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Cash Flow
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Balance Sheet
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Cash Flow Overview
Unit: Thousand (K) dollars
Positive Cash Flow Breakdown
Proceeds from sale of mortgage l...
Proceeds from issuance of common...
Net borrowings on warehouse line...
Others
Negative Cash Flow Breakdown
Originations of mortgage loans h...
Gain on sale of loans, net
Accounts payable and accrued exp...
Others
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Page 1
Quarterly
123
Page 1
Cash Flow
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Net loss
-30,593
-70,311
-39,920
-39,125
Net income (loss) discontinued operations
872
-20,961
-
-
Depreciation of property and equipment
256
244
248
85
Impairment charges, net
486
-87
11,073
1,432
Amortization of internal use software and other intangible assets
2,717
2,753
2,913
3,313
Gain on sale of loans, net
50,854
44,064
36,667
36,249
Non-cash interest and amortization of debt issuance costs and discounts
0
0
0
0
Change in fair value of warrants and equity related liabilities
-1,067
6,202
-5,854
5,579
Stock-based compensation
14,585
23,795
7,876
4,271
Provision (recovery) of loan repurchase reserve
872
638
292
1,436
Provision for credit losses
-
584
-72
-146
Amortization/accretion of deferred fees and costs
-
-
630
1,079
Change in fair value of derivatives
-2,350
2,282
-3,416
2,351
Change in fair value of loans held for investment attributable to hedged risk
-
-
1,946
-
Change in fair value of mortgage loans held for sale
2,528
4,905
-921
770
Gain on disposal of assets held for sale
0
1,000
0
-692
Change in operating lease of right-of-use assets
-203
217
-7
-3,284
Originations of mortgage loans held for sale
1,638,182
1,616,945
1,423,088
1,200,231
Proceeds from sale of mortgage loans held for sale
1,742,878
1,568,508
1,407,803
1,267,890
Other receivables, net
2,101
5,418
-18,203
1,770
Prepaid expenses and other assets
-975
6,161
-4,564
-6,430
Operating lease liabilities
195
-246
-496
-907
Accounts payable and accrued expenses
-11,120
-1,973
-3,432
8,723
Escrow payable and other customer accounts
-845
2,198
-496
259
Other liabilities
-88
2,497
-129
-13,603
Net cash used in operating activities
-
-
-57,270
4,210
Net cash used in operating activities-continuing operations
26,277
-124,795
-
-
Purchase of property and equipment
92
378
344
240
Payment to dispose of assets held for sale
-
-
0
1,597
Proceeds from sale of property and equipment
-
-
0
-
Proceeds of sale of assets held for sale
4
2,371
-
-
Capitalization of internal use software
2,095
2,348
2,633
2,560
Maturities of short-term investments
-
-
94,584
104,273
Purchase of short-term investments
-
-
65,657
102,874
Origination of loans held for investment
-
-
98,399
204,814
Principal payments received on loans held for investment
-
-
471
250
Net cash used in investing activities
-
-
-71,978
-207,562
Net cash used in investing activities-continuing operations
-2,183
-355
-
-
Principal payments on convertible notes
0
-
-1,606
1,606
Principal payments on senior notes
-
-
1,606
-
Net borrowings (repayments) on warehouse lines of credit
-
95,719
62,091
-21,418
Net increase in customer deposits
-
-
68,169
212,455
Net borrowings on warehouse lines of credit
42,472
-
-
-
Proceeds from issuance of common stock
66,011
11,686
28,632
589
Proceeds from issuance of stock options
0
0
-
-
Proceeds from exercise of warrants
0
5,732
71
3
Net investment in discontinued operations
0
0
-
-
Net cash provided by financing activities
-
-
158,963
190,023
Net cash provided by/(used in) financing activities-continuing operations
12,764
113,137
-
-
Effects of currency translation on cash, cash equivalents, and restricted cash
534
-803
-562
1,982
Net change in cash, cash equivalents, and restricted cash, including cash classified within assets held for sale
37,392
-12,816
29,153
-11,347
Less net change in cash, cash equivalents and restricted cash classified within assets held for sale
-976
1,790
-
-
Cash, cash equivalents, and restricted cashbeginning of period
73,677
88,283
-
-
Cash, cash equivalents, and restricted cashend of period
111,883
-
-
-
Cash and cash equivalents, end of period
102,250
-
-
-
Restricted cash, end of period
9,633
-
-
-
Total cash, cash equivalents and restricted cash, end of period
111,883
73,677
-
-
Page 1
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.
Page 1
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Time Plot
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Cash Flow
Proceeds from sale of
mortgage loans held for...
$1,742,878K
(-15.76%↓ Y/Y)
Proceeds from issuance of
common stock
$66,011K
Stock-based compensation
$14,585K
(76.04%↑ Y/Y)
Amortization of internal use
software and other...
$2,717K
(-60.04%↓ Y/Y)
Change in fair value of
derivatives
-$2,350K
(-699.49%↓ Y/Y)
Prepaid expenses and
other assets
-$975K
(-164.91%↓ Y/Y)
Provision (recovery) of
loan repurchase...
$872K
(134.21%↑ Y/Y)
Impairment charges, net
$486K
Net borrowings on
warehouse lines of credit
$42,472K
Net cash used in
operating...
$26,277K
Net cash provided
by/(used in) financing...
$12,764K
Canceled cashflow
$1,738,453K
Effects of currency
translation on cash, cash...
$534K
(105.99%↑ Y/Y)
Canceled cashflow
$95,719K
Net change in cash,
cash equivalents,...
$37,392K
(126.89%↑ Y/Y)
Canceled cashflow
$2,183K
Originations of mortgage
loans held for sale
$1,638,182K
(-20.31%↓ Y/Y)
Gain on sale of loans,
net
$50,854K
(-8.03%↓ Y/Y)
Net loss
-$30,593K
(64.77%↑ Y/Y)
Accounts payable and
accrued expenses
-$11,120K
(-194.74%↓ Y/Y)
Change in fair value of
mortgage loans held for...
$2,528K
(135.08%↑ Y/Y)
Other receivables,
net
$2,101K
(-85.14%↓ Y/Y)
Change in fair value of
warrants and equity...
-$1,067K
(-410.17%↓ Y/Y)
Net income (loss)
discontinued operations
$872K
Escrow payable and
other customer...
-$845K
(-217.20%↓ Y/Y)
Change in operating
lease of right-of-use...
-$203K
(94.08%↑ Y/Y)
Other liabilities
-$88K
(-100.86%↓ Y/Y)
something is missing
-$95,719K
Proceeds of sale of assets
held for sale
$4K
Net cash used in
investing...
-$2,183K
Canceled cashflow
$4K
Capitalization of internal use
software
$2,095K
(-56.74%↓ Y/Y)
Purchase of property and
equipment
$92K
(-84.89%↓ Y/Y)
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Better Home & Finance Holding Co (BETR)
Better Home & Finance Holding Co (BETR)