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About the company
Better Home & Finance Holding Company is a homeownership company. The Company serves customers in the United States and United Kingdom through its suite of products, including residential mortgage, insurance and real estate services. Its technology platform, Tinman, allows customers to see their rate options, get pre-approved, lock in rates and get connected to a real estate agent, and close their loan. It offers Home Finance (home loan) products and Better Plus (non-mortgage) products. Its suite of products and services is powered by the Company’s technology platform, Tinman. The Company offers a range of mortgage loan products, including GSE-conforming mortgage loans, FHA and VA loans, and jumbo mortgage loans. The Company offers 'One-Day Mortgage' program that allows customers to receive an underwriting determination on their mortgage loan application, in the form of a commitment letter, after locking in their interest rate.
- Revenue in USD (TTM)94.21m
- Net income in USD-493.87m
- Incorporated2023
- Employees--
- LocationBetter Home & Finance Holding Co3 World Trade Center175 Greenwich Street, 57Th FloorNEW YORK 10007United StatesUSA
- Phone+1 (646) 839-0086
- Fax+1 (302) 655-5049
- Websitehttps://better.com/
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Peer analysis
Key Information
- Key Information
- Stock Performance
- Per Share Data
- Efficiency
- Management Effectiveness
- Profitability
- Financial Strength
- Growth Rates
| Company | Revenue (TTM) | Net income (TTM) | Market cap | Employees | Price/earnings (TTM) | Price/book value (MRQ) | Price/cash flow (TTM) | Price/sales (TTM) | EPS (excl. extraordinary items, TTM) | EPS (incl. extraordinary items, TTM) | Revenue per share (TTM) | Book value per share (MRQ) | Asset turnover (TTM) | Inventory turnover (TTM) | Receivables turnover (TTM) | Revenues per employee (TTM) | Return on avg assets (TTM) | Return on avg assets (5 yr avg) | Return on investment (TTM) | Return on investment (5 yr avg) | Gross margin (TTM) | Gross margin (5 yr avg) | Net profit margin (TTM) | Net Profit margin (5 yr avg) | Quick ratio (MRQ) | Interest coverage (TTM) | Total debt to capital (MRQ) | Payout ratio (5 yr avg) | Revenue (YOY change %) | Revenue (5 yr growth rate) | Net income (YOY change %) | Net income (5 yr growth rate) | Capital expenditure (5 yr growth rate) | Dividend (5 yr growth rate) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| CNFinance Holdings Ltd - ADR | 265.14m | 16.94m | 68.72m | 897.00 | 3.79 | -- | -- | 0.2592 | 0.2644 | 0.2644 | 4.05 | -- | 0.1177 | -- | -- | 295,588.70 | 0.7523 | 1.41 | 0.8106 | 1.52 | 41.39 | 41.27 | 6.39 | 9.93 | -- | -- | 0.7013 | 0.00 | -0.9691 | -15.57 | 21.62 | -28.17 | 50.52 | -- |
| Oportun Financial Corp | 296.44m | -120.43m | 103.95m | 1.49k | -- | 0.2936 | -- | 0.3507 | -3.10 | -3.10 | 7.63 | 9.91 | 0.0882 | -- | -- | 126,682.10 | -3.58 | -1.44 | -3.68 | -1.51 | -- | -- | -40.62 | -8.62 | -- | -- | 0.888 | -- | -56.19 | -9.93 | -131.47 | -- | 12.75 | -- |
| X Financial (ADR) | 733.29m | 186.45m | 162.10m | 521.00 | 1.31 | 0.2566 | -- | 0.2211 | 3.77 | 3.77 | 14.86 | 19.19 | 0.4618 | -- | 3.44 | 1,407,474.00 | 11.56 | 5.65 | 14.00 | 7.70 | 53.43 | 38.29 | 25.03 | 13.10 | -- | -- | 0.3568 | -- | 35.14 | 6.34 | 46.16 | 6.09 | -26.18 | -- |
| California First Leasing Corp | 47.87m | 33.57m | 194.82m | 98.00 | 5.87 | 0.8029 | -- | 4.07 | 3.57 | 3.57 | 5.04 | 26.07 | 0.196 | -- | -- | -- | 13.74 | 5.79 | 13.83 | 6.38 | -- | -- | 70.12 | 78.46 | -- | -- | 0.00 | 28.46 | 128.19 | 27.53 | 99.08 | 37.54 | -- | -- |
