What is Better Home & Finance's banking — gain on loans, net?

Better Home & Finance (BETR) reported banking — gain on loans, net of $0 in Q4 2025.

What does banking — gain on loans, net mean?

Represents the net profit or loss realized from the sale or fair value adjustment of mortgage loans held for sale within the banking segment. This metric reflects the company's ability to generate value from its loan portfolio beyond interest income. It is a key indicator of secondary market execution and pricing strategy.

Better Home & Finance BETR Banking — Gain on loans, net

Other segment segments

Home Finance

$136.15M+74.3%

Similar metrics at other companies

UVSPBanking — Net gain on mortgage banking activities

$840.5K-36.1%

GSBCBanking — Gain Loss On Sales Of Loans Net

$719K+19.6%

CCBGMortgage Banking — Gain Loss On Sales Of Loans Net

$2.95M+2.4%

PFSINet gains/(losses) on sales of loans

$344.99M+56.1%

FSBWCommercial And Consumer Banking — Gain Loss On Sales Of Loans Net

$0—

BSVNNet gains/(losses) on sales of loans

$375K+303%

Other financials

Income statement

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Revenue$47.5M+51.6%

Operating income-$56.6M+55.0%

Net income-$70.3M-39.1%

EPS (diluted)-$4.29-28.8%

Balance sheet

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Cash & equivalents$73.7M-36.9%

Total debt$4.4M-41.3%

Total equity$8.6M+108%

Total assets$1.6B+56.1%

Cash flow

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Operating cash flow-$125.2M-119%

CapEx$378.0K+87.1%

Free cash flow-$125.6M-119%

Valuation

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Market cap$482.69M+142%

Enterprise value$413.4M+360%

P/S2.7×+1.0×

Profitability

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Operating margin-343.9%—

Net margin-103.2%-30.0pp

FCF margin-133.4%-50.3pp

Returns & leverage

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Return on equity-875.5%-1,394pp

Debt / equity0.5×—

Current ratio0.1×+0.1×

Where this comes from

Reported directly by Better Home & Finance in its filing.

Tagged under the XBRL concept us-gaap:GainLossOnSalesOfLoansNet.

The official record: Better Home & Finance’s 10-K, filed March 13, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Better Home & Finance's banking — gain on loans, net?: Better Home & Finance (BETR) reported banking — gain on loans, net of $0 in Q4 2025.
What does banking — gain on loans, net mean?: Represents the net profit or loss realized from the sale or fair value adjustment of mortgage loans held for sale within the banking segment. This metric reflects the company's ability to generate value from its loan portfolio beyond interest income. It is a key indicator of secondary market execution and pricing strategy.