Stock Trading Canary

United States · SEC Form 4 · Snapshot date: 2026-10-19 · Built: 2026-10-19 · 中文

← United States · Coverage record

US · SEC FORM 4

Better Home & Finance Holding Co

BETR · Nasdaq · CIK 0001835856 · Financial Services · Mortgage Finance

INSIDER SIGNAL

70.4 / 100

4 buyers · 15 purchase transaction lines · $1.7M gross purchase

WHY THIS SIGNAL?

Buyer breadthStrong
Purchase sizeModerate
RoleModerate
RecencyLow
ConvictionStrong
Score anatomy

Each bar shows the contribution to the current score; the weights and formula stay unchanged.

Cluster+28.0 / 35
Purchase size+19.1 / 25
Role+13.0 / 20
Recency+1.1 / 10
Conviction+9.1 / 10

What is holding the score back?

  • ⚠ Role scores low · most senior buyer: Chief Executive Officer (CEO, chair and 10% owners score lowest)
  • ⚠ Purchase activity is becoming less recent
  • ✓ Cluster breadth is broad · 4+ insiders

Purchase-size comments are relative to the model scale. Average daily volume is a separate market-context diagnostic.

US-v1.2 ranks qualifying equity purchases under the current 180-day rules. The score is a research priority, not a return forecast or probability. Backtests have not shown that a higher US score is followed by better returns.

Purchase breadth & concentration

QUALIFYING BUYERS4
PURCHASE CONCENTRATION79%Largest buyer: Garg Vishal · $1.4M
CLUSTER BUYING · 15D3 insidersPeak activity: 2026-05-07–2026-05-22

Roles in the peak window: Chief Executive Officer, Chief Financial Officer, Director. Concentration uses priced qualifying P lines only and does not change the saved score.

Insider activity timeline

Owner lanes show the latest 180 days. Symbol shape identifies the transaction type; sales remain context only.

AprMayJunJulAugSepOct
Advani LoveenChief Financial Officer
●●○○○○○○
Smith Chad M.Pres & COO, Better Mortgage
○○▼○▼○○
Garg VishalChief Executive Officer
●●●●
Orn Jonsson SigurgeirChief Technology Officer
○○○○
Talwar HaritDirector
●●○
FRATER HUGH RDirector
○●
● Purchase▼ Sale○ Other

Showing the six most active owners; 7 additional owner(s) remain in Form 4 evidence.

SIGNAL HISTORY

70.4 / 100

Latest recorded score

↑ +0.1 ptsversus the previous recorded snapshot
  1. 70.5
  2. 70.5
  3. 70.4
  4. 70.3
  5. 70.4

Only scores saved when a full US scoring run completed are shown; gaps are not reconstructed.

Recent Form 4 activity

37Purchases
25Sales
86Other Form 4 lines
80SEC filings · 365 days
BUYING15 qualifying P line(s) · 180 days
SELLING5 sale line(s) · context only
OTHER24 exercise / withholding / award / gift / other lines
10b5-1 / PLANNEDNot detected in parsed evidence

P is an open-market or private purchase. S is a sale. M, F, A and G usually describe exercises, tax withholding, awards and gifts. These categories remain visually separate.

Market context

Market context provides additional background on recent price performance and risk. It does not affect the Insider Signal.

Price performance

1M
-25.4%
3M
-58.5%
6M
-69.9%
12M
-84.2%

Volatility & liquidity

Volatility
111.8%
Beta
—
Avg daily value
USD 6.3M

Valuation

Market cap
—
P/E
—

Fundamentals

Profit margin
-100.6%
ROE
-446.1%
Industry
Mortgage Finance

Market data

Price data up to: 2026-10-11 · Price source: OpenBB/yfinance; volume from price cache (yfinance) · From SEC filings: Profit margin, ROE · Fiscal year ended: 2025-12-31 · Status: PASS

Short interest

Short interest is external context reported to FINRA by broker-dealers. It does not affect the Insider Signal.

