{"filings":[{"id":96036,"accession_number":"0001628280-26-031685","cik":1835856,"company_name":"Better Home & Finance Holding Co","ticker":"BETR","form_type":"8-K","filed_at":"2026-05-07T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Better Home & Finance Q1 loan volume up 89% to $1.64B, net loss widens to $70M","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Loan volume $1.64B (+89% YoY); total net revenues $48M (+52% YoY); net loss $70M vs $51M loss a year ago.","Platform (Tinman AI) volume $821M (+404% YoY), now 50% of total loan volume.","Raised $69M in underwritten offering, targeting $25M annual cost cuts, warehouse capacity increased to $850M.","Q2 guidance: loan volume $1.575–1.725B, net revenues $53–56M, Adjusted EBITDA loss ($12.5)–($14.0)M.","April partnership pre-approval volume doubled to $200M/day from one large partner."],"consensus_eps_estimate":null,"consensus_eps_actual":-4.29,"consensus_revenue_estimate":null,"consensus_revenue_actual":1142000.0,"consensus_period":"2026-Q1","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":507786939.15640354,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":96035,"accession_number":"0001628280-26-024467","cik":1835856,"company_name":"Better Home & Finance Holding Co","ticker":"BETR","form_type":"8-K","filed_at":"2026-04-09T23:59:59+00:00","items":["2.02","8.01","9.01"],"status":"ready","headline":"Better Home & Finance raises $66M in offering; Q1 loan volume $1.64B beats guidance","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Raised $66.1M net in underwritten offering of 2.16M shares at $32.00/share; 60-day lock-up.","Preliminary Q1 2026 funded loan volume $1.64B, up 89% YoY, exceeding $1.40-1.55B guidance.","Expects ~$130M cash after offering; reaffirms $1B monthly loan volume target by May 2026 via Tinman AI partnership."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.85,"calibrated_materiality_score":0.85,"market_cap_usd":507786939.15640354,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":109546,"accession_number":"0001628280-26-021046","cik":1835856,"company_name":"Better Home & Finance Holding Co","ticker":"BETR","form_type":"8-K","filed_at":"2026-03-25T23:59:59+00:00","items":["5.02"],"status":"ready","headline":"Better Home & Finance elects Hugh R. Frater as director and audit committee member","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Elected effective March 23, 2026; Frater qualifies as independent under Nasdaq rules.","Compensation: $150,000 annual cash retainer plus $150,000 equity RSUs.","Additional $7,500 cash and $7,500 equity for audit committee service.","Term expires at 2026 annual meeting; standard indemnification agreement expected."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":507786939.15640354,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":109545,"accession_number":"0001628280-26-019820","cik":1835856,"company_name":"Better Home & Finance Holding Co","ticker":"BETR","form_type":"8-K","filed_at":"2026-03-19T23:59:59+00:00","items":["4.01","9.01"],"status":"ready","headline":"Better Home & Finance dismisses Deloitte as auditor, appoints BDO","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Deloitte & Touche LLP dismissed as auditor on March 16, 2026; BDO USA, P.C. appointed for fiscal year 2026.","No disagreements with Deloitte on accounting principles or audit scope during 2024-2025.","Material weaknesses in internal control over financial reporting were remediated as of December 31, 2025.","BDO engagement letter executed March 18, 2026; no prior consultations with BDO on accounting matters."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":507786939.15640354,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":109544,"accession_number":"0001628280-26-017501","cik":1835856,"company_name":"Better Home & Finance Holding Co","ticker":"BETR","form_type":"8-K","filed_at":"2026-03-13T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Better Home Q4 revenue $44M (+77% YoY); Tinman AI funded volume $646M, above guidance","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Revenue $44M (+77% YoY); net loss $40M vs $59M loss in Q4 2024 (33% improvement).","Funded Loan Volume grew 56% YoY vs industry 4%; Tinman AI platform funded $646M (exceeded $600M guidance).","Tinman partnerships grew ~100% month-over-month; less than 1% of partners' customer base reached.","Launched partnership with Intuit Credit Karma; over 30,000 mortgage pre-approvals in 5 months.","Reaffirmed Loan Volume and Adjusted EBITDA breakeven outlook; introduced Q1 2026 guidance."