BETR · Better Home & Finance Holding Co

Better Home & Finance Holding Company operates as a homeownership company in the United States. The company provides government-sponsored enterprise (GSE) conforming loans, Federal Housing Administration insured loans, Department of Veterans Affairs guaranteed loans, and jumbo loans to GSEs, banks, insurance companies, asset managers, and mortgage real estate investment trusts. It offers real estate agent services, title insurance and settlement services, and homeowners insurance services. It also offers home equity lines of credit and closed-end second-lien loans. 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.

Cap structure and valuation

Cap structure
SP	$26.40
SO	16.7M
Options	0.6M
Warrants	7.6M
FD SO	24.9M
MC	$657.4M

Cash	$64.3M
Total debt	$0.4M
EV	$593.5M

TTM Multiples
EV / Revenue	70.6x
EV / EBITDA	—
MC / Net Income	—
EV / FCF	—
MC / FCF	—

MC = SP × FD SO. EV = MC + Debt − Cash. SP = previous yfinance close. Balance-sheet figures as of 2026-03-31. Multiples use TTM (sum of last 4 quarters); shown as "—" when the denominator is zero or negative.

Financial statements

	3/31/26	12/31/25	9/30/25	6/30/25
Total Revenue	1.14	1.19	2.78	3.30
Revenue YoY %	(68.7%)	(71.1%)	(9.5%)	14.5%

SG&A	8.95	12.02	10.17	11.51
R&D	8.36	7.02	6.73	6.95

Operating Income	(97.27)	(83.37)	(80.07)	(77.02)
Operating Income YoY %	(32.3%)	(4.6%)	(0.1%)	(9.2%)
Operating Margin %	(8517.6%)	(6993.9%)	(2883.3%)	(2333.9%)
EBITDA	(94.27)	(80.21)	(76.67)	(73.48)
EBITDA Margin %	(8255.2%)	(6728.7%)	(2761.0%)	(2226.8%)

Interest Expense	1.55	4.74	4.67	4.07
Pretax Income	(71.88)	(40.25)	(38.98)	(36.18)
Tax Provision	(1.57)	(0.33)	0.14	0.09
Net Income	(70.31)	(39.92)	(39.12)	(36.27)
Net Margin %	(6156.8%)	(3349.0%)	(1408.9%)	(1099.1%)

Diluted EPS	-$4.29	-$2.53	-$2.56	-$2.39
Basic EPS	-$4.29	-$2.53	-$2.56	-$2.39
Diluted Avg Shares	16.4	0.1	15.3	15.2
Basic Avg Shares	16.4	0.1	15.3	15.2

	LTM	12/31/25	12/31/24	12/31/23	12/31/22
Total Revenue	8.41	164.87	108.49	0.00	12.31
Revenue YoY %	(94.9%)	52.0%	—	(100.0%)	—

SG&A	42.64	45.32	52.23	60.15	185.88
R&D	29.05	27.87	26.11	39.43	124.31

Operating Income	(337.73)	(165.82)	(205.44)	(291.28)	(858.92)
Operating Income YoY %	(103.7%)	19.3%	29.5%	66.1%	—
Operating Margin %	(4015.3%)	(100.6%)	(189.4%)	—	(6975.7%)
EBITDA	(324.64)	(164.82)	(198.34)	(285.48)	(845.22)
EBITDA Margin %	(3859.7%)	(100.0%)	(182.8%)	—	(6864.5%)

Interest Expense	15.03	17.43	17.50	11.68	17.06
Pretax Income	(187.28)	(165.82)	(205.44)	(534.42)	9.84
Tax Provision	(1.66)	0.05	0.85	2.00	1.10
Net Income	(185.63)	(165.87)	(206.29)	(536.42)	8.74
Net Income to Common	(185.63)	(165.87)	(206.29)	(536.42)	(877.08)
Net Margin %	(2206.9%)	(100.6%)	(190.2%)	—	70.9%

Diluted EPS	-$11.77	-$10.80	-$13.65	-$58.09	-$3.01
Basic EPS	-$11.77	-$10.80	-$13.65	-$58.09	-$3.01
Diluted Avg Shares	16.4	15.4	15.1	9.2	291.3
Basic Avg Shares	16.4	15.4	15.1	9.2	291.3