Shares short
3,730,972
Previous report
3,343,709
Avg daily volume
647,018
Days to cover
5.8

FINRA settlement date: 2026-09-30 · Captured 2026-10-12 · FINRA equity short interest ↗. A share count, published about a week after each of two settlement dates a month; not a percentage of shares outstanding.

Historical equity purchases

Qualifying code P transactions in the local Form 4 history, including purchases outside the current signal window.

Transaction dateReporting ownerTypeSecuritySharesAvg. priceApprox. valueSource
2026-06-11FRATER HUGH RPurchase (P)Class A Common Stock5,150USD 24.34USD 125,351SEC filing ↗
2026-05-22Talwar HaritPurchase (P)Class A Common Stock5,000USD 25.34USD 126,700SEC filing ↗
2026-05-21Garg VishalPurchase (P)Class A Common Stock15,600USD 24.89USD 388,284SEC filing ↗
2026-05-20Garg VishalPurchase (P)Class A Common Stock15,600USD 25.00USD 389,994SEC filing ↗
2026-05-18Garg VishalPurchase (P)Class A Common Stock15,600USD 24.87USD 387,989SEC filing ↗
2026-05-12Advani LoveenPurchase (P)Class A Common Stock400USD 30.55USD 12,220SEC filing ↗
2026-05-11Advani LoveenPurchase (P)Class A Common Stock100USD 31.25USD 3,125SEC filing ↗
2026-05-08Talwar HaritPurchase (P)Class A Common Stock3,000USD 30.43USD 91,290SEC filing ↗
2026-05-07Garg VishalPurchase (P)Class A Common Stock6,583USD 30.00USD 197,485SEC filing ↗
2026-04-10Anderson Michael Ernest; Framework Labs, Inc.; Framework Ventures IV GP LLC; Framework Ventures IV L.P.; Framework Ventures Management LLC; Spencer VancePurchase (P)Common Stock54,384USD 32.96USD 1,792,497SEC filing ↗
2026-04-09Talwar HaritPurchase (P)Class A Common Stock5,000USD 32.89USD 164,450SEC filing ↗
2026-04-08Talwar HaritPurchase (P)Class A Common Stock1,000USD 33.34USD 33,340SEC filing ↗
2026-04-08Orn Jonsson SigurgeirPurchase (P)Class A Common Stock1,000USD 36.09USD 36,089SEC filing ↗
2026-04-08MENON BHASKARPurchase (P)Class A Common Stock590USD 34.14USD 20,143SEC filing ↗
2026-04-08Garg VishalPurchase (P)Class A Common Stock10,000USD 35.05USD 350,500SEC filing ↗

Form 4 evidence

148 transaction lines in the latest 365-day window; 299 in local history.

