BETRNasdaqLoan BrokersFiscal year ends December 31Also trades as BETRW
Better Home & Finance Holding Co
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 11, 2026
$10.53+0.58 (+5.83%)
Close on Oct 19, 2026
- Market cap
- $196.43M
- P/E (TTM)
- –
- Dividend yield
- –
Ownership
Institutional holdings as of Jun 30, 2026, from 13F filings
Held by institutions
44.8%
6M of 13M shares
Institutional holders
89
17 new, 19 sold out
Net institutional buying
1M
In Q2 2026
Insider trades, 12 months
37 buys · 25 sales
Net bought $8.48M
Shares held by institutions
Holders of more than 5%
Latest Schedule 13D (active) or 13G (passive) filed by each holder
| Holder | Shares | % of class | Filing | As of |
|---|---|---|---|---|
| Thor Bjorgolfsson | 958,202 | 7.30% | 13D (active) amendment | May 9, 2026 |
| Israel A. Englander | 730,265 | 5.50% | 13G (passive) | Sep 16, 2026 |
| BlackRock, Inc. | 679,789 | 5.20% | 13G (passive) | Jun 30, 2026 |
| Novator Capital Sponsor Ltd. | 659,446 | 6.20% | 13D (active) amendment | Mar 5, 2026 |
| Orange Capital Ventures LP | 587,490 | 5.80% | 13G (passive) amendment | Oct 21, 2025 |
| Healthcare of Ontario Pension Plan Trust Fund | 578,960 | 5.90% | 13G (passive) amendment | Dec 31, 2025 |
| Orange Capital Ventures, LP | 476,283 | 5.03% | 13G (passive) | Oct 21, 2025 |
| Riaz Valani | 437,651 | 5.00% | 13D (active) amendment | Aug 30, 2024 |
| Garg Vishal | 2,029,224 | 13.70% | 13D (active) amendment | Oct 5, 2026 |
| Vishal Garg | 2,029,224 | 13.50% | 13D (active) amendment | Apr 9, 2026 |
| Spencer Vance | 1,320,912 | 12.40% | 13G (passive) | Mar 31, 2026 |
| Steven Sarracino | 1,290,178 | 8.90% | 13D (active) amendment | Oct 5, 2026 |
| SoftBank Group Corp. | 1,254,813 | 12.80% | 13D (active) amendment | Apr 28, 2025 |
Top institutional holders
13F holdings as of Jun 30, 2026
| Holder | Shares | % of BETR | Value | Change | % of portfolio |
|---|---|---|---|---|---|
| BlackRock, Inc. | 685,834 | 5.18% | $18.86M | +199,735 | 0.00% |
| Softbank Group Corp. | 628,553 | 4.75% | $17.29M | – | 0.10% |
| Frontier Capital Management Co LLC | 625,598 | 4.72% | $17.20M | −168,336 | 0.16% |
| Healthcare Of Ontario Pension Plan Trust Fund | 578,960 | 4.37% | $15.92M | – | 0.02% |
| Vanguard Capital Management LLC | 495,753 | 3.74% | $13.63M | +108,423 | 0.00% |
| Goldman Sachs Group Inc | 337,978 | 2.55% | $9.29M | +48,286 | 0.00% |
| Citadel Advisors LLC | 335,989 | 2.54% | $9.24M | +106,023 | 0.00% |
| Whetstone Capital Advisors, LLC | 253,987 | 1.92% | $6.98M | New | 1.84% |
| Geode Capital Management, LLC | 237,325 | 1.79% | $6.53M | +76,432 | 0.00% |
| Bnp Paribas Arbitrage, Snc | 221,637 | 1.67% | $6.10M | +53,593 | 0.00% |
| State Street Corp | 180,526 | 1.36% | $4.96M | +57,150 | 0.00% |