	3/31/26	12/31/25	9/30/25	6/30/25
Cash & Equivalents	64.27	79.36	73.89	87.13

Goodwill	10.99	10.99	24.51	24.77
Total Assets	1,568.80	1,505.43	1,384.13	1,231.86

Total Liabilities	1,560.24	1,468.25	1,342.22	1,155.30

Retained Earnings	(2,146.55)	(2,076.24)	(2,036.32)	(1,997.19)
Total Equity	8.55	37.18	41.91	76.56

	LTM	12/31/25	12/31/24	12/31/23	12/31/22
Cash & Equivalents	64.27	79.36	211.10	503.59	317.96
Inventory	—	—	—	0.00	1.14
Total Current Assets	—	—	—	—	0.42

Goodwill	10.99	10.99	23.61	32.39	17.39
Total Assets	1,568.80	1,505.43	913.06	905.55	1,083.35

Total Current Liabilities	—	—	—	—	15.02
Total Liabilities	1,560.24	1,468.25	971.23	782.95	1,251.26
Mezzanine Equity	—	—	—	0.00	436.28

Retained Earnings	(2,146.55)	(2,076.24)	(1,910.37)	(1,704.08)	(1,167.66)
Total Equity	8.55	37.18	(58.17)	122.60	(604.18)

	3/31/26	12/31/25	9/30/25	6/30/25
Net Income	(70.31)	(39.92)	(39.12)	(36.27)
D&A	3.00	3.16	3.40	3.54
Stock-Based Comp	23.80	7.88	4.27	4.25
Operating Cash Flow	(125.18)	(57.27)	4.21	(56.33)

CapEx	(0.38)	(0.34)	(0.24)	(0.41)
Investing Cash Flow	(11.59)	(71.98)	(207.56)	(223.12)

Stock Issuance	11.69	28.63	0.59	—
Financing Cash Flow	105.24	158.96	190.02	246.53

Free Cash Flow	(125.55)	(57.61)	3.97	(56.73)

	LTM	12/31/25	12/31/24	12/31/23	12/31/22
Net Income	(185.63)	(165.87)	(206.29)	(536.42)	(877.08)
D&A	13.09	1.00	7.10	5.80	13.70
Stock-Based Comp	40.19	20.43	26.75	54.16	30.54
Operating Cash Flow	(234.56)	(166.57)	(379.97)	(159.72)	938.25

CapEx	(1.37)	(1.19)	(3.39)	(0.46)	(11.73)
Investing Cash Flow	(514.26)	(661.51)	(143.81)	(38.59)	(34.58)

Stock Issuance	—	29.22	0.00	16.35	0.00
Stock Buyback	—	—	—	0.00	(7.95)
Financing Cash Flow	700.75	714.34	239.13	381.40	(1,537.20)

Free Cash Flow	(235.93)	(167.77)	(383.36)	(160.18)	926.52

	3/31/26	12/31/25	9/30/25	6/30/25
Current Ratio	—	—	—	—
Quick Ratio	—	—	—	—
Debt / Equity	182.42	39.49	32.02	15.09
EBITDA Margin %	(8255.2%)	(6728.7%)	(2761.0%)	(2226.8%)
Working Capital	—	—	—	—
Net Debt	—	—	—	—
ROE %	(822.1%)	(107.4%)	(93.4%)	(47.4%)
ROA %	(4.5%)	(2.7%)	(2.8%)	(2.9%)

	LTM	12/31/25	12/31/24	12/31/23	12/31/22
Current Ratio	—	—	—	—	0.03
Quick Ratio	—	—	—	—	-0.05
Debt / Equity	182.42	39.49	-16.70	6.39	-2.07
EBITDA Margin %	(3859.7%)	(100.0%)	(182.8%)	—	(6864.5%)
Working Capital	—	—	—	—	(14.61)
Net Debt	—	—	—	—	—
ROE %	(2170.3%)	(446.1%)	354.6%	(437.5%)	(1.4%)
ROA %	(11.8%)	(11.0%)	(22.6%)	(59.2%)	0.8%

Insider activity (last 2 years)

