Aurora Acquisition (BETR) AI Stock Analysis

• Market Cap: $592.23M
• Dividend Yield: N/A
• Average Volume (3M): 456.90K
• Price to Earnings (P/E): ―
• Beta (1Y): 0.88
• Revenue Growth: 57.71%
• EPS Growth: 10.76%
• Country: US
• Employees: 1,250
• Sector: Financial
• Sector Strength: 70
• Industry: Financial - Mortgages
• EPS (TTM): -2.56
• Shares Outstanding: 9,855,284
• 10 Day Avg. Volume: 477,228
• 30 Day Avg. Volume: 456,902
• PEG Ratio: >-0.01
• Price to Book (P/B): -2.32
• Price to Sales (P/S): 1.12
• P/FCF Ratio: -0.35
• Enterprise Value/Market Cap: 2.01
• Enterprise Value/Revenue: 6.71
• Enterprise Value/Gross Profit: 32.72
• Enterprise Value/Ebitda: -10.83
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: Hold
• Number of Analyst Covering: 1
• EPS Forecast (FY): -3.37
• Revenue Forecast (FY): $264.63M

• Rating: 48 Neutral
• Price Target: $36.00 ▼(-4.59% Downside)

The score is held down primarily by weak financial performance (large losses, high leverage, and negative operating cash flow) and bearish technicals (below key moving averages with negative MACD). These are partially offset by an improving narrative from the earnings call (strong revenue/volume growth and AI-driven efficiency gains) and supportive recent corporate actions, but the company’s current profitability and balance-sheet risk remain the dominant factors.

Positive Factors

Revenue Growth

Strong revenue growth and increased loan volume indicate robust market demand and effective business strategies, supporting long-term expansion.

AI-Driven Efficiency

AI advancements enhance operational efficiency and cost reduction, providing a competitive edge and supporting sustainable growth.

Leadership Strength

Experienced leadership is crucial for executing strategic priorities and scaling operations, fostering long-term organizational stability.

Negative Factors

High Leverage

High leverage can strain financial flexibility and increase risk, potentially impacting the company's ability to invest in growth opportunities.

Negative Profitability

Persistent negative margins highlight operational challenges, which may hinder the company's ability to achieve sustainable profitability.

Negative Operating Cash Flow

Negative operating cash flow indicates potential liquidity issues, limiting the company's capacity to fund operations and growth initiatives.

Aurora Acquisition Business Overview & Revenue Model

Company Description

Better Home & Finance Holding Company operates as a homeownership company in the United States. The company provides government-sponsored enterprise (GSE) conforming loans, U.S. Federal Housing Administration insured loans, U.S. Department of Veterans Affairs guaranteed loans, and jumbo loans to GSEs, banks, insurance companies, asset managers, and mortgage real estate investment trusts. It also offers real estate agent services, title insurance and settlement services, and homeowners insurance services. The company formerly known as Better Mortgage Corporation and changed its name to Better Home & Finance Holding Company in August 2023. Better Home & Finance Holding Company is headquartered in New York, New York.

How the Company Makes Money

Aurora Acquisition generates revenue primarily through its merger and acquisition activities. As a SPAC, it raises capital from investors through an initial public offering (IPO) with the intention of acquiring a private company and taking it public. The company typically earns management fees and a percentage of the equity in the combined entity post-merger. Key revenue streams include transaction fees associated with mergers, potential revenue from equity holdings in acquired companies, and any performance-based incentives tied to the success of its portfolio companies. Additionally, partnerships with financial institutions and advisory firms may enhance its ability to identify lucrative acquisition targets and optimize deal structures, further contributing to its earnings.

Aurora Acquisition Financial Statement Overview

Summary

Aurora Acquisition is facing significant financial challenges, with persistent negative profitability and high leverage. While there are signs of revenue growth, the company's financial stability is undermined by its reliance on debt and negative cash flows. Addressing these issues will be crucial for improving financial health.

Income Statement

Aurora Acquisition has shown some improvement in revenue growth with a 10.93% increase in the TTM period. However, the company is struggling with profitability as indicated by negative margins across the board, including a net profit margin of -124.31% and an EBIT margin of -94.09%. The consistent negative margins highlight ongoing operational challenges.

Balance Sheet

The balance sheet indicates high leverage with a debt-to-equity ratio of 7.55 in the TTM period, suggesting significant reliance on debt financing. Although there is a positive return on equity of 9.61%, the equity ratio is low, reflecting potential financial instability and risk.

