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BETR · Better Home & Finance Holding Co
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BETR Better Home & Finance (BETR) Insider Trading, Ownership & Congress Trades

Financial Services · Loan brokers · CIK 0001835856
Quote by TradingView
Cluster · 4 insidersActivist 13DC-suite buying · 2Form 144 · 5
House members buying, 1 year
0
STOCK Act, US House only, disclosed up to 45 days after the trade
Funds added, last quarter
55
13F, latest reported quarter
Conversions, 180 days
16
Codes C/M, not in net · $0 priced

What the filings say about BETR

Insiders, 180 days
+$1.5M net bought
4 buyers · 3 sellers · 0% of sales under a 10b5-1 plan
Planned sales (Form 144), 90 days
$239.7K
5 notices
Activist stakes (13D), 180 days
1 filing
Largest: 4.7% of the class

Better Home & Finance insider trades (Form 4)

Form 4 buys and sells (codes P and S). Grants, option exercises and conversions excluded.

Over the last 180 days, Better Home & Finance Holding Co insiders bought a net $1.5M of stock across 130 Form 4 purchases and sales, with 4 insiders buying. Source: SEC Form 4 filings, as of 2026-10-28.

Insider
Filed
Shares
Value
Since filing
Nicholas J. Calamari
Director
SELL
2026-10-21 SECtraded 2026-10-19
1,320
$13.9K
+25.5%
Context
  • 21 earlier Form 4 trades (code P or S) here by this insider (21 sales), the last on Oct 6, 2025.
  • The trade is 2.0% of the 67,427 shares held after it.
  • 1 other insider sold within 30 days.
  • 55 funds added in the 13F quarter to Jun 30, 2026.
Insider activity: Director Nicholas J. Calamari sold about $13.9K of BETR on Oct 19, 2026; 1 other insider sold within 30 days and 55 funds added in the latest 13F quarter.
Tuffin Paula
General Counsel and CCO
SELL
2026-10-21 SECtraded 2026-10-19
1,225
$12.8K
+25.5%
Context
  • 9 earlier Form 4 trades (code P or S) here by this insider (9 sales), the last on Sep 17, 2026.
  • The trade is 2.9% of the 41,940 shares held after it.
  • 1 other insider sold within 30 days.
  • 55 funds added in the 13F quarter to Jun 30, 2026.
Insider activity: General Counsel and CCO Tuffin Paula sold about $12.8K of BETR on Oct 19, 2026; 1 other insider sold within 30 days and 55 funds added in the latest 13F quarter.
Tuffin Paula
General Counsel and CCO
SELL
2026-09-21 SECtraded 2026-09-17
3,108
$38.4K
+58.3%
Context
  • 8 earlier Form 4 trades (code P or S) here by this insider (8 sales), the last on Feb 12, 2026.
  • The trade is 7.6% of the 40,931 shares held after it.
  • 1 other insider sold within 30 days.
  • 55 funds added in the 13F quarter to Jun 30, 2026.
Insider activity: General Counsel and CCO Tuffin Paula sold about $38.4K of BETR on Sep 17, 2026; 1 other insider sold within 30 days and 55 funds added in the latest 13F quarter.
Smith Chad M.
President, BMC
SELL
2026-08-20 SECtraded 2026-08-19
3,307
$42.5K
+78.1%
Context
  • 15 earlier Form 4 trades (code P or S) here by this insider (15 sales), the last on May 8, 2026.
  • The trade is 195.3% of the 1,693 shares held after it.
  • 1 other insider sold within 30 days.
  • 55 funds added in the 13F quarter to Jun 30, 2026.
Insider activity: President, BMC Smith Chad M. sold about $42.5K of BETR on Aug 19, 2026; 1 other insider sold within 30 days and 55 funds added in the latest 13F quarter.
FRATER HUGH R
Director
BUY
2026-06-11 SEC
5,150
$125.4K
-21.5%
Context
  • First Form 4 purchase or sale (code P or S) here by this insider on our record.
  • The trade is 81.4% of the 6,326 shares held after it.
  • 3 other insiders bought within 30 days.
  • 55 funds added in the 13F quarter to Jun 30, 2026.
Insider activity: Director FRATER HUGH R bought about $125.4K of BETR on Jun 11, 2026; 3 other insiders bought within 30 days and 55 funds added in the latest 13F quarter.
130 transactions on record
Since filing: total return from the first close after the filing to the latest close, dividend-adjusted. Not a forecast.
Context lines are counts over the filings above and returns from our own price history, never a price level. Not investment advice.
See all insider buying · insider selling
Showing the latest few. to see 125 more transactions and use the screener and CSV export. We store only your email; there is no password.
Seven facts, ranked against the sector · Rank is not a forecast
Insiders
net +$1.5M over 180 days
-$107.7K over 90 days · +$1.4M of it by a 10%+ holder
more than 92% of Financial Services
Congress
no House purchase disclosed in the last 12 months
Funds
55 funds bought in last quarter
below 52% of Financial Services
Revenue
+52.0% year over year
more than 80% of Financial Services
Margin
-100.6% net margin
below 78% of Financial Services
Buybacks
no share repurchases reported
Short interest
44.3% of the float short (float per yahoo 2026-10-26) · 5.8 days to cover · settled 2026-09-30
The situation: each line is one rule over one dataset
4 insiders bought a net $1.5M while the stock fell 56% over six months, but 5 Form 144 notices ($239.7K) are queued to sell.
Global Investment Ventures LLC disclosed a 5%+ stake (4.7%) in the last six months.
What changed in the last 30 days
Oct 28Insider buying stopped: no purchases in 90 days after 15 in the prior 90
Why it matters
The absence is the signal: 15 purchases in one 90-day window and none in the next is a change of behaviour, not a filing.
Oct 21Director Nicholas J. Calamari sold $13.9K (Oct 19)
Oct 21General Counsel and CCO Tuffin Paula sold $12.8K (Oct 19)
Oct 19Officer Nicholas Calamari filed to sell $13.8K by Oct 19 (Form 144)
Why it matters
A Form 144 is a notice of intent to sell; the sale may not happen, and it says nothing about the price.
Oct 19Officer Paula Tuffin filed to sell $12.7K by Oct 19 (Form 144)
Why it matters
A Form 144 is a notice of intent to sell; the sale may not happen, and it says nothing about the price.

