Aurora Acquisition (BETR) AI Stock Analysis

• Market Cap: $1.12B
• Dividend Yield: N/A
• Average Volume (3M): 1.52M
• Price to Earnings (P/E): ―
• Beta (1Y): 0.78
• Revenue Growth: 75.03%
• EPS Growth: 70.19%
• Country: US
• Employees: 1,250
• Sector: Financial
• Sector Strength: 70
• Industry: Financial - Mortgages
• EPS (TTM): -2.19
• Shares Outstanding: 9,477,467
• 10 Day Avg. Volume: 844,026
• 30 Day Avg. Volume: 1,522,914
• 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: 0.47
• Enterprise Value/Revenue: 3.31
• Enterprise Value/Gross Profit: 29.94
• Enterprise Value/Ebitda: -3.91
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: Hold
• Number of Analyst Covering: 1

• Rating: 55 Neutral
• Price Target: $78.00 ▲(23.13% Upside)

Aurora Acquisition's overall stock score is primarily impacted by its challenging financial performance, with significant losses and high leverage. However, strong technical momentum and positive developments in AI and revenue growth provide some optimism. The negative P/E ratio and lack of dividend yield weigh down the valuation score, while the earnings call suggests potential for future profitability.

Positive Factors

Revenue Growth

Strong revenue growth driven by increased loan volume indicates robust demand and effective market penetration, supporting long-term business expansion.

AI Technology Advancements

AI advancements enhance operational efficiency and customer acquisition, providing a competitive edge and supporting sustainable growth.

Debt Restructuring

Successful debt restructuring improves financial stability and flexibility, enabling strategic investments and reducing financial risk.

Negative Factors

High Leverage

High leverage poses financial risk, potentially limiting the company's ability to invest in growth opportunities and impacting long-term solvency.

Negative Cash Flow

Persistent negative cash flow challenges liquidity and operational sustainability, necessitating strategic adjustments to ensure long-term viability.

Profitability Issues

Ongoing profitability challenges indicate operational inefficiencies, requiring strategic initiatives to improve margins and achieve sustainable growth.

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 Corp makes money through the successful completion of a business combination. This involves identifying a private company to merge with or acquire, thereby taking the private company public through the SPAC's existing stock market listing. The SPAC raises funds through its initial public offering (IPO) and holds these funds in a trust account until a suitable target company is identified. Once a merger is completed, the SPAC may earn money through the appreciation of its stock and the acquisition target's future performance. Additionally, sponsors of the SPAC may receive a portion of equity in the merged entity as compensation for their efforts in facilitating the business combination.

Aurora Acquisition Financial Statement Overview

Summary

Aurora Acquisition faces significant financial challenges across all verticals. The income statement shows persistent losses and negative margins, while the balance sheet is burdened with high leverage and negative equity. Cash flow issues further exacerbate the situation, with negative cash flows and declining free cash flow growth. These factors collectively indicate a need for strategic financial restructuring to improve profitability and stability.

Income Statement

Aurora Acquisition's income statement reveals significant challenges. The company has been experiencing negative profit margins, with a TTM net profit margin of -124.31% and a gross profit margin of 11.06%. Although there is a positive revenue growth rate of 10.30% in the TTM, the persistent negative EBIT and EBITDA margins indicate ongoing operational inefficiencies and profitability issues.

Balance Sheet

The balance sheet shows a high debt-to-equity ratio of -7.49 in the TTM, indicating significant leverage and potential financial risk. While the return on equity is positive at 9.61%, the negative equity ratio and high debt levels pose concerns about financial stability and solvency.

