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Better Home & Finance Holding cash flow, quarter by quarter

Latest: Q2 2026 · from the cash-flow statements filed with the SEC

Free cash flow$23.4M in Q2 2026 · −$156M over twelve months

Operating cash flow$23.5M
Capital spending−$92K
Free cash flow+$23.4M

Analysis

In Q2 2026, Better Home & Finance Holding generated $23.5M of operating cash flow and spent $92K on capital projects, leaving free cash flow of $23.4M. That is $79.8M more than in Q2 2025 (−$56.4M).

Over the twelve months to Jun 30, 2026, operating cash flow was −$155M; the largest uses were other investing ($269M), operating cash flow ($155M), capital spending ($1.1M); besides operations, cash came from other financing ($345M), shares issued ($113M); the cash balance rose by $41.0M.

Operating cash flow was $23.5M against net income of −$30.6M. The largest differences: stock-based pay +$14.6M, payables −$11.1M, depreciation & amortization +$3.0M.

Free cash flow

Better Home & Finance Holding: free cash flow by quarterBetter Home & Finance Holding: free cash flow by quarter−$11.7MQ3 2024−$106MQ4 2024−$57.4MQ1 2025−$56.4MQ2 2025$3.6MQ3 2025−$57.6MQ4 2025−$126MQ1 2026$23.4MQ2 2026
Operating cash flow less capital spending.
Better Home & Finance Holding: operating cash flow against capital spendingBetter Home & Finance Holding: operating cash flow against capital spendingOperating cash flowCapital spending−$10.6M$1.2MQ3 2024−$106M$471KQ4 2024−$57.2M$202KQ1 2025−$56.0M$407KQ2 2025$3.9M$240KQ3 2025−$57.3M$344KQ4 2025−$125M$378KQ1 2026$23.5M$92KQ2 2026
Latest (Q2 2026): Operating cash flow $23.5M, Capital spending $92K.

Capital allocation, year by year

Better Home & Finance Holding: where the cash came from (up) and went (down), by fiscal yearBetter Home & Finance Holding: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingShares issuedAsset salesCapital spendingAcquisitionsBuybacksFY2021: Operating cash flow −$3.2MFY2021FY2022: Operating cash flow $938MFY2022: Net borrowing −$1.5BFY2022: Shares issued $734KFY2022: Asset sales $4.5MFY2022: Capital spending −$11.7MFY2022: Acquisitions −$3.8MFY2022: Buybacks −$7.9M$944MFY2022FY2023: Operating cash flow −$160MFY2023: Net borrowing $364MFY2023: Shares issued $16.4MFY2023: Asset sales $764KFY2023: Capital spending −$456KFY2023: Acquisitions −$12.7M$382MFY2023FY2024: Operating cash flow −$380MFY2024: Net borrowing $118MFY2024: Shares issued $91KFY2024: Asset sales $2.9MFY2024: Capital spending −$3.4M$121MFY2024FY2025: Operating cash flow −$167MFY2025: Net borrowing $166MFY2025: Shares issued $29.3MFY2025: Capital spending −$1.2M$195MFY2025
Over these 5 years operating cash flow totalled $229M; the largest uses were net borrowing ($1.5B) and operating cash flow ($710M). Cash-flow statements as filed.

Cash runway and the debt wall

Cash & investments$206M
Debtnone
Net cash$206M
Cash runway16 months

Better Home & Finance Holding is burning cash: its operations consume cash, a free cash flow of −$156M a year at the current rate against $206M of cash and investments: a runway of about 16 months before any new financing.

Where the cash came from and went

Better Home & Finance Holding: sources (+) and uses (−) of cash, Q2 2026Better Home & Finance Holding: sources (+) and uses (−) of cash, Q2 2026Shares issued$66.0MOther financing−$62.3MCash drawn (+) / kept (−)−$37.4MOperating cash flow$23.5MOther investing$20.9MNot reconciled−$11.1MExchange rates$534KCapital spending−$92K
Better Home & Finance Holding: sources (+) and uses (−) of cash, TTM to Q2 2026Better Home & Finance Holding: sources (+) and uses (−) of cash, TTM to Q2 2026Other financing$345MOther investing−$269MOperating cash flow−$155MShares issued$113MCash drawn (+) / kept (−)−$41.0MNot reconciled$18.8MExchange rates−$10.3MCapital spending−$1.1M

From profit to cash

Better Home & Finance Holding: net income to operating cash flow, Q2 2026Better Home & Finance Holding: net income to operating cash flow, Q2 2026Net income−$30.6MDepreciation & amortization$3.0MStock-based pay$14.6MPayables−$11.1MPrepaid and other assets$975KOther liabilities−$88KOperating cash flow$23.5M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowCapital spendingNet borrowing (+) / repaid (−)Shares issuedCash drawn (+) / kept (−)Free cash flow
Q2 2026$23.5M−$92K—$66.0M−$37.4M$23.4M
Q1 2026−$125M−$378K$95.7M$17.4M$12.8M−$126M
Q4 2025−$57.3M−$344K$63.7M$28.7M−$29.2M−$57.6M
Q3 2025$3.9M−$240K−$23.0M$593K$12.8M$3.6M
Q2 2025−$56.0M−$407K$25.2M—$36.1M−$56.4M
Q1 2025−$57.2M−$202K−$8.1M—$102M−$57.4M
Q4 2024−$106M−$471K$110M$86K−$6.1M−$106M
Q3 2024−$10.6M−$1.2M−$113M−$34K$110M−$11.7M

Better Home & Finance Holding: income statement and cash flow

Better Home & Finance Holding, Q2 2026: revenue $54.7M (+28% year over year), operating margin -57.4%. The chart follows the revenue to costs, profit and cash.

Better Home & Finance Holding: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.