Watch BETR

A free account keeps a watchlist and can send one email a day when insiders, funds or Congress file on the names in it. No password and no card.

The year, with the filings on it
Total return over 12 months. Each marker is a filing; hover or tap one for the detail.
-75.8%12M
-91%-60%-30%+0%2025-102025-122026-022026-042026-062026-082026-10 2026-04-10 · Framework Ventures IV L.P. bought $1.8M2026-03-19 · Spencer Vance bought $1.5M2026-03-23 · Spencer Vance bought $1.2M2026-03-13 · Framework Ventures Management LLC bought $1.0M2026-03-11 · Framework Ventures IV L.P. bought $858.1K2026-03-16 · Framework Ventures Management LLC bought $738.8K2026-05-21 · Garg Vishal bought $388.3K2026-05-20 · Garg Vishal bought $375.0K2026-03-09 · Framework Ventures IV L.P. bought $354.6K2026-04-08 · Garg Vishal bought $350.5K2026-01-12 · Tuffin Paula sold $296.5K2026-03-23 · Garg Vishal bought $291.2K2025-12-11 · Tuffin Paula sold $243.8K2025-12-15 · Smith Chad M. sold $217.4K2026-05-07 · Garg Vishal bought $194.5K2026-03-24 · Garg Vishal bought $190.1K2026-01-15 · Smith Chad M. sold $178.1K2026-04-02 · Talwar Harit bought $176.2K2026-04-09 · Talwar Harit bought $164.4K2026-05-18 · Garg Vishal bought $162.8K2026-02-17 · Smith Chad M. sold $150.2K2026-02-12 · Tuffin Paula sold $141.9K2026-05-22 · Talwar Harit bought $126.7K2026-06-11 · FRATER HUGH R bought $125.4K2025-12-12 · Smith Chad M. sold $113.4K2026-01-06 · Smith Chad M. sold $99.9K2026-05-18 · Garg Vishal bought $96.5K2026-05-08 · Talwar Harit bought $91.3K2025-12-11 · Tuffin Paula sold $89.5K2026-02-12 · Tuffin Paula sold $88.0K2026-03-24 · Garg Vishal bought $87.2K2026-02-03 · Smith Chad M. sold $83.8K2026-05-18 · Garg Vishal bought $82.4K2026-03-16 · Smith Chad M. sold $76.5K2026-03-17 · Smith Chad M. sold $67.7K2026-03-25 · Garg Vishal bought $66.3K2026-02-10 · Smith Chad M. sold $57.5K2025-12-30 · MENON BHASKAR bought $50.9K2026-08-19 · Smith Chad M. sold $42.5K2026-01-15 · Smith Chad M. sold $42.1K2026-05-08 · Smith Chad M. sold $40.7K2026-09-17 · Tuffin Paula sold $38.4K2026-08-19 · Global Investment Ventures LLC filed a 5%+ stake (4.7%)2026-08-19 · Bobulinski Anthony R filed a 5%+ stake (4.7%)2026-10-19 · Nicholas Calamari filed to sell $13.8K2026-10-19 · Paula Tuffin filed to sell $12.7K2026-09-17 · Chad Smith filed to sell $132.4K2026-09-17 · Paula Tuffin filed to sell $38.4K2026-08-19 · Chad Smith filed to sell $42.3K
Insider buyInsider sell13D/G stakeForm 144 (planned sale)
Indexed to 100, dividend-adjusted, not a price chart. When a name files heavily, the largest trades are drawn first.

