XOOMAR

Better Home & Finance Holding Co (BETR)

Every FINRA and SEC series the site collects for Better Home & Finance Holding Co: short interest with days to cover, daily short sale volume, fails to deliver and Form 4 insider trades. Listed on Nasdaq, classified by the SEC as loan brokers.

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2.9M

Short interest

settlement 2026-08-14

2.5

Days to cover

+14.9% vs prior

69.0%

Short share of volume

2026-09-11

618

Fails to deliver

settlement 2026-08-14

-$43K

Insider flow, 90 days

0 buys, 1 sells

As of 2026-09-11.

Short interest

FINRA, twice a month; the last 12 months shown, all 48 settlements in the JSON

As of 14 August 2026, short interest in BETR is 2,853,416 shares, up 446,515 shares over the last month. Over the last 48 readings it ranged from 125,411 shares (14 March 2025) to 2,853,416 shares (14 August 2026). The latest reading sits at the top of that range. At the reported average volume of 1.2M shares a day that is 2.5 days to cover.

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SettlementShares shortChangeAvg daily volumeDays to cover
2026-08-142,853,416+14.9%1,155,5772.47
2026-07-312,483,707+3.2%214,17311.60
2026-07-152,406,901+6.0%307,8087.82
2026-06-302,270,394-7.1%338,2696.71
2026-06-152,443,621+16.9%298,3418.19
2026-05-292,089,398-6.0%452,3624.62
2026-05-152,222,338+5.7%691,9213.21
2026-04-302,103,456+0.7%547,8843.84
2026-04-152,089,812-16.5%748,7422.79
2026-03-312,502,685+9.4%414,6436.04
2026-03-132,287,724+5.3%400,7805.71
2026-02-272,173,025-0.7%353,3256.15
2026-02-132,189,185+7.1%360,9756.06
2026-01-302,043,534+11.2%453,9464.50
2026-01-151,837,187+6.8%506,0613.63
2025-12-311,720,805+4.4%416,4974.13
2025-12-151,648,052+41.4%511,2173.22
2025-11-281,165,793+5.0%460,9172.53
2025-11-141,110,606+28.8%692,2301.60
2025-10-31862,264+6.9%859,6761.00
2025-10-15806,329-20.6%1,012,2751.00
2025-09-301,015,693+119.1%2,256,3851.00
2025-09-15463,556+3.6%73,4046.32
2025-08-29447,509-0.6%69,6646.42

Daily short volume

FINRA Reg SHO, last 60 sessions. JSON

As of 11 September 2026, the short share of BETR volume is 69.0%, up 5.7 points over the last five sessions. Over the last 52 readings it ranged from 44.3% (31 August 2026) to 79.5% (30 July 2026). The latest reading is 7.7 points above the 30-session average of 61.3%, on 144K shares reported.

DateShort volumeTotal volumeShort shareExempt
2026-09-1199K144K69.0%514
2026-09-1072K103K70.4%0
2026-09-0958K83K70.2%0
2026-09-08102K142K71.9%500
2026-09-04260K398K65.3%1,316
2026-09-0396K151K63.2%0
2026-09-02111K188K59.3%5,777
2026-09-01245K346K70.8%31,412
2026-08-3170K158K44.3%0
2026-08-28139K215K64.8%204
2026-08-27238K423K56.4%0
2026-08-26199K366K54.4%0
2026-08-25203K434K46.8%101
2026-08-24216K301K71.9%0
2026-08-21182K288K63.2%21,172
2026-08-20305K468K65.2%24,003
2026-08-19171K340K50.2%50
2026-08-18205K304K67.4%0
2026-08-17231K441K52.4%16,555
2026-08-14348K710K49.0%1,578
2026-08-13176K300K58.6%0
2026-08-12186K272K68.3%14,779
2026-08-11282K439K64.1%31,083
2026-08-10200K396K50.5%17,119
2026-08-07335K593K56.5%25,626
2026-08-06182K272K66.8%0
2026-08-05261K457K57.1%29,391
2026-08-041.3M2.0M64.3%120,941
2026-08-0379K139K57.2%0
2026-07-31115K167K69.0%0

Fails to deliver

SEC, by settlement date. JSON

As of 14 August 2026, the fails-to-deliver balance in BETR is 618 shares, down 2,365 shares over the last settlement date. Over the last 52 readings it ranged from 38 shares (17 July 2026) to 286,929 shares (5 August 2026). The latest reading sits at the bottom of that range.

