Event-Driven Stocks

Better Home & Finance Holding Co

BETRNasdaq

Financials · Loan Brokers · SEC filings ↗ · Compare ⊕

View price & chart on Yahoo Finance ↗
Signs● 2 good● 3 warning● 1 severedetails ↓

Financials

SEC XBRL · annual
 FY25FY24FY23FY22FY21FY20
Revenue$164.9M$108.5M$0$12.3M——
Operating income——−$84.7M−$858.9M−$8.1M−$20,000
Net income−$165.9M−$206.3M−$536.4M−$877.1M−$6.5M−$20,000
Total assets$1.51B$913.1M$905.6M$1.08B$279.1M$562,663
Total liabilities$1.47B$971.2M$783.0M$1.25B$28.9M$557,663
Equity$37.2M−$58.2M$122.6M−$604.2M$242.6M$5,000
EPS (diluted)$-10.80$-13.65$-58.09$-3.01——
Shares out.16.0M15.2M15.0M299.8M——

Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.

Key ratios

from filings · FY2025
Operating margin
—
Net margin
−100.6%
Return on equity
−446.1%
Return on assets
−11.0%
Return on capital (ROCE)
—
Liabilities / assets
97.5%
Debt / equity
39.49×
Book value / share
$2.32
Revenue growth (YoY)
52.0%
Net income growth (YoY)
—

Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.

Financial health

forensic scores · FY2025
Accruals / assets
0.0%clean
Piotroski F-Score
2/7weak

Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.

Quality score

EDS Score
57
/ 100
Profitability 0Growth 100Catalyst 100Earnings quality 33Financial strength 50

Our own multi-factor score from free SEC data — profitability, growth, financial strength, earnings quality, and event/ownership catalysts. No market price and no licensed model: each axis is the share of source-backed checks it passes. Descriptive factors, not advice or a forecast.

Signs

● 1 severe● 3 warning● 2 good
  • Filed a late-filing notice (Form NT) — missed an SEC deadline
  • Reported a net loss
  • High leverage (liabilities > 70% of assets)
  • Negative operating cash flow
  • Revenue is growing year-over-year
  • Clean earnings (low accruals)

Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.

Risk flags

late SEC filings

A Form NT means the company notified the SEC it would file a periodic report late — often an accounting, audit or liquidity warning sign. Also search SEC enforcement actions for this company.

5%+ owners

SEC Schedule 13D / 13G · last 3 yrs

Holders who disclosed a 5%+ stake. 13D signals intent to influence or control; 13G is a passive holding. Latest filing per holder — open it for the exact stake.

Insider transactions

SEC Form 4 · most recent
12 acquisitions0 disposals11 open-market buy(s)net +102,138 shares · last 12
InsiderDateTypeSharesPrice
Talwar HaritDirectorMay 22, 2026Buy5,000$25.34
Garg VishalOfficer — Chief Executive OfficerMay 21, 2026Buy15,600$24.89
Garg VishalOfficer — Chief Executive OfficerMay 20, 2026Buy600$24.99
Garg VishalOfficer — Chief Executive OfficerMay 18, 2026Buy3,333$24.71
Advani LoveenOfficer — Chief Financial OfficerMay 11, 2026Buy100$31.25
Talwar HaritDirectorMay 8, 2026Buy3,000$30.43
Smith Chad M.Officer — Pres &amp; COO, Better MortgageMay 6, 2026Option exercise5,000$0.00
Garg VishalOfficer — Chief Executive OfficerMay 7, 2026Buy100$29.95
Framework Ventures Iv L.P.10% ownerApr 10, 2026Buy54,384$32.96
Talwar HaritDirectorApr 9, 2026Buy5,000$32.89
Garg VishalOfficer — Chief Executive OfficerApr 8, 2026Buy10,000$35.05
Orn Jonsson SigurgeirOfficer — Chief Technology OfficerApr 8, 2026Buy21$36.05

Headline trade per Form 4 (officers, directors, 10%+ owners). Buy/sell read from the filing's structured data — blank where a field isn't cleanly tagged.

Short interest

FINRA · bi-monthly
SettlementShares shortDays to coverΔ vs prior
May 15, 20262.2M3.2+5.7%
Apr 30, 20262.1M3.8+0.7%
Apr 15, 20262.1M2.8-16.5%
Mar 31, 20262.5M6.0+9.4%
Mar 13, 20262.3M5.7+5.3%

Shares sold short as reported to FINRA. Days-to-cover = short shares ÷ average daily volume — higher means more potential squeeze pressure.

Material events

SEC Form 8-K · most recent

Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.

Recent SEC filings

All filings ↗

Event-driven situations (3)