Who owns BETR: institutional holders (13F)

13F holdings, latest reported quarter
BlackRock, Inc.
685,834 sh
$18.9M
SOFTBANK GROUP CORP.
628,553 sh
$17.3M
FRONTIER CAPITAL MANAGEMENT CO LLC
625,598 sh
$17.2M
HEALTHCARE OF ONTARIO PENSION PLAN TRUST FUND
578,960 sh
$15.9M
VANGUARD CAPITAL MANAGEMENT LLC
495,753 sh
$13.6M

Congress trades in BETR

No Congress trades reported
No House member has disclosed a trade in this stock. See what Congress is buying.

Activist and 5% holders (13D/13G)

13D: intends to influence · 13G: passive
Global Investment Ventures LLC
Activist 13D · 2026-08-19
4.7%
Bobulinski Anthony R
Activist 13D · 2026-08-19
4.7%

BETR planned insider sales (Form 144)

Notice of intent to sell, filed before any sale
Nicholas Calamari
Filed 2026-10-19
$13.8K
Paula Tuffin
Filed 2026-10-19
$12.7K
Chad Smith
Filed 2026-09-17
$132.4K
Paula Tuffin
Filed 2026-09-17
$38.4K
Chad Smith
Filed 2026-08-19
$42.3K

BETR mutual fund holders (N-PORT)

Funds ranked by the share of their own portfolio in this stock (N-PORT).
AMG Frontier Small Cap Growth Fund
$414.9K position · as of 2026-07-31
0.4%
M Capital Appreciation Fund
$664.8K position · as of 2026-06-30
0.2%
VANGUARD U.S. MOMENTUM FACTOR ETF
$1.3M position · as of 2026-05-31
0.1%
iShares Micro-Cap ETF
$739.4K position · as of 2026-06-30
0.0%
1290 VT Micro Cap Portfolio
$50.0K position · as of 2026-06-30
0.0%
PD Small-Cap Growth Index Portfolio
$21.0K position · as of 2026-06-30
0.0%
SEC N-PORT, monthly, about 60 days late · funds ≥ $10M · % is the share of the fund's own portfolio
Live price
Daily candles from TradingView, under their licence. No filings marked.
Why this name is on the desk
4 insiders reported buying shares.
The record shows a net $1.5M bought by insiders over 180 days, 55 funds added last quarter, $239.7K in planned Form 144 sales. Each figure is a federal filing, dated the day it went public.
Backtest this pattern Open the screener
Same sector, ranked by filing activity
Sector by SEC SIC code
MSTRCOINMORNUPSTIBKRCACCARESHOODRKTSCHWGSDAVE