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":507786939.15640354,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":109543,"accession_number":"0001628280-26-010718","cik":1835856,"company_name":"Better Home & Finance Holding Co","ticker":"BETR","form_type":"8-K","filed_at":"2026-02-23T23:59:59+00:00","items":["1.01","9.01"],"status":"ready","headline":"Better Home & Finance issues warrant to Framework Ventures for up to 211,312 shares at $27 exercise","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Warrant purchased for $0.01 to buy up to 211,312 shares of Class A common stock.","First exercisable event: beneficial ownership > 4.99%; up to 105,656 shares at $27.00/share.","Second exercisable event: beneficial ownership > 8.98% after first portion; remaining shares at greater of $27.00 or 90% of 30-day VWAP.","Warrant expires February 17, 2027; Registration Rights Agreement filed for resale of warrant shares.","Issuance exempt from registration under Section 4(a)(2) of the Securities Act."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":507786939.15640354,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":109541,"accession_number":"0001628280-26-004155","cik":1835856,"company_name":"Better Home & Finance Holding Co","ticker":"BETR","form_type":"8-K/A","filed_at":"2026-01-29T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Better.com renews $175M warehouse facility on improved terms; reaffirms guidance","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Amended $175M warehouse facility with lower cash deposit requirements, expanded leverage capacity, and higher advance rates on non-GSE loans.","Reaffirms guidance: monthly origination volumes >$1B by May 2026 vs ~$400M avg in Q3 2025.","Reaffirms expectation of achieving adjusted EBITDA profitability by end of Q3 2026.","CEO cites rapid adoption of Tinman AI platform through strategic partnerships."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":507786939.15640354,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":109542,"accession_number":"0001628280-26-003533","cik":1835856,"company_name":"Better Home & Finance Holding Co","ticker":"BETR","form_type":"8-K","filed_at":"2026-01-27T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Better Home renews $175M warehouse facility on improved terms; reaffirms volume & EBITDA guidance","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Renewed $175M warehouse facility with reduced cash deposits, expanded leverage, and higher advance rates on non-GSE loans.","Reaffirmed monthly origination volume guidance: >$1B by May 2026, up from ~$400M avg in Q3 2025.","Reaffirmed adjusted EBITDA profitability by end of Q3 2026.","Facility improvements reduce equity capital requirements; first of multiple capital-light initiatives.","CEO highlights Tinman AI driving partnership channel growth comparable to 10-year-old DTC channel."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":507786939.15640354,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":126072,"accession_number":"0001628280-25-058400","cik":1835856,"company_name":"Better Home & Finance Holding Co","ticker":"BETR","form_type":"8-K","filed_at":"2025-12-22T23:59:59+00:00","items":["8.01"],"status":"ready","headline":"CEO Vishal Garg to adopt $5M Rule 10b5-1 trading plan for stock purchases","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["CEO Vishal Garg will adopt a 10b5-1 plan to purchase up to $5M of Class A common stock.","Purchases subject to pre-established price thresholds, timing parameters, and other conditions.","Plan provides systematic purchase framework, indicating insider confidence."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":507786939.15640354,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":126071,"accession_number":"0001628280-25-058397","cik":1835856,"company_name":"Better Home & Finance Holding Co","ticker":"BETR","form_type":"8-K","filed_at":"2025-12-22T23:59:59+00:00","items":["5.02","8.01"],"status":"ready","headline":"Better Home & Finance appoints Loveen Advani as CFO, updates ATM program","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Appointed Loveen Advani as CFO effective Feb 2, 2026; base salary $450k, target bonus 100%, 110k RSUs, 100k PSUs.","Advani previously EVP Finance at Zeta Global; also held finance roles at LivePerson, Inovalon, Aetna, IBM.","ATM program: sold over $35M of Class A common stock as of Dec 19 (capacity $75M); prior disclosure of $17.7M as of Nov 13.","Company evaluating alternatives to reduce capital; in discussions with warehouse lenders for higher advance rates to minimize dilution."