Better Home & Finance Holding (BETR)
Better Home & Finance Holding on one page: short interest, daily short volume, fails to deliver, planned sales, large holders, 13F holders, financials, earnings dates and insider trades. Listed on Nasdaq, classified by the SEC as loan brokers.
3.7M
Short interest
settlement 2026-10-15
3.3
Days to cover
-2.5 days vs prior
39.4%
Short share of volume
2026-10-28
578
Fails to deliver
settlement 2026-09-30
Thu 6 May
Next earnings
estimated date
-$108K
Insider flow, 90 days
0 buys, 4 sells
As of 2026-10-28.
Short interest
FINRA, twice a month. The newest 48 settlements in the table, 48 in the chart. JSONAs of 15 October 2026, short interest in BETR is 3,694,827 shares, up 351,118 shares over the last month. Over the last 48 readings it ranged from 125,411 shares (14 March 2025) to 3,730,972 shares (30 September 2026). The latest reading sits at the top of that range. At the reported average volume of 1.1M shares a day that is 3.3 days to cover.
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| Settlement | Shares short | Change | Avg daily volume | Days to cover |
|---|---|---|---|---|
| 2026-10-15 | 3,694,827 | -1.0% | 1,123,735 | 3.29 |
| 2026-09-30 | 3,730,972 | +11.6% | 647,018 | 5.77 |
| 2026-09-15 | 3,343,709 | +6.5% | 426,172 | 7.85 |
| 2026-08-31 | 3,140,609 | +10.1% | 745,441 | 4.21 |
| 2026-08-14 | 2,853,416 | +14.9% | 1,155,577 | 2.47 |
| 2026-07-31 | 2,483,707 | +3.2% | 214,173 | 11.60 |
| 2026-07-15 | 2,406,901 | +6.0% | 307,808 | 7.82 |
| 2026-06-30 | 2,270,394 | -7.1% | 338,269 | 6.71 |
| 2026-06-15 | 2,443,621 | +16.9% | 298,341 | 8.19 |
| 2026-05-29 | 2,089,398 | -6.0% | 452,362 | 4.62 |
| 2026-05-15 | 2,222,338 | +5.7% | 691,921 | 3.21 |
| 2026-04-30 | 2,103,456 | +0.7% | 547,884 | 3.84 |
| 2026-04-15 | 2,089,812 | -16.5% | 748,742 | 2.79 |
| 2026-03-31 | 2,502,685 | +9.4% | 414,643 | 6.04 |
| 2026-03-13 | 2,287,724 | +5.3% | 400,780 | 5.71 |
| 2026-02-27 | 2,173,025 | -0.7% | 353,325 | 6.15 |
| 2026-02-13 | 2,189,185 | +7.1% | 360,975 | 6.06 |
| 2026-01-30 | 2,043,534 | +11.2% | 453,946 | 4.50 |
| 2026-01-15 | 1,837,187 | +6.8% | 506,061 | 3.63 |
| 2025-12-31 | 1,720,805 | +4.4% | 416,497 | 4.13 |
| 2025-12-15 | 1,648,052 | +41.4% | 511,217 | 3.22 |
| 2025-11-28 | 1,165,793 | +5.0% | 460,917 | 2.53 |
| 2025-11-14 | 1,110,606 | +28.8% | 692,230 | 1.60 |
| 2025-10-31 | 862,264 | +6.9% | 859,676 | 1.00 |
| 2025-10-15 | 806,329 | -20.6% | 1,012,275 | 1.00 |
| 2025-09-30 | 1,015,693 | +119.1% | 2,256,385 | 1.00 |
| 2025-09-15 | 463,556 | +3.6% | 73,404 | 6.32 |
| 2025-08-29 | 447,509 | -0.6% | 69,664 | 6.42 |
| 2025-08-15 | 450,274 | +10.9% | 58,142 | 7.74 |
| 2025-07-31 | 406,021 | -2.4% | 31,867 | 12.74 |
| 2025-07-15 | 416,097 | +21.0% | 45,845 | 9.08 |
| 2025-06-30 | 343,782 | +107.7% | 149,786 | 2.30 |
| 2025-06-13 | 165,506 | +5.9% | 97,512 | 1.70 |
| 2025-05-30 | 156,296 | -18.5% | 56,397 | 2.77 |
| 2025-05-15 | 191,847 | +0.7% | 31,008 | 6.19 |
| 2025-04-30 | 190,513 | +27.6% | 43,656 | 4.36 |
| 2025-04-15 | 149,248 | -7.5% | 70,307 | 2.12 |
| 2025-03-31 | 161,268 | +28.6% | 50,497 | 3.19 |
| 2025-03-14 | 125,411 | -4.8% | 48,149 | 2.60 |
| 2025-02-28 | 131,727 | +1.6% | 19,964 | 6.60 |
| 2025-02-14 | 129,618 | -12.5% | 33,081 | 3.92 |
| 2025-01-31 | 148,131 | +9.4% | 51,774 | 2.86 |
| 2025-01-15 | 135,381 | -23.3% | 52,113 | 2.60 |
| 2024-12-31 | 176,510 | +10.9% | 28,883 | 6.11 |
| 2024-12-13 | 159,104 | -4.0% | 43,985 | 3.62 |
| 2024-11-29 | 165,819 | -17.6% | 34,420 | 4.82 |
| 2024-11-15 | 201,213 | +18.8% | 45,069 | 4.46 |
| 2024-10-31 | 169,435 | +12.9% | 45,583 | 3.72 |
Daily short volume
FINRA Reg SHO, the last 30 sessions. JSONAs of 28 October 2026, the short share of BETR volume is 39.4%, down 16.1 points over the last five sessions. Over the last 30 readings it ranged from 39.4% (28 October 2026) to 78.3% (23 September 2026). The latest reading sits at the bottom of that range. The latest reading is 23.2 points below the 30-session average of 62.6%, on 389K shares reported.
