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BETR · Better Home & Finance Holding Co
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TEAM-2.62% 13F +440META+1.00% 13F +2,694RCG+0.35% CLUSTERUTHR-0.54% 13F +425CRWV+5.68% 13F +694CRM-1.97% 13F +1,019CVNA+1.58% 13F +795TPL-1.11% 13F +444NET-1.96% 13F +711MSTR-1.39% 13F +527DELL+1.50% 13F +1,204CRWD-0.87% 13F +1,383ANET+1.22% 13F +1,324COIN-4.18% 13F +475TEAM-2.62% 13F +440META+1.00% 13F +2,694RCG+0.35% CLUSTERUTHR-0.54% 13F +425CRWV+5.68% 13F +694CRM-1.97% 13F +1,019CVNA+1.58% 13F +795TPL-1.11% 13F +444NET-1.96% 13F +711MSTR-1.39% 13F +527DELL+1.50% 13F +1,204CRWD-0.87% 13F +1,383ANET+1.22% 13F +1,324COIN-4.18% 13F +475
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BETR

Better Home & Finance Holding Co
FINANCIAL SERVICES · LOAN BROKERS · CIK 0001835856
CLUSTER · 9 INSIDERSACTIVIST 13DC-SUITE BUYING · 3FORM 144 · 1☆ WATCH
INSIDER NET · 180D
$10.0M
open-market buys minus sells, Form 4 codes P and S
INSIDER BUYERS · 180D
9
CONGRESS BUYERS · 1Y
0
FUNDS ADDED · QTR
54
13F, latest reported quarter
REVENUE GROWTH
+52.0%
XBRL, annual
NET MARGIN
-100.6%
CONVERSIONS · 180D
17
codes C/M, not in net · $0 priced
SEVEN FACTS, RANKED AGAINST THE SECTOR · RANK IS NOT A FORECAST
INSIDERS
net +$10.0M over 180 days
+$82.8K over 90 days · +$9.5M of it by a 10%+ holder
more than 97% of Financial Services
CONGRESS
no member of Congress has reported trading it
FUNDS
54 funds added or opened last quarter
below 52% of Financial Services
REVENUE
+52.0% year over year
more than 81% of Financial Services
MARGIN
-100.6% net margin
below 77% of Financial Services
BUYBACKS
no share repurchases reported
SHORT
11.6 days to cover · settled 2026-07-31
THE SITUATION · EVERY LINE IS ONE RULE OVER ONE DATASET
9 insiders bought a net $10.0M while the stock fell 54% over six months, but 1 Form 144 notice ($42.3K) are queued to sell.
54 funds added or opened positions in the latest 13F quarter, of 104 holders.
Global Investment Ventures LLC disclosed a 5%+ stake (4.7%) in the last six months.
The year, with the filings on it
Total return indexed to 100 over the last 12 months · every marker is a federal filing, placed at its date — hover any marker for the detail
TOTAL 12M RETURN -34.2%
-34.2%12M
-47%+66%+179%+291%2025-092025-102025-122026-032026-052026-072026-09 2025-09-22 · Pine Brook Capital Partners II, L.P. sold $21.3M2025-09-22 · Pine Brook Capital Partners II, L.P. sold $8.4M2025-09-22 · Pine Brook Capital Partners II, L.P. sold $4.3M2025-09-22 · Pine Brook Capital Partners II, L.P. sold $3.8M2025-09-22 · Pine Brook Capital Partners II, L.P. sold $3.4M2025-09-22 · Pine Brook Capital Partners II, L.P. sold $2.4M2025-09-22 · Pine Brook Capital Partners II, L.P. sold $2.4M2025-09-22 · Pine Brook Capital Partners II, L.P. sold $1.9M2026-04-10 · 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 $1.0M2025-09-22 · Pine Brook Capital Partners II, L.P. sold $871.7K2026-03-11 · Framework Ventures IV L.P. bought $858.1K2026-03-16 · Framework Ventures Management LLC bought $738.8K2025-09-22 · Pine Brook Capital Partners II, L.P. sold $649.2K2026-05-21 · 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 $350.5K2025-09-22 · Pine Brook Capital Partners II, L.P. sold $315.6K2026-01-12 · Tuffin Paula sold $296.5K2026-03-23 · Garg Vishal bought $291.2K2025-09-04 · Nicholas J. Calamari sold $270.9K2025-12-11 · Tuffin Paula sold $243.8K2025-10-06 · Nicholas J. Calamari sold $232.8K2025-12-15 · Smith Chad M. sold $217.4K2025-09-22 · Pine Brook Capital Partners II, L.P. sold $200.7K2025-10-06 · Nicholas J. Calamari sold $196.4K2026-05-07 · 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 $150.2K2025-10-06 · Nicholas J. Calamari sold $146.0K2026-02-12 · Tuffin Paula sold $141.9K2026-05-22 · Talwar Harit bought $126.7K2025-09-22 · Pine Brook Capital Partners II, L.P. sold $125.8K2026-06-11 · FRATER HUGH R bought $125.4K2025-12-12 · Smith Chad M. sold $113.4K2026-08-19 · Global Investment Ventures LLC filed a 5%+ stake (4.7%)2026-08-19 · Bobulinski Anthony R filed a 5%+ stake (4.7%)2026-08-19 · Chad Smith filed to sell $42.3K
INSIDER BUYINSIDER SELL13D/G STAKEFORM 144
INDEXED RETURN, DIVIDEND-ADJUSTED — NOT A PRICE CHART · LARGE TRADES DRAWN FIRST WHEN A NAME FILES HEAVILY
Live price
Daily candles from TradingView, on their licence — no filings are marked on this one
WHY THIS NAME IS ON THE DESK
9 insiders reported buying shares.
The record shows a net $10.0M bought by insiders over 180 days, 54 funds added last quarter, $42.3K in planned Form 144 sales. Every figure is a federal filing, dated the day it became public.
Same sector, ranked by filing activity
Sector from the SEC's own SIC classification
Insider transactions
Form 4 purchases and sales (codes P and S) — grants, option exercises and preferred conversions excluded