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":507786939.15640354,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":126070,"accession_number":"0001628280-25-058089","cik":1835856,"company_name":"Better Home & Finance Holding Co","ticker":"BETR","form_type":"8-K","filed_at":"2025-12-19T23:59:59+00:00","items":["5.02","7.01","9.01"],"status":"ready","headline":"Better Home & Finance appoints Barry Feierstein as COO; base salary $450k plus equity","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Barry Feierstein, 64, named COO effective Dec 19, 2025; will oversee corporate operations.","Base salary $450,000 with target performance bonus of 100% of salary.","Granted 37,500 RSUs tied to stock price goals and 37,500 RSUs tied to revenue goals, vesting through 2030.","Feierstein previously COO at Hamilton Insurance Agency and Open Castle; brings 30+ years in housing finance.","CEO Vishal Garg says Feierstein will drive execution of strategic plans and build efficient organization."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":507786939.15640354,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":126069,"accession_number":"0001628280-25-051834","cik":1835856,"company_name":"Better Home & Finance Holding Co","ticker":"BETR","form_type":"8-K","filed_at":"2025-11-13T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Better Home & Finance Q3 revenue $44M, net loss narrows to $39M; sees $500M monthly run rate","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Revenue $44M in Q3 2025 vs $29M in Q3 2024; net loss $39M vs $54M YoY.","Total funded loan volume grew 17% YoY; 56% excluding a discontinued partnership.","Entered three strategic partnerships in Q3 and subsequent; more expected in Q4 2025.","Anticipates $500M monthly funded loan volume run rate in Q4; targets $1B in six months.","Reaffirms guidance of Adjusted EBITDA breakeven by end of Q3 2026."],"consensus_eps_estimate":null,"consensus_eps_actual":-8.27,"consensus_revenue_estimate":null,"consensus_revenue_actual":10107000.0,"consensus_period":"2025-Q3","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":507786939.15640354,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":126068,"accession_number":"0001628280-25-050690","cik":1835856,"company_name":"Better Home & Finance Holding Co","ticker":"BETR","form_type":"8-K","filed_at":"2025-11-07T23:59:59+00:00","items":["5.02"],"status":"ready","headline":"Better Home & Finance grants 575K RSUs to CEO Garg and 100K RSUs to GC Tuffin with performance criteria","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["CEO Vishal Garg receives 287,500 RSUs tied to stock price goals and 287,500 tied to revenue goals.","GC Paula Tuffin receives 50,000 RSUs tied to stock price goals and 50,000 tied to revenue goals.","Performance period: Oct 1, 2025 to Dec 31, 2030; awards forfeited if goals not met.","Time vesting: 25% at 12-month anniversary, then quarterly over 36 months; accelerated vesting on change-in-control termination."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.45,"calibrated_materiality_score":0.45,"market_cap_usd":507786939.15640354,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":126067,"accession_number":"0001628280-25-044160","cik":1835856,"company_name":"Better Home & Finance Holding Co","ticker":"BETR","form_type":"8-K","filed_at":"2025-10-03T23:59:59+00:00","items":["5.02"],"status":"ready","headline":"Better Home & Finance CFO Kevin Ryan retires; search underway for successor","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Kevin Ryan announced retirement as CFO on Sep 30, 2025 to pursue other opportunities.","Departure is without cause and not due to any disagreement with the Board or management.","Company has commenced a search for next CFO; Ryan will assist with orderly transition.","CEO cited Ryan's role in IPO and raising over $1.25 bln in additional capital."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":507786939.15640354,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":142804,"accession_number":"0001628280-25-042995","cik":1835856,"company_name":"Better Home & Finance Holding Co","ticker":"BETR","form_type":"8-K","filed_at":"2025-09-29T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Better Home & Finance forms two major partnerships and launches $75M ATM to fund growth","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Partnered with top-5 U.S. personal finance platform (50M+ customers) to offer mortgage products via Tinman AI.","Partnered with top-5 non-bank mortgage originator to originate HELOCs/HELOANs using Tinman AI.","Launched $75M ATM program to increase warehouse line capacity; expects to grow monthly originations from $500M to $2B.","Current warehouse facilities total $575M monthly capacity with advance rates 85-98%.","Sales through Cantor Fitzgerald and BTIG at market prices; 2% commission."