Watch Better Home & Finance Holding Company for free: we tell you when fair value or trend changes.

Better Home & Finance Holding Company (BETR) fair value: what the stock is really worth

As of Nov 10, 2026: fair value (intrinsic value) of Better Home & Finance Holding Company stock $12.33, price $18.51, that is 33.4% below the price, quality 37 out of 100. Rating: overvalued. The value is an estimate: none of our valuation models currently carries, it draws on revenue and assets compared with similar companies. Updated daily.

EstimateBear $9.25 to bull $15.41 Growth analysisrevenue history, year by year Quality 37/100 in detail37 factors, each one shown Compared with its peersrank on every measure, side by side

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Financial Services US

Thin data Nov 11, 2026

Better Home & Finance Holding Company

BETR · US

Expensive, weak quality

Our calculation puts a fair price 33% below what the stock costs today.

Upbeat coverage

Revenue last quarter +28% vs. a year ago.

Insiders bought $1.4M (6M) · sold $176,196

Fair value $12.33 · Overvalued

Quality 37/100

Weak Growth (revenue 3y −21.5 %/yr in USD)

Loss-making · -93.2% net margin (TTM) · excl. goodwill write-downs -86.2%

Trails peers (2/10)

Narrow moat 8/100 · thin data

Thin data

Estimate

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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

White line = price, green steps = our fair value per fiscal year. As of Nov 11, 2026.

How to read this chart

60‑month range $7.96 – $2,479 · fair‑value band $9.25 – $15.41 · the $18.51 price screens above the $12.33 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 11, 2026.

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Company profile

Better Home & Finance Holding Company operates as a homeownership company in the United States.

Show moreShow less

The company provides government-sponsored enterprise (GSE) conforming loans, Federal Housing Administration insured loans, Department of Veterans Affairs guaranteed loans, and jumbo loans to GSEs, banks, insurance companies, asset managers, and mortgage real estate investment trusts.

It offers real estate agent services, title insurance and settlement services, and homeowners insurance services. It also offers home equity lines of credit and closed-end second-lien loans.

The company has a strategic collaboration with Coinbase Global, Inc. for the development of token-backed mortgage products. The company formerly known as Better Mortgage Corporation and changed its name to Better Home & Finance Holding Company in August 2023.

Better Home & Finance Holding Company is headquartered in New York, New York.

Stock analysis

Better Home & Finance Holding Company (BETR) currently trades at $18.51, while our estimate is $12.33, 33% below the price, so the stock looks overvalued today.

Valuation

None of our valuation models currently carries for this company, usually because of losses or heavy investment. The estimate draws on revenue and assets compared with similar companies and is less precise than a model-based fair value.

Scenario range: $9.25 (bear) to $15.41 (bull), the price of $18.51 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 37/100 (below-average quality), in the Financial Services sector.

Weak Growth: Revenue growth is inconsistent: the periods point in different directions, so there is no trend to rely on.

Better Home & Finance Holding Company reported revenue of $191M in FY2025 versus $1.3B in FY2021, a compound −38.2%/yr. Reported net income was −$166M in FY2025.

Key figures

Market cap $383M Small · P/S ratio 1.98 · EPS (TTM) $−10.15 · Net margin −93.2% · Return on equity −250% · Return on assets (EBIT) −29.5% (5-year average) · Operating margin −56.9% · Revenue (TTM) $193M.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 8 out of 100 (low confidence).

What moves the price

The share trades about 72% below its 52-week high and 128% above its 52-week low, currently below its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −1% fair-value upside, at −33%, BETR screens richer than that median.

Fair Value

Bear $9.25 Fair Value $12.33 Bull $15.41

Price $18.51 · Downside -33.4%

Estimate. None of our valuation models currently carries for this company, usually because of losses or heavy investment. The estimate draws on revenue and assets compared with similar companies and is less precise than a model-based fair value.

Quality Score breakdown

Overall quality 37/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 4

How much profit the company makes from its sales and capital

Quality Growth 90

Are margins and returns getting better?

Cashflow 20

Do the profits arrive as real cash?

