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Better Home & Finance BETR Banking — Technology

Other segment segments

Home Finance
$25.77M+9.9%

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FVCBInternet banking and software expense
$884K+7.2%

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:ResearchAndDevelopmentExpense.

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 — technology?
Better Home & Finance (BETR) reported banking — technology of $525.5K in Q4 2025.
How has Better Home & Finance's banking — technology changed year-over-year?
Better Home & Finance's banking — technology decreased by 20.7% year-over-year, from $662.75K to $525.5K.
What does banking — technology mean?
Direct costs related to software development, IT infrastructure, and digital platforms specifically utilized by the banking segment. Given the digital-first nature of the business, this investment is critical for maintaining competitive advantage and operational scalability. It reflects the company's commitment to technological innovation in financial services.