Better Home & Finance Holding Company (BETR)

BETR Cash Flow Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Net Income	-185.18	-206.29	-536.42	-877.08	-301.13	172.06
Depreciation & Amortization	18.81	33.23	42.89	49.42	27.22	3.48
Other Amortization	-	-	-	-	-	6.41
Gain on Sale of Loans & Receivables	-110.84	-61.56	-46.65	54.27	67.68	-78.44
Loss (Gain) From Sale of Investments	-0.78	-1.69	237.06	-230.91	7.74	-50.46
Asset Writedown & Restructuring Costs	17.84	16.41	9.44	145.47	-	-
Provision for Credit Losses	1.19	1.67	-	-	-	-
Stock-Based Compensation	17.5	26.75	54.16	30.54	55.22	19.3
Change in Accounts Payable	1.49	-21.08	-22.21	-43.56	-7.96	108.75
Change in Other Net Operating Assets	17.79	-160.47	89.16	1,522	425.21	-1,990
Other Operating Activities	6.16	-6.93	12.87	288.04	87.24	30.99
Operating Cash Flow	-215.33	-379.97	-159.72	938.25	361.22	-1,778
Operating Cash Flow Growth	-	-	-	159.75%	-	-
Capital Expenditures	-1.32	-3.39	-0.46	-11.74	-15.72	-12.4
Sale of Property, Plant & Equipment	2.94	2.94	0.76	4.55	-	-
Cash Acquisitions	-	-	-12.71	-3.85	-5.07	-
Sale (Purchase) of Intangibles	-9.97	-6.69	-9.32	-23.55	-47.91	29.39
Investment in Securities	-76.32	-28.55	-16.87	-	-	-
Net Decrease (Increase) in Loans Originated / Sold - Investing	-535.25	-108.11	-	-	-	-
Investing Cash Flow	-621.51	-143.81	-38.59	-34.58	-68.7	16.99
Long-Term Debt Issued	-	240.14	528.59	10,132	51,330	22,078
Long-Term Debt Repaid	-	-1.1	-165.88	-11,662	-51,041	-20,122
Net Debt Issued (Repaid)	225.98	239.04	362.71	-1,530	289	1,955
Issuance of Preferred Stock	-	-	1.46	-	-	136.75
Issuance of Common Stock	0.68	0.09	16.44	0.73	21.62	4.72
Repurchase of Common Stock	-	-	-	-7.95	-5.65	-4.55
Other Financing Activities	474.74	-	0.79	-	-0.43	-1.93
Financing Cash Flow	701.4	239.13	381.4	-1,537	304.54	2,090
Foreign Exchange Rate Adjustments	-8.83	-0.22	-1.09	0.73	0.04	-0.14
Net Cash Flow	-150.64	-292.55	182	-632.81	597.09	328.98
Free Cash Flow	-216.65	-383.36	-160.18	926.52	345.49	-1,791
Free Cash Flow Growth	-	-	-	168.17%	-	-
Free Cash Flow Margin	-148.86%	-353.37%	-221.42%	-	28.54%	-217.16%
Free Cash Flow Per Share	-14.25	-25.37	-17.35	159.03	198.59	-748.39
Cash Interest Paid	26.99	13.82	12.04	13.07	78.81	30.02
Cash Income Tax Paid	0.45	-0.68	-8.45	1.83	35.77	20.03

Updated Nov 13, 2025. Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.

SEC Filings: 10-K · 10-Q