cash flow reconciliationreview2026-06-30
Operating, investing and financing flows differ from the reported change in cash by 11092000, beyond tolerance 1000000.
Revenue
$54.70M
Fiscal year ended 2026-06-30Net income
-$30.59M
Fiscal year ended 2026-06-30Total assets
$1.54B
Fiscal year ended 2026-06-30Better Home & Finance Holding Co (BETR) reported revenue of $54.70M and net income of -$30.59M for the fiscal year ended 2026-06-30. This page shows 10 annual periods of income statement, balance sheet and cash flow figures normalized from Better Home & Finance Holding Co’s SEC filings, each linked to the filing it came from. It is classified by the SEC under Loan Brokers.
Banks, brokers and insurers present a top line that is not comparable with an operating company’s revenue: it is reported net of interest expense, or as premiums earned, depending on the filer. The figures are the filer’s own and are traceable to the filing; the comparison across classes is what does not hold.
Income
| Metric | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $54.70M | $47.50M | $44.31M | $43.87M | $42.68M | $31.33M | $24.98M | $28.99M | $32.26M | $22.25M |
| Cost of revenue | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Gross profit | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Operating income | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Net income | -$30.59M | -$70.31M | -$39.92M | -$39.12M | -$36.27M | -$50.56M | -$59.22M | -$54.21M | -$41.36M | -$51.49M |
| Research & development | $8.77M | $8.36M | $7.02M | $6.73M | $6.41M | $6.65M | $6.82M | $7.25M | $6.58M | $5.46M |
| Weighted-average diluted shares | shares 18.65M | shares 16.41M | Unavailable | shares 15.26M | shares 15.19M | shares 15.17M | Unavailable | shares 15.12M | shares 15.10M | shares 15.08M |
| Pretax income | -$31.40M | -$50.92M | -$40.25M | -$38.98M | -$32.27M | -$45.83M | -$58.84M | -$54.08M | -$41.16M | -$51.35M |
| Income tax expense | $63.00K | -$1.57M | -$331.00K | $145.00K | $94.00K | $145.00K | $378.00K | $126.00K | $203.00K | $143.00K |
| Diluted EPS | $-1.64 | $-4.29 | Unavailable | $-2.56 | $-2.39 | $-3.33 | Unavailable | $-3.58 | $-2.74 | $-3.41 |
| Selling, general & administrative | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| General & administrative | $10.33M | $8.95M | $12.02M | $10.17M | $10.50M | $10.78M | $10.42M | $12.61M | $15.16M | $14.05M |
| Selling & marketing | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
Balance
| Metric | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & equivalents | $102.25M | $64.26M | $79.36M | $73.89M | $75.25M | $95.11M | $211.10M | $207.67M | $320.94M | $424.53M |
| Total assets | $1.54B | $1.57B | $1.51B | $1.38B | $1.23B | $1.00B | $913.06M | $845.16M | $957.88M | $841.59M |
| Current assets | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Total liabilities | $1.48B | $1.56B | $1.47B | $1.34B | $1.16B | $1.11B | $971.23M | $844.78M | $912.98M | $765.30M |
| Current liabilities | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Total equity incl. NCI | $57.90M | $8.55M | $37.18M | $41.91M | $76.56M | -$102.14M | -$58.17M | $388.00K | $44.91M | $76.29M |
| Temporary (mezzanine) equity | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Inventory | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Accounts receivable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Goodwill | $11.00M | $11.00M | $11.00M | $24.51M | $11.00M | $11.00M | $23.62M | $33.40M | $32.24M | $32.21M |
| Long-term debt | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Accounts payable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
Cash flow
| Metric | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating cash flow | $23.47M | -$125.18M | -$57.27M | $3.88M | -$56.00M | -$57.19M | -$106.03M | -$10.56M | -$220.58M | -$42.81M |