| Date | Short volume | Total volume | Short share | Exempt |
|---|---|---|---|---|
| 2026-10-28 | 153K | 389K | 39.4% | 4,461 |
| 2026-10-27 | 396K | 594K | 66.7% | 514 |
| 2026-10-26 | 233K | 347K | 67.1% | 226 |
| 2026-10-23 | 258K | 400K | 64.5% | 654 |
| 2026-10-22 | 558K | 947K | 58.9% | 5,756 |
| 2026-10-21 | 773K | 1.4M | 55.5% | 4,497 |
| 2026-10-20 | 657K | 1.3M | 49.6% | 0 |
| 2026-10-19 | 248K | 368K | 67.5% | 0 |
| 2026-10-16 | 183K | 353K | 51.7% | 53 |
| 2026-10-15 | 1.1M | 1.8M | 61.5% | 130,483 |
| 2026-10-14 | 530K | 798K | 66.5% | 71,788 |
| 2026-10-13 | 179K | 297K | 60.2% | 3,278 |
| 2026-10-12 | 257K | 432K | 59.4% | 24,917 |
| 2026-10-09 | 129K | 200K | 64.3% | 620 |
| 2026-10-08 | 233K | 434K | 53.6% | 34,588 |
| 2026-10-07 | 391K | 579K | 67.6% | 41,249 |
| 2026-10-06 | 179K | 273K | 65.6% | 0 |
| 2026-10-05 | 200K | 285K | 70.1% | 410 |
| 2026-10-02 | 193K | 430K | 44.9% | 640 |
| 2026-10-01 | 132K | 188K | 70.5% | 0 |
| 2026-09-30 | 584K | 881K | 66.3% | 0 |
| 2026-09-29 | 144K | 196K | 73.1% | 2,611 |
| 2026-09-28 | 165K | 240K | 68.7% | 0 |
| 2026-09-25 | 177K | 304K | 58.3% | 15,580 |
| 2026-09-24 | 477K | 629K | 75.8% | 43,235 |
| 2026-09-23 | 184K | 236K | 78.3% | 30 |
| 2026-09-22 | 123K | 179K | 68.5% | 594 |
| 2026-09-21 | 90K | 175K | 51.7% | 10 |
| 2026-09-18 | 92K | 132K | 69.7% | 200 |
| 2026-09-17 | 70K | 110K | 63.8% | 13 |
Fails to deliver
SEC, the last 30 settlement dates with a fail. JSONAs of 30 September 2026, the fails-to-deliver balance in BETR is 578 shares, down 2,437 shares over the last settlement date. Over the last 30 readings it ranged from 95 shares (10 September 2026) to 97,858 shares (25 September 2026). The latest reading sits at the bottom of that range.
| Settlement | Shares failed | Price | Value |
|---|---|---|---|
| 2026-09-30 | 578 | $10.23 | $6K |
| 2026-09-29 | 3,015 | $10.08 | $30K |
| 2026-09-28 | 3,963 | $10.45 | $41K |
| 2026-09-25 | 97,858 | $10.84 | $1.1M |
| 2026-09-24 | 32,379 | $12.16 | $394K |
| 2026-09-23 | 4,285 | $13.14 | $56K |
| 2026-09-22 | 8,586 | $12.42 | $107K |
| 2026-09-21 | 16,340 | $12.06 | $197K |
| 2026-09-18 | 6,682 | $12.32 | $82K |
| 2026-09-17 | 45,435 | $12.36 | $562K |
| 2026-09-16 | 10,981 | $12.77 | $140K |
| 2026-09-11 | 1,141 | $13.21 | $15K |
| 2026-09-10 | 95 | $13.46 | $1K |
| 2026-09-09 | 6,598 | $13.60 | $90K |
| 2026-09-08 | 8,304 | $14.48 | $120K |
| 2026-09-04 | 1,746 | $13.20 | $23K |
| 2026-09-03 | 10,528 | $12.30 | $129K |
| 2026-09-02 | 8,597 | $12.23 | $105K |
| 2026-09-01 | 6,923 | $13.84 | $96K |
| 2026-08-31 | 3,230 | $13.85 | $45K |
| 2026-08-28 | 3,579 | $14.59 | $52K |
| 2026-08-27 | 1,946 | $13.41 | $26K |
| 2026-08-26 | 35,212 | $12.30 | $433K |
| 2026-08-25 | 23,923 | $11.73 | $281K |
| 2026-08-24 | 27,129 | $11.68 | $317K |
| 2026-08-21 | 2,268 | $11.60 | $26K |
| 2026-08-19 | 15,680 | $13.05 | $205K |
| 2026-08-14 | 618 | $15.00 | $9K |
| 2026-08-13 | 2,983 | $14.84 | $44K |
| 2026-08-12 | 100 | $15.53 | $2K |
Insider trades
SEC Form 4, newest first. JSONInsiders at BETR reported 4 open-market sells worth $108K in the last 90 days and no open-market buys. Latest filing: Tuffin Paula (General Counsel and CCO) on 2026-10-19.