DateOwnerTypeSecuritySharesAvg. priceApprox. valueSource
2026-10-01Advani LoveenOption exercise / conversion (M)Class A Common Stock9,167USD 0.00USD 0SEC filing ↗
2026-10-01Advani LoveenTax withholding (F)Class A Common Stock2,514USD 11.19USD 28,132SEC filing ↗
2026-09-17Tuffin PaulaSale (S)Class A Common Stock3,108USD 12.36USD 38,415SEC filing ↗
Show recent Form 4 evidence (30 grouped rows)
DateOwnerTypeSecuritySharesAvg. priceApprox. valueSource
2026-10-01Advani LoveenOption exercise / conversion (M)Class A Common Stock9,167USD 0.00USD 0SEC filing ↗
2026-10-01Advani LoveenTax withholding (F)Class A Common Stock2,514USD 11.19USD 28,132SEC filing ↗
2026-09-17Tuffin PaulaSale (S)Class A Common Stock3,108USD 12.36USD 38,415SEC filing ↗
2026-09-04FEIERSTEIN BARRYOption exercise / conversion (M)Class A Common Stock18,750USD 0.00USD 0SEC filing ↗
2026-09-01Tuffin PaulaAward / grant (A)Class A Common Stock6,132USD 0.00USD 0SEC filing ↗
2026-09-01Smith Chad M.Option exercise / conversion (M)Class A Common Stock10,000USD 0.00USD 0SEC filing ↗
2026-09-01Smith Chad M.Award / grant (A)Class A Common Stock11,243USD 0.00USD 0SEC filing ↗
2026-08-19Smith Chad M.Sale (S)Class A Common Stock3,307USD 12.85USD 42,495SEC filing ↗
2026-08-06Smith Chad M.Option exercise / conversion (M)Class A Common Stock5,000USD 0.00USD 0SEC filing ↗
2026-08-01Orn Jonsson SigurgeirOption exercise / conversion (M)Class A Common Stock3,906USD 0.00USD 0SEC filing ↗
2026-08-01Orn Jonsson SigurgeirTax withholding (F)Class A Common Stock1,995USD 23.50USD 46,882SEC filing ↗
2026-07-01Advani LoveenOption exercise / conversion (M)Class A Common Stock9,167USD 0.00USD 0SEC filing ↗
2026-07-01Advani LoveenTax withholding (F)Class A Common Stock2,510USD 30.19USD 75,777SEC filing ↗
2026-06-30Advani LoveenOption exercise / conversion (M)Class A Common Stock9,167USD 0.00USD 0SEC filing ↗
2026-06-30Advani LoveenTax withholding (F)Class A Common Stock2,510USD 27.48USD 68,975SEC filing ↗
2026-06-11FRATER HUGH RPurchase (P)Class A Common Stock5,150USD 24.34USD 125,351SEC filing ↗
2026-06-09Talwar HaritOption exercise / conversion (M)Class A Common Stock20,191USD 0.00USD 0SEC filing ↗
2026-06-09Narasimhan PrabhuOption exercise / conversion (M)Class A Common Stock11,327USD 0.00USD 0SEC filing ↗
2026-06-09Massenet ArnaudOption exercise / conversion (M)Class A Common Stock11,327USD 0.00USD 0SEC filing ↗
2026-06-09MENON BHASKAROption exercise / conversion (M)Class A Common Stock12,388USD 0.00USD 0SEC filing ↗
2026-06-09Farello Michael J.Option exercise / conversion (M)Class A Common Stock11,327USD 0.00USD 0SEC filing ↗
2026-06-09FRATER HUGH ROption exercise / conversion (M)Class A Common Stock1,176USD 0.00USD 0SEC filing ↗
2026-06-09Barse David MichaelOption exercise / conversion (M)Class A Common Stock10,389USD 0.00USD 0SEC filing ↗
2026-05-22Talwar HaritPurchase (P)Class A Common Stock5,000USD 25.34USD 126,700SEC filing ↗
2026-05-21Garg VishalPurchase (P)Class A Common Stock15,600USD 24.89USD 388,284SEC filing ↗
2026-05-20Garg VishalPurchase (P)Class A Common Stock15,600USD 25.00USD 389,994SEC filing ↗
2026-05-18Garg VishalPurchase (P)Class A Common Stock15,600USD 24.87USD 387,989SEC filing ↗
2026-05-12Advani LoveenPurchase (P)Class A Common Stock400USD 30.55USD 12,220SEC filing ↗
2026-05-11Advani LoveenPurchase (P)Class A Common Stock100USD 31.25USD 3,125SEC filing ↗
2026-05-08Talwar HaritPurchase (P)Class A Common Stock3,000USD 30.43USD 91,290SEC filing ↗

Multiple price lines in one filing are grouped and share-weighted. Price and value are blank when a grouped filing line lacks price evidence.

Snapshot & identity

Snapshot date2026-10-19
Ranking versionUS-v1.2
Data qualityPASS ELIGIBLE · —
TickerBETR
CIK0001835856
SectorFinancial Services
IndustryMortgage Finance Yahoo Finance
SEC SIC6163 Loan Brokers
ExchangeNasdaq

Data coverage

Local Form 4 history299 transaction lines from 2021-04-15 to 2026-10-01
43 P purchase lines · 88 S sale lines · 168 other lines
SEC company submissionsOpen SEC filings ↗

Local ledger as of 2026-10-19. Mapping status is an audit field and does not erase SEC filing evidence.