BETR — Better Home & Finance Holding Company

Stock analysis, trade plans, and proprietary indicators by Trend Edge.

Trend Edge Setup Score

Trend Edge rates BETR Bearish with a Setup Score of 39, net conviction 22, actionability 70. How the Setup Score works →

Total Setup Score39
Directional BiasBearish
Net Conviction22
Actionability70 (in range)

Key signals behind this score

About Better Home & Finance Holding Company

Better Home & Finance Holding Company operates as a homeownership company in the United States. 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. Read full Trend Edge analysis →

Trend Edge Proprietary Indicators

Key Metrics

Current Price$13.41
Market Cap$220M
Float9.1M
Shares Outstanding13.2M
Price/Sales (TTM)1.14
vs. Analyst Target+91.4% to analyst PT
Profit Margin-93.21%
Operating Margin (TTM)-56.86%
Revenue (TTM)$193M
Dividend RateNone
Analyst Target Price$25.67

Financial History

Annual Revenue & Earnings History

YearRevenueNet IncomeGross ProfitEBITDA
2020 N/A -$20,000 N/A -$20,000
2021 $1.31B -$301M $342M -$175M
2022 $395M -$877M -$298M -$523M
2023 $88.5M -$536M -$61.3M -$460M
2024 $120M -$206M -$42.5M -$155M
2025 $191M -$166M $149M -$109M

Recent Quarterly Revenue & Net Income

QuarterRevenueNet Income
Sep 2025 $44.2M -$39.1M
Dec 2025 $53.3M -$39.9M
Mar 2026 $53.2M -$70.3M
Jun 2026 $60.9M -$30.6M

Ownership & Float

Insider Ownership32.9%
Institutional Ownership50.6%
Short Float27.2%
% of All Funds Holding1.03%
Number of Funds Holding91

Current Moving Averages

Trend Edge tracks near-term, medium-term, cyclical, and secular moving averages across weekly and monthly timeframes to identify trend structure at every horizon.

TimeframeSMAValueTrend Context
Weekly10-Week SMA$20.30Near-term / short-term trend
Weekly40-Week SMA$30.29Medium-term trend
Weekly80-Week SMA$27.68Cyclical trend (business cycle)
Weekly200-Week SMA$152.92Secular trend (multi-year)
Monthly10-Month SMA$31.45Near-term monthly trend
Monthly20-Month SMA$27.61Medium-term monthly trend
Monthly40-Month SMA$107.47Secular monthly trend

Volume Shelves — Support & Resistance

Trend Edge identifies volume shelves: price zones where historically elevated trading volume creates structural support or resistance. A volume shelf forms when a disproportionate share of cumulative volume was transacted at a specific price level, making it a high-conviction anchor for future price reactions.

Price LevelTypeVolume RatioAge
$23.60 resistance 1.74x 0 months ago
$46.00 resistance 1.34x 7 months ago
$72.00 resistance 1.67x 8 months ago
$13.10 support 1.22x 11 months ago

Historical Earnings Reactions (22 events)

TimeframeAvg ReturnMedianWin RateBestWorst
Gap -0.13% 0.00% 45.45% 4.49% -9.42%
1 Day -1.51% -0.05% 31.82% 10.28% -16.76%
1 Week -2.33% -0.23% 31.82% 27.88% -24.61%
2 Weeks -1.71% 0.03% 50.00% 35.63% -33.73%
1 Month 14.30% 0.10% 52.38% 322.73% -53.04%

Next earnings: October 23, 2026 (57 days away)

Seasonality & Day-of-Week Patterns

Monthly Seasonality

Insufficient historical data for monthly seasonality analysis (requires 7+ years of data).

Day-of-Week Tendencies

DayAvg ReturnWin RateSamples
Monday 0.26% 41.8% 249
Tuesday 0.65% 38.8% 276
Wednesday 0.07% 42.3% 274
Thursday -0.61% 41.6% 267
Friday 0.19% 42.2% 268

Top Institutional Holders

Institutional holder breakdown coming soon.

Total institutional ownership: 50.6%

Insider Transactions — Smart Summary

Total insider ownership: 32.9%

12-Month Insider Activity Summary

Total Filings39
Net Value-$1.7M
Net Shares Change-475,139
% of Float-5.2%
C-Suite Filings24
Clusters Detected4

Key Insiders

NameTitleNet ValueFilingsActivity
Framework Ventures IV L.P. +$9.9M 3 3 buy
Garg Vishal Chief Executive Officer +$740,512.76 2 2 buy
FRATER HUGH R +$125,351 1 1 buy
Smith Chad M. President, BMC -$42,508.178 1 1 sell
Orn Jonsson Sigurgeir Chief Technology Officer +$36,089.2 1 1 buy
Advani Loveen Chief Financial Officer +$15,700 2 2 buy

Transaction Clusters

PeriodFilingsInsidersNet ValueSeniority
2026-01-02 – 2026-01-14 3 3 -$357,392.319 2 C-suite
2026-03-11 – 2026-03-25 8 3 +$11.8M 3 C-suite
2026-04-06 – 2026-04-10 8 6 +$2.6M 3 C-suite
2026-05-07 – 2026-05-21 7 4 +$1.3M 6 C-suite

Significant Filings

DateInsiderTitleNet ValuePrice After
2026-06-11 FRATER HUGH R +$125,351 Transaction at $24.34, now -44.9%
2026-08-20 Smith Chad M. President, BMC -$42,508.178 Transaction at $12.85, now +4.3%
2026-05-20 Garg Vishal Chief Executive Officer +$389,993.76 Transaction at $25.00, now -46.4%
2026-05-13 Advani Loveen Chief Financial Officer +$15,345 Transaction at $30.69, now -56.3%
2026-04-08 Orn Jonsson Sigurgeir Chief Technology Officer +$36,089.2 Transaction at $36.09, now -62.8%
2026-04-08 Garg Vishal Chief Executive Officer +$350,519 Transaction at $35.05, now -61.7%

View full insider transaction history on Trend Edge →

AI Consult Analysis

Trend Edge's AI Consult feature delivers a comprehensive, multi-layer trade plan for Better Home & Finance Holding Company (BETR) powered by Claude Opus — Anthropic's most capable AI model. The analysis covers five layers: technical analysis (near-term, medium-term, cyclical, and secular trend, momentum, volume shelf support and resistance, breakout and breakdown signals), qualitative analysis (business model, competitive moat, sector dynamics), insider sentiment (buy and sell signals from executive and director transactions), share stats analysis (institutional accumulation, fund positioning, short float squeeze potential), and fundamental analysis (valuation, revenue growth, profit margin, earnings quality).

AI Consult synthesizes all five layers into a single bullish or bearish thesis with explicit entry, exit, stop loss, and take profit levels — giving you a complete, AI-powered trade plan with defined risk/reward. Whether you are building a long position, initiating a short, or looking for a reversal setup, AI Consult identifies the highest-probability signal from the current trend.

Get the full AI Consult analysis for BETR on Trend Edge →