| Date | Insider | Title | Type | Shares | Price | Value | Owned after |
|---|---|---|---|---|---|---|---|
| 2026-10-19 | Tuffin Paula | General Counsel and CCO | Sell | 1K | $10.48 | $13K | 42K |
| 2026-10-19 | Nicholas J. Calamari | Director | Sell | 1K | $10.53 | $14K | 67K |
| 2026-10-01 | Tuffin Paula | General Counsel and CCO | Grant | 2K | $11.19 | $25K | 43K |
| 2026-10-01 | Garg Vishal | Director, 10% owner | Tax withholding | 1K | $11.19 | $14K | 122K |
| 2026-10-01 | Garg Vishal | Director, 10% owner | Grant | 2K | $0.00 | $0 | 123K |
| 2026-10-01 | Advani Loveen | Chief Financial Officer | Tax withholding | 3K | $11.19 | $28K | 20K |
| 2026-10-01 | Advani Loveen | Chief Financial Officer | Exercise or conversion | 9K | $0.00 | $0 | 23K |
| 2026-09-17 | Tuffin Paula | General Counsel and CCO | Sell | 3K | $12.36 | $38K | 41K |
| 2026-09-04 | FEIERSTEIN BARRY | Chief Operating Officer | Exercise or conversion | 19K | $0.00 | $0 | 19K |
| 2026-09-01 | Garg Vishal | Director, 10% owner | Tax withholding | 3K | $12.23 | $41K | 121K |
| 2026-09-01 | Garg Vishal | Director, 10% owner | Grant | 6K | $0.00 | $0 | 124K |
| 2026-09-01 | Tuffin Paula | General Counsel and CCO | Grant | 6K | $0.00 | $0 | 44K |
| 2026-09-01 | Smith Chad M. | President, BMC | Exercise or conversion | 10K | $0.00 | $0 | 23K |
| 2026-09-01 | Smith Chad M. | President, BMC | Grant | 11K | $0.00 | $0 | 11K |
| 2026-08-19 | Smith Chad M. | President, BMC | Sell | 3K | $12.85 | $43K | 2K |
| 2026-08-06 | Smith Chad M. | Pres & COO, Better Mortgage | Exercise or conversion | 5K | $0.00 | $0 | 5K |
| 2026-08-01 | Orn Jonsson Sigurgeir | Chief Technology Officer | Tax withholding | 2K | $23.50 | $47K | 8K |
| 2026-08-01 | Orn Jonsson Sigurgeir | Chief Technology Officer | Exercise or conversion | 4K | $0.00 | $0 | 10K |
| 2026-07-01 | Advani Loveen | Chief Financial Officer | Tax withholding | 3K | $30.19 | $76K | 14K |
| 2026-07-01 | Advani Loveen | Chief Financial Officer | Exercise or conversion | 9K | $0.00 | $0 | 16K |
| 2026-06-30 | Advani Loveen | Chief Financial Officer | Tax withholding | 3K | $27.48 | $69K | 7K |
| 2026-06-30 | Advani Loveen | Chief Financial Officer | Exercise or conversion | 9K | $0.00 | $0 | 10K |
| 2026-06-11 | FRATER HUGH R | Director | Buy | 5K | $24.34 | $125K | 6K |
| 2026-06-09 | Massenet Arnaud | Director | Exercise or conversion | 11K | $0.00 | $0 | 39K |
| 2026-06-09 | Narasimhan Prabhu | Director | Exercise or conversion | 11K | $0.00 | $0 | 71K |
| 2026-06-09 | Farello Michael J. | Director | Exercise or conversion | 11K | $0.00 | $0 | 11K |
| 2026-06-09 | MENON BHASKAR | Director | Exercise or conversion | 12K | $0.00 | $0 | 14K |
| 2026-06-09 | Talwar Harit | Director | Exercise or conversion | 20K | $0.00 | $0 | 65K |
| 2026-06-09 | FRATER HUGH R | Director | Exercise or conversion | 1K | $0.00 | $0 | 1K |
| 2026-06-09 | Barse David Michael | Director | Exercise or conversion | 10K | $0.00 | $0 | 10K |
| 2026-05-22 | Talwar Harit | Director | Buy | 5K | $25.34 | $127K | 45K |
| 2026-05-21 | Garg Vishal | Chief Executive Officer | Buy | 16K | $24.89 | $388K | 118K |
| 2026-05-20 | Garg Vishal | Chief Executive Officer | Buy | 15K | $25.00 | $375K | 103K |
| 2026-05-20 | Garg Vishal | Chief Executive Officer | Buy | 600 | $24.99 | $15K | 88K |