SettlementShares failedPriceValue
2026-08-14618$15.00$9K
2026-08-132,983$14.84$44K
2026-08-12100$15.53$2K
2026-08-1117,518$18.05$316K
2026-08-1048,088$15.46$743K
2026-08-0737,069$16.64$617K
2026-08-0644,580$17.74$791K
2026-08-05286,929$17.27$5.0M
2026-08-047,131$27.30$195K
2026-08-0356$23.50$1K
2026-07-31657$21.28$14K
2026-07-291,137$22.44$26K
2026-07-27142$21.81$3K
2026-07-24142$21.80$3K
2026-07-2353$23.23$1K
2026-07-2181$22.99$2K
2026-07-2037,300$23.42$874K
2026-07-1738$22.65$861
2026-07-15953$24.56$23K
2026-07-1013,784$25.62$353K
2026-07-092,239$24.15$54K
2026-07-08176$27.87$5K
2026-07-077,428$29.63$220K
2026-07-064,813$28.60$138K
2026-07-02142$30.19$4K
2026-07-0116,059$27.50$442K
2026-06-3036,040$26.58$958K
2026-06-2924,648$25.67$633K
2026-06-266,424$25.58$164K
2026-06-254,285$26.19$112K

Insider trades

SEC Form 4, newest first, 50 of 100 shown. JSON

Insiders at BETR reported 1 open-market sell worth $43K in the last 90 days and no open-market buys. Sells alone are a weak signal; insiders sell for tax, diversification and estate reasons all the time. Latest filing: FEIERSTEIN BARRY (Chief Operating Officer) on 2026-09-04.

DateInsiderTitleTypeSharesPriceValueOwned after
2026-09-04FEIERSTEIN BARRYChief Operating OfficerOption exercise19K$0.00$019K
2026-09-01Tuffin PaulaGeneral Counsel and CCOGrant6K$0.00$044K
2026-09-01Smith Chad M.President, BMCOption exercise10K$0.00$023K
2026-09-01Smith Chad M.President, BMCGrant11K$0.00$011K
2026-08-19Smith Chad M.President, BMCSell3K$12.85$43K2K
2026-08-06Smith Chad M.Pres &amp; COO, Better MortgageOption exercise5K$0.00$05K
2026-08-01Orn Jonsson SigurgeirChief Technology OfficerTax withholding2K$23.50$47K8K
2026-08-01Orn Jonsson SigurgeirChief Technology OfficerOption exercise4K$0.00$010K
2026-07-01Advani LoveenChief Financial OfficerTax withholding3K$30.19$76K14K
2026-07-01Advani LoveenChief Financial OfficerOption exercise9K$0.00$016K
2026-06-30Advani LoveenChief Financial OfficerTax withholding3K$27.48$69K7K
2026-06-30Advani LoveenChief Financial OfficerOption exercise9K$0.00$010K
2026-06-11FRATER HUGH Rn/aBuy5K$24.34$125K6K
2026-06-09Massenet Arnaudn/aOption exercise11K$0.00$039K
2026-06-09Narasimhan Prabhun/aOption exercise11K$0.00$071K
2026-06-09Farello Michael J.n/aOption exercise11K$0.00$011K
2026-06-09MENON BHASKARn/aOption exercise12K$0.00$014K
2026-06-09Talwar Haritn/aOption exercise20K$0.00$065K
2026-06-09FRATER HUGH Rn/aOption exercise1K$0.00$01K
2026-06-09Barse David Michaeln/aOption exercise10K$0.00$010K
2026-05-22Talwar Haritn/aBuy5K$25.34$127K45K
2026-05-21Garg VishalChief Executive OfficerBuy16K$24.89$388K118K
2026-05-20Garg VishalChief Executive OfficerBuy15K$25.00$375K103K
2026-05-20Garg VishalChief Executive OfficerBuy600$24.99$15K88K
2026-05-18Garg VishalChief Executive OfficerBuy7K$25.00$163K87K
2026-05-18Garg VishalChief Executive OfficerBuy1K$24.99$31K81K
2026-05-18Garg VishalChief Executive OfficerBuy600$24.97$15K79K
2026-05-18Garg VishalChief Executive OfficerBuy4K$24.74$96K79K
2026-05-18Garg VishalChief Executive OfficerBuy3K$24.71$82K75K
2026-05-12Advani LoveenChief Financial OfficerBuy400$30.55$12K510
2026-05-11Advani LoveenChief Financial OfficerBuy100$31.25$3K110
2026-05-08Smith Chad M.Pres &amp; COO, Better MortgageSell118$31.38$4K21K
2026-05-08Smith Chad M.Pres &amp; COO, Better MortgageSell971$30.51$30K21K
2026-05-08Smith Chad M.Pres &amp; COO, Better MortgageSell1K$29.81$41K22K
2026-05-08Talwar Haritn/aBuy3K$30.43$91K40K
2026-05-07Garg VishalChief Executive OfficerBuy6K$30.00$194K71K
2026-05-07Garg VishalChief Executive OfficerBuy100$29.95$3K65K
2026-05-06Smith Chad M.Pres &amp; COO, Better MortgageTax withholding3K$42.69$109K2K
2026-05-06Smith Chad M.Pres &amp; COO, Better MortgageOption exercise5K$0.00$05K
2026-05-01Orn Jonsson SigurgeirChief Technology OfficerTax withholding1K$44.38$63K6K
2026-05-01Orn Jonsson SigurgeirChief Technology OfficerOption exercise4K$0.00$07K
2026-04-10Framework Ventures IV L.P.n/aBuy54K$32.96$1.8M1.0M
2026-04-09Talwar Haritn/aBuy5K$32.89$164K37K
2026-04-08Orn Jonsson SigurgeirChief Technology OfficerBuy979$36.09$35K3K
2026-04-08Orn Jonsson SigurgeirChief Technology OfficerBuy21$36.05$7573K
2026-04-08MENON BHASKARn/aBuy590$34.13$20K2K
2026-04-08Talwar Haritn/aBuy1K$33.34$33K32K
2026-04-08Garg VishalChief Executive OfficerBuy10K$35.05$351K65K
2026-04-08Advani LoveenChief Financial OfficerBuy10$35.50$35510
2026-04-02Orn Jonsson SigurgeirChief Technology OfficerTax withholding1K$32.90$46K2K

