Aurora Acquisition Corp. Class A (BETR)
NASDAQ:BETR
Earnings Data
Report Date
May 19, 2026Before Open (Confirmed)
Period Ending
2026 (Q1)Consensus EPS Forecast
-1.56Last Year’s EPS
-3.04Same Quarter Last Year
Moderate Buy
Based on 2 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call presented multiple clear positives: strong YoY volume and revenue growth, meaningful platform adoption (Tinman contributing material share of volume), productivity gains at key partners (NEO), high-profile integrations (Credit Karma, ChatGPT) and a concrete path to $1B monthly volume and adjusted EBITDA breakeven by Q3 2026. However, the company remains modestly loss-making with Q4 adjusted EBITDA of approximately $24M, faces execution risks from long partnership ramp times and lumpy revenue, has early-stage penetration within large partners (Credit Karma <1%), and depends on future funding innovations (tokenized/stablecoin facility) to materially lower funding costs. On balance, the strengths and forward momentum described by management outweigh the near-term operational and execution risks.Company Guidance
Strong Quarterly and Annual Growth
Q4 2025 funded loan volume of $1.5B (+56% YoY) and revenue of $44M (+77% YoY). Full-year 2025 funded loan volume of $4.7B (+32% YoY) and revenue of $165M (+52% YoY).
Rapid Adoption of Tinman AI Platform
Tinman AI generated $646M of funded volume in Q4 2025, representing over 40% of total Q4 volume and surpassing prior guidance of $600M. Tinman accounted for roughly 35% of total volume in 2025 with management targeting >60% Tinman share in 2026.
Major Strategic Partnerships
Launched largest-ever partnership with Intuit Credit Karma (140M+ members) live on app in Oct 2025 (currently <1% penetration of eligible monthly users). Pilots and rollouts with NEO, top-5 nonbank originator (2% of loan officers live in Feb), Finance of America (reverse mortgage/HELOCs), and a top-3 fintech are underway.
NEO Performance and Origination Productivity Gains
NEO ramped from a $1.5B run rate when onboarded to a $2.4B run rate at end of 2025. Within six months of full rollout, funded loans per mortgage adviser rose 91%, per processor +17%, and per underwriter nearly +50%; 28 new loan officer teams onboarded in 2025.
ChatGPT Integration and New Distribution Channel
Launched the first conversational credit decision engine integrated into ChatGPT (Tinman app): decision-ready credit outputs in as little as 47 seconds and average origination timeline reduction of 21 days. Received inbound interest from 40+ financial institutions shortly after announcement.
Unit Economics and Cost Efficiency Gains
Per-loan contribution margin improved ~28% quarter-over-quarter from ~$1,800 to ~$2,300. Management reports Tinman automates up to 80% of repetitive loan tasks and cost to process, underwrite and close a loan (mortgages + HELOC) of approximately $800—cited as materially below industry peers.
Clear Profitability and Volume Targets
Company expects to reach $1B in monthly volume by May 2026 and adjusted EBITDA breakeven by end of Q3 2026. Q1 2026 guidance: $1.4B–$1.55B in total loan volume (midpoint implies ~70% YoY growth vs Q1 2025).
Balance Sheet and Financing Capacity
Ended Q4 2025 with $227M in cash, restricted cash, short-term investments and assets held for sale, and maintained three warehouse facilities totaling $575M in capacity. Management pursuing a tokenized/stablecoin credit facility expected to lower funding costs materially.
BETR Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
BETR Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Mar 13, 2026 | $36.66 | $34.45 | -6.03% |
Nov 13, 2025 | $59.16 | $57.41 | -2.96% |
Aug 07, 2025 | $14.56 | $13.22 | -9.20% |
May 13, 2025 | $14.06 | $13.71 | -2.49% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does Aurora Acquisition Corp. Class A (BETR) report earnings?
Aurora Acquisition Corp. Class A (BETR) is schdueled to report earning on May 19, 2026, Before Open (Confirmed).
What is Aurora Acquisition Corp. Class A (BETR) earnings time?
Aurora Acquisition Corp. Class A (BETR) earnings time is at May 19, 2026, Before Open (Confirmed).
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is BETR EPS forecast?
BETR EPS forecast for the fiscal quarter 2026 (Q1) is -1.56.