| 2026-05-18 | Garg Vishal | Chief Executive Officer | Buy | 7K | $25.00 | $163K | 87K |
| 2026-05-18 | Garg Vishal | Chief Executive Officer | Buy | 1K | $24.99 | $31K | 81K |
| 2026-05-18 | Garg Vishal | Chief Executive Officer | Buy | 600 | $24.97 | $15K | 79K |
| 2026-05-18 | Garg Vishal | Chief Executive Officer | Buy | 4K | $24.74 | $96K | 79K |
| 2026-05-18 | Garg Vishal | Chief Executive Officer | Buy | 3K | $24.71 | $82K | 75K |
| 2026-05-12 | Advani Loveen | Chief Financial Officer | Buy | 400 | $30.55 | $12K | 510 |
| 2026-05-11 | Advani Loveen | Chief Financial Officer | Buy | 100 | $31.25 | $3K | 110 |
| 2026-05-08 | Smith Chad M. | Pres & COO, Better Mortgage | Sell | 118 | $31.38 | $4K | 21K |
| 2026-05-08 | Smith Chad M. | Pres & COO, Better Mortgage | Sell | 971 | $30.51 | $30K | 21K |
| 2026-05-08 | Smith Chad M. | Pres & COO, Better Mortgage | Sell | 1K | $29.81 | $41K | 22K |
| 2026-05-08 | Talwar Harit | Director | Buy | 3K | $30.43 | $91K | 40K |
| 2026-05-07 | Garg Vishal | Chief Executive Officer | Buy | 6K | $30.00 | $194K | 71K |
| 2026-05-07 | Garg Vishal | Chief Executive Officer | Buy | 100 | $29.95 | $3K | 65K |
| 2026-05-06 | Smith Chad M. | Pres & COO, Better Mortgage | Tax withholding | 3K | $42.69 | $109K | 2K |
| 2026-05-06 | Smith Chad M. | Pres & COO, Better Mortgage | Exercise or conversion | 5K | $0.00 | $0 | 5K |
| 2026-05-01 | Orn Jonsson Sigurgeir | Chief Technology Officer | Tax withholding | 1K | $44.38 | $63K | 6K |
| 2026-05-01 | Orn Jonsson Sigurgeir | Chief Technology Officer | Exercise or conversion | 4K | $0.00 | $0 | 7K |
| 2026-04-10 | Framework Ventures IV L.P. | 10% owner | Buy | 54K | $32.96 | $1.8M | 1.0M |
| 2026-04-09 | Talwar Harit | Director | Buy | 5K | $32.89 | $164K | 37K |
| 2026-04-08 | Orn Jonsson Sigurgeir | Chief Technology Officer | Buy | 979 | $36.09 | $35K | 3K |
| 2026-04-08 | Orn Jonsson Sigurgeir | Chief Technology Officer | Buy | 21 | $36.05 | $757 | 3K |
| 2026-04-08 | MENON BHASKAR | Director | Buy | 590 | $34.13 | $20K | 2K |
| 2026-04-08 | Talwar Harit | Director | Buy | 1K | $33.34 | $33K | 32K |
| 2026-04-08 | Garg Vishal | Chief Executive Officer | Buy | 10K | $35.05 | $351K | 65K |
| 2026-04-08 | Advani Loveen | Chief Financial Officer | Buy | 10 | $35.50 | $355 | 10 |
| 2026-04-02 | Orn Jonsson Sigurgeir | Chief Technology Officer | Tax withholding | 1K | $32.90 | $46K | 2K |
| 2026-04-02 | Talwar Harit | Director | Buy | 5K | $35.24 | $176K | 31K |
| 2026-03-25 | Garg Vishal | Chief Executive Officer | Buy | 2K | $29.90 | $66K | 55K |
| 2026-03-24 | Garg Vishal | Chief Executive Officer | Buy | 3K | $30.06 | $87K | 53K |
| 2026-03-24 | Garg Vishal | Chief Executive Officer | Buy | 999 | $29.08 | $29K | 50K |
| 2026-03-24 | Garg Vishal | Chief Executive Officer | Buy | 7K | $28.37 | $190K | 49K |
| 2026-03-23 | Spencer Vance | TenPercentOwner | Buy | 40K | $29.60 | $1.2M | 952K |
| 2026-03-23 | Framework Ventures IV L.P. | 10% owner | Buy | 40K | $29.60 | $1.2M | 952K |
| 2026-03-23 | Garg Vishal | Chief Executive Officer | Buy | 10K | $29.56 | $291K | 42K |
| 2026-03-23 | Garg Vishal | Chief Executive Officer | Buy | 750 | $28.50 | $21K | 32K |
| 2026-03-19 | Spencer Vance | TenPercentOwner | Buy | 53K | $28.48 | $1.5M | 912K |
| 2026-03-19 | Framework Ventures IV L.P. | 10% owner | Buy | 53K | $28.48 | $1.5M | 912K |