Form 4 filings are due within two business days of the trade. Insiders sell for many reasons that say nothing about the company; open-market buys are the rarer, stronger signal.

Planned sales (Form 144)

Newest first. JSON

1 Form 144 notice on file for BETR worth $42K at the prices reported; 1 in the last 90 days worth $42K. Latest: Chad Smith filed on 2026-08-19 to sell 3,307 shares ($42K) from 2026-08-19.

FiledSellerSharesMarket valueOf outstandingSale fromBroker
2026-08-19Chad SmithOfficer3K$42K0.025%2026-08-19UBS Financial Services Inc

Large holders (13D and 13G)

One row per reporting person, newest filing first. JSON

17 holders above 5% have filed on BETR, 17 on Schedule 13D (active intent). The largest reported stake is Garg Vishal at 13.7% of the class (2,029,224 shares), filed 2026-08-18 for an event on 2026-08-17.

FiledFormHolderSharesOf classEvent
2026-08-2513D/Ano. 7Steven Sarracinoindividual1.3M8.9%2026-08-25
2026-08-2513D/Ano. 7Activant Ventures Advisors III, LLCother entity1.2M8.4%2026-08-25
2026-08-2513D/Ano. 7Activant Capital Management, LPinvestment adviser, partnership1.2M8.4%2026-08-25
2026-08-2513D/Ano. 7Activant Ventures III, L.P.partnership674K4.8%2026-08-25
2026-08-2513D/Ano. 7Activant Ventures III Opportunities Fund 2, L.P.partnership235K1.7%2026-08-25
2026-08-2513D/Ano. 7Activant Ventures III Opportunities Fund 1, L.P.partnership142K1.1%2026-08-25
2026-08-2513D/Ano. 7Activant Ventures III Opportunities Fund 6, L.P.partnership121K0.9%2026-08-25
2026-08-2513D/Ano. 7Better Voyager Partners Company Limitedother entity72K0.5%2026-08-25
2026-08-2513D/Ano. 7PAVF Holding Company Limitedother entity72K0.5%2026-08-25
2026-08-2513D/Ano. 7Activant Ventures III Opportunities Fund 4, L.P.partnership28K0.2%2026-08-25
2026-08-2513D/Ano. 7Activant Ventures III Opportunities Fund 3, L.P.partnership17K0.1%2026-08-25
2026-08-1913DBobulinski Anthony Rindividual624K4.7%2026-08-12
2026-08-1913DGlobal Investment Ventures LLCother entity624K4.7%2026-08-12
2026-08-1813D/Ano. 5Garg Vishalindividual2.0M13.7%2026-08-17
2026-08-1813D/Ano. 5The 718 4Ever Trust Iother entity466K3.5%2026-08-17
2026-08-1813D/Ano. 51/0 Real Estate, LLCother entity130K1.0%2026-08-17
2026-08-1813D/Ano. 51/0 Holdco, LLCother entity130K1.0%2026-08-17
2026-08-1713D/Ano. 4Garg Vishalindividual2.0M13.7%2026-08-12
2026-08-1713D/Ano. 6Steven Sarracinoindividual1.3M8.9%2026-08-16
2026-08-1713D/Ano. 6Activant Ventures Advisors III, LLCother entity1.2M8.4%2026-08-16
2026-08-1713D/Ano. 6Activant Capital Management, LPinvestment adviser, partnership1.2M8.4%2026-08-16
2026-08-1713D/Ano. 6Activant Ventures III, L.P.partnership674K4.8%2026-08-16
2026-08-1713D/Ano. 4The 718 4Ever Trust Iother entity466K3.5%2026-08-12
2026-08-1713D/Ano. 6Activant Ventures III Opportunities Fund 2, L.P.partnership235K1.7%2026-08-16
2026-08-1713D/Ano. 6Activant Ventures III Opportunities Fund 1, L.P.partnership142K1.1%2026-08-16
2026-08-1713D/Ano. 41/0 Holdco, LLCother entity130K1.0%2026-08-12
2026-08-1713D/Ano. 41/0 Real Estate, LLCother entity130K1.0%2026-08-12
2026-08-1713D/Ano. 6Activant Ventures III Opportunities Fund 6, L.P.partnership121K0.9%2026-08-16
2026-08-1713D/Ano. 6PAVF Holding Company Limitedother entity72K0.5%2026-08-16
2026-08-1713D/Ano. 6Better Voyager Partners Company Limitedother entity72K0.5%2026-08-16
2026-08-1713D/Ano. 6Activant Ventures III Opportunities Fund 4, L.P.partnership28K0.2%2026-08-16
2026-08-1713D/Ano. 6Activant Ventures III Opportunities Fund 3, L.P.partnership17K0.1%2026-08-16

