Better Home & Finance Holding Company (BETR) - Net Assets
Based on the latest financial reports, Better Home & Finance Holding Company (BETR) has net assets worth $37.18 Million USD as of December 2025. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($1.51 Billion) and total liabilities ($1.47 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off. Check how resilient are Better Home & Finance Holding Company's assets to evaluate the company's liquid asset resilience ratio.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $37.18 Million |
| % of Total Assets | 2.47% |
| Annual Growth Rate | 9.2% |
| 5-Year Change | -94.5% |
| 10-Year Change | N/A |
| Growth Volatility | 549.6 |
Better Home & Finance Holding Company - Net Assets Trend (2015–2025)
This chart illustrates how Better Home & Finance Holding Company's net assets have evolved over time, based on quarterly financial data. Also explore BETR total assets for the complete picture of this company's asset base.
Annual Net Assets for Better Home & Finance Holding Company (2015–2025)
The table below shows the annual net assets of Better Home & Finance Holding Company from 2015 to 2025. For live valuation and market cap data, see BETR market cap.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | $37.18 Million | +163.92% |
| 2024-12-31 | $-58.17 Million | -147.45% |
| 2023-12-31 | $122.60 Million | +173.02% |
| 2022-12-31 | $-167.90 Million | -124.82% |
| 2021-12-31 | $676.44 Million | +1207.53% |
| 2016-12-31 | $51.73 Million | +235.43% |
| 2015-12-31 | $15.42 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to Better Home & Finance Holding Company's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have decreased by 14298.4% over the analyzed period, potentially due to dividend distributions or operating losses.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Common Stock | $2.00K | 0.01% |
| Other Comprehensive Income | $3.66 Million | 9.84% |
| Other Components | $2.11 Billion | 5674.00% |
| Total Equity | $37.18 Million | 100.00% |
Better Home & Finance Holding Company Competitors by Market Cap
The table below lists competitors of Better Home & Finance Holding Company ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Shenzhen Minkave Technology Co Ltd
SHE:300506
|
$472.29 Million |
|
Shanghai Model Organisms Center Inc
SHG:688265
|
$472.31 Million |
|
Sikarin Public Company Limited
BK:SKR
|
$472.51 Million |
|
Lanpec Technologies Ltd
SHG:601798
|
$472.61 Million |
|
Cantor Equity Partners IV, Inc. Class A Ordinary Shares
NASDAQ:CEPF
|
$471.62 Million |
|
Changzhou Shenli Electrical Machine Incorporated Co
SHG:603819
|
$471.54 Million |
|
Temple & Webster Group Ltd
AU:TPW
|
$471.47 Million |
|
Shanghai Huide Science & Technology Co Ltd
SHG:603192
|
$471.28 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Better Home & Finance Holding Company's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from -58,170,000 to 37,183,000, a change of 95,353,000.
- Net loss of 165,871,000 reduced equity.
- New share issuances of 29,221,000 increased equity.
- Other comprehensive income increased equity by 5,593,000.
- Other factors increased equity by 226,410,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $-165.87 Million | -446.09% |
| Share Issuances | $29.22 Million | +78.59% |
| Other Comprehensive Income | $5.59 Million | +15.04% |
| Other Changes | $226.41 Million | +608.91% |
| Total Change | $- | % |
Book Value vs Market Value Analysis
This analysis compares Better Home & Finance Holding Company's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 18.30x
- The company is trading at a significant premium to its book value, suggesting the market values its earnings potential, brand, or other intangibles highly.
- The price-to-book ratio has decreased from 215.29x to 18.30x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2015-12-31 | $0.21 | $44.38 | x |
| 2016-12-31 | $0.72 | $44.38 | x |
| 2021-12-31 | $0.92 | $44.38 | x |
| 2022-12-31 | $-0.23 | $44.38 | x |
| 2023-12-31 | $0.27 | $44.38 | x |
| 2024-12-31 | $-3.85 | $44.38 | x |
| 2025-12-31 | $2.42 | $44.38 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Better Home & Finance Holding Company utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): -446.09%
- The company may be facing challenges in efficiently utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: -86.67%
- • Asset Turnover: 0.13x
- • Equity Multiplier: 40.49x
- Recent ROE (-446.09%) is below the historical average (-115.90%), suggesting potential challenges in capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2015 | 64.09% | 5.37% | 0.51x | 23.39x | $8.34 Million |
| 2016 | 52.76% | 10.08% | 0.32x | 16.20x | $22.12 Million |
| 2021 | -44.52% | -22.96% | 0.40x | 4.88x | $-368.77 Million |
| 2022 | 0.00% | -222.00% | 0.36x | 0.00x | $-860.29 Million |
| 2023 | -437.54% | -606.12% | 0.10x | 7.39x | $-548.68 Million |
| 2024 | 0.00% | -171.83% | 0.13x | 0.00x | $-200.47 Million |
| 2025 | -446.09% | -86.67% | 0.13x | 40.49x | $-169.59 Million |
Industry Comparison
This section compares Better Home & Finance Holding Company's net assets metrics with peer companies in the Mortgage Finance industry.
Industry Context
- Industry: Mortgage Finance
- Average net assets among peers: $3,890,749,346
- Average return on equity (ROE) among peers: 5.68%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Better Home & Finance Holding Company (BETR) | $37.18 Million | 64.09% | 39.49x | $472.18 Million |
| Better Home & Finance Holding Company (BETR) | $51.73 Million | 52.76% | 15.20x | $430.66 Million |
| Eastside Distilling, Inc. (BLNE) | $18.75 Million | -48.25% | 0.41x | $54.53 Million |
| CNFinance Holdings Ltd (CNF) | $3.05 Billion | 28.27% | 5.36x | $19.07 Million |
| Mr. Cooper Group Inc (COOP) | $28.50 Billion | -0.24% | 10.50x | $13.49 Billion |
| Greystone Housing Impact Investors LP (GHI) | $0.00 | 0.00% | 0.00x | $128.29 Million |
| Guild Holdings Co (GHLD) | $1.18 Billion | -3.30% | 2.11x | $1.25 Billion |
| Income Opportunity Realty Investors (IOR) | $73.53 Million | 2.50% | 0.59x | $72.78 Million |
| Loandepot Inc (LDI) | $375.88 Million | 9.16% | 12.18x | $198.44 Million |
| Onity Group Inc. (ONIT) | $1.76 Billion | 10.25% | 2.22x | $334.39 Million |
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. It offers real est… Read more