Better Home & Finance Holding Co Financial Summary

Complete Filing Data

Better Home & Finance Holding Co reported Stockholders Equity of $37.18 million for FY2025.

All values from 10-K, 20-F, and 10-Q filings on SEC EDGAR, organized by financial statement. Scroll each table horizontally for the full history. Blank cells mean Better Home & Finance Holding Co did not report that metric for that period in XBRL — often because accounting standards changed which tag a company files under (for example, most companies moved revenue to the ASC-606 tag in 2018), so a metric may continue in a different row. Rows marked * merge those successor tags into one continuous series, preferring the audited value from the newest-standard tag where periods overlap.

Income Statement

Annual (10-K / 20-F)

Metric \ Fiscal YearFY2025FY2024FY2023FY2022FY2021
Net Income *-$165.9M-$206.3M-$536.4M-$877.1M-$6.5M
Operating Income Loss-$291.3M-$858.9M-$8.1M
Revenues Net Of Interest Expense$164.9M$108.5M$72.3M$378.0M
Research And Development Expense$27.9M$26.1M$39.4M$124.3M
Income Loss From Continuing Operations Before Income Taxes Extraordinary Items Noncontrolling Interest-$165.8M-$205.4M-$534.4M-$876.0M
General And Administrative Expense$45.3M$52.2M$60.2M$185.9M
Comprehensive Income Net Of Tax-$160.3M-$206.5M-$536.7M-$878.4M
Other Comprehensive Income Loss Foreign Currency Transaction And Translation Adjustment Net Of Tax$5.6M-$222.0K-$291.0K-$1.3M
Income Tax Expense Benefit$53.0K$850.0K$2.0M$1.1M
Amortization Of Intangible Assets$13.0M$26.1M$37.1M$35.7M
Interest Income Expense Net$17.4M$17.5M-$2.6M$9.7M
Other Asset Impairment Charges$12.5M$16.4M$9.4M$145.5M
Income Taxes Paid Net$1.7M-$677.0K-$8.5M$1.8M
Revenue From Contract With Customer Including Assessed Tax$11.3M$12.9M$16.1M

Quarterly (10-Q, single quarters)

Metric \ QuarterQ3 2025Q2 2025Q1 2025Q3 2024Q2 2024Q1 2024Q3 2023Q2 2023Q1 2023Q3 2022Q2 2022Q1 2022Q3 2021Q2 2021Q1 2021Q4 2020
Net Income *-$39.1M-$36.3M-$50.6M-$54.2M-$41.4M-$51.5M-$353.9M-$44.0M-$87.6M-$226.6M$1.8M$1.0M-$867.1K-$4.8M-$1.7M-$20.0K
Operating Income Loss-$105.7M-$1.8M-$84.7M-$177.3M-$2.6M-$1.1M-$2.3M-$1.2M-$98.4K-$20.0K
Revenues Net Of Interest Expense$43.9M$44.1M$32.6M$29.0M$32.3M$22.3M$4.9M$31.1M$18.6M$28.7M
Research And Development Expense$6.7M$6.9M$7.2M$7.2M$6.6M$5.5M$6.3M$11.2M$14.4M$29.4M
Income Loss From Continuing Operations Before Income Taxes Extraordinary Items Noncontrolling Interest-$39.0M-$36.2M-$50.4M-$54.1M-$41.2M-$51.3M-$353.2M-$43.6M-$86.2M-$226.7M
General And Administrative Expense$10.2M$11.5M$11.6M$12.6M$15.2M$14.0M$14.2M$12.7M$16.8M$46.5M
Comprehensive Income Net Of Tax-$40.9M-$31.0M-$48.3M-$50.2M-$40.8M-$51.8M-$354.6M-$44.1M-$87.8M-$226.8M
Other Comprehensive Income Loss Foreign Currency Transaction And Translation Adjustment Net Of Tax-$1.7M$5.3M$2.2M$4.1M$579.0K-$313.0K-$697.0K-$76.0K-$152.0K-$155.0K
Income Tax Expense Benefit$145.0K$94.0K$145.0K$126.0K$203.0K$143.0K$659.0K$456.0K$1.4M-$52.0K
Amortization Of Intangible Assets$3.3M$3.2M$3.6M$6.0M$7.1M$8.0M$9.3M$9.4M$9.4M$9.0M
Interest Income Expense Net$4.7M$4.1M$3.9M$4.4M$5.2M$3.8M-$10.7M-$41.0K$2.1M
Other Asset Impairment Charges$139.0K$0.00$4.5M
Income Taxes Paid Net-$680.0K$247.0K-$6.0M
Revenue From Contract With Customer Including Assessed Tax$2.8M$3.3M$4.0M$3.1M$2.9M$2.8M$4.0M$4.7M$4.9M