Over the last 180 days, Better Home & Finance Holding Co insiders bought a net $10.0M of stock across 127 Form 4 purchases and sales, with 9 insider(s) buying. Source: SEC Form 4 filings, as of 2026-09-06.

INSIDER
FILED
SHARES
VALUE
Smith Chad M.
President, BMC
SELL
2026-08-19
3,307.0
$42.5K
FRATER HUGH R
Director
BUY
2026-06-11
5,150.0
$125.4K
Talwar Harit
Director
BUY
2026-05-22
5,000.0
$126.7K
Garg Vishal
Chief Executive Officer
BUY
2026-05-21
15,600.0
$388.3K
Garg Vishal
Chief Executive Officer
BUY
2026-05-20
15,000.0
$375.0K
127 TRANSACTIONS ON RECORD

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Institutional holders
13F · holdings as of the latest quarter funds have reported
BlackRock, Inc.
685,834.0 sh
$18.9M
SOFTBANK GROUP CORP.
628,553.0 sh
$17.3M
FRONTIER CAPITAL MANAGEMENT CO LLC
625,598.0 sh
$17.2M
HEALTHCARE OF ONTARIO PENSION PLAN TRUST FUND
578,960.0 sh
$15.9M
VANGUARD CAPITAL MANAGEMENT LLC
495,753.0 sh
$13.6M
5%+ owners
13D = intent 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%
Planned sales · Form 144
Filed before the sale — intent, not a trade
Chad Smith
FILED 2026-08-19
$42.3K
Fund concentration
N-PORT · funds ranked by how much of THEMSELVES they put in this stock — the conviction number 13F cannot show
AMG Frontier Small Cap Growth Fund
$669.1K POSITION · AS OF 2026-04-30
0.7%
M Capital Appreciation Fund
$822.7K POSITION · AS OF 2026-03-31
0.3%
VANGUARD U.S. MOMENTUM FACTOR ETF
$2.0M POSITION · AS OF 2026-02-28
0.1%
AQR Small Cap Momentum Style Fund
$95.6K POSITION · AS OF 2026-03-31
0.1%
iShares Micro-Cap ETF
$534.8K POSITION · AS OF 2026-03-31
0.0%
Goldman Sachs ActiveBeta(R) U.S. Small Cap Equity ETF
$238.8K POSITION · AS OF 2026-02-28
0.0%
SEC N-PORT, MONTHLY WITH A ~60-DAY PUBLIC LAG · FUNDS ≥ $10M · % = SHARE OF THE FUND'S OWN BOOK
Fundamentals
Annual figures from XBRL filings · pick a past date to see them exactly as the market knew them then — restatements and all
2025-122024-122023-122022-12
REVENUE$164.9M$108.5M$16.1M$12.3M
OPERATING INCOME$-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$99.8M$211.1M$503.6M$318.0M
BUYBACKS$0$7.9M
SEC XBRL · FISCAL-YEAR PERIODS · AS KNOWN ON 2026-09-06 · NOBODY ELSE SHOWS FUNDAMENTALS AS OF A PAST DATE
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Public filings, honestly analyzed. Official US government sources in one desk — every figure carries the date it was filed, and the methodology is published, backtest included.

SEC FORM 4FORM 13F 13D/GFORM 144XBRL STOCK ACTCONTRACTSFEC CFPBNRC
© 2026 WAVEMAN · SOURCE: SEC EDGAR & OFFICIAL GOVERNMENT DATA · NOT INVESTMENT ADVICE · CHART BY TRADINGVIEW · UPDATED 2026-09-06 ALL SYSTEMS LIVE FOR MACHINES →