Pulling SEC filings + quote and writing the call…
| Fiscal year | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|
| Revenue | — | — | $12.3M | $0.00 | $108M | $165M |
| Revenue growth | — | — | — | -100.0% | — | 52.0% |
| Operating income | — | -$8.12M | -$859M | -$291M | — | — |
| Operating margin | — | — | -6975.7% | — | — | — |
| Net income | — | -$6.53M | -$877M | -$536M | -$206M | -$166M |
| Net margin | — | — | -7123.2% | — | -190.2% | -100.6% |
| EPS (diluted) | — | — | -$3.01 | -$58.09 | -$13.65 | -$10.80 |
| Fiscal year | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|
| Operating cash flow | — | -$3.24M | $938M | -$160M | -$380M | -$167M |
| Capital expenditures | — | — | $11.7M | $456K | $3.39M | $1.19M |
| Free cash flow | — | — | $927M | -$160M | -$383M | -$168M |
| Share buybacks | — | — | $7.95M | $0.00 | — | — |
| Fiscal year | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|
| Cash & equivalents | $0.00 | $37.6K | $318M | $504M | $211M | $99.8M |
| Total assets | $563K | $279M | $1.08B | $906M | $913M | $1.51B |
| Total liabilities | $558K | $28.9M | $1.25B | $783M | $971M | $1.47B |
| Shareholders' equity | $5.00K | $243M | -$604M | $123M | -$58.2M | $37.2M |
| Retained earnings | -$20.0K | -$6.55M | -$1.17B | -$1.70B | -$1.91B | -$2.08B |
| Shares (wtd avg diluted) | — | 19.8M | 291M | 9.23M | 15.1M | 15.4M |
Every figure is extracted from Better Home & Finance Holding Co’s annual reports as filed with the SEC (XBRL company facts) — no third-party estimates. Fiscal years are labeled by period end; filers occasionally re-tag concepts, so a sparse cell means the company didn’t report that concept for that year. Free cash flow = operating cash flow − capital expenditures.
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