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A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for Better Home & Finance Holding Co's Debt-to-Equity or its related term are showing as below:
BETR'
s Debt-to-Equity Range Over the Past 10 Years
Min: -13.2 Med: 7.55 Max: 1694.12
Current: 11.36
During the past 5 years, the highest Debt-to-Equity Ratio of Better Home & Finance Holding Co was 1694.12. The lowest was -13.20. And the median was 7.55.
BETR's Debt-to-Equity is ranked worse than 99.02% of 1422
companies
in the Banks industry
Industry Median: 0.58
vs BETR: 11.36
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Better Home & Finance Holding Co Debt-to-Equity Related Terms
Better Home & Finance Holding Co Debt-to-Equity 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.
Better Home & Finance Holding Co Debt-to-Equity Chart
BETR vs ONIT, LDI, UWMC: Debt-to-Equity Comparison
For the Mortgage Finance subindustry, Better Home & Finance Holding Co's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity 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 Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Better Home & Finance Holding Co's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Better Home & Finance Holding Co's Debt-to-Equity 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 Debt-to-Equity of 11.36 as of Jun. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Better Home & Finance Holding Co and its competitors. This is 50% above median its historical median of 7.55. According to the industry distribution chart, Better Home & Finance Holding Co ranks #1408 out of 1422 companies in the Banks industry, placing it in the top 99%.
Is Better Home & Finance Holding Co's Debt-to-Equity too high?
Better Home & Finance Holding Co's current Debt-to-Equity of 11.36 is 50% above median its 10-year median of 7.55. The Banks industry median Debt-to-Equity is 0.58. Better Home & Finance Holding Co's value of 11.36 is 1858.6% above this industry median. Based on the distribution chart, Better Home & Finance Holding Co ranks #1408 out of 1422 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 Debt-to-Equity compare to ONIT and LDI?
According to the Banks industry distribution chart, Better Home & Finance Holding Co ranks #1408 out of 1422 companies for Debt-to-Equity. This places Better Home & Finance Holding Co in the lower half of its industry. The industry median Debt-to-Equity is 0.58. Better Home & Finance Holding Co's value of 11.36 is 1858.6% above this benchmark. While the company's 10-year median is 7.55 vs. the industry median of 0.58, Better Home & Finance Holding Co has consistently been above 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 Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.58, based on 1,422 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Better Home & Finance Holding Co's current Debt-to-Equity of 11.36 is 1858.6% above 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 Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Better Home & Finance Holding Co and its competitors. For the Banks industry, the median Debt-to-Equity is 0.58 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Better Home & Finance Holding Co's current Debt-to-Equity is 11.36, which is 50% above median its own 10-year median of 7.55. 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 $17.56 — trading 45.3% below its estimated fair value. The current Debt-to-Equity is 11.36, which is 50% above median its 10-year median of 7.55 and 1858.6% above the Banks industry median of 0.58. 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 Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Better Home & Finance Holding Co (BETR), the current Debt-to-Equity is 11.36 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 $17.56 is trading 45.3% 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:
Debt-to-Equity: 11.36 (50% above median its 10-year median of 7.55)
GF Value™: $32.09 vs. price of $17.56 (45.3% below fair value)
Industry Position: 1858.6% above the Banks median (#1408 of 1422)
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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