13F holders

Tracked managers holding BETR at their latest 13F. JSON

4 of the 30 tracked managers held BETR at their latest 13F, $14.2M in total at quarter-end prices. Citadel Advisors is the largest at $12.9M (0.0% of its portfolio) as of 2026-06-30. Over the prior quarter 3 added shares and 1 cut.

FundQuarterSharesValueOf portfolioChange in shares
Citadel Advisors2026-06-30470K$12.9M0.00%+102K
Millennium Management2026-06-3027K$754K0.00%-108K
AQR Capital Management2026-06-3017K$461K0.00%+1K
Millennium Management2026-06-30135K$25K0.00%+108K

Only the 30 tracked managers on the funds hub; a 13F reports long positions in US listed stock at quarter end, 45 days late, and says nothing about shorts or positions sold since.

Financials

SEC XBRL, as filed. JSON

In FY 2025 it generated -$166.6M of operating cash flow.

Cash
$102.3M
Equity
$57.9M
Total assets
$1.54B

Quarterly, last 8 quarters

QuarterPeriod endRevenueNet incomeMarginDiluted EPS
Q2 20262026-06-30n/a-$30.6Mn/a-1.64
Q1 20262026-03-31n/a-$70.3Mn/a-4.29
Q4 2025derived2025-12-31n/a-$39.9Mn/an/a
Q3 20252025-09-30n/a-$39.1Mn/a-2.56
Q2 20252025-06-30n/a-$36.3Mn/a-2.39
Q1 20252025-03-31n/a-$50.6Mn/a-3.33
Q4 2024derived2024-12-31n/a-$59.2Mn/an/a
Q3 20242024-09-30n/a-$54.2Mn/a-3.58

Fiscal years, with buybacks and dividends

Fiscal yearEndsRevenueNet incomeOperating cash flowCapexBuybacksDividends
FY 20252025-12-31$164.9M-$165.9M-$166.6M$1.2Mn/an/a
FY 20242024-12-31$108.5M-$206.3M-$380.0M$3.4Mn/an/a
FY 20232023-12-31$0-$536.4M-$159.7M$456K$0n/a
FY 20222022-12-31$12.3M-$877.1M$938.3M$11.7M$7.9Mn/a
FY 20212021-12-31n/a-$6.5M-$3.2Mn/an/an/a

Quarters are the three-month figures the company reports; a fourth quarter marked derived is the fiscal year less the three reported quarters, since companies report it only inside the 10-K. Fiscal years are the annual figures. Buybacks are cash paid to repurchase common stock in the year (XBRL PaymentsForRepurchaseOfCommonStock), not authorizations. Balance sheet lines are as of 2026-06-30.

What this page is

Better Home & Finance Holding Co in the regulatory record

Regulators publish company data in separate files that never sit next to each other: FINRA's twice-monthly short interest, its daily short sale volume, the SEC's fails-to-deliver counts, and each insider's Form 4. A company page pulls every series the site collects for one ticker onto one URL, keyed by the SEC's own ticker list, so the short position, the daily flow, the settlement fails and what insiders are doing can be read together.