Financial strength 26

Debt, balance sheet and risk of trouble

Investment 71

Does it invest with discipline instead of growing at any price?

Low Volatility 5

How calm the share price moves, does not count

Price momentum 27

Price momentum of the last 3 to 12 months, does not count

Near the 52-week high 9

Distance to the 52-week high, does not count

New shares 50

Buys back shares or issues new ones?

Open the full quality analysis →

Insider trades

In the last 6 months, 4 officers or directors bought shares worth $1.4M, most recently on Jun 11, 2026. Over the same period, 4 people sold shares worth $176,196. Buying cluster

SaleJ. Calamari NicholasDirector2× since Oct 19, 2026: 2,085 shares, avg. $13.31$27,754Nov 10, 2026
SalePaula TuffinGeneral Counsel and CCO6× since Dec 11, 2025: 29,063 shares, avg. $33.54$974,829Nov 10, 2026
SaleJonsson Sigurgeir OrnChief Technology Officer2,210 shares at $18.94$41,857Nov 5, 2026
SaleChad M. SmithPresident, BMC9× since Dec 12, 2025: 39,077 shares, avg. $32.22$1.3MAug 19, 2026
BuyHugh R FraterDirector5,150 shares at $24.34$125,351Jun 11, 2026
BuyHarit TalwarDirector5× since Apr 2, 2026: 19,000 shares, avg. $31.16$591,980May 22, 2026
BuyVishal GargChief Executive Officer, Director, 10% owner7× since Mar 23, 2026: 86,800 shares, avg. $27.64$2.4MMay 21, 2026
BuyLoveen AdvaniChief Financial Officer2× since Apr 8, 2026: 510 shares, avg. $30.78$15,700May 12, 2026
BuyFramework Ventures IV L.P.10% owner2× since Mar 9, 2026: 85,982 shares, avg. $34.95$3.0MApr 10, 2026
BuyBhaskar MenonDirector2× since Dec 30, 2025: 2,090 shares, avg. $34.00$71,053Apr 8, 2026

Plus 3 more entries from the last 12 months.

Plus 20 other filings such as grants, option exercises or tax withholding. They are not market purchases or sales.

Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.

Source: SEC Form 4, as of Nov 10, 2026. All filings at the SEC ↗

Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 0/100

Revenue growth is inconsistent: the periods point in different directions, so there is no trend to rely on.

Revenue growth 1 year

+59.4%

Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.

−21.5%

Revenue growth 10 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.

+0.4%

’15

’16

’21

’22

’23

’24

’25

Profit margin (trend) ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.

−18.3% (2021) → −64.3% (2025)

What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: fiscal 2025 is a loss year, no rate is defined from a loss

not computed

BETR screens overvalued: fair value 33% below the price. Compare with Rocket Companies, Inc →

Earlier news

News mood ⓘNews mood, the average tone of recent news (96 articles), rated against how stocks are usually covered. 🚀 Hype = unusually upbeat · 🙂 Positive = above average · 😐 Neutral = typical · 🙁 Negative = below average · 😨 Very negative = unusually downbeat. It reflects the tone of coverage, not our valuation. Hype

Recent news coverage is unusually upbeat, far more positive than stocks are typically covered.

Better Home & Finance Holding Company (BETR) Surges 32.5%: Is This an Indication of Further Gains? Yahoo Finance · Oct 16, 2026
Better Home & Finance stock dips as Q3 revenue is estimated below consensus Seeking Alpha · Oct 14, 2026
Better Home & Finance Announces Progress Toward Sale of Birmingham Bank Yahoo Finance · Oct 5, 2026

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Mortgage Finance · 55 stocks

Beats the industry median on 2/9 measures

Overall it trails its industry peers.