| Morgan Stanley | 130,300 | 0.98% | $3.58M | −65,685 | 0.00% |
| UBS Group AG | 127,263 | 0.96% | $3.50M | −174,699 | 0.00% |
| Gratia Capital, LLC | 100,458 | 0.76% | $2.76M | −9,895 | 1.67% |
| Northern Trust Corp | 75,185 | 0.57% | $2.07M | +27,906 | 0.00% |
| Vanguard Fiduciary Trust Co | 71,921 | 0.54% | $1.98M | +24,661 | 0.00% |
| Vanguard Portfolio Management LLC | 69,231 | 0.52% | $1.90M | −36,789 | 0.00% |
| Hudson Bay Capital Management LP | 61,985 | 0.47% | $1.70M | −118,538 | 0.00% |
| Walleye Capital LLC | 58,335 | 0.44% | $1.60M | +50,976 | 0.01% |
| Stoic Point Capital Management LLC | 56,945 | 0.43% | $1.57M | +43,845 | 1.30% |
Institutional buying and selling by quarter
Positions opened, added to, reduced and closed by 13F filers
| Quarter | Holders | Shares held | % of shares | New / added | Reduced / closed | Shares bought | Shares sold |
|---|---|---|---|---|---|---|---|
| Q2 2026 | 89 | 6M | 44.8% | 17 / 34 | 20 / 19 | 1M | 1M |
| Q1 2026 | 92 | 5M | 40.2% | 29 / 30 | 16 / 9 | 2M | 0M |
| Q4 2025 | 76 | 5M | 34.7% | 24 / 32 | 9 / 10 | 2M | 0M |
| Q3 2025 | 62 | 3M | 21.2% | 24 / 18 | 13 / 10 | 0M | 2M |
| Q2 2025 | 48 | 4M | 31.5% | 24 / 11 | 5 / 4 | 1M | 0M |
| Q1 2025 | 28 | 4M | 27.9% | 7 / 7 | 4 / 6 | 0M | 0M |
| Q4 2024 | 27 | 4M | 27.0% | 8 / 6 | 5 / 0 | 1M | 0M |
| Q3 2024 | 19 | 3M | 19.0% | 19 / 0 | 0 / 0 | 3M | 0M |
Top mutual fund and ETF holders
Latest monthly portfolio reports (Form N-PORT)
| Fund | Shares | % of BETR | Value | % of fund | As of |
|---|---|---|---|---|---|
| Vanguard Total Stock Market Index Fund | 365,092 | 2.76% | $10.04M | 0.00% | Jun 30, 2026 |
| iShares Russell 2000 ETF | 215,547 | 1.63% | $5.93M | 0.01% | Jun 30, 2026 |
| Vanguard Extended Market Index Fund | 120,888 | 0.91% | $3.32M | 0.00% | Jun 30, 2026 |
| Fidelity Small Cap Index Fund | 87,129 | 0.66% | $2.05M | 0.01% | Jul 31, 2026 |
| iShares Russell 2000 Growth ETF | 74,989 | 0.57% | $2.06M | 0.01% | Jun 30, 2026 |
| Vanguard U.S. Momentum Factor ETF | 45,543 | 0.34% | $1.33M | 0.07% | May 31, 2026 |
| Fidelity Extended Market Index Fund | 37,920 | 0.29% | $1.11M | 0.00% | May 31, 2026 |
| Vanguard Russell 2000 Index Fund | 30,681 | 0.23% | $894.96K | 0.01% | May 31, 2026 |
| iShares Micro-Cap ETF | 26,886 | 0.20% | $739.37K | 0.05% | Jun 30, 2026 |
| M Capital Appreciation Fund | 24,173 | 0.18% | $664.76K | 0.21% | Jun 30, 2026 |
| M Capital Appreciation Fund | 23,096 | 0.17% | $822.68K | 0.31% | Mar 31, 2026 |
| Schwab Small-Cap Index Fund | 19,258 | 0.15% | $452.56K | 0.01% | Jul 31, 2026 |
| AMG Frontier Small Cap Growth Fund | 17,656 | 0.13% | $414.92K | 0.44% | Jul 31, 2026 |
| Master Small Cap Index Series | 14,926 | 0.11% | $410.47K | 0.01% | Jun 30, 2026 |
