StockAnalyzer

Financial Analysis

DashboardSectorsComparablesScreenerUniverseMicrocapsAI 2nd OrderTheme MapEnergy & MaterialsMacroWatchlistCompareMi CarteraPortfolio

Recent

v0.1
BETR$28.70-1.07%
Fair $28.70+0.0%

BETR

Better Home & Finance Holding Company

Financial Services / Mortgage FinanceNasdaqGM

$28.70

-0.31 (-1.07%)

Fairly Valued+0.0%Fair Value $28.70Fund rank 19/100 · Data gapFallback financials|
SA 10/F
F-Score: 4/9
High DebtLow Profitability

Book/ROE base 3Y

n/d

n/d CAGR · P/B n/d

Book/ROE base 5Y

n/d

n/d base · n/d expected

Precio de entrada

n/d

MOS 100% · confianza 20%

Book/ROE escenarios

weak_data · book/share n/d · quality 0.0/100

Data gap 19/100
Bear 5Yn/dn/d
Base 5Yn/dn/d
Bull 5Yn/dn/d
Return 0/100Downside 20/100Model quality 14/100Data QA 20/100

Ranking barato/determinista: CAGR esperado 5Y + downside bear + calidad del modelo + balance + capital allocation + data gate. No entra en buy-candidate si la data es débil o el CAGR 5Y no compensa.

Quality + valuation scorecard

SA Score

10/100

F

Piotroski

4/9

balance/quality

Valuation

50/100

+0.0% upside

5Y CAGR

+0.0%

50/100

Data QA

20/100

SEC 0%

Latest source: unknownPeriods: 6Warnings: 2unknown: 6
No SEC-backed annual rows; valuation uses fallback financial data. Sector-specific holding-company NAV/SOTP model required: targets are disabled until look-through holdings, debt and discount data exists. Debt-to-Equity ratio is 16.55, above the 2.0 threshold ROE is -4.5%, below the 5% threshold
Thesis & Journal · BETRLocal privado en este navegador · Better Home & Finance Holding Company
Plantilla tipo buy-side: tesis, bull/base/bear, catalizadores, riesgos, kill criteria y fecha de revisión. Esto no gasta GPT-5.5; luego lo usamos como contexto del memo.

Sin guardar todavía.

Market Cap

$542M

P/E

N/A

•

EV/EBITDA

N/A

•

ROE

-446.1%

↓

Gross Margin

-11.9%

↓

Debt/Equity

16.55

↑
52-Week Range$29
$11$94

TradingView lightweight chart

BETR price, volumen y niveles de valoración

Último $28.70Periodo -94.5%
Fair value: $28.70

Price & Ratios

Absolute Values (Left Axis)

Ratios / Percentages (Right Axis)

Financial statement dashboard

Crecimiento, márgenes y provenance

2020–2025 · 5 años de histórico normalizado

Revenue CAGR

—

FCF CAGR

—

FCF margin

-85.9%

FCF / Net income

1.07x

Latest source

Provider fallback

Margin decomposition

Último año: revenue $206.9M · net income $-165.9M · FCF $-177.8M

2020-FY → 2025-FY

Gross margin

-11.9%— pts

Operating margin

-72.2%— pts

Net margin

-80.2%— pts

FCF margin

-85.9%— pts
MetricTTM
2025
2024
2023
2022
2021
2020
Income Statement
Revenue$206.9M$206.9M$120.1M$102.1M$395.1M——
Net Income$-165.9M$-165.9M$-206.3M$-536.4M$-877.1M$-6.5M—
EBITDA$-135.4M$-135.4M$-154.8M$-238.0M$-523.4M——
EPS-10.80-10.80-13.65-58.09-59.46——
Gross Margin-11.9%-11.9%-43.6%-118.2%-75.6%——
Operating Margin-72.2%-72.2%-156.6%-275.1%-150.7%——
Net Margin-80.2%-80.2%-171.8%-525.3%-222.0%——
Balance Sheet
Debt/Equity16.5516.55-13.205.48-6.53——
Current Ratio0.520.52—————
Cash Flow
Free Cash Flow$-177.8M$-177.8M$-390.1M$-169.5M$903.0M——
Returns
ROE-446.1%-446.1%354.6%-437.5%522.4%-2.7%—
Valuation
P/B11.8511.85—2.53———
Growth & Yield
Revenue Growth72.3%72.3%17.6%-74.2%———
EPS Growth20.9%20.9%76.5%2.3%———

Revenue, Net Income & Free Cash Flow ($B)

Margins (%)

Returns (%)

Leverage & Liquidity

Reverse DCF · market-implied EPS growthterminal P/E 15.0x · COE 10.0%
Reverse DCF requires positive EPS; loss-making or zero-EPS companies cannot produce a clean EPS hurdle.

Qué te dice: cuánto EPS CAGR está descontando el precio si sales al múltiplo terminal indicado. Si el growth observado queda por debajo, el mercado está pidiendo una ejecución muy fina.

Return attribution · 1Y approxreconcilia total +125.2%

Total return

+125.2%

Start / end P/E

n/dx → n/dx

EPS bridge

-13.65 → -10.80

Residual

+125.2%

EPS growthn/d
Multiple reratingn/d
Dividend+0.0%
Residual / FX / buybacks / cross-term+125.2%

EPS/multiple decomposition requires positive EPS at both endpoints; residual absorbs price move not explained by dividends.

Simple additive decomposition: total return = EPS growth contribution + P/E multiple contribution + dividend contribution + explicit residual. The residual captures cross-terms, buybacks/share-count effects, FX, special dividends, data noise and methodology mismatch so the bridge always reconciles.