Valuation

Quality Score 37 · Bottom 25%

Fair Value upside −33.4% · Bottom 25%

Profitability

Return on assets −11.0% · Bottom 25%

Net margin (12 months) −93.2% · Bottom 25%

Operating margin (12 months) −56.9% · Bottom 25%

Growth and dividend

Revenue growth (quarter YoY) 28.2% · Top 25%

Balance sheet

Debt / equity 5.35× · Highest 25%

Valuation Multiplesvs Mortgage Finance median · lower = cheaper

P/B 10.30× · Priciest 25%

P/S (12 months) 1.98× · Cheaper than median

Strength profile in five axes (Snowflake)

This stock

Sector peers

VALUE (fair-value potential)0 · sector 41

FUTURE (revenue growth)100 · sector 31

PAST (return on equity)0 · sector 32

HEALTH (low debt)–

DIVIDEND (yield)0 · sector 100

VALUE 0: the price sits above our fair-value range.

HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Mortgage Finance stocks, each showing price versus our Fair Value estimate.

Stock	Price	Fair Value	vs Fair Value	Compare
PennyMac Financial Services, Inc PFSI	$62.85	$125.39	+100%	vs BETR
LIC Housing Finance Limited LICHSGFIN	₹551.90	₹1,040	+88%	vs BETR
PNB Housing Finance Limited PNBHOUSING	₹1,111	₹1,329	+20%	vs BETR
Aadhar Housing Finance Limited AADHARHFC	₹433.35	₹497.00	+15%	vs BETR
Sammaan Capital Limited SAMMAANCAP	₹134.67	₹133.69	−1%	vs BETR
Walker & Dunlop, Inc WD	$39.97	$32.07	−20%	vs BETR
Bajaj Housing Finance Limited BAJAJHFL	₹81.16	₹39.96	−51%	vs BETR
Home First Finance Company HOMEFIRST	₹1,079	₹226.97	−79%	vs BETR
UWM Holdings UWMC	$1.38	$0.2200	−84%	vs BETR
Rocket Companies, Inc RKT	$14.45	$1.79	−88%	vs BETR

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Better Home & Finance Holding Company: fair value per Fair Value Calculator

<a href="https://www.fairvalue-calculator.com/stock/BETR?utm_source=embed&amp;utm_medium=badge" target="_blank" rel="nofollow noopener"><img src="https://www.fairvalue-calculator.com/embed/BETR.US.svg" width="360" height="84" alt="Better Home &amp; Finance Holding Company: fair value per Fair Value Calculator" style="border:0;max-width:100%" loading="lazy"></a>

Cite: Fair Value Calculator (2026). "Better Home & Finance Holding Company Fair Value". https://www.fairvalue-calculator.com/stock/BETR

Frequently asked questions

Is Better Home & Finance Holding Company (BETR) overvalued or undervalued?

As of Nov 11, 2026, our estimate of fair value is $12.33 versus a price of $18.51, about 33% lower (overvalued).

What is the fair value of BETR?

Our estimate for Better Home & Finance Holding Company is $12.33 (as of Nov 11, 2026), built from audited fundamentals. The current price: $18.51.

What is the quality score of BETR?

Better Home & Finance Holding Company has a Quality Score of 37/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.

What is the price target for Better Home & Finance Holding Company (BETR)?

Our calculated price target is the estimate of $12.33 (as of Nov 11, 2026). Cautious scenario $9.25, optimistic scenario $15.41. It is an estimate from revenue and assets compared with similar companies, because none of our valuation models currently carries, not an analyst target.

What is the Better Home & Finance Holding Company stock forecast for 2026?

Our estimate puts fair value at $12.33, about 33% lower versus a price of $18.51 (overvalued). Cautious scenario $9.25, optimistic scenario $15.41. The calculation is refreshed regularly with new filings.

What is the revenue of Better Home & Finance Holding Company (BETR)?

Better Home & Finance Holding Company reported trailing-twelve-month revenue of about $193M (latest available figure, as of Nov 11, 2026).

What is the intrinsic value of Better Home & Finance Holding Company (BETR)?

Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Better Home & Finance Holding Company it is $12.33 per share (as of Nov 11, 2026), against a price of $18.51.

Is Better Home & Finance Holding Company stock overvalued or undervalued in 2026?

As of Nov 11, 2026, BETR trades above its calculated fair value: price $18.51, fair value $12.33, a gap of about −33% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.