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":507786939.15640354,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":142801,"accession_number":"0001628280-25-041716","cik":1835856,"company_name":"Better Home & Finance Holding Co","ticker":"BETR","form_type":"8-K/A","filed_at":"2025-09-05T23:59:59+00:00","items":["5.02"],"status":"ready","headline":"Better Home & Finance sets committee roles for new directors Barse and Menon","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["David Barse appointed to Corporate Governance and Nominations Committee, effective Aug 29, 2025.","Bhaskar Menon appointed Audit Committee Chair and Compensation Committee member.","Barse receives additional $7,500 annual cash retainer and $7,500 in RSUs for Nominations Committee service.","Menon receives $25,000 annual cash retainer and $25,000 in RSUs as Audit Chair, plus $7,500 cash and RSUs for Compensation Committee."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.25,"calibrated_materiality_score":0.25,"market_cap_usd":507786939.15640354,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":142803,"accession_number":"0001628280-25-038583","cik":1835856,"company_name":"Better Home & Finance Holding Co","ticker":"BETR","form_type":"8-K","filed_at":"2025-08-07T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Better Home & Finance Q2 revenue $44M, net loss $36M; funded loan volume up 25% YoY","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Revenue $44M (Q2'24: $32M; Q1'25: $33M); net loss $36M vs $41M loss in Q2'24.","Funded loan volume $1.2B, up 25% year-over-year.","Retired ~$521M convertible debt with Softbank, generating over $210M positive pre-tax equity.","Targeting Adjusted EBITDA breakeven by end of Q3 2026; expect improvement in losses for 2025.","CEO cites Tinman AI Platform and AI efficiencies driving growth and unit economics."],"consensus_eps_estimate":null,"consensus_eps_actual":-5.72,"consensus_revenue_estimate":null,"consensus_revenue_actual":7330000.0,"consensus_period":"2025-Q2","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":507786939.15640354,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":142802,"accession_number":"0001628280-25-037873","cik":1835856,"company_name":"Better Home & Finance Holding Co","ticker":"BETR","form_type":"8-K","filed_at":"2025-08-05T23:59:59+00:00","items":["5.02"],"status":"ready","headline":"Better Home & Finance elects David Barse and Bhaskar Menon to board effective August 1","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["David Barse and Bhaskar Menon elected to the Board, effective August 1, 2025.","Both directors satisfy Nasdaq independence requirements.","Each receives annual cash retainer of $150,000 and equity retainer of $150,000 in RSUs.","Committee assignments to be determined later; standard indemnification agreements expected.","No material transactions or family relationships with other directors/officers."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":507786939.15640354,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":160879,"accession_number":"0001628280-25-031582","cik":1835856,"company_name":"Better Home & Finance Holding Co","ticker":"BETR","form_type":"8-K","filed_at":"2025-06-16T23:59:59+00:00","items":["5.07"],"status":"ready","headline":"Better Home & Finance Holds 2025 Annual Meeting; All Director Nominees Elected, Deloitte Ratified","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["All six director nominees elected with majority support; Harit Talwar received 811,611 against votes.","Broker non-votes of 3,830,781 for all director proposals.","Ratification of Deloitte & Touche as auditor approved: 6,605,128 For, 3,406,552 Against, 5,516 Abstain.","No other proposals were voted on at the meeting."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.25,"calibrated_materiality_score":0.15,"market_cap_usd":507786939.15640354,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":160878,"accession_number":"0001628280-25-024900","cik":1835856,"company_name":"Better Home & Finance Holding Co","ticker":"BETR","form_type":"8-K","filed_at":"2025-05-13T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Better Home & Finance Q1 revenue $33M (+50% YoY); loan volume $868M (+31% YoY)","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Revenue of $33M vs $22M in Q1'24 and $25M in Q4'24; net loss unchanged at $51M.","Funded loan volume $868M, up 31% year-over-year; expects Q2 volume to increase sequentially.","AI loan assistant Betsy expanded to processing/underwriting; Tinman platform adding bank partner.","Expects 2025 funded loan