| 2026-03-17 | Smith Chad M. | Pres & COO, Better Mortgage | Sell | 2K | $28.51 | $68K | 19K |
| 2026-03-16 | Framework Ventures Management LLC | TenPercentOwner | Buy | 25K | $29.55 | $739K | 859K |
| 2026-03-16 | Framework Ventures IV L.P. | 10% owner | Buy | 25K | $29.55 | $739K | 859K |
| 2026-03-16 | Smith Chad M. | Pres & COO, Better Mortgage | Tax withholding | 2K | $34.45 | $85K | 5K |
| 2026-03-16 | Smith Chad M. | Pres & COO, Better Mortgage | Sell | 3K | $29.80 | $77K | 21K |
| 2026-03-16 | Tuffin Paula | General Counsel and CCO | Tax withholding | 2K | $34.45 | $56K | 38K |
| 2026-03-15 | Smith Chad M. | Pres & COO, Better Mortgage | Exercise or conversion | 5K | $0.00 | $0 | 7K |
| 2026-03-15 | Tuffin Paula | General Counsel and CCO | Exercise or conversion | 3K | $0.00 | $0 | 40K |
| 2026-03-15 | Garg Vishal | Chief Executive Officer | Tax withholding | 2K | $34.45 | $60K | 31K |
| 2026-03-15 | Garg Vishal | Chief Executive Officer | Exercise or conversion | 3K | $0.00 | $0 | 33K |
| 2026-03-13 | Framework Ventures Management LLC | TenPercentOwner | Buy | 29K | $34.12 | $1.0M | 834K |
| 2026-03-13 | Framework Ventures IV L.P. | 10% owner | Buy | 29K | $34.12 | $1.0M | 834K |
| 2026-03-13 | Smith Chad M. | Pres & COO, Better Mortgage | Tax withholding | 2K | $32.90 | $75K | 3K |
| 2026-03-13 | Tuffin Paula | General Counsel and CCO | Tax withholding | 1K | $32.90 | $40K | 36K |
| 2026-03-13 | Garg Vishal | Chief Executive Officer | Tax withholding | 1K | $32.90 | $43K | 30K |
| 2026-03-11 | Framework Ventures IV L.P. | 10% owner | Buy | 22K | $39.73 | $858K | 805K |
| 2026-03-10 | Framework Ventures IV L.P. | 10% owner | Exercise (in or at the money) | 106K | $27.25 | $2.9M | 783K |
| 2026-03-10 | Framework Ventures IV L.P. | 10% owner | Exercise (in or at the money) | 106K | $27.00 | $2.9M | 678K |
| 2026-03-09 | Framework Ventures IV L.P. | 10% owner | Buy | 10K | $35.46 | $355K | 572K |
| 2026-03-01 | Smith Chad M. | Pres & COO, Better Mortgage | Exercise or conversion | 5K | $0.00 | $0 | 5K |
| 2026-03-01 | Tuffin Paula | General Counsel and CCO | Exercise or conversion | 3K | $0.00 | $0 | 38K |
| 2026-03-01 | Nicholas J. Calamari | CAO and Senior Counsel | Exercise or conversion | 3K | $0.00 | $0 | 34K |
| 2026-03-01 | Garg Vishal | Chief Executive Officer | Exercise or conversion | 3K | $0.00 | $0 | 31K |
| 2026-02-17 | Smith Chad M. | Pres & COO, Better Mortgage | Sell | 996 | $30.39 | $30K | 16K |
| 2026-02-17 | Smith Chad M. | Pres & COO, Better Mortgage | Sell | 5K | $30.01 | $150K | 17K |
| 2026-02-17 | Smith Chad M. | Pres & COO, Better Mortgage | Tax withholding | 7K | $29.11 | $204K | 8K |
| 2026-02-17 | Tuffin Paula | General Counsel and CCO | Tax withholding | 8K | $29.11 | $236K | 34K |
| 2026-02-17 | Nicholas J. Calamari | CAO and Senior Counsel | Tax withholding | 9K | $29.11 | $263K | 31K |
| 2026-02-17 | Garg Vishal | Chief Executive Officer | Tax withholding | 9K | $29.11 | $263K | 28K |
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 rarer.
Planned sales (Form 144)
Newest first. JSON18 Form 144 notices on file for BETR worth $4.5M at the prices reported; 5 in the last 90 days worth $240K. Latest: Nicholas Calamari filed on 2026-10-19 to sell 1,320 shares ($14K) from 2026-10-19.