Cash Flow

Aurora Acquisition's cash flow statement highlights negative operating and free cash flows in the TTM, with a free cash flow to net income ratio of 1.05. The negative free cash flow growth rate of -87.6% suggests deteriorating cash generation capabilities, raising concerns about liquidity and operational sustainability.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2016
Income Statement
Total Revenue	161.10M	120.05M	88.50M	395.08M	1.31B	270.81M
Gross Profit	17.82M	-42.52M	-61.31M	-298.49M	342.30M	130.11M
EBITDA	-136.53M	-154.79M	-459.94M	-523.38M	-175.32M	75.05M
Net Income	-200.26M	-206.29M	-536.42M	8.74M	-301.13M	27.29M
Balance Sheet
Total Assets	1.23B	913.06M	905.55M	1.09B	3.30B	838.24M
Cash, Cash Equivalents and Short-Term Investments	221.52M	264.88M	529.19M	317.96M	938.32M	10.32M
Total Debt	577.63M	767.90M	672.06M	1.10B	2.37B	7.67M
Total Liabilities	1.16B	971.23M	782.95M	1.26B	2.62B	786.51M
Stockholders Equity	76.56M	-58.17M	122.60M	-167.90M	676.44M	51.73M
Cash Flow
Free Cash Flow	-241.83M	-390.05M	-169.50M	902.94M	292.57M	-6.74M
Operating Cash Flow	-230.10M	-379.97M	-159.72M	938.22M	361.21M	-803.00K
Investing Cash Flow	-518.75M	-143.81M	-38.59M	-34.66M	-68.70M	-388.08M
Financing Cash Flow	469.57M	239.13M	381.40M	-1.54B	304.54M	380.97M

Aurora Acquisition Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 63.35
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For BETR, the sentiment is Positive. The current price of 63.35 is below the 20-day moving average (MA) of 67.96, above the 50-day MA of 49.31, and above the 200-day MA of 21.87, indicating a bullish trend. The MACD of 7.44 indicates Positive momentum. The RSI at 56.95 is Neutral, neither overbought nor oversold. The STOCH value of 36.23 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for BETR.

Aurora Acquisition Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
SNFCA	―	$209.61M	9.22	6.65%	―	5.49%	4.30%
VEL	―	$720.34M	8.58	15.02%	―	35.12%	25.28%
Sector *	―	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
IOR	―	$74.31M	17.31	3.52%	―	―	-32.51%
BETR	―	$1.12B	―	-286.59%	―	75.03%	70.19%
ONIT	―	$308.92M	9.77	7.55%	―	-2.84%	2420.57%
LDI	―	$999.40M	―	-23.67%	―	6.60%	44.77%

Aurora Acquisition Corporate Events

Aurora Acquisition Expands Loan Volume with New Partnerships

In September 2025, Better Home & Finance Holding Company announced two significant agreements aimed at increasing its monthly loan volume. The first partnership involves a top U.S. personal financial services platform offering Better’s mortgage financing products, while the second involves a major non-bank mortgage originator using Better’s platform for HELOCs and HELOANs. To support this growth, Better has launched a $75 million at-the-market program to increase its warehouse line capacity, potentially scaling monthly originations from $500 million to $2 billion.

The most recent analyst rating on (BETR) stock is a Hold with a $18.00 price target. To see the full list of analyst forecasts on Aurora Acquisition stock, see the BETR Stock Forecast page.

Better Home & Finance Reports Strong Q2 2025 Growth

Aurora Acquisition Corp. Class A, operating under the brand Better Home & Finance Holding Company, is a digitally native homeownership company leveraging advanced AI technology to streamline mortgage processes and enhance customer experience. The company operates primarily in the mortgage and finance sector, offering a variety of loan products across the United States and the United Kingdom.

Aurora Acquisition Corp. Class A: Positive Earnings Call Highlights

Aurora Acquisition Corp. Class A’s recent earnings call painted a generally positive picture, underscored by significant growth in revenue and loan volume, as well as technological advancements. Despite facing challenges such as an adjusted EBITDA loss and the loss of a major business partner, the company’s strategic focus and technological progress suggest a promising path toward profitability.

Aurora Acquisition Appoints New Independent Directors

On July 30, 2025, Better Home & Finance Holding Company announced the election of David Barse and Bhaskar Menon as directors, effective August 1, 2025. Both individuals meet the Nasdaq Stock Market’s independence requirements, and their committee assignments will be determined later. The new directors will receive compensation according to the company’s policy, including annual cash and equity retainers. There are no personal or financial conflicts of interest involving the new directors.