Balance Sheet

Annual (10-K / 20-F)

Metric \ Fiscal YearFY2025FY2024FY2023FY2022FY2021FY2020
Stockholders Equity$37.2M-$58.2M$122.6M$242.6M$5.0K
Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents$116.6M$235.5M$528.1M$346.1M$978.9M$0.00
Retained Earnings Accumulated Deficit-$2.08B-$1.91B-$1.70B-$1.17B-$6.5M-$20.0K
Liabilities$1.47B$971.2M$783.0M$1.25B$28.9M$557.7K
Assets$1.51B$913.1M$905.6M$1.08B$279.1M$562.7K
Liabilities And Stockholders Equity$1.51B$913.1M$905.6M$1.08B$279.1M$562.7K
Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Period Increase Decrease Including Exchange Rate Effect-$121.2M-$284.9M$182.0M-$632.8M$37.6K
Cash And Cash Equivalents At Carrying Value$99.8M$211.1M$503.6M$318.0M$37.6K
Goodwill$11.0M$23.6M$32.4M$17.4M$18.7M
Stockholders Equity Note Subscriptions Receivable Vesting Of Common Stock$8.0K$0.00$14.6M
Temporary Equity Carrying Amount Attributable To Parent$0.00$436.3M
Liabilities Current$7.1M$557.7K
Notes Payable Related Parties Classified Current$1.4M$25.7K
Assets Current$1.1M$5.0K
Deferred Offering Costs Noncurrent$8.5M
Accounts Payable And Accrued Liabilities Current$5.7M$531.9K
Restricted Cash$16.8M$24.4M$24.5M$28.1M
Accounts Payable And Accrued Liabilities Current And Noncurrent$74.6M$48.1M$66.6M$82.4M
Stockholders Equity Note Subscriptions Receivable$0.00$9.2M$10.1M$53.2M
Operating Lease Liability$4.6M$4.1M$31.2M$57.5M
Assets Held In Trust Noncurrent$278.0M
Prepaid Expense And Other Assets$27.9M$33.9M$51.4M$66.6M
Other Receivables$14.8M$17.5M$16.9M$16.6M
Operating Lease Right Of Use Asset$4.7M$1.4M$20.0M$39.7M
Property Plant And Equipment And Finance Lease Right Of Use Asset After Accumulated Depreciation And Amortization$1.9M$2.7M$16.5M$30.4M
Other Liabilities$6.5M$13.5M$25.8M$59.9M

Quarterly (10-Q, single quarters)

