page](https://www.pops4.com/boards/company/BETR) · [JSON](https://www.pops4.com/boards/company/BETR.json)

## Figures, as filed in the 10-K

| Measure | Value |
|---|---|
| Revenue | $165M |
| Revenue growth, 1 year | 52.0% |
| Revenue growth per year | 137.4% |
| Operating margin | — |
| Net margin | -100.6% |
| Operating cash flow | −$167M |
| Capital spending | $1M |
| Free cash flow | −$168M |
| Cash | $100M |
| Long-term debt | — |
| Total assets | $1.5B |
| Total equity | $37M |
| Equity ÷ assets | 2.5% |
| Return on equity | -446.1% |
| Dividend per share | — |
| Dividend years rising | — |

## Readings, computed from those figures

- Piotroski F: 2 of 9 (weak)
- Health Harbor boat: Weathered boat · two warning signs · filed late quarterly report notice, auditor change in the last 12 months; operating cash flow was negative
- Cash Compass: Fast, cash not yet · growing fast, but little cash arriving so far

## Edgarette's reading

Exposure: revenue $164.9M (FY2025). Experience: revenue up 52.0% on the year, up 137.4% a year over 3 years. Soundness: equity 2.5% of assets, return on equity -446.1%. Credibility: four or more audited years, reasonable weight. Range: 80% of past cases like this landed between $265.8M and $372.8M next year (method v4.1: its own 2-year record of growth weighed at 25% against $100M–1B filers; across 2019–2025, 69.0% landed inside, 83.4% on the one year the method never saw). In a shock year the stress range is $244.0M to $407.5M. A statistical range, not company guidance. Against peers (44 filers, $50M+ revenue, its industry group): growth 52.0% against 16.8%.

Range logged 2026-09-25, receipt 2172344f8cb36f65, status open. A statistical range, not company guidance.

## Health Watch, last 12 months

- Item 3.01 Exchange listing notice or transfer: 1, latest 2026-10-09 ([filing](https://www.sec.gov/Archives/edgar/data/1835856/000183585626000074/0001835856-26-000074-index.htm))
- Item NT 10-Q Late quarterly report notice: 1, latest 2026-08-11 ([filing](https://www.sec.gov/Archives/edgar/data/1835856/000162828026055527/0001628280-26-055527-index.htm))
- Item 4.01 Auditor change: 1, latest 2026-03-19 ([filing](https://www.sec.gov/Archives/edgar/data/1835856/000162828026019820/0001628280-26-019820-index.htm))
- Item 5.02 Director or officer change: 11, latest 2026-10-27 ([filing](https://www.sec.gov/Archives/edgar/data/1835856/000162828026067366/0001628280-26-067366-index.htm))

## Recent filings

- 8-K · filed 2026-10-27 · 5.02 Departure or Election of Directors; Appointment of Officers; 9.01 Financial Statements and Exhibits · [filing](https://www.sec.gov/Archives/edgar/data/1835856/000162828026067366/0001628280-26-067366-index.htm)
- 8-K · filed 2026-10-14 · 2.02 Results of Operations and Financial Condition; 9.01 Financial Statements and Exhibits · [filing](https://www.sec.gov/Archives/edgar/data/1835856/000162828026065879/0001628280-26-065879-index.htm)
- 8-K · filed 2026-10-13 · 2.02 Results of Operations and Financial Condition; 9.01 Financial Statements and Exhibits · [filing](https://www.sec.gov/Archives/edgar/data/1835856/000162828026065693/0001628280-26-065693-index.htm)
- 8-K · filed 2026-10-09 · 3.01 Notice of Delisting or Failure to Satisfy a Listing Rule · [filing](https://www.sec.gov/Archives/edgar/data/1835856/000183585626000074/0001835856-26-000074-index.htm)
- 8-K · filed 2026-10-08 · 1.01 Entry into a Material Definitive Agreement; 1.02 Termination of a Material Definitive Agreement; 3.03 Material Modifications to Rights of Security Holders; 5.03 Amendments to Articles or Bylaws; Change in Fiscal Year; 9.01 Financial Statements and Exhibits · [filing](https://www.sec.gov/Archives/edgar/data/1835856/000162828026065460/0001628280-26-065460-index.htm)
- 8-K · filed 2026-10-06 · 5.02 Departure or Election of Directors; Appointment of Officers; 5.07 Submission of Matters to a Vote of Security Holders · [filing](https://www.sec.gov/Archives/edgar/data/1835856/000183585626000066/0001835856-26-000066-index.htm)

## Sources

- facts: https://data.sec.gov/api/xbrl/companyfacts/CIK0001835856.json
- filings: https://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=1835856

## Cite

POPS4, Edgar & Edgarette: Better Home & Finance Holding Company (BETR) company card, from the company's own SEC filings, accessed 2026-11-04, https://www.pops4.com/boards/company/BETR. CC BY 4.0. For a figure, add the filing URL under filings or sources.

DOI https://doi.org/10.5281/zenodo.23672509 · catalog https://www.pops4.com/boards/catalog.json · Figures as filed with the SEC. Card text CC BY 4.0, POPS4.

Reporting, not investment advice. No price targets and no trading recommendations.

Figures are as filed in audited 10-K reports and can move with restatements, acquisitions, disposals or a change in fiscal year. A range set from how past company-years turned out is not a promise about the next one, and says nothing about the share price.