Each section has its own history table, a summary sentence built from the rows (last value, change, range with dates) and its own JSON and CSV links. Nothing on the page is written by a model; the sentences change only when the data does. A page exists only for companies with data in at least two series, and every section says when its source last updated.

This page follows Better Home & Finance Holding Co (BETR), SEC CIK 1835856, listed on Nasdaq, classified by the SEC as loan brokers. The cross-market tables live on the short interest and insider transactions hubs.

Source and method

Short interest
FINRA consolidated short interestTwice a month, about eight business days after settlement. Latest 2026-08-14.JSON and CSV
Daily short volume
FINRA Reg SHO daily filesEvery trading day, loaded the following morning. Latest 2026-09-11.JSON and CSV
Fails to deliver
SEC fails-to-deliver dataTwice a month, a few weeks after the half month ends. Latest 2026-08-14.JSON and CSV
Planned sales
SEC EDGAR Form 144EDGAR read every 30 minutes; a notice is filed on or before the sell order. Latest 2026-08-19.JSON and CSV
Large holders
SEC EDGAR Schedule 13D and 13GEDGAR read every 30 minutes; 13D within five business days of crossing 5%, 13G on the passive schedule. Latest 2026-08-25.JSON and CSV
13F holders
SEC EDGAR Form 13F-HRQuarterly, filed within 45 days of quarter end; 30 tracked managers. Latest 2026-06-30.JSON and CSV
Financials
SEC XBRL company factsRefreshed weekly from the SEC's structured data; values are as filed in the 10-Q and 10-K. Latest 2026-06-30.JSON and CSV
Insider trades
SEC EDGAR Form 4EDGAR read every 30 minutes; filings are due two business days after the trade. Latest 2026-09-04.JSON and CSV
Company record
EDGAR filing index for CIK 1835856Ticker, name and exchange from the SEC's company list, refreshed weekly.
Rate limits
30 requests a minute without a key, 120 a minute with a key from a free account.

Data checks. Every dataset is checked against its source once a day. This dataset passed the last run, 13 Sep 05:40 UTC.

How to read it

  • Read the position against the flow: rising short interest with a high daily short share is new shorting; rising short interest with a normal short share is old shorts holding on.
  • Insider buys next to a crowded short are the combination that has historically preceded squeezes; insider sells next to a crowded short are common and mean little.
  • Fails to deliver matter relative to the float, not in absolute shares; a million failed shares in a mega cap is noise.

Analysis of what the data shows, not advice. XOOMAR does not recommend buying, selling or holding anything.

Datasets

Frequently Asked Questions

How much of BETR is sold short?
2,853,416 shares were held short at the 2026-08-14 settlement, 2.5 days of average volume. FINRA publishes the next count about eight business days after the 15th and the last business day of the month.
What is BETR's daily short volume?
On 2026-09-11, 99,388 of the 144,142 BETR shares reported to FINRA were sold short, 69.0% of the day's reported volume. Short volume is a flow for one day, not a position.
Does BETR have fails to deliver?
The SEC's latest file shows 618 BETR shares failed to deliver at settlement 2026-08-14. Fails are reported per settlement date and published twice a month with a lag.
Are BETR insiders buying or selling?
Insiders at BETR reported 1 open-market sell worth $43K in the last 90 days and no open-market buys. Sells alone are a weak signal; insiders sell for tax, diversification and estate reasons all the time. Latest filing: FEIERSTEIN BARRY (Chief Operating Officer) on 2026-09-04.
Have BETR insiders filed to sell?
1 Form 144 notice on file for BETR worth $42K at the prices reported; 1 in the last 90 days worth $42K. Latest: Chad Smith filed on 2026-08-19 to sell 3,307 shares ($42K) from 2026-08-19.
Who owns more than 5% of BETR?
17 holders above 5% have filed on BETR, 17 on Schedule 13D (active intent). The largest reported stake is Garg Vishal at 13.7% of the class (2,029,224 shares), filed 2026-08-18 for an event on 2026-08-17.
What did BETR report last quarter?
In FY 2025 it generated -$166.6M of operating cash flow.
Which funds hold BETR?
4 of the 30 tracked managers held BETR at their latest 13F, $14.2M in total at quarter-end prices. Citadel Advisors is the largest at $12.9M (0.0% of its portfolio) as of 2026-06-30. Over the prior quarter 3 added shares and 1 cut.

Data on this page is provided for informational purposes only and is not financial advice. See our editorial policy.