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Better Home & Finance BETR Banking — Interest Income (Expense), Operating

Other segment segments

Home Finance
$10.01M-31.5%

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Other financials

Income statement

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Revenue$54.7M+28.2%
Operating income-$56.6M+55.0%
Net income-$30.6M+15.7%
EPS (diluted)-$1.64+31.4%

Balance sheet

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Cash & equivalents$111.9M+36.9%
Total debt$4.6M-24.1%
Total equity$57.9M-24.4%
Total assets$1.5B+25.2%

Cash flow

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Operating cash flow-$125.2M-119%
CapEx$92.0K-77.4%
Free cash flow-$125.6M-119%

Valuation

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Market cap$291.73M+37.2%
Enterprise value$184.42M+34.7%
P/S1.5×-0.1×

Profitability

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Operating margin-343.9%
Net margin-94.5%-26.8pp
FCF margin-134.3%-50.5pp

Returns & leverage

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Return on equity-267.7%-42.4pp
Debt / equity0.1×0.0×
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:InterestIncomeExpenseNet.

The source filing: Better Home & Finance’s 10-K, filed March 13, 2026.

Filed
Mar 13, 2026, 4:50 PM EDT
Fiscal year
FY2025
Accession
0001628280-26-017747
Line itemHome FinanceBankingConsolidated
Net interest income
Interest income31,86028,40960,269
Interest expense(21,847)(20,997)(42,844)
Net interest income/(loss)10,0137,41217,425
Total net revenues157,2627,610164,872
Expenses:
Compensation and benefits161,50312,723174,226
General and administrative41,6023,72145,323

Item 8. Financial Statements and Supplementary Data

FAQ

What is Better Home & Finance's banking — interest income (expense), operating?
Better Home & Finance (BETR) reported banking — interest income (expense), operating of $1.85M in Q4 2025.
How has Better Home & Finance's banking — interest income (expense), operating changed year-over-year?
Better Home & Finance's banking — interest income (expense), operating increased by 156.3% year-over-year, from $723K to $1.85M.
What does banking — interest income (expense), operating mean?
The net result of interest income earned minus interest expense incurred within the banking segment, representing the net interest margin or spread. This is a critical measure of the segment's core profitability from its lending and deposit-taking activities. It demonstrates the effectiveness of interest rate risk management.

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