| Vanguard Financials Index Fund | 13,969 | 0.11% | $407.48K | 0.00% | May 31, 2026 |
Officers, directors and major owners
People who filed Forms 3, 4 or 5 in the last two years
| Name | Role | Shares owned | % of shares | Latest filing |
|---|---|---|---|---|
| Daniel Seth Lewis | Interim CEO, Director | 520,490 | 3.93% | Aug 6, 2026 |
| Vishal Garg | Chief Executive Officer, Director, 10% owner | 30,844,739 | 232.90% | May 21, 2026 |
| Paula Tuffin | General Counsel and CCO | 59,325 | 0.45% | Sep 21, 2026 |
| Barry Feierstein | Chief Operating Officer | 18,750 | 0.14% | Sep 9, 2026 |
| Chad M. Smith | President, BMC | 36,452 | 0.28% | Sep 2, 2026 |
| Jonsson Sigurgeir Orn | Chief Technology Officer | 9,901 | 0.07% | Aug 18, 2026 |
| Loveen Advani | Chief Financial Officer | 13,824 | 0.10% | Jul 2, 2026 |
| J. Calamari Nicholas | CAO and Senior Counsel | 178,716 | 1.35% | Mar 3, 2026 |
| Kevin J. Ryan | Chief Financial Officer | 74,713 | 0.56% | Nov 4, 2025 |
| William E. Fischer III | Chief Accounting Officer | 3,125 | 0.02% | Dec 3, 2024 |
| Harit Talwar | Director | 114,397 | 0.86% | Jul 22, 2026 |
| Bhaskar Menon | Director | 14,478 | 0.11% | Jul 22, 2026 |
| David Michael Barse | Director | 10,389 | 0.08% | Jul 22, 2026 |
| Arnaud Massenet | Director | 420,284 | 3.17% | Jul 22, 2026 |
| Hugh R. Frater | Director | 6,326 | 0.05% | Jul 22, 2026 |
| Michael J. Farello | Director | 23,214,328 | 175.28% | Jul 22, 2026 |
| Prabhu Narasimhan | Director | 452,356 | 3.42% | Jul 22, 2026 |
| Activant Holdings I, LTD | Director, 10% owner | 1,298,328 | 9.80% | Oct 25, 2024 |
| Activant Ventures III Opportunities Fund 4, LP | Director, 10% owner | – | – | Oct 25, 2024 |
| Activant Ventures III Opportunities Fund 6, LP | Director, 10% owner | – | – | Oct 25, 2024 |
| Activant Ventures Advisors III, LLC | Director, 10% owner | 1,298,328 | 9.80% | Oct 25, 2024 |
| Activant Ventures III Opportunities Fund 3, LP | Director, 10% owner | – | – | Oct 25, 2024 |
| Activant Capital Management, LLC | Director, 10% owner | – | – | Oct 25, 2024 |
| Activant Ventures III Opportunities Fund 2, LP | Director, 10% owner | 61,306,253 | 462.90% | Oct 25, 2024 |
| Activant Ventures III Opportunities Fund 1, LP | Director, 10% owner | – | – | Oct 25, 2024 |
| Steven Sarracino | Director, 10% owner | 1,298,328 | 9.80% | Oct 25, 2024 |
| Activant Ventures III, LP | Director, 10% owner | – | – | Oct 25, 2024 |
| Framework Labs, Inc. | 10% owner | – | – | Apr 10, 2026 |
| Ventures IV GP LLC Framework | 10% owner | 571,908 | 4.32% | Apr 10, 2026 |
| Michael Ernest Anderson | 10% owner | – | – | Apr 10, 2026 |
Insider trades
Common stock transactions reported on Form 4, newest first