| Filed | Seller | Shares | Market value | Of outstanding | Sale from | Broker |
|---|---|---|---|---|---|---|
| 2026-10-19 | Nicholas CalamariOfficer | 1K | $14K | 0.010% | 2026-10-19 | UBS Financial Services Inc |
| 2026-10-19 | Paula TuffinOfficer | 1K | $13K | 0.009% | 2026-10-19 | UBS Financial Services Inc |
| 2026-09-17 | Paula TuffinOfficer | 3K | $38K | 0.023% | 2026-09-17 | UBS Financial Services Inc |
| 2026-09-17 | Chad Smithformer officer | 11K | $132K | 0.081% | 2026-09-17 | UBS Financial Services Inc |
| 2026-08-19 | Chad SmithOfficer | 3K | $42K | 0.025% | 2026-08-19 | UBS Financial Services Inc |
| 2026-03-17 | CHAD M SMITHOFFICER | 2K | $68K | 0.024% | 2026-03-17 | MERRILL LYNCH |
| 2026-03-16 | CHAD M SMITHOFFICER | 3K | $77K | 0.026% | 2026-03-16 | MERRILL LYNCH |
| 2026-02-17 | CHAD M SMITHOFFICER | 6K | $180K | 0.061% | 2026-02-17 | MERRILL LYNCH |
| 2026-02-10 | CHAD M SMITHOFFICER | 2K | $58K | 0.021% | 2026-02-10 | MERRILL LYNCH |
| 2026-02-03 | CHAD M SMITHOFFICER | 3K | $84K | 0.031% | 2026-02-03 | MERRILL LYNCH |
| 2026-01-15 | CHAD M SMITHOFFICER | 6K | $220K | 0.061% | 2026-01-15 | MERRILL LYNCH |
| 2026-01-06 | CHAD M SMITHOFFICER | 3K | $100K | 0.029% | 2026-01-06 | MERRILL LYNCH |
| 2025-12-15 | CHAD M SMITHOFFICER | 6K | $243K | 0.061% | 2025-12-15 | MERRILL LYNCH |
| 2025-12-12 | CHAD M SMITHOFFICER | 2K | $113K | 0.024% | 2025-12-12 | MERRILL LYNCH |
| 2025-12-11 | Paula A. TuffinAffiliate | 24K | $1.2M | 0.244% | 2025-12-11 | J.P. Morgan Securities LLC |
| 2025-11-26 | Kevin RyanOfficer | 8K | $365K | 0.081% | 2025-11-26 | UBS Financial Services Inc |
| 2025-11-24 | Kevin RyanOfficer | 20K | $890K | 0.203% | 2025-11-24 | UBS Financial Services Inc |
| 2025-11-17 | Kevin RyanOfficer | 13K | $687K | 0.129% | 2025-11-17 | UBS Financial Services Inc |
Large holders (13D and 13G)
One row per reporting person with its latest filing, newest first. JSON16 holders report 5% or more of BETR in their latest filing, 8 on Schedule 13D (active intent). The largest reported stake is Vishal Garg at 16.0% of the class (1,927,619 shares), filed 2025-12-29 for an event on 2025-12-22.
| Filed | Form | Holder | Shares | Of class | Event |
|---|---|---|---|---|---|
| 2026-10-16 | 13G/Ano. 1 | Israel A. Englanderindividual | 592K | 4.5% | 2026-09-30 |
| 2026-10-16 | 13G/Ano. 1 | Millennium Group Management LLCother entity | 592K | 4.5% | 2026-09-30 |
| 2026-10-16 | 13G/Ano. 1 | Millennium Management LLCother entity | 592K | 4.5% | 2026-09-30 |
| 2026-10-16 | 13G/Ano. 1 | Integrated Core Strategies (US) LLCother entity | 582K | 4.4% | 2026-09-30 |
| 2026-10-07 | 13D/Ano. 8 | Steven Sarracinoindividual | 1.3M | 8.9% | 2026-10-05 |
| 2026-10-07 | 13D/Ano. 8 | Activant Ventures Advisors III, LLCother entity | 1.2M | 8.4% | 2026-10-05 |
| 2026-10-07 | 13D/Ano. 8 | Activant Capital Management, LPinvestment adviser, partnership | 1.2M | 8.4% | 2026-10-05 |
| 2026-10-07 | 13D/Ano. 8 | Activant Ventures III, L.P.partnership | 674K | 4.8% | 2026-10-05 |
| 2026-10-07 | 13D/Ano. 8 | Activant Ventures III Opportunities Fund 2, L.P.partnership | 235K | 1.7% | 2026-10-05 |
| 2026-10-07 | 13D/Ano. 8 | Activant Ventures III Opportunities Fund 1, L.P.partnership | 142K | 1.1% | 2026-10-05 |
| 2026-10-07 | 13D/Ano. 8 | Activant Ventures III Opportunities Fund 6, L.P.partnership | 121K | 0.9% | 2026-10-05 |
| 2026-10-07 | 13D/Ano. 8 | PAVF Holding Company Limitedother entity | 72K | 0.5% | 2026-10-05 |
| 2026-10-07 | 13D/Ano. 8 | Better Voyager Partners Company Limitedother entity | 72K | 0.5% | 2026-10-05 |