Metric \ QuarterQ3 2025Q2 2025Q1 2025Q3 2024Q2 2024Q1 2024Q3 2023Q2 2023Q1 2023Q4 2022Q3 2022Q2 2022Q1 2022Q3 2021Q2 2021Q1 2021Q4 2020
Stockholders Equity$41.9M$76.6M-$102.1M$388.0K$44.9M$76.3M$166.4M-$726.3M-$686.9M-$604.2M-$355.1M-$139.2M$8.2M$4.8M$5.7M$10.5M
Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents$86.4M$97.8M$135.8M$237.1M$347.4M$450.6M$554.6M$134.9M$250.7M$427.5M$35.3K$36.5K$117.2K$244.0K$2.0M
Retained Earnings Accumulated Deficit-$2.04B-$2.00B-$1.96B-$1.85B-$1.80B-$1.76B-$3.2M-$2.3M-$4.0M-$8.5M-$7.7M-$2.3M
Liabilities$1.34B$1.16B$1.11B$844.8M$913.0M$765.3M$24.3M$17.5M$27.8M$31.2M$30.3M$25.9M
Assets$1.38B$1.23B$1.00B$845.2M$957.9M$841.6M$284.7M$278.8M$279.0M$279.0M$279.0M$280.0M
Liabilities And Stockholders Equity$1.38B$1.23B$1.00B$845.2M$957.9M$841.6M$284.7M$278.8M$279.0M$279.0M$279.0M$280.0M
Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Period Increase Decrease Including Exchange Rate Effect-$100.0M-$77.5M-$95.4M-$1.2K$2.0M$0.00
Cash And Cash Equivalents At Carrying Value$73.9M$87.1M$110.6M$207.7M$320.9M$424.5M$526.8M$109.9M$225.4M$398.0M$35.3K$36.5K$117.2K$244.0K$2.0M
Goodwill$24.5M$24.8M$24.0M$33.4M$32.2M$32.2M$31.4M$33.3M$20.5M
Stockholders Equity Note Subscriptions Receivable Vesting Of Common Stock-$3.0K$0.00$8.0K$1.3M$991.0K$2.0M$3.0M
Temporary Equity Carrying Amount Attributable To Parent$0.00$436.3M$436.3M$436.3M$436.3M$436.3M$243.0M$243.0M
Liabilities Current$20.3M$17.5M$15.0M$18.0M$10.0M$8.0M$3.2M$875.2K$676.1K
Notes Payable Related Parties Classified Current$412.4K$412.4K$2.8M$2.8M$2.3M$1.8M$462.3K$462.3K$212.3K
Assets Current$2.6M$1.0M$419.2K$4.9M$359.7K$943.7K$967.7K$986.9K$2.0M
Deferred Offering Costs Noncurrent$8.5M$8.5M$8.5M$8.5M
Accounts Payable And Accrued Liabilities Current$3.6M$5.8M$4.7M$7.7M$7.7M$6.2M$2.7M$412.9K
Restricted Cash$12.6M$10.6M$25.2M$29.4M$26.5M$26.1M$27.8M$25.0M$25.3M$29.4M
Accounts Payable And Accrued Liabilities Current And Noncurrent$74.3M$63.8M$58.9M$68.6M$62.3M$55.7M
Stockholders Equity Note Subscriptions Receivable$9.2M$9.2M$9.2M$9.1M$9.1M$11.0M
Operating Lease Liability$5.1M$6.0M$7.5M$4.8M$27.2M$29.2M$33.3M
Assets Held In Trust Noncurrent$21.3M$21.1M$282.3M$279.8M$278.5M$278.0M$278.0M$278.0M$278.0M
Prepaid Expense And Other Assets$30.0M$33.4M$35.9M$36.6M$55.0M$55.7M$56.2M
Other Receivables$32.9M$30.9M$28.7M$17.3M$20.4M$11.5M
Operating Lease Right Of Use Asset$4.7M$4.8M$5.5M$3.5M$17.7M$18.8M$23.6M
Property Plant And Equipment And Finance Lease Right Of Use Asset After Accumulated Depreciation And Amortization$1.9M$1.9M$2.4M$12.8M$16.3M$15.9M$17.8M
Other Liabilities$6.5M$20.1M$14.6M$15.0M$17.3M$21.8M$40.3M

Cash Flow Statement

Annual (10-K / 20-F)

Metric \ Fiscal YearFY2025FY2024FY2023FY2022FY2021
Net Cash Provided By Used In Operating Activities-$166.6M-$380.0M-$159.7M$938.3M-$3.2M
Net Cash Provided By Used In Financing Activities$714.3M$239.1M$381.4M-$1.54B$281.3M
Increase Decrease In Accounts Payable And Accrued Liabilities$17.0M-$21.1M-$22.2M-$43.6M$5.2M
Net Cash Provided By Used In Investing Activities-$661.5M-$143.8M-$38.6M-$34.6M-$278.0M
Increase Decrease In Prepaid Expense-$392.8K$521.7K
Employee Service Share Based Compensation Allocation Of Recognized Period Costs Capitalized Amount$1.4M$1.8M$4.1M$4.1M
Proceeds From Related Party Debt$1.4M$1.3M
Share Based Compensation$20.4M$26.8M$54.2M$30.5M
Increase Decrease In Prepaid Deferred Expense And Other Assets-$9.5M-$16.9M-$14.7M$2.9M
Proceeds From Sale Of Mortgage Loans Held For Sale$4.74B$3.48B$3.09B$12.04B
Increase Decrease In Operating Lease Liability$548.0K-$6.2M-$10.8M-$16.2M
Increase Decrease In Other Receivables-$2.3M$1.9M$97.0K-$37.5M
Payments To Develop Software$10.0M$6.7M$9.3M$23.5M
Payments To Acquire Property Plant And Equipment$1.2M$3.4M$456.0K$11.7M
Payments For Origination Of Mortgage Loans Held For Sale$4.68B$3.65B$2.97B$10.51B
Increase Decrease In Other Operating Liabilities-$3.5M$1.5M-$29.9M-$19.8M

