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Menon Bhaskar filed an initial Form 3 reporting a relationship as a Director of Better Home & Finance Holding Co (trading symbol shown as BETR). The event date requiring the statement is 08/01/2025. The filing discloses that no securities are beneficially owned by the reporting person. The form was signed on behalf of the reporting person by Andrew Holt, Attorney-in-Fact on 09/02/2025. The filing indicates it was submitted by one reporting person and includes the reporting person’s address in New York.
Better Home & Finance Holding Company reported stronger top-line activity for the quarter ended June 30, 2025, with total net revenues of $44.1 million (up from $32.3 million a year earlier) driven by a higher gain on loans. Total assets rose to $1.232 billion, reflecting larger mortgage loans held for sale and a substantial increase in loans held for investment to $420.6 million, primarily U.K. buy-to-let lending.
Despite revenue growth, the company remained loss-making: a Q2 net loss of $36.3 million (improved from $41.4 million) and a six-month net loss of $86.8 million. Stockholders' equity swung to a $76.6 million surplus from a deficit last year, largely due to a $210.0 million gain recorded in equity from a troubled debt restructuring related to the April 2025 exchange of Convertible Notes for Senior Notes and a cash payment. Liquidity and restructuring developments were material: cash and equivalents fell to $87.1 million, customer deposits grew to $482.4 million, Senior Notes carrying value was $200.4 million, and certain U.K. operating units were classified as assets held for sale with associated write-downs and a goodwill impairment.
Talwar Harit, a director of Better Home & Finance Holding Co (ticker BETR), reported multiple restricted stock unit grants and an acquisition on Form 4. The filing shows an acquisition on 08/07/2025 of 25,698 shares of Class A common stock at a reported price of $0. The same filing records a grant/acquisition of 20,191 restricted stock units for Class A common stock on 08/07/2025, which correspond to 20,191 Class A shares. The Form also documents recurring tranches of 3,094 restricted stock units tied to Class B common stock with listed vesting tranches (02/01/2025, 05/01/2025, 08/01/2025) and describes conversion mechanics from Class B to Class A. Certain restricted stock units are noted as vested immediately upon grant and ownership is reported as direct.
Chad M. Smith, an officer identified as President & COO on the Form 4 for Better Home & Finance Holding Co (BETR), reported transactions dated 08/06/2025. The filing lists non-derivative entries for Class A common stock showing a sale of 2,539 shares at $14.56 and a separate entry reflecting 5,000 Class A shares acquired at $0 (post-transaction beneficial ownership figures shown as 29,533 and 26,994 in the respective lines). The derivative table reports 5,000 Restricted Stock Units (RSUs) settled and a total RSU-related beneficial ownership of 55,000 Class A shares following the reported transaction. The RSUs were granted on May 8, 2024 and vest 25% at the 12‑month anniversary with the remainder vesting in equal quarterly installments over the following 36 months, subject to continued employment.
Better Home & Finance Holding Co. (BETR) – Form 4: CFO Kevin J. Ryan reported multiple insider transactions tied to restricted stock units (RSUs).
- New grant: 58,000 Class A RSUs issued 28 May 2025, post 1-for-50 reverse split.
- RSU conversions: 14,500 shares on 1 Jul 2025 and 4,833 shares on 1 Aug 2025 (Code M, $0 exercise).
- Tax withholding disposals: 5,706 shares at $12.48 and 1,902 shares at $13.35 surrendered (Code F).
- Current holdings: 51,737 Class A shares held directly plus 38,667 unvested RSUs.
- Vesting schedule: 25% on 1 Jul 2025, 67% monthly through 1 Mar 2026, final 8% on 15 Mar 2026.
The CFO’s net position rose by 11,725 shares, while sizable unvested equity maintains long-term alignment with shareholders.
Form 4 — Nicholas J. Calamari (Better Home & Finance Holding Co, ticker per filing BETR)
Reporting person reported grant and vesting activity and open-market dispositions between 05/28/2025 and 08/01/2025. On 05/28/2025 38,000 restricted stock units (Class A) were recorded. Vesting schedule: 3/12 on July 1, 2025; 8/12 monthly Aug 1, 2025–Mar 1, 2026; 1/12 on Mar 15, 2026. Additional RSU-related vesting/acquisitions: 9,500 Class A RSUs vesting on 07/01/2025 and 3,166 Class A RSUs vesting on 08/01/2025.
The filing discloses dispositions: 3,829 Class A shares sold on 07/01/2025 at $12.48 and 1,276 Class A shares sold on 08/01/2025 at $13.35. The report also shows Class B Common Stock (convertible one-for-one to Class A) and related restricted stock units, including indirect holdings of 24,458 Class B shares by the Nicholas J. Calamari Family Trust and 24,458 Class B shares by the Anika G Austin Descendants Trust. The filing notes the liquidity-based vesting criterion was satisfied on Aug 22, 2023.