BETR (Better Home & Finance Holding Co) 3-Year RORE % : -47.63% (As of Mar. 2026)


BETR Better Home & Finance Holding Co BETR
26 GF Score
Price $25.62
GF Value $34.16
Valuation Modestly Undervalued
! 7 Warning Signs
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What is Better Home & Finance Holding Co 3-Year RORE %?

Better Home & Finance Holding Co BETR +6.04% 26 3-Year RORE % is -47.63 as of Mar. 2026. GuruFocus rates BETR with a GF Score™ of 26/100 and a GF Value™ of $34.16 (Modestly Undervalued). The stock has 7 warning signs investors should review. Among 1,472 Banks companies, Better Home & Finance Holding Co ranks worse than 93.61% on this metric.

Return on Retained Earnings (RORE) is an indicator of a company's growth potential, it shows how much a company earns by reinvesting its retained earnings, i.e. profits after dividend payments. Better Home & Finance Holding Co's 3-Year RORE % for the quarter that ended in Mar. 2026 was -47.63%.

The industry rank for Better Home & Finance Holding Co's 3-Year RORE % or its related term are showing as below:

BETR's 3-Year RORE % is ranked worse than
93.61% of 1472 companies
in the Banks industry
Industry Median: 9.875 vs BETR: -47.63

Better Home & Finance Holding Co  (NAS:BETR) 3-Year RORE % Explanation

Return on Retained Earnings (RORE) is important to investors because it reveals a company's efficiency and growth potential. A higher RORE indicates a higher return. A high RORE indicates that the company should reinvest profits into the business. A lower RORE suggests that the company should distribute profits to shareholders by paying out dividends, since those dollars aren't generating much additional growth for the company.

There are a several different ways to arrive at the Return on Retained Earnings. The simplest way to calculate it is by using published information on Earnings per Share (EPS) and Dividend per Share (DPS) over a selected period. Here, 3-year period is chosen.

Be Aware

Please keep in mind that the RORE is relative to the nature of the business and its competitors. If another company in the same sector is producing a lower return on retained earnings, it doesn’t necessarily mean it’s a bad investment. It may just suggest the company is older and no longer in a high growth stage. At such a stage in the business cycle, it would be expected to see a lower RORE and higher dividend payout.


Better Home & Finance Holding Co 3-Year RORE % Related Terms


Better Home & Finance Holding Co 3-Year RORE % Historical Data

* Premium members only.

The historical data trend for Better Home & Finance Holding Co's 3-Year RORE % 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 3-Year RORE % Chart

Better Home & Finance Holding Co Annual Data
Trend Dec21 Dec22 Dec23 Dec24 Dec25
3-Year RORE %
0.00 0.00 0.00 -35.31 -51.36

Better Home & Finance Holding Co Quarterly Data
Dec21 Mar22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
3-Year RORE % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only -20.71 -28.19 -56.85 -51.36 -47.63

BETR vs LDI, ONIT, VEL: 3-Year RORE % Comparison

For the Mortgage Finance subindustry, Better Home & Finance Holding Co's 3-Year RORE %, along with its competitors' market caps and 3-Year RORE % 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 3-Year RORE % vs Banks Industry

For the Banks industry and Financial Services sector, Better Home & Finance Holding Co's 3-Year RORE % distribution charts can be found below:

* The bar in red indicates where Better Home & Finance Holding Co's 3-Year RORE % falls into.


BETR
26GF Score
Better Home & Finance Holding Co BETR
3-Year RORE % is just one metric. See GF Score™, valuation, warning signs, and more.
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Better Home & Finance Holding Co 3-Year RORE % Calculation

Better Home & Finance Holding Co's 3-Year RORE % for the quarter that ended in Mar. 2026 is calculated as:

3-Year RORE %=( Most Recent EPS (Diluted)- First Period EPS (Diluted) )/( Cumulative EPS (Diluted) for 3-year -Cumulative Dividends per Share for 3-year )
=( -11.735--45.408 )/( -70.703-0 )
=33.673/-70.703
=-47.63 %

* 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.

In the calculation of 3-Year RORE %, the most recent and first period EPS (Diluted) is the trailing twelve months (TTM) data ended in Mar. 2026 and 3-year before.

Frequently Asked Questions Learn more about 3-Year RORE % →
What does a 3-Year RORE % of -47.63 mean?
Better Home & Finance Holding Co (BETR) has a 3-Year RORE % of -47.63 as of Mar. 2026. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on Better Home & Finance Holding Co and its competitors. According to the industry distribution chart, Better Home & Finance Holding Co ranks #1378 out of 1472 companies in the Banks industry, placing it in the top 93.6%.
Is Better Home & Finance Holding Co's 3-Year RORE % too high?
Better Home & Finance Holding Co's current 3-Year RORE % is -47.63. Based on the distribution chart, Better Home & Finance Holding Co ranks #1378 out of 1472 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 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 3-Year RORE % compare to LDI and ONIT?
According to the Banks industry distribution chart, Better Home & Finance Holding Co ranks #1378 out of 1472 companies for 3-Year RORE %. This places Better Home & Finance Holding Co in the lower half of its industry. The industry median 3-Year RORE % is 9.88. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year RORE % for a Banks company?
The median 3-Year RORE % among Banks companies is 9.88, based on 1,472 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year RORE % significantly above this median, while those in the bottom quartile fall well below. However, 3-Year RORE % 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 3-Year RORE % mean?
A high 3-Year RORE % can signal that a stock is expensive relative to its fundamentals. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on Better Home & Finance Holding Co and its competitors. For the Banks industry, the median 3-Year RORE % is 9.88 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Better Home & Finance Holding Co's current 3-Year RORE % is -47.63. 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 $34.16, compared to a current price of $25.62 — trading 25% below its estimated fair value. The current 3-Year RORE % is -47.63. 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 3-Year RORE % calculated?
3-Year RORE % is calculated from a company's financial statements. For Better Home & Finance Holding Co (BETR), the current 3-Year RORE % is -47.63 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 $25.62 is trading 25% below its estimated GF Value™ of $34.16. GuruFocus considers Better Home & Finance Holding Co to be Modestly Undervalued.

Key valuation signals for BETR:

  • 3-Year RORE %: -47.63
  • GF Value™: $34.16 vs. price of $25.62 (25% 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

Other Exchanges V6L:Germany
Address 285 Fulton Street, Suite A, 80th Floor, 1 World Trade Center, New York, NY, USA, 10007
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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3-Year RORE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$25.62
Price
$34.16
GF Value