Better Home & Finance Holding C — Earnings Quality Grade F
BETR · Financial Services
Major red flags
Screening Summary
管理层信号
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
Insufficient data
Insufficient data
Revenue 72.3%, CFFO 56.2%. Cash follows revenue
Expense Quality
No material inventory
CapEx growth 11.4% vs revenue 72.3%. Normal
SG&A/Gross Profit = -822.4%, excellent (<30%)
Gross margin swung +30.5pp (-35.4% → -4.9%)
Cash Flow Quality
CFFO/NI = 1.00. Profits backed by cash
FCF is negative ($-0.2B)
Accruals ratio = 0.0%. Low accruals
Cash $0.2B covers only 33% of debt $0.6B
Balance Sheet Health
Goodwill+Intangibles $0.0B = 89% of equity. Over 50%
Debt/EBITDA = -4.5x. Healthy
Insufficient data
No write-off data
Acquisition Risk
FCF after acquisitions negative for 3 years
Small-cap context: A single acquisition on a small balance sheet can trip serial-acquirer logic.
Goodwill+Intangibles change -26% YoY. Normal
Manipulation Score
Insufficient data
Altman Z-Score — Not Applicable
Better Home & Finance Holding C is a financial company. Z-Score is designed for non-financial companies.
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25