Cash Flow

Cash flow analysis shows a positive free cash flow to net income ratio of 1.05, indicating some ability to generate cash relative to net losses. However, the operating cash flow is negative, and the company has experienced fluctuations in free cash flow growth, which poses a risk to liquidity.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2016
Income Statement
Total Revenue	177.60M	120.05M	88.50M	395.08M	1.31B	270.81M
Gross Profit	36.44M	-42.52M	-61.31M	-298.49M	342.30M	130.11M
EBITDA	-110.11M	-154.79M	-459.94M	-523.38M	-175.32M	75.05M
Net Income	-185.18M	-206.29M	-536.42M	-877.08M	-301.13M	27.29M
Balance Sheet
Total Assets	1.39B	913.06M	905.55M	1.08B	3.30B	838.24M
Cash, Cash Equivalents and Short-Term Investments	218.35M	264.88M	529.19M	317.96M	938.32M	10.32M
Total Debt	553.70M	767.90M	672.06M	1.10B	2.37B	7.67M
Total Liabilities	1.34B	971.23M	782.95M	1.25B	2.62B	786.51M
Stockholders Equity	51.07M	-58.17M	122.60M	-167.90M	676.44M	51.73M
Cash Flow
Free Cash Flow	-240.89M	-390.05M	-169.50M	902.94M	292.57M	-6.74M
Operating Cash Flow	-237.26M	-379.97M	-159.72M	938.22M	361.21M	-803.00K
Investing Cash Flow	-612.03M	-143.81M	-38.59M	-34.66M	-68.70M	-388.08M
Financing Cash Flow	714.86M	239.13M	381.40M	-1.54B	304.54M	380.97M

Aurora Acquisition Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 37.73
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For BETR, the sentiment is Negative. The current price of 37.73 is above the 20-day moving average (MA) of 35.80, below the 50-day MA of 44.73, and above the 200-day MA of 30.26, indicating a neutral trend. The MACD of -1.87 indicates Negative momentum. The RSI at 44.80 is Neutral, neither overbought nor oversold. The STOCH value of 52.27 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for BETR.

Aurora Acquisition Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
VEL	69 Neutral	$747.27M	8.18	16.04%	―	36.73%	27.50%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
SNFCA	64 Neutral	$230.60M	12.57	5.23%	―	3.25%	-37.79%
IOR	63 Neutral	$75.02M	18.30	3.36%	―	―	-30.69%
ONIT	58 Neutral	$413.98M	16.16	6.71%	―	-6.28%	112.66%
BETR	48 Neutral	$592.23M	-3.01	-611.05%	―	57.71%	10.76%
LDI	47 Neutral	$873.08M	-7.25	-25.72%	―	3.91%	27.78%

Aurora Acquisition Corporate Events

Aurora Acquisition CEO Announces $5 Million Stock Purchases

On December 22, 2025, Vishal Garg, Chief Executive Officer of Better Home & Finance Holding Company, notified the company that he will adopt a Rule 10b5-1 trading plan to systematically purchase up to $5 million of the company’s Class A common stock, subject to preset price and timing conditions, signaling planned insider buying that may be viewed by investors as a show of confidence in the company’s prospects and valuation.

The most recent analyst rating on (BETR) stock is a Hold with a $35.00 price target. To see the full list of analyst forecasts on Aurora Acquisition stock, see the BETR Stock Forecast page.

Aurora Acquisition updates ATM equity offering and financing

Aurora Acquisition, a financial services company, on September 26, 2025 established an at-the-market equity offering program allowing it to sell up to $75 million of Class A common stock through Cantor Fitzgerald & Co. and BTIG, LLC, and by November 13, 2025 had disclosed selling about $17.7 million, increasing that total to more than $35 million by December 19, 2025. The company said it plans to raise only the capital needed to execute its business plan, is seeking to reduce its capital requirements and reliance on the program to limit shareholder dilution, and is in advanced talks with existing and new warehouse lenders on higher advance-rate financing that could lower the equity needed to expand its warehouse facilities, though there is no assurance such deals will close.

The most recent analyst rating on (BETR) stock is a Hold with a $35.00 price target. To see the full list of analyst forecasts on Aurora Acquisition stock, see the BETR Stock Forecast page.

Aurora Acquisition Highlights Better Home & Finance COO Appointment

On December 19, 2025, Better Home & Finance Holding Company announced the appointment of Barry Feierstein as its Chief Operating Officer, tasking him with overseeing core corporate operations to drive alignment and efficiency as the company prepares for further scaling in 2026. Feierstein, who brings more than three decades of experience in residential housing finance, small business lending, student lending, higher education, insurance and credit platforms, is expected to work closely with Better’s executive team to streamline the organization and translate strategic priorities into operational plans that support the firm’s ambition to solidify its position as a leading AI-driven home finance provider, signaling a strengthened operational focus for stakeholders amid the company’s growth phase.

The most recent analyst rating on (BETR) stock is a Hold with a $44.00 price target. To see the full list of analyst forecasts on Aurora Acquisition stock, see the BETR Stock Forecast page.