| Consumer Portfolio Services, Inc. | 349.18m | 26.83m | 211.14m | 925.00 | 9.17 | 0.7524 | 7.63 | 0.6047 | 1.08 | 1.08 | 14.11 | 13.16 | 0.1137 | -- | 11.96 | 392,337.10 | 0.8738 | 1.68 | 0.8917 | 1.71 | 52.22 | 66.87 | 7.68 | 13.09 | -- | -- | 0.913 | -- | 8.14 | -2.69 | -47.27 | 24.99 | -12.29 | -- |
| LexinFintech Holdings Ltd - ADR | 1.97bn | 115.01m | 281.15m | 4.27k | 2.56 | 0.1964 | -- | 0.1426 | 0.669 | 0.669 | 11.52 | 8.71 | 0.5927 | 175.11 | 2.49 | 461,956.80 | 3.46 | 7.03 | 6.62 | 15.32 | 37.11 | 38.77 | 5.83 | 12.58 | 1.77 | 1.67 | 0.3404 | 1.91 | 32.35 | 11.44 | 30.03 | -11.62 | 33.45 | -- |
| Better Home & Finance Holding Co | 94.21m | -493.87m | 291.23m | -- | -- | 6.48 | -- | 3.09 | -32.83 | -32.83 | 6.25 | 2.97 | 0.10 | -- | 5.29 | -- | -52.40 | -- | -61.95 | -- | 46.02 | -- | -524.24 | -- | -- | -0.9701 | 0.9469 | -- | -77.88 | -- | 39.65 | -- | -- | -- |
| CPI Card Group Inc | 439.49m | 18.05m | 305.15m | 1.45k | 18.06 | -- | 8.93 | 0.6943 | 1.53 | 1.53 | 37.04 | -3.98 | 1.41 | 3.52 | 5.79 | 303,514.50 | 5.81 | 6.77 | 7.24 | 8.61 | 35.38 | 35.75 | 4.11 | 4.65 | 1.36 | 1.99 | 1.20 | 0.00 | -6.56 | 11.69 | -34.36 | -- | 2.60 | -- |
| Aaron's Company Inc | 2.07bn | -42.58m | 316.14m | 9.07k | -- | 0.4679 | 0.6781 | 0.1527 | -1.39 | -1.39 | 67.50 | 21.41 | 1.15 | 10.83 | 63.44 | 228,175.40 | -2.37 | -1.57 | -4.17 | -2.73 | 52.53 | 57.81 | -2.06 | -1.34 | -- | -1.30 | 0.247 | -- | -4.87 | 3.58 | 153.47 | -43.87 | 7.07 | -- |
| Regional Management Corp | 569.87m | 24.90m | 329.85m | 2.08k | 12.85 | 0.9563 | 8.51 | 0.5788 | 2.53 | 2.53 | 58.91 | 33.96 | 0.3245 | -- | -- | 273,844.30 | 1.42 | 3.33 | 1.47 | 3.78 | -- | -- | 4.37 | 10.26 | -- | 1.47 | 0.7992 | 15.80 | 8.72 | 12.45 | -68.85 | -14.70 | 12.17 | -- |
| Yiren Digital Ltd - ADR | 774.37m | 286.66m | 405.12m | 754.00 | 1.44 | 0.3186 | 1.41 | 0.5232 | 3.24 | 3.24 | 8.77 | 14.62 | 0.5154 | -- | 9.53 | 1,027,018.00 | 19.08 | 10.63 | 23.52 | 16.04 | 83.33 | 83.23 | 37.02 | 18.68 | -- | -- | 0.00 | -- | 42.54 | -16.29 | 74.09 | 5.66 | -49.90 | -- |
| Atlanticus Holdings Corp | 503.38m | 76.71m | 515.92m | 386.00 | 8.30 | 1.19 | 6.39 | 1.02 | 4.21 | 4.21 | 26.80 | 38.93 | 0.1902 | -- | -- | 1,304,088.00 | 3.82 | 6.58 | 4.08 | 7.02 | 52.14 | 67.67 | 20.10 | 23.62 | -- | -- | 0.7844 | 0.00 | -0.7545 | 19.52 | -29.74 | 58.12 | 23.62 | -- |
Data as of Sep 20 2024. Currency figures normalised to Better Home & Finance Holding Co's reporting currency: US Dollar USD
18.59%Per cent of shares held by top holders
| Holder | Shares | % Held |
|---|---|---|
| Healthcare of Ontario Pension Planas of 31 Mar 2024 | 29.39m | 7.50% |
| Ally Financial, Inc. (Investment Management)as of 31 Mar 2024 | 19.55m | 4.99% |
| Goldman Sachs & Co. LLC (Private Banking)as of 31 Mar 2024 | 13.24m | 3.38% |
| The Vanguard Group, Inc.as of 31 Mar 2024 | 4.58m | 1.17% |
| Geode Capital Management LLCas of 30 Jun 2024 | 2.94m | 0.75% |
| Greenland Capital Management LPas of 31 Mar 2024 | 1.06m | 0.27% |
| SSgA Funds Management, Inc.as of 31 Mar 2024 | 788.70k | 0.20% |
| Morgan Stanley Smith Barney LLC (Investment Management)as of 31 Mar 2024 | 592.21k | 0.15% |
| Northern Trust Investments, Inc.(Investment Management)as of 31 Mar 2024 | 473.13k | 0.12% |
| Simplicity Wealth LLCas of 30 Jun 2024 | 261.93k | 0.07% |
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Data from 31 Mar 2024 - 30 Jun 2024Source: FactSet Research Systems Inc.