| 2026-10-07 | 13D/Ano. 8 | Activant Ventures III Opportunities Fund 4, L.P.partnership | 28K | 0.2% | 2026-10-05 |
| 2026-10-07 | 13D/Ano. 8 | Activant Ventures III Opportunities Fund 3, L.P.partnership | 17K | 0.1% | 2026-10-05 |
| 2026-10-05 | 13D/Ano. 6 | Garg Vishalindividual | 2.0M | 13.7% | 2026-10-05 |
| 2026-10-05 | 13D/Ano. 6 | The 718 4Ever Trust Iother entity | 466K | 3.5% | 2026-10-05 |
| 2026-10-05 | 13D/Ano. 6 | 1/0 Holdco, LLCother entity | 130K | 1.0% | 2026-10-05 |
| 2026-10-05 | 13D/Ano. 6 | 1/0 Real Estate, LLCother entity | 130K | 1.0% | 2026-10-05 |
| 2026-08-19 | 13D | Global Investment Ventures LLCother entity | 624K | 4.7% | 2026-08-12 |
| 2026-08-19 | 13D | Bobulinski Anthony Rindividual | 624K | 4.7% | 2026-08-12 |
| 2026-08-14 | 13G/Ano. 2 | FRONTIER CAPITAL MANAGEMENT CO.,LLCinvestment adviser | 626K | 4.8% | 2026-06-30 |
| 2026-07-27 | 13G | BlackRock, Inc.parent holding company | 680K | 5.2% | 2026-06-30 |
| 2026-06-29 | 13D/Ano. 4 | Activant Capital Management, LLCinvestment adviser, other entity | 1.2M | 8.5% | 2026-06-22 |
| 2026-06-29 | 13D/Ano. 4 | Activant Holdings I, Ltd.other entity | 0 | 0.0% | 2026-06-22 |
| 2026-05-19 | 13D/Ano. 9 | Thor Bjorgolfssonindividual | 958K | 7.3% | 2026-05-09 |
| 2026-05-19 | 13D/Ano. 9 | Novator Capital Sponsor Ltd.other entity | 659K | 5.0% | 2026-05-09 |
| 2026-05-19 | 13D/Ano. 9 | The Telco Holding Trustother entity | 299K | 2.3% | 2026-05-09 |
| 2026-04-06 | 13G | Spencer Vanceindividual | 1.3M | 12.4% | 2026-03-31 |
| 2026-04-06 | 13G | Anderson Michael Ernestindividual | 1.2M | 11.3% | 2026-03-31 |
| 2026-04-06 | 13G | Framework Ventures IV GP LLCother entity | 952K | 9.0% | 2026-03-31 |
| 2026-04-06 | 13G | Framework Ventures Management LLCinvestment adviser | 952K | 9.0% | 2026-03-31 |
| 2026-04-06 | 13G | Framework Ventures IV L.P.partnership | 952K | 9.0% | 2026-03-31 |
| 2026-04-06 | 13G | Framework Labs, Inc.corporation | 247K | 2.3% | 2026-03-31 |
| 2026-03-26 | 13G/Ano. 1 | The Vanguard Groupinvestment adviser | 0 | 0.0% | 2026-03-13 |
| 2026-02-13 | 13G/Ano. 2 | Healthcare of Ontario Pension Plan Trust Fundnon-US institution | 579K | 5.9% | 2025-12-31 |
| 2026-02-09 | 13G/Ano. 1 | Orange Capital Ventures LPpartnership | 587K | 5.8% | 2025-10-21 |
| 2025-12-29 | 13D/Ano. 2 | Vishal Gargindividual | 1.9M | 16.0% | 2025-12-22 |
| 2025-09-24 | 13D/Ano. 1 | NEWMAN HOWARD Hindividual | 0 | 0.0% | 2025-09-22 |
| 2025-09-24 | 13D/Ano. 1 | PBRA, LLCother entity | 0 | 0.0% | 2025-09-22 |
| 2025-09-24 | 13D/Ano. 1 | Pine Brook Road Advisors, L.P.partnership | 0 | 0.0% | 2025-09-22 |
| 2025-09-24 | 13D/Ano. 1 | Pine Brook Road Associates II, L.P.partnership | 0 | 0.0% | 2025-09-22 |
| 2025-09-24 | 13D/Ano. 1 | Pine Brook Capital Partners II, L.P.partnership | 0 | 0.0% | 2025-09-22 |
13F holders
Tracked managers holding BETR at their latest 13F. JSON3 of the 30 tracked managers held BETR at their latest 13F, $10.5M in total at quarter-end prices. Citadel Advisors is the largest at $9.2M (0.0% of its portfolio) as of 2026-06-30. Over the prior quarter 3 added shares and 0 cut.
| Fund | Quarter | Shares | Value | Of portfolio | Change in shares |
|---|---|---|---|---|---|
| Citadel Advisors | 2026-06-30 | 336K | $9.2M | 0.00% | +106K |
| Millennium Management | 2026-06-30 | 27K | $754K | 0.00% | new |
| AQR Capital Management | 2026-06-30 | 17K | $461K | 0.00% | +1K |
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. JSONIn FY 2025 it generated -$166.6M of operating cash flow.
