What is the 13F Pro Quality Score for BETR?

13F Pro ranks Better Home & Finance Holding Co (BETR) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View BETR's current score at https://13fpro.ai/research/BETR (free sign-up required for the full ranking).

Where does 13F Pro source BETR data?

All Better Home & Finance Holding Co fundamentals and ownership data come directly from SEC EDGAR. Better Home & Finance Holding Co files with the SEC under CIK 1835856. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is BETR in?

Better Home & Finance Holding Co (BETR) is classified in the Financials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/financials.

How often is BETR research updated on 13F Pro?

BETR's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

Better Home & Finance Holding Co(BETR)Stock Analysis

AI analysis on 2,800+ stocks →Deep AI analysis on 2,800+ stocks →

Financials →Nasdaq

Institutional-grade research for retail investors

SEC EDGAR: CIK 1835856 BETR stock profile & AI dashboard →

13F Pro Quality Score

10.5/100

Rank #2,806 of 2,879 stocks

View Financials peers →

Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Aug 14, 2026.

Revenue Growth

1.1/100

Profitability

1.7/100

Balance Sheet

14.9/100

Earnings Quality

30.0/100

Free Cash Flow

1.4/100

Institutional Flow

94.8/100

Revenue Scale

3.8/100

Dilution Risk

14.6/100

BETR Stock Analysis & AI Quality Score

AI stock analysis and institutional research for Better Home & Finance Holding Co (BETR), a Financials sector company. 13F Pro's AI-powered ranking engine scores BETR at 10.5/100 on a 32-signal composite quality model, placing it at rank #2,806 of 2,879 stocks — the bottom half of the AI-ranked universe. BETR scores in the top quartile across institutional flow (94.8). Areas of concern include revenue growth (1.1) and free cash flow (1.4), which score below median versus the broader universe. Shareholder dilution risk is elevated at 14.6/100, reflecting ongoing share issuance or stock-based compensation. Based on the latest XBRL financial filings (Q1 2026), Better Home & Finance Holding Co reports quarterly revenue of $47.5M, net income of $-70.3M, free cash flow of $-125.6M. Top institutional holders of BETR by reported 13-F value include FRONTIER CAPITAL MANAGEMENT CO, SOFTBANK GROUP, HEALTHCARE OF ONTARIO PENSION PLAN FUND, based on the most recent SEC filings. BETR trades on the Nasdaq exchange and files with the SEC under CIK 1835856. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate BETR daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for Better Home & Finance Holding Co directly from SEC EDGAR. Better Home & Finance Holding Co's 13F Pro composite quality score has ranged between 7 and 28 since 2025, currently 10.5 — an improving long-term trajectory across 12 quarterly and live scoring snapshots.

✦

Fun facts about Better Home & Finance Holding Co

Quirks, history, and lore behind BETR — the kind of stuff that makes a stock memorable.

1
The Basics
U.S. financial services company · small-cap · listed on Nasdaq · headquartered in New York.
2
The Numbers
Revenue is measured in the tens of millions — not billions — and the company has spent much of its public life burning cash while chasing mortgage market share.
3
The History
Founded in the 2010s as a tech-forward challenger to traditional mortgage lenders, it rode the pandemic refinancing boom hard before rates turned against it.
4
The Secret
It went public via a SPAC merger — a route that let it skip the traditional IPO gauntlet — and landed on the exchange with considerable fanfare and considerable losses.
5
The Lore
Its founder famously clashed with the board, got ousted, then fought his way back into the CEO seat — a corporate drama that made headlines well beyond the mortgage industry.
6
The Giveaway
An online mortgage lender whose name promises a better home — and whose turbulent path to Wall Street was anything but smooth.

▶ Think you know your stocks? Play the Daily Ticker

Revenue

Q1 2026

$47.5M

Net Income

Q1 2026

$-70.3M

Free Cash Flow

Q1 2026

$-125.6M

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro+

Revenue

+52.0% YoY

$164.9MFY 2025

FY22 $378.0MFY23 $72.3MFY24 $108.5MFY25 $164.9M

Net Income

+19.6% YoY

$-165.9MFY 2025

FY22 $-877.1MFY23 $-536.4MFY24 $-206.3MFY25 $-165.9M

Operating Income

—FY 2025

FY22 $-858.9MFY23 $-291.3MFY24 —FY25 —

EPS (Diluted)

+20.9% YoY

$-10.80FY 2025

FY22 $-3.01FY23 $-58.09FY24 $-13.65FY25 $-10.80

Total Assets

+64.9% YoY

$1.51BFY 2025

FY22 $1.09BFY23 $905.6MFY24 $913.1MFY25 $1.51B

Op. Cash Flow

+56.2% YoY

$-166.6MFY 2025

FY22 $938.3MFY23 $-159.7MFY24 $-380.0MFY25 $-166.6M

Metric	FY 2025	FY 2024	FY 2023	FY 2022
Revenue	$164.9M +52.0%	$108.5M +50.0%	$72.3M -80.9%	$378.0M
Net Income	$-165.9M +19.6%	$-206.3M +61.5%	$-536.4M +38.8%	$-877.1M
Operating Income	—	—	$-291.3M +66.1%	$-858.9M
EPS (Diluted)	$-10.80 +20.9%	$-13.65 +76.5%	$-58.09 -1829.9%	$-3.01
Total Assets	$1.51B +64.9%	$913.1M +0.8%	$905.6M -16.7%	$1.09B
Operating Cash Flow	$-166.6M +56.2%	$-380.0M -137.9%	$-159.7M -117.0%	$938.3M

AI Insight: BETR Financial Trends

BETR stabilized revenue at $44–47M but net losses persist and deepened in Q1 2026, while operating cash flow remains highly volatile.