Quarterly (10-Q, single quarters)

Metric \ QuarterQ3 2025Q2 2025Q1 2025Q3 2024Q2 2024Q1 2024Q3 2023Q2 2023Q1 2023Q3 2022Q1 2022Q1 2021Q4 2020
Net Cash Provided By Used In Operating Activities-$57.2M-$42.8M-$162.8M-$377.9K-$80.7K-$20.0K
Net Cash Provided By Used In Financing Activities$118.8M-$1.1M$73.8M$400.0K$280.1M$20.0K
Increase Decrease In Accounts Payable And Accrued Liabilities$10.4M-$14.5M$18.2M$567.7K$14.0K
Net Cash Provided By Used In Investing Activities-$158.8M-$33.4M-$6.0M-$23.3K-$278.0M
Increase Decrease In Prepaid Expense-$81.4K-$108.1K-$3.8K$5.0K
Employee Service Share Based Compensation Allocation Of Recognized Period Costs Capitalized Amount$300.0K$400.0K$410.0K$400.0K$500.0K$383.0K$2.7M$700.0K$689.0K$800.0K
Proceeds From Related Party Debt$400.0K$80.7K$25.7K
Share Based Compensation$4.0M$8.8M$4.4M
Increase Decrease In Prepaid Deferred Expense And Other Assets$2.0M-$519.0K$3.8M
Proceeds From Sale Of Mortgage Loans Held For Sale$887.7M$663.0M$696.6M
Increase Decrease In Operating Lease Liability$3.4M-$2.0M-$4.0M
Increase Decrease In Other Receivables$11.5M-$5.4M$4.0M
Payments To Develop Software$2.3M$386.0K$3.5M
Payments To Acquire Property Plant And Equipment$202.0K$473.0K$48.0K
Payments For Origination Of Mortgage Loans Held For Sale$875.3M$650.5M$828.7M
Increase Decrease In Other Operating Liabilities$3.2M$45.0K-$2.6M

Per-Share & Share Counts

Annual (10-K / 20-F)

Metric \ Fiscal YearFY2025FY2024FY2023FY2022FY2021
Earnings Per Share Diluted$-10.80$-13.65$-58.09$-3.01
Earnings Per Share Basic$-10.80$-13.65$-58.09$-3.01
Weighted Average Number Of Shares Outstanding Basic15.4M15.1M9.2M291.3M19.8M
Weighted Average Number Of Diluted Shares Outstanding15.4M15.1M9.2M291.3M
Preferred Stock Shares Outstanding0.00
Preferred Stock Shares Issued0.00
Preferred Stock Shares Authorized5.0M
Preferred Stock Par Or Stated Value Per Share$0.00
Temporary Equity Shares Outstanding0.00332.3M

Quarterly (10-Q, single quarters)

Metric \ QuarterQ3 2025Q2 2025Q1 2025Q3 2024Q2 2024Q1 2024Q3 2023Q2 2023Q1 2023Q4 2022Q3 2022Q2 2022Q1 2022Q3 2021Q2 2021Q1 2021
Earnings Per Share Diluted$-2.56$-2.39$-3.33$-3.58$-2.74$-3.41$-35.63$-0.15$-0.29$-0.77
Earnings Per Share Basic$-2.56$-2.39$-3.33$-3.58$-2.74$-3.41$-35.63$-0.15$-0.29$-0.77
Weighted Average Number Of Shares Outstanding Basic15.3M15.2M15.2M15.1M15.1M15.1M9.9M298.2M297.5M292.7M
Weighted Average Number Of Diluted Shares Outstanding15.3M15.2M15.2M15.1M15.1M15.1M9.9M298.2M297.5M292.7M
Preferred Stock Shares Outstanding0.000.000.000.000.000.000.000.000.00
Preferred Stock Shares Issued0.000.000.000.000.000.000.000.000.00
Preferred Stock Shares Authorized5.0M5.0M5.0M5.0M5.0M5.0M5.0M5.0M5.0M
Preferred Stock Par Or Stated Value Per Share$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00
Temporary Equity Shares Outstanding0.006.6M332.3M6.6M332.3M332.3M