volume to increase over 2024 and Adjusted EBITDA losses to improve.","NEO Powered by Better channel shows early rapid growth; diversifying distribution via Tinman."],"consensus_eps_estimate":null,"consensus_eps_actual":-3.33,"consensus_revenue_estimate":null,"consensus_revenue_actual":4030000.0,"consensus_period":"2025-Q1","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":507786939.15640354,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":160877,"accession_number":"0001628280-25-020262","cik":1835856,"company_name":"Better Home & Finance Holding Co","ticker":"BETR","form_type":"8-K","filed_at":"2025-04-28T23:59:59+00:00","items":["1.01","1.02","2.03","9.01"],"status":"ready","headline":"Better Home & Finance exchanges $533.9M of 1% convertible notes for $155M of 6% notes plus $110M cash","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Exchanged $533.9M of 1% convertible notes held by SB Northstar for $155M of 6% senior secured notes due 2028 and $110M cash.","New notes mature Dec 31, 2028, bear 6% interest payable semi-annually, with PIK toggle option.","Existing notes indenture discharged; side letter between SB Northstar and CEO Vishal Garg terminated.","New notes secured by substantially all assets of company and material domestic subsidiaries.","No cash proceeds to company; debt principal reduced by $378.9M."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":507786939.15640354,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":160876,"accession_number":"0001628280-25-017610","cik":1835856,"company_name":"Better Home & Finance Holding Co","ticker":"BETR","form_type":"8-K","filed_at":"2025-04-14T23:59:59+00:00","items":["1.01","7.01","9.01"],"status":"ready","headline":"Better Home & Finance to retire $534M convertible notes via exchange for $110M cash and $155M new secured notes","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Exchange of $533.9M 1% convertible notes due 2028 for $110M cash + $155M new 6% secured notes due Dec 31, 2028.","Expected to create ~$265M positive pre-tax equity value by retiring over $500M of debt at a discount.","New notes are senior secured, 6% PIK toggle, redeemable at 106-108%; covenants restrict debt, liens, restricted payments.","Investor SB Northstar LP gets non-transferrable board observer right if holding >=25% of new notes or 12% of equity.","Existing notes cancelled; closing expected April 28, 2025 subject to conditions including CEO termination agreements and mutual release."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":507786939.15640354,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":179072,"accession_number":"0001628280-25-013162","cik":1835856,"company_name":"Better Home & Finance Holding Co","ticker":"BETR","form_type":"8-K","filed_at":"2025-03-17T23:59:59+00:00","items":["5.02"],"status":"ready","headline":"Director Riaz Valani resigns from Better Home & Finance board effective March 11, 2025","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Riaz Valani resigned as director effective immediately on March 11, 2025.","Resignation not due to any disagreement with the company on operations, policies, or practices.","Reason cited: anticipated time commitments conflicting with board responsibilities.","Valani had served on the board since the company's inception."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":507786939.15640354,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":179071,"accession_number":"0001628280-25-002263","cik":1835856,"company_name":"Better Home & Finance Holding Co","ticker":"BETR","form_type":"8-K","filed_at":"2025-01-23T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Better Home & Finance announces $25M share buyback program through end of 2025","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Board authorized up to $25M repurchase of Class A common stock (BETR) through Dec 31, 2025.","Repurchases may be made via open market, 10b5-1 plans, block trades, or private transactions.","CEO Vishal Garg says buyback reflects belief that stock is undervalued given strong capital, AI-driven business.","Authorization does not obligate the company to repurchase any specific amount; can be modified or suspended."