• Revenue grew from $25M (Q4 2024) to $47M (Q1 2026), a 88% increase over five quarters.

• Net losses widened to $70M in Q1 2026, worst result in the dataset; losses ranged $36–70M across last four quarters.

• Operating cash flow deteriorated to negative $125M in Q1 2026, most severe outflow since Q2 2024.

⚠ Equity collapsed from $45M (Q2 2024) to $9M (Q1 2026), a 80% erosion; negative equity persisted Q4 2024–Q1 2025.

⚠ Operating cash flow swung positive only once (Q3 2025, $4M) in eight quarters; deep red cash burn unresolved.

AI Insight: BETR Ratio Trends

BETR remains deeply unprofitable with operating margins deteriorating to -107.2% in Q1 2026, erasing six quarters of sequential improvement.

• Operating margin contracted sharply to -107.2% in Q1 2026 from -90.8% in Q4 2025, reversing gains made over H2 2025.

• Net profit margin worsened to -148.0% in Q1 2026 versus -90.1% in Q4 2025, signaling deteriorating core profitability.

• ROA improved from -25.7% in Q3 2024 to -10.6% in Q4 2025, but reversed to -17.9% in Q1 2026.

⚠ Q1 2026 marks worst operating margin since Q3 2024; sequential deterioration suggests structural profitability challenges persist.

⚠ No equity or ROIC metrics available for most periods; data gaps limit visibility into capital efficiency trends.

Get alerted when BETR's score changes

Free account: watchlist tracking, the daily AI brief, and the AI screener.

Passwordless sign-in · Payments by Stripe · Auth by Clerk

Available Research

13F Pro tracks comprehensive data for Better Home & Finance Holding Co including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of BETR

FRONTIER CAPITAL MANAGEMENT CO LLC
$28.3M793,934 sh
SOFTBANK GROUP CORP.
$22.4M628,553 sh
HEALTHCARE OF ONTARIO PENSION PLAN TRUST FUND
$20.6M578,960 sh
BlackRock, Inc.
$17.3M486,099 sh
VANGUARD CAPITAL MANAGEMENT LLC
$13.8M387,330 sh
UBS Group AG
$10.8M301,962 sh
GOLDMAN SACHS GROUP INC
$10.3M289,692 sh
CITADEL ADVISORS LLC
$8.2M229,966 sh
SUSQUEHANNA INTERNATIONAL GROUP, LLP
$7.8M220,100 sh
MORGAN STANLEY
$7.0M195,985 sh

Fund	Value	Shares
FRONTIER CAPITAL MANAGEMENT CO LLC	$28.3M	793,934
SOFTBANK GROUP CORP.	$22.4M	628,553
HEALTHCARE OF ONTARIO PENSION PLAN TRUST FUND	$20.6M	578,960
BlackRock, Inc.	$17.3M	486,099
VANGUARD CAPITAL MANAGEMENT LLC	$13.8M	387,330
UBS Group AG	$10.8M	301,962
GOLDMAN SACHS GROUP INC	$10.3M	289,692
CITADEL ADVISORS LLC	$8.2M	229,966
SUSQUEHANNA INTERNATIONAL GROUP, LLP	$7.8M	220,100
MORGAN STANLEY	$7.0M	195,985

More Financials Companies

View all Financials →

AAAU

Goldman Sachs Physical Gold ETF

AACB

Artius II Acquisition Inc.

AACI

Armada Acquisition Corp. III

AACO

Abony Acquisition Corp. I

AACP

Apogee Acquisition Corp

AAC-UN

Ares Acquisition Corp III

AAME

ATLANTIC AMERICAN CORP

AAMI

Acadian Asset Management Inc.

Put BETR on your watchlist

Track score changes the day Better Home & Finance Holding Co files with the SEC, follow the hedge funds that own it, screen 2,800+ AI-scored stocks, and get the daily brief — free.

View Pricing

Free tier includes 13F data, economic indicators, and market overview. Pro starts at $6.67/mo (billed annually).

Passwordless sign-in · Payments by Stripe · Auth by Clerk

Popular Research

AAPL

Apple

MSFT

Microsoft

NVDA

NVIDIA

GOOG

Alphabet

AMZN

Amazon

Is BETR a good stock to buy?

13F Pro's AI-powered analysis of Better Home & Finance Holding Co (BETR) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on Nasdaq). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for BETR are available on the BETR stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing.

Which hedge funds own BETR?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling BETR. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of Better Home & Finance Holding Co's investment landscape.