Other Metrics

Annual (10-K / 20-F)

Metric \ Fiscal YearFY2025FY2024FY2023FY2022FY2021FY2020
Fair Value Adjustment Of Warrants$69.0K-$924.0K$507.0K$0.00-$1.6M
Additional Paid In Capital$2.11B$1.86B$1.84B$618.1M$13.7M$24.3K
Operating Costs And Expenses$8.6M$8.1M
Marketing And Advertising Expense$38.4M$34.0M$19.5M$69.0M
Costs And Expenses$330.7M$313.9M$606.8M$1.24B
Adjustments To Additional Paid In Capital Sharebased Compensation Requisite Service Period Recognition Value$21.9M$28.5M$58.3M$34.5M
Investment Income Interest$4.3M$19.5K
Prepaid Expense Current$526.7K$5.0K
Provision Recovery For Loan Repurchase Reserve-$821.0K-$9.9M-$1.8M$33.5M
Interest Income Operating$60.3M$39.0M$29.0M$26.7M
Shares Subject To Mandatory Redemption Settlement Terms Fair Value Of Shares13.3M
Stock Issued During Period Value New Issues$29.2M$656.0K$14.5M
Unrealized Gain Loss On Derivatives-$673.0K$1.7M-$452.0K-$5.7M
Mortgage Loans Held For Sale Change In Fair Value-$7.4M-$2.3M$26.0K$54.3M
Interest Paid Net$21.8M$13.8M$12.0M$13.1M

Quarterly (10-Q, single quarters)

Metric \ QuarterQ3 2025Q2 2025Q1 2025Q3 2024Q2 2024Q1 2024Q3 2023Q2 2023Q1 2023Q4 2022Q3 2022Q2 2022Q1 2022Q3 2021Q2 2021Q1 2021Q4 2020
Fair Value Adjustment Of Warrants-$228.0K-$823.0K-$861.0K-$253.1K-$553.0K$0.00-$3.8M-$2.1M-$1.4M$4.2M$1.8M
Additional Paid In Capital$2.08B$2.08B$1.87B$1.86B$1.85B$1.84B$19.1M$20.6M$12.3M$13.3M$13.3M$13.3M
Operating Costs And Expenses$1.8M$1.8M$3.4M$2.6M$1.1M$2.3M$1.2M$98.4K$20.0K
Marketing And Advertising Expense$10.5M$11.1M$8.7M$12.1M$8.5M$4.6M$5.1M$3.1M$7.8M$9.9M
Costs And Expenses$82.8M$80.3M$83.0M$83.1M$73.4M$73.6M$358.1M$74.6M$104.8M$206.0M
Adjustments To Additional Paid In Capital Sharebased Compensation Requisite Service Period Recognition Value$4.5M$4.6M$4.4M$5.9M$8.1M$9.1M$42.1M$5.1M$5.9M$11.8M
Investment Income Interest$192.3K$2.0M$1.4M$420.5K$23.3K$9.3K$3.1K$23.3K
Prepaid Expense Current$76.0K$52.5K$133.9K$216.2K$324.4K$418.5K$634.8K$742.9K$1.3K
Provision Recovery For Loan Repurchase Reserve$1.4M-$422.0K-$2.1M-$3.2M-$3.4M-$3.6M$866.0K-$2.8M$2.1M$11.7M
Interest Income Operating$16.9M$14.2M$10.4M$9.9M$9.4M$8.6M$4.0M$7.6M$6.4M$5.0M
Shares Subject To Mandatory Redemption Settlement Terms Fair Value Of Shares480.6K733.7K472.5K6.4M7.4M11.3M19.5M21.0M16.8M
Stock Issued During Period Value New Issues$589.0K$2.3M$1.4M$5.3M$25.0K
Unrealized Gain Loss On Derivatives$1.1M$410.0K-$4.5M
Mortgage Loans Held For Sale Change In Fair Value-$5.3M$829.0K$36.7M
Interest Paid Net$2.8M$2.6M$2.5M

Most recent annual filing with the SEC: March 13, 2026

Data sourced from SEC EDGAR public filings as of August 9, 2026.