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":507786939.15640354,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":195763,"accession_number":"0001628280-24-047437","cik":1835856,"company_name":"Better Home & Finance Holding Co","ticker":"BETR","form_type":"8-K","filed_at":"2024-11-13T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"Better Home & Finance Q3 revenue $29M, funded loan volume $1.035B, net loss $54.1M","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q3 funded loan volume $1.035B, up 42% YoY and 8% QoQ; revenue $29.0M ($4.9M in Q3'23).","Net loss $54.1M, compared to $41.4M in Q2'24 and $353.9M in Q3'23; cash $480.1M.","Launched Betsy, voice-based AI loan assistant; plan to diversify distribution via 'NEO Powered by Better'.","Expects Q4 funded loan volume approximately in-line with Q3 due to seasonality offset by growth initiatives.","Q2'24 revenue included ~$5.5M nonrecurring mark-to-market benefit; exclude for sequential comparison."],"consensus_eps_estimate":null,"consensus_eps_actual":-9.74,"consensus_revenue_estimate":null,"consensus_revenue_actual":8768000.0,"consensus_period":"2024-Q3","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":507786939.15640354,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":212036,"accession_number":"0001628280-24-039888","cik":1835856,"company_name":"Better Home & Finance Holding Co","ticker":"BETR","form_type":"8-K","filed_at":"2024-09-09T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Better Home & Finance regains Nasdaq minimum bid price compliance as of Sept 3, 2024","summary_kind":"llm","event_type":"regulatory","confidence":"high","bullets":["Nasdaq notified company on Sept 3, 2024 that closing bid price was $1.00 or higher for 10 consecutive business days through Aug 30, 2024.","Company's Class A common stock (BETR) had been non-compliant with Listing Rule 5550(a)(2) since Oct 12, 2023.","Nasdaq confirmed compliance and closed the matter; no further action required.","Warrants (BETRW) remain publicly traded with no change to listing status."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":507786939.15640354,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":212035,"accession_number":"0001628280-24-037735","cik":1835856,"company_name":"Better Home & Finance Holding Co","ticker":"BETR","form_type":"8-K","filed_at":"2024-08-19T23:59:59+00:00","items":["3.03","5.03","7.01","8.01","9.01"],"status":"ready","headline":"Better Home & Finance completes 1-for-50 reverse stock split to regain Nasdaq compliance","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Effective August 16, 2024, every 50 shares of common stock converted into 1 share; no fractional shares issued.","Class A shares reduced from 424,783,460 to 8,497,010; Class B from 259,770,986 to 5,194,080; Class C from 71,877,283 to 1,437,545.","Warrant terms adjusted: number of shares per warrant divided by 50, exercise price multiplied by 50.","Stockholders not required to take action; fractional shareholders receive cash proceeds from sale of aggregated shares.","Reverse split aimed at increasing per-share price to meet Nasdaq minimum bid requirement for continued listing."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":507786939.15640354,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":212034,"accession_number":"0001628280-24-035878","cik":1835856,"company_name":"Better Home & Finance Holding Co","ticker":"BETR","form_type":"8-K","filed_at":"2024-08-08T23:59:59+00:00","items":["2.02","7.01","8.01","9.01"],"status":"ready","headline":"Better Home & Finance Q2 revenue up 41% QoQ, net loss narrows; announces 1-for-50 reverse split","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Revenue ~$31M, up 41% from Q1; net loss improved to ~$42M from $51M in Q1.","Funded loan volume +45% QoQ; management guides Q3 funded volume above $1B.","1-for-50 reverse stock split effective Aug 16, 2024; trading on split-adjusted basis Aug 19.","Authorized Class A shares reduced from 1.8B to 36M; officer exculpation amendment approved.","Cash, restricted cash, and short-term investments ~$507M at Q2 end."],"consensus_eps_estimate":null,"consensus_eps_actual":-0.12,"consensus_revenue_estimate":null,"consensus_revenue_actual":5698000.0,"consensus_period":"2024-Q2","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":507786939.15640354,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":230884,"accession_number":"0001628280-24-027024","cik":1835856,"company_name":"Better Home & Finance Holding Co","ticker":"BETR","form_type":"8-K","filed_at":"2024-06-06T23:59:59+00:00","items":["5.07","9.01"],"status":"ready","headline":"Better Home & Finance shareholders approve reverse stock split authority and director elections","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["All seven director nominees elected: Harit Talwar, Vishal Garg, Michael Farello, Arnaud Massenet, Prabhu Narasimhan, Steven Sarracino, Riaz Valani (each >94% of votes cast).","Approved reverse stock split authorization with ratio from 1:2 to 1:100; 886.2M for, 8.1M against, 0.4M abstain.","Charter amendment permitting officer exculpation under Delaware law approved: 765.5M for, 34.2M against, 3.2M abstain.","Ratified Deloitte & Touche LLP as 2024 independent auditor: 871.1M for, 3.3M against, 20.3M abstain."