Better Home & Finance Holding Company

10-Year Study

BETR.US · Financial Services · US · Common Stock

Executive Summary: Better Home & Finance Holding Company has compounded at -40.9% annually over the last 10 years, with a maximum drawdown of 99.6% and an annualized volatility of 338.6%.

1Y CAGR
+204.3%
3Y CAGR
-59.6%
5Y CAGR
-40.8%
10Y CAGR
-40.9%

History & Riski10-year historical performance analysis including CAGR, Max Drawdown, Sharpe & Sortino ratios, annual returns, and rolling volatility — all computed from daily market data.

10-Year Growth of $10,000

Max DrawdownMax DrawdownThe largest peak-to-trough decline in the asset's value over the measurement period.Click for full definition →
99.6%
Sharpe RatioSharpe RatioRisk-adjusted return: how much excess return you earn per unit of total risk (volatility).Click for full definition →
0.61
Sortino RatioSortino RatioLike Sharpe, but only penalizes downside volatility — a more accurate risk measure for asymmetric return distributions.Click for full definition →
1.49
Ann. VolatilityAnnualized VolatilityThe annualized standard deviation of an asset's returns — a measure of how much prices fluctuate.Click for full definition →
186.2%
Best YearBest & Worst YearThe single calendar year with the highest and lowest return in the measured period.Click for full definition →
2025 · +265.2%
Worst YearBest & Worst YearThe single calendar year with the highest and lowest return in the measured period.Click for full definition →
2023 · -91.9%
% Positive Years% Positive YearsThe percentage of calendar years in the measurement period where the asset delivered a positive return.Click for full definition →
60%

Annual Returns

Rolling 12-Month Returns

Rolling 12-Month Annualised Volatility

Historical Drawdowns

Monthly Returns

Monthly Returns Heatmap

YearJanFebMarAprMayJunJulAugSepOctNovDecAnn.
2026-7.08.58.34.8————————14.6%
202514.112.7-4.831.6-6.3-7.94.474.9148.130.4-33.9-32.7265.2%
2024-24.7-13.0-7.1-20.1-16.939.110.9-38.213.2-12.51.2-43.4-78.2%
20230.70.7-1.30.23.7-0.5340.3-98.0-48.2-1.5-3.078.4-91.9%
20220.00.0-0.4-0.1-0.5-0.10.40.60.00.40.41.21.9%
2021————-4.70.50.00.5-0.30.50.2-1.0-4.3%

Risk X-RayiA 19-factor macroeconomic risk decomposition showing exactly which market forces (equity beta, rates, inflation, credit, commodity, crypto) drive this asset's volatility. Powered by multivariate regression against daily factor returns.

Risk Profile Insight: This asset has an estimated annualized volatility of 338.6%. The dominant macroeconomic risk driver is SHV.US, accounting for 73.8% of variance. Idiosyncratic stock-specific factors contribute 19.4%.

10-Year Historical Price Series (Growth of $10,000)
DateSimulated Value
2021-04-0110000
2021-05-019526.570048309179
2021-06-019574.87922705314
2021-07-019574.87922705314
2021-08-019623.188405797102
2021-09-019594.202898550724
2021-10-019645.410628019323
2021-11-019661.83574879227
2021-12-019565.217391304348
2022-01-019565.217391304348
2022-02-019565.217391304348
2022-03-019526.570048309179
2022-04-019516.908212560387
2022-05-019468.599033816425
2022-06-019458.937198067633
2022-07-019497.584541062803
2022-08-019555.555555555557
2022-09-019555.555555555557
2022-10-019594.202898550724
2022-11-019632.850241545893
2022-12-019748.792270531401
2023-01-019821.256038647343
2023-02-019893.719806763285
2023-03-019768.115942028986
2023-04-019787.439613526569
2023-05-0110144.927536231884
2023-06-0110096.618357487923
2023-07-0144454.106280193235
2023-08-01893.719806763285
2023-09-01462.80193236714973
2023-10-01456.0386473429952
2023-11-01442.512077294686
2023-12-01789.3719806763286
2024-01-01594.2028985507246
2024-02-01516.9082125603865
2024-03-01480.1932367149759
2024-04-01383.5748792270532
2024-05-01318.84057971014494
2024-06-01443.4782608695652
2024-07-01491.78743961352654
2024-08-01304.1545893719807
2024-09-01344.15458937198065
2024-10-01301.06280193236717
2024-11-01304.7342995169082
2024-12-01172.3671497584541
2025-01-01196.7149758454106
2025-02-01221.6425120772947
2025-03-01210.91787439613523
2025-04-01277.487922705314
2025-05-01259.90338164251204
2025-06-01239.42028985507247
2025-07-01250.04830917874398
2025-08-01437.29468599033817
2025-09-011084.8309178743962
2025-10-011414.6859903381642
2025-11-01935.6521739130436
2025-12-01629.5652173913043
2026-01-01585.7004830917874
2026-02-01635.7487922705315
2026-03-01688.3091787439613
2026-04-01721.3526570048309
Annual Return Matrix
YearAnnual Return
20220.019191919191919204
2023-0.9190287413280476
2024-0.781640146878825
20252.6524663677130045
20260.1457949662369551
Total Factor Risk
3.385655755950588
VTI.US Exposure
0.002897204140505362
VEA.US Exposure
-0.004374948534811439
VWO.US Exposure
0.004861307027500192
QQQ.US Exposure
0.00100073689134179
VTV.US Exposure
0.0069964997107091
IJR.US Exposure
0.022866537993030955
QUAL.US Exposure
0.006000481834517481
SHV.US Exposure
0.7379155233874463
TLT.US Exposure
0.0006443953861281723
LQD.US Exposure
0.0035598169138018327
HYG.US Exposure
0.0015654471981688006
GLD.US Exposure
-0.00047998590967534476
USO.US Exposure
0.0014833616824767976
VNQ.US Exposure
-0.0021530983947224383
BTC-USD.CC Exposure
0.0008079929537357819
CPER.US Exposure
0.0002883519968020215
VIX.INDX Exposure
0.0024903971479324372
UUP.US Exposure
0.019568972758630277
TIP.US Exposure
0.00006311718922559742
Idiosyncratic Exposure
0.19399788862725634
Value Score
50
Growth Score
50
Profit Score
37.5
Health Score
23.6
Yield Score
0
Moat Score
40