- Cash
- $102.3M
- Equity
- $57.9M
- Total assets
- $1.54B
Quarterly, last 8 quarters
| Quarter | Period end | Revenue | Net income | Margin | Diluted EPS |
|---|---|---|---|---|---|
| Q2 FY 2026 | 2026-06-30 | n/a | -$30.6M | n/a | -1.64 |
| Q1 FY 2026 | 2026-03-31 | n/a | -$70.3M | n/a | -4.29 |
| Q4 FY 2025derived | 2025-12-31 | n/a | -$39.9M | n/a | n/a |
| Q3 FY 2025 | 2025-09-30 | n/a | -$39.1M | n/a | -2.56 |
| Q2 FY 2025 | 2025-06-30 | n/a | -$36.3M | n/a | -2.39 |
| Q1 FY 2025 | 2025-03-31 | n/a | -$50.6M | n/a | -3.33 |
| Q4 FY 2024derived | 2024-12-31 | n/a | -$59.2M | n/a | n/a |
| Q3 FY 2024 | 2024-09-30 | n/a | -$54.2M | n/a | -3.58 |
Fiscal years, with buybacks and dividends
| Fiscal year | Ends | Revenue | Net income | Operating cash flow | Capex | Buybacks | Dividends |
|---|---|---|---|---|---|---|---|
| FY 2025 | 2025-12-31 | $164.9M | -$165.9M | -$166.6M | $1.2M | n/a | n/a |
| FY 2024 | 2024-12-31 | $108.5M | -$206.3M | -$380.0M | $3.4M | n/a | n/a |
| FY 2023 | 2023-12-31 | $0 | -$536.4M | -$159.7M | $456K | $0 | n/a |
| FY 2022 | 2022-12-31 | $12.3M | -$877.1M | $938.3M | $11.7M | $7.9M | n/a |
| FY 2021 | 2021-12-31 | n/a | -$6.5M | -$3.2M | n/a | n/a | n/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 the cash the company paid to repurchase its common stock in the year, not the amount authorized. Balance sheet lines are as of 2026-06-30.
What this page is
Better Home & Finance Holding 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 puts those series for one ticker on one URL, with planned sales, large holders, 13F holders and financials beside them, 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 one-line summary of the latest figures and its own JSON and CSV links, and says when its source last updated.
This page follows Better Home & Finance Holding (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 updates
- Short interest
- FINRA consolidated short interestSource: FINRA.Twice a month, about eight business days after settlement. Latest 2026-10-15.JSON and CSV
- Daily short volume
- FINRA Reg SHO daily filesSource: FINRA.Every trading day, the morning after FINRA posts it. Latest 2026-10-28.JSON and CSV
- Fails to deliver
- SEC fails-to-deliver dataSource: SEC.Twice a month, a few weeks after the half month ends. Latest 2026-09-30.JSON and CSV
- Planned sales
- SEC EDGAR Form 144Source: SEC.New notices appear shortly after the SEC posts them; a notice is filed on or before the sale. Latest 2026-10-19.JSON and CSV
- Large holders
- SEC EDGAR Schedule 13D and 13GSource: SEC.New filings appear shortly after the SEC posts them. A 13D is due within five business days of crossing 5%; a 13G follows the passive schedule. Latest 2026-10-16.JSON and CSV
- 13F holders
- SEC EDGAR Form 13F-HRSource: SEC.Quarterly, filed within 45 days of quarter end; 30 tracked managers. Latest 2026-06-30.JSON and CSV
- Financials
- SEC EDGAR 10-K and 10-Q filingsSource: SEC.Weekly; values are as filed in the 10-Q and 10-K. Latest 2026-06-30.JSON and CSV
- Earnings dates
- SEC EDGAR 8-K filings (Item 2.02)Source: SEC.Twice a day. Reported dates come from the company's 8-K filings; the next date is marked as an estimate until the 8-K arrives. Latest 2026-10-14.JSON and CSV
- Insider trades
- SEC EDGAR Form 4Source: SEC.New filings appear shortly after the SEC posts them; they're due two business days after the trade. Latest 2026-10-19.JSON and CSV
- Company record
- EDGAR filing index for CIK 1835856Ticker, name and exchange from the SEC's company list, refreshed weekly.
- Rate limits
- 10 requests a minute without a key, 30 with a free key from a free account.
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 large short position are rare and stand out; insider sells next to one 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.
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Datasets
Frequently Asked Questions
How much of BETR is sold short?
3,694,827 shares were held short at the 2026-10-15 settlement, 3.3 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 2026-10-28, 153,214 of the 388,640 BETR shares reported to FINRA were sold short, 39.4% 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 578 BETR shares failed to deliver at settlement 2026-09-30. Fails are reported per settlement date and published twice a month with a lag.
Are BETR insiders buying or selling?
Insiders at BETR reported 4 open-market sells worth $108K in the last 90 days and no open-market buys. Latest filing: Tuffin Paula (General Counsel and CCO) on 2026-10-19.
Have BETR insiders filed to sell?
18 Form 144 notices on file for BETR worth $4.5M at the prices reported; 5 in the last 90 days worth $240K. Latest: Nicholas Calamari filed on 2026-10-19 to sell 1,320 shares ($14K) from 2026-10-19.
Who owns 5% or more of BETR?
16 holders report 5% or more of BETR in their latest filing, 8 on Schedule 13D (active intent). The largest reported stake is Vishal Garg at 16.0% of the class (1,927,619 shares), filed 2025-12-29 for an event on 2025-12-22.
What did BETR report last quarter?
In FY 2025 it generated -$166.6M of operating cash flow.
Which tracked 13F managers own BETR?
3 of the 30 tracked 13F managers held BETR shares at their latest filing, $10.5M in all. The largest: Ken Griffin's Citadel Advisors (336K shares, $9.2M), Izzy Englander's Millennium Management (27K shares, $754K), Cliff Asness's AQR Capital Management (17K shares, $461K).
Data on this page is provided for informational purposes only and is not financial advice. See our editorial policy.