| Insider | Date | Transaction | Shares | Price | Value | Shares after |
|---|---|---|---|---|---|---|
| Paula Tuffin General Counsel and CCO | Sep 17, 2026 | Sale | −3,108 | $12.36 | $38.41K | 40,931 |
| Barry Feierstein Chief Operating Officer | Sep 4, 2026 | Option exercise | +18,750 | – | – | 18,750 |
| Paula Tuffin General Counsel and CCO | Sep 1, 2026 | Award | +6,132 | – | – | 44,039 |
| Chad M. Smith President, BMC | Sep 1, 2026 | Award | +11,243 | – | – | 11,243 |
| Chad M. Smith President, BMC | Sep 1, 2026 | Option exercise | +10,000 | – | – | 22,936 |
| Chad M. Smith President, BMC | Aug 19, 2026 | Sale | −3,307 | $12.85 | $42.49K | 1,693 |
| Chad M. Smith Pres & COO, Better Mortgage | Aug 6, 2026 | Option exercise | +5,000 | – | – | 5,000 |
| Jonsson Sigurgeir Orn Chief Technology Officer | Aug 1, 2026 | Option exercise | +3,906 | – | – | 9,901 |
| Jonsson Sigurgeir Orn Chief Technology Officer | Aug 1, 2026 | Tax withholding | −1,995 | $23.50 | $46.88K | 7,906 |
| Loveen Advani Chief Financial Officer | Jul 1, 2026 | Tax withholding | −2,510 | $30.19 | $75.78K | 13,824 |
| Loveen Advani Chief Financial Officer | Jul 1, 2026 | Option exercise | +9,167 | – | – | 16,334 |
| Loveen Advani Chief Financial Officer | Jun 30, 2026 | Option exercise | +9,167 | – | – | 9,677 |
| Loveen Advani Chief Financial Officer | Jun 30, 2026 | Tax withholding | −2,510 | $27.48 | $68.97K | 7,167 |
| Hugh R. Frater Director | Jun 11, 2026 | Buy | +5,150 | $24.34 | $125.35K | 6,326 |
| Harit Talwar Director | Jun 9, 2026 | Option exercise | +20,191 | – | – | 64,889 |
| Bhaskar Menon Director | Jun 9, 2026 | Option exercise | +12,388 | – | – | 14,478 |
| David Michael Barse Director | Jun 9, 2026 | Option exercise | +10,389 | – | – | 10,389 |
| Arnaud Massenet Director | Jun 9, 2026 | Option exercise | +11,327 | – | – | 39,170 |
| Hugh R. Frater Director | Jun 9, 2026 | Option exercise | +1,176 | – | – | 1,176 |
| Michael J. Farello Director | Jun 9, 2026 | Option exercise | +11,327 | – | – | 11,327 |
| Prabhu Narasimhan Director | Jun 9, 2026 | Option exercise | +11,327 | – | – | 71,242 |
| Harit Talwar Director | May 22, 2026 | Buy | +5,000 | $25.34 | $126.70K | 44,698 |
| Vishal Garg Chief Executive Officer, Director, 10% owner | May 21, 2026 | Buy | +15,600 | $24.89 | $388.28K | 118,260 |
| Vishal Garg Chief Executive Officer, Director, 10% owner | May 20, 2026 | Buy | +600 | $24.99 | $14.99K | 87,660 |
| Vishal Garg Chief Executive Officer, Director, 10% owner | May 20, 2026 | Buy | +15,000 | $25.00 | $375.00K | 102,660 |
| Vishal Garg Chief Executive Officer, Director, 10% owner | May 18, 2026 | Buy | +600 | $24.97 | $14.98K | 79,293 |
