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Better Home & Finance Holding Co has a Cash Ratio of 0.08. It indicates that there are more current liabilities than Cash, Cash Equivalents, Marketable Securities, and the company does not have sufficient cash on hand to pay off its short-term debt.
The historical rank and industry rank for Better Home & Finance Holding Co's Cash Ratio or its related term are showing as below:
BETR'
s Cash Ratio Range Over the Past 10 Years
Min: 0.05 Med: 0.61 Max: 2.92
Current: 0.08
During the past 5 years, Better Home & Finance Holding Co's highest Cash Ratio was 2.92. The lowest was 0.05. And the median was 0.61.
BETR's Cash Ratio is ranked worse than 88.64% of 44
companies
in the Banks industry
Industry Median: 0.73
vs BETR: 0.08
Better Home & Finance Holding Co (NAS:BETR) Cash Ratio Explanation
The cash ratio is more conservative than other liquidity ratios, such as Quick Ratio and Current Ratio, because it only considers a company's most liquid resources. The numerator of cash ratio only considers Cash, Cash Equivalents and marketable securities. Other current assets, such as accounts receivable and inventories, are not included. The rationale is that these assets may require time to be transformed into cash, and the amount of money received is also uncertain.
The cash ratio shows a company’s ability to pay all current liabilities immediately without selling or liquidating other assets. Generally speaking, a higher cash ratio suggests the company has a stronger ability to cover its short-term debt. However, a high cash ratio could also indicate inefficient management: the company is inefficient in making full utilization of cash to invest protential profitable project. It may also suggest that the company is not confident about future profitability.
In general, the higher the cash ratio, the better the company's liquidity position.
Better Home & Finance Holding Co Cash Ratio Related Terms
Better Home & Finance Holding Co Cash Ratio Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Mortgage Finance subindustry, Better Home & Finance Holding Co's Cash Ratio, along with its competitors' market caps and Cash Ratio data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Better Home & Finance Holding Co Cash Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Better Home & Finance Holding Co's Cash Ratio distribution charts can be found below:
* The bar in red indicates where Better Home & Finance Holding Co's Cash Ratio falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Better Home & Finance Holding Co (BETR) has a Cash Ratio of 0.08 as of Jun. 2026. Cashflow ratio is the ratio of Cash, Cash Equivalents, Marketable Securities to current liabilities. View historical data on Better Home & Finance Holding Co and its competitors. This is 87% below median its historical median of 0.61. Over the past decade, Better Home & Finance Holding Co's Cash Ratio has ranged from 0.05 to 2.92. According to the industry distribution chart, Better Home & Finance Holding Co ranks #39 out of 44 companies in the Banks industry, placing it in the top 88.6%.
Is Better Home & Finance Holding Co's Cash Ratio too high?
Better Home & Finance Holding Co's current Cash Ratio of 0.08 is 87% below median its 10-year median of 0.61. Over the past 10 years, this metric has ranged from a low of 0.05 to a high of 2.92. The Banks industry median Cash Ratio is 0.73. Better Home & Finance Holding Co's value of 0.08 is 89% below this industry median. Based on the distribution chart, Better Home & Finance Holding Co ranks #39 out of 44 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Better Home & Finance Holding Co has a GF Score™ of 17/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Better Home & Finance Holding Co's Cash Ratio compare to ONIT and LDI?
According to the Banks industry distribution chart, Better Home & Finance Holding Co ranks #39 out of 44 companies for Cash Ratio. This places Better Home & Finance Holding Co in the lower half of its industry. The industry median Cash Ratio is 0.73. Better Home & Finance Holding Co's value of 0.08 is 89% below this benchmark. Historically, Better Home & Finance Holding Co's own Cash Ratio has ranged from 0.05 to 2.92 over the past decade. While the company's 10-year median is 0.61 vs. the industry median of 0.73, Better Home & Finance Holding Co has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cash Ratio for a Banks company?
The median Cash Ratio among Banks companies is 0.73, based on 44 companies in the industry. Companies in the top quartile (top 25%) have a Cash Ratio significantly above this median, while those in the bottom quartile fall well below. However, Cash Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Better Home & Finance Holding Co's current Cash Ratio of 0.08 is 89% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cash Ratio mean?
A high Cash Ratio can signal that a stock is expensive relative to its fundamentals. Cashflow ratio is the ratio of Cash, Cash Equivalents, Marketable Securities to current liabilities. View historical data on Better Home & Finance Holding Co and its competitors. For the Banks industry, the median Cash Ratio is 0.73 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Better Home & Finance Holding Co's current Cash Ratio is 0.08, which is 87% below median its own 10-year median of 0.61. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Better Home & Finance Holding Co stock overvalued right now?
Based on GuruFocus' analysis, Better Home & Finance Holding Co (BETR) is currently considered Possible Value Trap. The stock's GF Value™ is $32.09, compared to a current price of $15.46 — trading 51.8% below its estimated fair value. The current Cash Ratio is 0.08, which is 87% below median its 10-year median of 0.61 and 89% below the Banks industry median of 0.73. Better Home & Finance Holding Co's overall GF Score™ is 17/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cash Ratio calculated?
Cash Ratio is calculated from a company's financial statements. For Better Home & Finance Holding Co (BETR), the current Cash Ratio is 0.08 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Better Home & Finance Holding Co (BETR) Overvalued in 2026?
Based on GuruFocus' analysis, Better Home & Finance Holding Co stock appears to be undervalued.
The current stock price of $15.46 is trading 51.8% below its estimated GF Value™ of $32.09.
GuruFocus considers Better Home & Finance Holding Co to be Possible Value Trap.
Key valuation signals for BETR:
Cash Ratio: 0.08 (87% below median its 10-year median of 0.61)
GF Value™: $32.09 vs. price of $15.46 (51.8% below fair value)
Industry Position: 89% below the Banks median (#39 of 44)
No single metric tells the full story. See the BETR stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Better Home & Finance Holding Co is a technology-enabled homeownership company that provides mortgage, home equity, and related services through a digital platform. The company operates through two reportable segments: Home Finance, which focuses on residential mortgage origination, including purchase, refinance, and home equity products, generating revenue mainly from loan sales; and Banking, which, through its U.K. subsidiary Birmingham Bank, offers a range of financial products and services to consumers and small businesses. It generates the majority of its revenue from the Home Finance segment.
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