Is fair value the same as the market price of BETR?

No. The price is what the market pays today ($18.51); the fair value is what the company's own numbers justify ($12.33). For Better Home & Finance Holding Company the two are $6.18 per share apart. That gap is exactly why we show both numbers side by side.

How much is Better Home & Finance Holding Company worth?

The market values Better Home & Finance Holding Company at about $383M (market capitalisation, as of Nov 11, 2026). Per share that is $18.51; our models calculate a fair value of $12.33 per share.

What do the bullish and bearish scenarios say about BETR?

Our models span a range for Better Home & Finance Holding Company: cautious scenario $9.25, base $12.33, optimistic $15.41 per share (as of Nov 11, 2026, price $18.51). The range comes from different growth and margin assumptions, not from analyst opinions.

How solid is the balance sheet of Better Home & Finance Holding Company (BETR)?

Balance-sheet figures for Better Home & Finance Holding Company (as of Nov 11, 2026): return on equity −250.4%, debt of 5.35 per unit of equity. They feed the Quality Score of 37/100, which measures business quality independently of the share price.

How far is BETR from its 52-week high?

Better Home & Finance Holding Company trades at $18.51, about 72% below its 52-week high of $66.07 and 128% above the low of $8.12 (as of Nov 10, 2026). Distance from the high says nothing about value: that is what the fair value of $12.33 is for.

Which stocks are comparable to Better Home & Finance Holding Company?

From the same area (Financial Services) we also value Rocket Companies, Inc, Bajaj Housing Finance Limited, PennyMac Financial Services, Inc, LIC Housing Finance Limited, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.

Is Better Home & Finance Holding Company stock attractive at the current price?

The data as of Nov 11, 2026: price $18.51, calculated fair value $12.33 (−33%), Quality Score 37/100. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.

Is it still worth investing in stocks now?

The global stock market currently sits 15.1% above its aggregate fair value. Better Home & Finance Holding Company itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.

What is the share price of Better Home & Finance Holding Company (BETR)?

The closing price on Nov 10, 2026 was $18.51. Our estimate is $12.33, about 33% lower (overvalued). We carry closing prices from our data provider, not a live tick.

What should I pay attention to with Better Home & Finance Holding Company right now?

The price sits above even our optimistic bull case ($15.41). The favourable scenario is already priced in. Weak quality (37/100) and above fair value at the same time, the margin of safety is missing on both counts. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Key figures of Better Home & Finance Holding Company

How large is the market capitalisation of Better Home & Finance Holding Company (BETR)?

The market capitalisation of Better Home & Finance Holding Company is $383M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.

What is the P/S ratio of Better Home & Finance Holding Company (BETR)?

The price-to-sales ratio of Better Home & Finance Holding Company is 1.98 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.

What are the earnings per share of Better Home & Finance Holding Company (BETR)?

Earnings per share at Better Home & Finance Holding Company are $−10.15. Earnings per share over the last twelve months: total profit spread across every single share.

What is the net margin of Better Home & Finance Holding Company (BETR)?

The net margin of Better Home & Finance Holding Company is −93.2% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.

What is the return on equity of Better Home & Finance Holding Company (BETR)?

The return on equity (ROE) of Better Home & Finance Holding Company is −250% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.

What is the EBIT return on assets of Better Home & Finance Holding Company (BETR)?

On an EBIT basis the return on assets of Better Home & Finance Holding Company is −29.5% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.

What is the operating margin of Better Home & Finance Holding Company (BETR)?

The operating margin of Better Home & Finance Holding Company is −56.9% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.

How fast is revenue growing at Better Home & Finance Holding Company (BETR)?

Revenue at Better Home & Finance Holding Company is growing +28.2% versus a year earlier (3y avg −21.5%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.

How much free cash flow does Better Home & Finance Holding Company (BETR) generate?

The free cash flow of Better Home & Finance Holding Company is −$233M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.

How much net debt does Better Home & Finance Holding Company (BETR) carry?

The net debt of Better Home & Finance Holding Company is $499M (fiscal year 2025). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.

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