| Vishal Garg Chief Executive Officer, Director, 10% owner | May 18, 2026 | Buy | +1,257 | $24.99 | $31.41K | 80,550 |
| Vishal Garg Chief Executive Officer, Director, 10% owner | May 18, 2026 | Buy | +6,510 | $25.00 | $162.75K | 87,060 |
| Vishal Garg Chief Executive Officer, Director, 10% owner | May 18, 2026 | Buy | +3,900 | $24.74 | $96.49K | 78,693 |
| Vishal Garg Chief Executive Officer, Director, 10% owner | May 18, 2026 | Buy | +3,333 | $24.71 | $82.36K | 74,793 |
| Loveen Advani Chief Financial Officer | May 12, 2026 | Buy | +400 | $30.55 | $12.22K | 510 |
| Loveen Advani Chief Financial Officer | May 11, 2026 | Buy | +100 | $31.25 | $3.13K | 110 |
| Harit Talwar Director | May 8, 2026 | Buy | +3,000 | $30.43 | $91.29K | 39,698 |
| Chad M. Smith Pres & COO, Better Mortgage | May 8, 2026 | Sale(10b5-1 plan) | −1,366 | $29.81 | $40.72K | 22,150 |
| Chad M. Smith Pres & COO, Better Mortgage | May 8, 2026 | Sale(10b5-1 plan) | −971 | $30.51 | $29.63K | 21,179 |
| Chad M. Smith Pres & COO, Better Mortgage | May 8, 2026 | Sale(10b5-1 plan) | −118 | $31.38 | $3.70K | 21,061 |
| Vishal Garg Chief Executive Officer, Director, 10% owner | May 7, 2026 | Buy | +6,483 | $30.00 | $194.49K | 71,460 |
| Vishal Garg Chief Executive Officer, Director, 10% owner | May 7, 2026 | Buy | +100 | $29.95 | $3.00K | 64,977 |
| Chad M. Smith Pres & COO, Better Mortgage | May 6, 2026 | Option exercise | +5,000 | – | – | 5,000 |
| Chad M. Smith Pres & COO, Better Mortgage | May 6, 2026 | Tax withholding | −2,545 | $42.69 | $108.65K | 2,455 |
| Jonsson Sigurgeir Orn Chief Technology Officer | May 1, 2026 | Tax withholding | −1,409 | $44.38 | $62.53K | 5,995 |
| Jonsson Sigurgeir Orn Chief Technology Officer | May 1, 2026 | Option exercise | +3,907 | – | – | 7,404 |
| Ventures IV L.P. Framework 10% owner | Apr 10, 2026 | Buy | +54,384 | $32.96 | $1.79M | 1,006,696 |
| Harit Talwar Director | Apr 9, 2026 | Buy | +5,000 | $32.89 | $164.45K | 36,698 |
| Bhaskar Menon Director | Apr 8, 2026 | Buy | +590 | $34.14 | $20.14K | 2,090 |
| Harit Talwar Director | Apr 8, 2026 | Buy | +1,000 | $33.34 | $33.34K | 31,698 |
| Jonsson Sigurgeir Orn Chief Technology Officer | Apr 8, 2026 | Buy | +979 | $36.09 | $35.33K | 3,497 |
| Jonsson Sigurgeir Orn Chief Technology Officer | Apr 8, 2026 | Buy | +21 | $36.05 | $757 | 2,518 |
| Vishal Garg Chief Executive Officer, Director, 10% owner | Apr 8, 2026 | Buy | +10,000 | $35.05 | $350.50K | 64,877 |
| Loveen Advani Chief Financial Officer | Apr 8, 2026 | Buy | +10 | $35.50 | $355 | 10 |
| Jonsson Sigurgeir Orn Chief Technology Officer | Apr 2, 2026 | Tax withholding | −1,409 | $32.90 | $46.36K | 2,497 |
| Harit Talwar Director | Apr 2, 2026 | Buy | +5,000 | $35.24 | $176.20K | 30,698 |
