BETR (Better Home & Finance Holding Co) LT-Debt-to-Total-Asset: 0.13 (As of Mar. 2026)

What is Better Home & Finance Holding Co LT-Debt-to-Total-Asset?

Better Home & Finance Holding Co BETR -4.92% 26 LT-Debt-to-Total-Asset is 0.13 as of Mar. 2026. GuruFocus rates BETR with a GF Score™ of 26/100 and a GF Value™ of $34.19 (Modestly Undervalued). The stock has 7 warning signs investors should review.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. Better Home & Finance Holding Co's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.13.

Better Home & Finance Holding Co's long-term debt to total assets ratio declined from Mar. 2025 (0.53) to Mar. 2026 (0.13). It may suggest that Better Home & Finance Holding Co is progressively becoming less dependent on debt to grow their business.

Better Home & Finance Holding Co (NAS:BETR) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

Better Home & Finance Holding Co LT-Debt-to-Total-Asset Related Terms

Better Home & Finance Holding Co LT-Debt-to-Total-Asset Historical Data

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The historical data trend for Better Home & Finance Holding Co's LT-Debt-to-Total-Asset can be seen below:

* 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 LT-Debt-to-Total-Asset Chart

Better Home & Finance Holding Co Annual Data

Trend

Dec21

Dec22

Dec23

Dec24

Dec25

LT-Debt-to-Total-Asset

0.21

0.88

0.60

0.57

0.14

Better Home & Finance Holding Co Quarterly Data
	Dec21	Mar22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24	Jun24	Sep24	Dec24	Mar25	Jun25	Sep25	Dec25	Mar26
LT-Debt-to-Total-Asset	Get a 7-Day Free Trial												0.53	0.17	0.15	0.14	0.13

26GF Score

Better Home & Finance Holding Co BETR

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Better Home & Finance Holding Co LT-Debt-to-Total-Asset Calculation

Better Home & Finance Holding Co's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as

LT Debt to Total Assets (A: Dec. 2025 )	=	Long-Term Debt & Capital Lease Obligation (A: Dec. 2025 )	/	Total Assets (A: Dec. 2025 )
	=	203.431	/	1505.434
	=	0.14

Better Home & Finance Holding Co's Long-Term Debt to Total Asset Ratio for the quarter that ended in Mar. 2026 is calculated as

LT Debt to Total Assets (Q: Mar. 2026 )	=	Long-Term Debt & Capital Lease Obligation (Q: Mar. 2026 )	/	Total Assets (Q: Mar. 2026 )
	=	203.185	/	1568.795
	=	0.13

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →

What does a LT-Debt-to-Total-Asset of 0.13 mean?

Better Home & Finance Holding Co (BETR) has a LT-Debt-to-Total-Asset of 0.13 as of Mar. 2026. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Better Home & Finance Holding Co and its competitors.

Is Better Home & Finance Holding Co's LT-Debt-to-Total-Asset too high?

Better Home & Finance Holding Co's current LT-Debt-to-Total-Asset is 0.13. Overall, Better Home & Finance Holding Co has a GF Score™ of 26/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.

How does Better Home & Finance Holding Co's LT-Debt-to-Total-Asset compare to LDI and ONIT?

Better Home & Finance Holding Co's LT-Debt-to-Total-Asset of 0.13 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.

What is a good LT-Debt-to-Total-Asset for a Banks company?

A good LT-Debt-to-Total-Asset depends on the Banks industry context. However, LT-Debt-to-Total-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.

What does a high LT-Debt-to-Total-Asset mean?

A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Better Home & Finance Holding Co and its competitors. Better Home & Finance Holding Co's current LT-Debt-to-Total-Asset is 0.13. 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 Modestly Undervalued. The stock's GF Value™ is $34.19, compared to a current price of $28.55 — trading 16.5% below its estimated fair value. The current LT-Debt-to-Total-Asset is 0.13. Better Home & Finance Holding Co's overall GF Score™ is 26/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.

How is LT-Debt-to-Total-Asset calculated?

LT-Debt-to-Total-Asset is calculated from a company's financial statements. For Better Home & Finance Holding Co (BETR), the current LT-Debt-to-Total-Asset is 0.13 as of Mar. 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 $28.55 is trading 16.5% below its estimated GF Value™ of $34.19. GuruFocus considers Better Home & Finance Holding Co to be Modestly Undervalued.

Key valuation signals for BETR:

LT-Debt-to-Total-Asset: 0.13
GF Value™: $34.19 vs. price of $28.55 (16.5% below fair value)
GF Score™: 26/100 with 7 warning signs

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 Business Description

Industry Financial Services Banks

Comparable Companies LDI ONIT VEL UWMC GHI IOR CNF BLNE MMCP PAPL RKT FNMA NSE:BAJAJHFL PFSI FMCC NSE:LICHSGFIN NSE:PNBHOUSING LSE:OSB NSE:AADHARHFC BOM:535789

Other Exchanges V6L:Germany

Address 285 Fulton Street, Suite A, 80th Floor, 1 World Trade Center, New York, NY, USA, 10007

Website https://www.better.com

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.

26GF Score

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$28.55

Price

$34.19

GF Value

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