BETR financials

Revenue growth
+52.0%
XBRL, annual
Net margin
-100.6%
Ratios from the company's XBRL filings, latest filings
Revenue, TTM
$159.8M
four quarters, 2025-07-01 to 2026-06-30
Net margin, TTM
-112.6%
net income over revenue, 2025-07-01 to 2026-06-30
Free cash flow, TTM
-$156.2M
operating cash flow minus capex, 2025-07-01 to 2026-06-30
Debt to equity
n/a
no debt line filed
Cash flow to debt
n/a
no debt line filed
Return on equity
-267.7%
TTM net income over average of 2025-06-30 and 2026-06-30
Return on assets
-13.0%
TTM net income over average of 2025-06-30 and 2026-06-30
Return on invested capital
n/a
the filed year and its quarters do not reconcile, so the trailing figure is withheld
Return on capital employed
n/a
the filed year and its quarters do not reconcile, so the trailing figure is withheld
P/E, trailing
n/a
trailing loss, a multiple of a loss is not meaningful
Enterprise value
n/a
no share count filed
FCF yield
n/a
no share count filed
PEG, trailing
n/a
trailing loss, a multiple of a loss is not meaningful
Price as of 2026-10-27. Hover or tap a tile for its yearly and quarterly history.
Method
TTM is four consecutive fiscal quarters; Q4 is the year minus nine months when not filed. Returns use the average of opening and closing balances. EBIT is approximated by operating income. PEG uses trailing EPS growth.
Fundamentals
Annual figures from XBRL filings. Pick a past date to see them as known then.
2025-122024-122023-122022-12
Revenue$164.9M$108.5M$16.1M$12.3M
Operating incomen/an/a-$291.3M-$858.9M
Net income-$165.9M-$206.3M-$536.4M-$877.1M
EPS (diluted)-10.80-13.65-58.09-3.01
Operating cash flow-$166.6M-$380.0M-$159.7M$938.3M
Cash$79.4M$211.1M$503.6M$318.0M
Buybacksn/an/a$0$7.9M
SEC XBRL, fiscal years, as known on 2026-10-28

BETR Stock Sonar score 5/7 axes

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BETR ranks highest on insider conviction (94th percentile) and growth (80th), and lowest on profitability (21st), among Financial Services peers.

ProfitGrowthInsidersInstitutionsRisk
Profitability
21
Inputs
  • Return on equity-267.7% · 8 pct, sector of 205
  • Return on assets-13.0% · 35 pct, sector of 266
  • Return on invested capitalthe filed year and its quarters do not reconcile, so the trailing figure is withheld
  • Return on capital employedthe filed year and its quarters do not reconcile, so the trailing figure is withheld
Growth
80
Inputs
  • Revenue growth, YoY+52.0% · 80 pct, sector of 245
  • Backlog growth, YoYno backlog line filed, or no year-earlier backlog
Insider conviction
94
Inputs
  • Net Form 4 buying (codes P and S), 180d$1.5M · 92 pct, sector of 161
  • Insider buyers, 180d4 · 96 pct, sector of 165
Institutional and government
48
Inputs
  • Funds adding, latest quarter55 · 48 pct, sector of 278
  • Congress net buyers, 365dno Congress trades in 365 days
  • Federal contracts, 180dno federal contracts in 180 days
  • Lobbying spend, 4 quartersno lobbying filings in the last four quarters
Risk and compliance
23
Inputs
  • Short interest, % of float+44.3% · 1 pct, sector of 390
  • Recalls per $1B revenue, 3ynot measured for this sector, almost no peer has an event
  • EPA cases per $1B revenue, 5ynot measured for this sector, almost no peer has an event
  • New text in Risk Factors, latest 10-K+14.0% · 45 pct, sector of 175
2 not measured: Financial health, US patents
  • Financial health needs 1 of 2 inputs, 0 present: no debt line filed
  • US patents needs 1 of 2 inputs, 0 present: patent data not loaded yet

5 of 7 axes scored. Each is a percentile against sector peers (all companies when the sector is thin); higher is better. An unscored axis is unmeasured, not low. How it is scored

BETR filings, in plain words

Are Better Home & Finance insiders buying or selling BETR?

In the 180 days to 2026-10-28, Better Home & Finance insiders were net buyers, a net $1.5M: $1.7M of purchases and $181.7K of sales reported on Form 4, by 4 buyers and 3 sellers.

Are there planned insider sales of BETR?

Yes. 5 Form 144 notices of planned insider sales were filed in the 90 days to 2026-10-28, covering $239.7K of stock; the latest, by Nicholas Calamari, was filed 2026-10-19.

Read the full summary

In the 180 days to 2026-10-28, Better Home & Finance insiders were net buyers of BETR, a net $1.5M across purchases and sales reported on Form 4 by 4 buyers and 3 sellers. Most of that figure, $1.4M, came from a holder of 10% or more rather than an officer or director. 4 insiders reported purchases in that window. None of the 7 insider sales was flagged as made under a Rule 10b5-1 plan. Insiders filed 5 Form 144 notices of intent to sell in the 90 days to 2026-10-28, covering $239.7K of stock. 1 activist Schedule 13D filing in the last 180 days declared an intent to influence the company, the largest for 4.7% of the class. Each figure is counted from SEC and House filings as of 2026-10-28, dated the day the filing was made public.

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