| Vishal Garg Chief Executive Officer, Director, 10% owner | Mar 25, 2026 | Buy | +2,217 | $29.90 | $66.29K | 54,877 |
| Vishal Garg Chief Executive Officer, Director, 10% owner | Mar 24, 2026 | Buy | +999 | $29.08 | $29.05K | 49,760 |
| Vishal Garg Chief Executive Officer, Director, 10% owner | Mar 24, 2026 | Buy | +6,701 | $28.37 | $190.11K | 48,761 |
| Vishal Garg Chief Executive Officer, Director, 10% owner | Mar 24, 2026 | Buy | +2,900 | $30.06 | $87.17K | 52,660 |
| Vishal Garg Chief Executive Officer, Director, 10% owner | Mar 23, 2026 | Buy | +750 | $28.50 | $21.38K | 32,210 |
| Vishal Garg Chief Executive Officer, Director, 10% owner | Mar 23, 2026 | Buy | +9,850 | $29.56 | $291.17K | 42,060 |
| Vance Spencer 10% owner | Mar 23, 2026 | Buy | +40,000 | $29.60 | $1.18M | 952,312 |
| Vance Spencer 10% owner | Mar 19, 2026 | Buy | +53,000 | $28.48 | $1.51M | 912,312 |
Awards, option exercises, tax withholding and gifts are shown alongside open-market buys and sales. Each name links to the filing on SEC EDGAR.
Planned insider sales
Notices of proposed sale filed on Form 144 before shares are sold
| Seller | Filed | Shares | Market value | Planned sale | Acquired through |
|---|---|---|---|---|---|
| Tuffin Paula Officer | Sep 17, 2026 | 3,108 | $38.41K | Sep 17, 2026 | restricted stock vesting |
| Smith Chad former officer | Sep 17, 2026 | 10,757 | $132.42K | Sep 17, 2026 | restricted stock vesting |
| Smith Chad Officer | Aug 19, 2026 | 3,307 | $42.34K | Aug 19, 2026 | restricted stock release |
| M. Smith Chad OFFICER | May 8, 2026 | 2,455 | $74.05K | May 8, 2026 | RESTRICTED STOCK UNIT VEST |
| M. Smith Chad OFFICER | Mar 17, 2026 | 2,374 | $67.69K | Mar 17, 2026 | RESTRICTED STOCK UNIT VEST |
| M. Smith Chad OFFICER | Mar 16, 2026 | 2,567 | $76.50K | Mar 16, 2026 | RESTRICTED STOCK UNIT VEST |
| M. Smith Chad OFFICER | Feb 17, 2026 | 6,000 | $180.45K | Feb 17, 2026 | RESTRICTED STOCK UNIT VEST |
| M. Smith Chad OFFICER | Feb 10, 2026 | 2,056 | $57.53K | Feb 10, 2026 | RESTRICTED STOCK UNIT VEST |
| M. Smith Chad OFFICER | Feb 3, 2026 | 3,097 | $83.80K | Feb 3, 2026 | RESTRICTED STOCK UNIT VEST |
| M. Smith Chad OFFICER | Jan 15, 2026 | 6,000 | $220.22K | Jan 15, 2026 | RESTRICTED STOCK UNIT VEST |
| M. Smith Chad OFFICER | Jan 6, 2026 | 2,843 | $99.92K | Jan 6, 2026 | RESTRICTED STOCK UNIT VEST |
| M. Smith Chad OFFICER | Dec 15, 2025 | 6,000 | $242.88K | Dec 15, 2025 | RESTRICTED STOCK UNIT VEST |
| M. Smith Chad OFFICER | Dec 12, 2025 | 2,378 | $113.36K | Dec 12, 2025 | RESTRICTED STOCK UNIT VEST |
| A. Tuffin Paula Affiliate | Dec 11, 2025 | 24,000 | $1.22M | Dec 11, 2025 | Compensation award |
| Ryan Kevin Officer | Nov 26, 2025 | 7,948 | $365.11K | Nov 26, 2025 | restricted stock release |