Better Home & Finance (BETR) Stock Beats Q4 Estimates as AI Platform Volume Surges 34%

TLDR

• Q4 revenue hit $44.31M, up 77.4% year-over-year, beating estimates by $3.6M
• Funded Loan Volume grew 56% YoY to $1.5 billion, far outpacing the industry’s 4% growth
• Tinman AI Platform volume reached $646M in Q4, up 34% quarter-over-quarter, topping the $600M guidance target
• Net loss narrowed 33% YoY to $39.92M; Adjusted EBITDA loss improved 14% YoY to $24M
• Company reaffirmed Adjusted EBITDA breakeven target by end of Q3 2026

Better Home & Finance Holding (BETR) put up its strongest revenue quarter on record, reporting Q4 2025 results that beat estimates and showed accelerating loan volume growth powered by its Tinman AI platform.

Revenue came in at $44.31 million for the quarter, a 77.4% jump from the same period a year ago. That beat analyst estimates by $3.6 million.

Funded Loan Volume hit $1.5 billion in Q4 — up 56% year-over-year — while the broader mortgage industry grew just 4% over the same period. The gap is hard to ignore.

Better Home & Finance Holding Company, BETR

The net loss for the quarter was $39.92 million, down from a $59 million loss in Q4 2024. That’s a 33% improvement year-over-year.

Adjusted EBITDA loss came in at $24 million, an improvement from the $28 million loss posted in Q4 2024.

Tinman AI Platform Drives Volume

The Tinman AI Platform was the headline story. It generated $646 million in funded loan volume during Q4, up 34% from Q3 2025, and came in above the company’s prior guidance of $600 million. That represented more than 40% of total funded loan volume in the quarter.

The company’s partnership with Intuit Credit Karma — one of the largest consumer finance platforms in the U.S. with over 140 million members — launched in Q4. In just five months, Credit Karma Home Loans powered by Better has generated more than 30,000 mortgage pre-approvals. The product has reached less than 1% of Credit Karma’s eligible member base.

Pre-approvals from the Credit Karma partnership scaled fast: 850 in October, 2,600 in November, 5,000 in December, then 11,000 in January and 13,000 in February 2026.

A new integration with ChatGPT was also launched in Q1 2026, giving lenders and fintech partners access to Better’s Tinman AI mortgage underwriting platform through natural language prompts.

Guidance and Q1 2026 Outlook

For Q1 2026, the company guided for loan volume of $1.40 billion to $1.55 billion.

Better reaffirmed its target of $1 billion in monthly loan volume by the end of May 2026, contingent on continued Tinman AI Platform partnership growth.

The company also reaffirmed its Adjusted EBITDA breakeven target by the end of Q3 2026.

On the product side, purchase funded loan volume was $720 million (49% of total), refinance was $537 million (37%), and home equity was $203 million (14%). Refinance volume surged 207% year-over-year — the biggest driver of growth.

Better ended Q4 with approximately $229 million in cash, restricted cash, short-term investments, and assets held for sale. Warehouse financing capacity stood at $575 million across three facilities.

A top-five non-bank mortgage originator went live with HELOCs in Q1 2026, with a full enterprise rollout expected in Q2 2026. A top-three personal lending fintech pilot also initiated in Q1 and is scaling rapidly.

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