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.4,"calibrated_materiality_score":0.4,"market_cap_usd":507786939.15640354,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":230883,"accession_number":"0001628280-24-022922","cik":1835856,"company_name":"Better Home & Finance Holding Co","ticker":"BETR","form_type":"8-K","filed_at":"2024-05-13T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Better Home & Finance Q1 revenue up 26% QoQ to $22M; net loss flat at $51M","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Funded loan volume grew 25% sequentially in Q1'24; revenue of $22M, up 26% from Q4'23.","Net loss of $51M, unchanged from Q4'23; ended quarter with $509M cash and short-term investments.","Management expects Q2'24 funded loan volume above $800M, citing home equity and purchase demand.","Continued investment in proprietary Tinman platform to improve mortgage fulfillment efficiency.","Focus on managing toward profitability with technology efficiency and corporate cost reductions."],"consensus_eps_estimate":null,"consensus_eps_actual":-0.07,"consensus_revenue_estimate":null,"consensus_revenue_actual":2817000.0,"consensus_period":"2024-Q1","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":507786939.15640354,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":230882,"accession_number":"0001628280-24-022650","cik":1835856,"company_name":"Better Home & Finance Holding Co","ticker":"BETR","form_type":"8-K","filed_at":"2024-05-10T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"Better Home appoints Chad Smith as President & COO of Better Mortgage","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Chad Smith, former CEO of Mission Loans, appointed President & COO of Better Mortgage effective May 6, 2024.","Kevin Ryan remains CFO; he had previously served as President & CFO.","Smith receives $1M base salary, 100% target bonus (min $500K first year), 4M RSUs and 4M performance-based RSUs.","RSUs vest: 25% at 12 months, remainder quarterly over 3 years; performance RSUs also subject to market conditions.","Severance: 6 months salary plus prorated minimum bonus if terminated before 12 months; 3 months salary after."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":507786939.15640354,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":230881,"accession_number":"0001628280-24-015553","cik":1835856,"company_name":"Better Home & Finance Holding Co","ticker":"BETR","form_type":"8-K","filed_at":"2024-04-10T23:59:59+00:00","items":["3.01","9.01"],"status":"ready","headline":"Better Home & Finance receives Nasdaq extension to cure bid price deficiency until Oct 7, 2024","summary_kind":"llm","event_type":"regulatory","confidence":"high","bullets":["Company received 180-day extension from Nasdaq until October 7, 2024 to regain compliance with $1.00 minimum bid price rule.","Previously disclosed non-compliance on Oct 12, 2023; company transferred listing to Nasdaq Capital Market effective March 13, 2024.","If bid price closes at $1.00 or more for 10 consecutive business days before Oct 7, Nasdaq will confirm compliance.","Failure to cure could result in delisting; company may consider reverse stock split subject to stockholder approval.","No immediate effect on listing; Class A common stock continues trading on Nasdaq Capital Market under symbol BETR."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":507786939.15640354,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":249272,"accession_number":"0001628280-24-013454","cik":1835856,"company_name":"Better Home & Finance Holding Co","ticker":"BETR","form_type":"8-K","filed_at":"2024-03-28T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Better Home reports Q4 revenue $9M, net loss $59M; FY23 loss $534M; guides Q1 volume $600-650M","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q4 2023 GAAP revenue $9M, net loss $59M; FY23 revenue $77M, net loss $534M.","Funded loan volume Q4 $527M (1,633 loans); FY23 $3B (8,569 loans); 91% purchase loans.","Adjusted EBITDA loss Q4 $26M, FY23 $163M; improvements of 53% q/q and 69% y/y.","Pivoted to commission-based loan officers; launched One Day HELOC with 470% volume growth from Q1 to Q4 2023.","Ended 2023 with $554M cash; expects Q1 2024 funded volume of $600-650M with cost discipline."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"negative","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":507786939.15640354,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null}],"next_cursor":null}