| Capital expenditures | $92.00K | $378.00K | $344.00K | $240.00K | $407.00K | $202.00K | $471.00K | $1.18M | $1.26M | $473.00K |
| Investing cash flow | $20.80M | -$11.59M | -$71.98M | -$207.56M | -$223.12M | -$158.84M | -$31.98M | -$48.85M | -$29.59M | -$33.39M |
| Financing cash flow | $3.68M | $105.24M | $158.96M | $190.02M | $246.53M | $118.82M | $146.02M | -$51.72M | $145.98M | -$1.15M |
| Net change in cash | $37.39M | -$12.82M | $29.15M | -$12.76M | -$36.06M | -$101.58M | $6.12M | -$110.32M | -$103.20M | -$77.46M |
| Stock-based compensation | $14.58M | $23.80M | $7.88M | $4.27M | $4.25M | $4.03M | $4.94M | $5.49M | $7.56M | $8.76M |
| Common dividends paid | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Common share repurchases | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | $0 | $0 |
| Depreciation & amortization | $2.97M | $3.00M | $3.16M | $3.40M | $3.29M | $3.77M | $7.90M | $8.26M | $7.99M | $9.07M |
Derived
| Metric | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 |
|---|---|---|---|---|---|---|---|---|---|---|
| Free cash flow | $23.37M | -$125.55M | -$57.61M | $3.64M | -$56.40M | -$57.39M | -$106.50M | -$11.75M | -$221.84M | -$43.28M |
| Gross margin | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Operating margin | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| FCF margin | 42.7% | -264.3% | -130.0% | 8.3% | -132.1% | -183.2% | -426.3% | -40.5% | -687.6% | -194.5% |
| SBC / revenue | 26.7% | 50.1% | 17.8% | 9.7% | 10.0% | 12.9% | 19.8% | 18.9% | 23.4% | 39.4% |
| Current ratio | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Revenue YoY growth | 28.2% | 51.6% | 77.4% | 51.3% | 32.3% | 40.8% | 41.0% | 490.9% | 3.8% | 19.5% |
| Net margin | -55.9% | -148.0% | -90.1% | -89.2% | -85.0% | -161.4% | -237.1% | -187.0% | -128.2% | -231.4% |
| R&D / revenue | 16.0% | 17.6% | 15.8% | 15.3% | 15.0% | 21.2% | 27.3% | 25.0% | 20.4% | 24.5% |
| CapEx / revenue | 0.2% | 0.8% | 0.8% | 0.5% | 1.0% | 0.6% | 1.9% | 4.1% | 3.9% | 2.1% |
| Long-term debt / equity | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Effective tax rate | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
Amounts are abbreviated; the exact reported value is carried in each cell. — means unavailable, not zero. Open BETR in the interactive workspace to inspect any figure back to its filing.
Source filings
10-Q · Filed 2026-08-11View SEC filing
10-Q · Filed 2026-05-11View SEC filing
10-K · Filed 2026-03-13View SEC filing
10-Q · Filed 2025-11-13View SEC filing
10-Q · Filed 2025-08-13View SEC filing
10-Q · Filed 2025-05-14View SEC filing
Reconciliation checks needing review
6 periods on this page do not reconcile under this site’s normalization. Read that as a limitation here before an observation about the company: the figures are the filer’s own, the filings linked above are authoritative, and a difference usually means the concepts this site selected do not match how this filer presents its statements. Nothing is adjusted to make a check pass.
cash flow reconciliationreview2026-03-31
Operating, investing and financing flows differ from the reported change in cash by 19519000, beyond tolerance 1251760.00.
cash flow reconciliationreview2025-09-30
Operating, investing and financing flows differ from the reported change in cash by 10347000, beyond tolerance 2075620.00.
cash flow reconciliationreview2025-06-30
Operating, investing and financing flows differ from the reported change in cash by 5380000, beyond tolerance 2465300.00.
cash flow reconciliationreview2025-03-31
Operating, investing and financing flows differ from the reported change in cash by 4967000, beyond tolerance 1588430.00.
balance equationreview2022-09-30
Difference 179109675 exceeds tolerance 1000000. Presentation or filing-vintage differences need review.