Factor Risk Decomposition

Share of annualised volatility attributable to each macro factor.

Total Est. Vol
338.6%

FundamentalsiCompany financial health metrics: P/E valuation, dividend yield, Piotroski F-Score (9-point profitability signal), Altman Z-Score (bankruptcy risk proxy), and a radar chart across 6 fundamental dimensions. Note: ETFs may show N/A for some metrics.

Fundamental Dimensions

Core Valuation

P/E Ratio (TTM)P/E RatioPrice-to-Earnings ratio — the market price of a stock divided by its earnings per share, a key valuation measure.Click for full definition →N/A
Dividend YieldDividend YieldAnnual dividend paid per share divided by the current share price — expressed as a percentage income return.Click for full definition →0.00%
Market Cap$618.7M
Piotroski F-ScorePiotroski F-ScoreA 9-point scoring system evaluating a company's financial strength across profitability, leverage, and operating efficiency.Click for full definition →
9-point profitability signal
0.0/ 9
Weak
Altman Z-ScoreAltman Z-ScoreA bankruptcy prediction model that combines 5 financial ratios into a single score indicating financial distress risk.Click for full definition →
Bankruptcy risk proxy
1.18
Distress Zone
Income Simulation

Based on $10,000 initial investment.

Total Income Generated
$0
Avg Yield on Cost
0.00%

Momentum & MacroiPrice momentum indicators relative to key technical levels: distance from 50-Day SMA (intermediate trend), 200-Day SMA (long-term trend), 52-Week High (bullish proximity), and Beta (market sensitivity coefficient).

vs 50-Day SMAMoving Averages (SMA)A rolling average of an asset's price over a defined window — used to identify trends and momentum signals.Click for full definition →
+15.2%
Above/below 50-day moving average
vs 200-Day SMAMoving Averages (SMA)A rolling average of an asset's price over a defined window — used to identify trends and momentum signals.Click for full definition →
+3.1%
Above/below 200-day moving average
vs 52-Week High52-Week HighThe highest price an asset reached in the past 52 weeks — a key reference for momentum and valuation context.Click for full definition →
56.6% from high
Distance from 52-week high
BetaBetaA measure of an asset's sensitivity to broad market movements relative to a benchmark (e.g. S&P 500).Click for full definition →
1.93
Market sensitivity coefficient

Frequently Asked Questions & Methodology

Is Better Home & Finance Holding Company a high-risk investment?

Better Home & Finance Holding Company (BETR.US) has an annualized volatility of 338.6% and experienced a maximum drawdown of 99.6% over the last 10 years. Its primary macro risk driver is SHV.US.

What is the 10-year return of BETR.US?

Over the past 10 years, BETR.US has generated a Compound Annual Growth Rate (CAGR) of -40.9%. It has had a positive return in 60% of the years measured.

Data Methodology & Trust

The risk and return information on this page is pre-calculated mathematically using daily market data spanning a 10-year period. Fundamentals (such as P/E Ratio, Market Cap, and Dividend Yield) represent trailing averages and may not immediately reflect real-time live market fluctuations. Advanced scoring models like the Piotroski F-Score and Altman Z-Score are proxies applied to publicly available trailing-twelve-month financial statements and may not account for recent off-balance-sheet events, qualitative company shifts, or sector-specific capital structures. Macroeconomic factor exposures are estimated via multivariate regression against standard market indices. This data is provided for quantitative insight and backtesting research, and should not be misconstrued as tailored financial advice.

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