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Better Home & Finance BETR Home Finance — Loan origination expense

Other segment segments

Banking
$0—

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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:LoanProcessingFee.

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 home finance — loan origination expense?
Better Home & Finance (BETR) reported home finance — loan origination expense of $3.62M in Q4 2025.
How has Better Home & Finance's home finance — loan origination expense changed year-over-year?
Better Home & Finance's home finance — loan origination expense increased by 47.0% year-over-year, from $2.47M to $3.62M.
What does home finance — loan origination expense mean?
This metric represents the direct costs incurred by the home finance segment to process, underwrite, and close mortgage loans. It captures the operational expenditures specifically tied to the loan production lifecycle, excluding general corporate overhead. Monitoring this helps investors assess the efficiency of the company's digital mortgage platform in scaling loan volume.