Date Filed	Reporter	Relationship	Trans. Date	Code	Shares	Price	Total Value
2026-05-18	Garg Vishal	Director, Officer (Chief Executive Officer), 10% Owner	2026-05-18	P	3,333	$24.71	$82,358
2026-05-18	Garg Vishal	Director, Officer (Chief Executive Officer), 10% Owner	2026-05-18	P	3,900	$24.74	$96,486
2026-05-18	Garg Vishal	Director, Officer (Chief Executive Officer), 10% Owner	2026-05-18	P	600	$24.97	$14,982
2026-05-18	Garg Vishal	Director, Officer (Chief Executive Officer), 10% Owner	2026-05-18	P	1,257	$24.99	$31,412
2026-05-18	Garg Vishal	Director, Officer (Chief Executive Officer), 10% Owner	2026-05-18	P	6,510	$25.00	$162,750
2026-05-13	Advani Loveen	Officer (Chief Financial Officer)	2026-05-12	P	400	$30.55	$12,220
2026-05-13	Advani Loveen	Officer (Chief Financial Officer)	2026-05-11	P	100	$31.25	$3,125
2026-05-11	Talwar Harit	Director	2026-05-08	P	3,000	$30.43	$91,290
2026-05-08	Smith Chad M.	Officer (Pres & COO, Better Mortgage)	2026-05-08	S	(1,366)	$29.81	-$40,726
2026-05-08	Smith Chad M.	Officer (Pres & COO, Better Mortgage)	2026-05-08	S	(971)	$30.51	-$29,625
2026-05-08	Smith Chad M.	Officer (Pres & COO, Better Mortgage)	2026-05-08	S	(118)	$31.38	-$3,703
2026-05-08	Smith Chad M.	Officer (Pres & COO, Better Mortgage)	2026-05-06	M	5,000	—	$0
2026-05-08	Smith Chad M.	Officer (Pres & COO, Better Mortgage)	2026-05-06	F	(2,545)	$42.69	-$108,646
2026-05-08	Smith Chad M.	Officer (Pres & COO, Better Mortgage)	2026-05-05	M	(5,000)	—	$-0
2026-05-07	Garg Vishal	Director, Officer (Chief Executive Officer), 10% Owner	2026-05-07	P	100	$29.95	$2,995
2026-05-07	Garg Vishal	Director, Officer (Chief Executive Officer), 10% Owner	2026-05-07	P	6,483	$30.00	$194,490
2026-04-10	Framework Ventures IV L.P.	10% Owner	2026-04-10	P	54,384	$32.96	$1,792,497
2026-04-09	Talwar Harit	Director	2026-04-09	P	5,000	$32.89	$164,432
2026-04-08	Garg Vishal	Director, Officer (Chief Executive Officer), 10% Owner	2026-04-08	P	10,000	$35.05	$350,519
2026-04-08	Orn Jonsson Sigurgeir	Officer (Chief Technology Officer)	2026-04-08	P	21	$36.05	$757
2026-04-08	Orn Jonsson Sigurgeir	Officer (Chief Technology Officer)	2026-04-08	P	979	$36.09	$35,332
2026-04-08	Advani Loveen	Officer (Chief Financial Officer)	2026-04-08	P	10	$35.50	$355
2026-04-08	MENON BHASKAR	Director	2026-04-08	P	590	$34.13	$20,140
2026-04-08	Talwar Harit	Director	2026-04-08	P	1,000	$33.34	$33,340
2026-04-06	Orn Jonsson Sigurgeir	Officer (Chief Technology Officer)	2026-04-02	F	(1,409)	$32.90	-$46,356
2026-04-06	Talwar Harit	Director	2026-04-02	P	5,000	$35.24	$176,218
2026-03-31	FRATER HUGH R	Director	2026-03-31	A	1,176	—	$0
2026-03-25	Garg Vishal	Director, Officer (Chief Executive Officer), 10% Owner	2026-03-25	P	2,217	$29.90	$66,298
2026-03-24	Garg Vishal	Director, Officer (Chief Executive Officer), 10% Owner	2026-03-24	P	6,701	$28.37	$190,136
2026-03-24	Garg Vishal	Director, Officer (Chief Executive Officer), 10% Owner	2026-03-24	P	999	$29.08	$29,055
2026-03-24	Garg Vishal	Director, Officer (Chief Executive Officer), 10% Owner	2026-03-24	P	2,900	$30.06	$87,175
2026-03-24	Garg Vishal	Director, Officer (Chief Executive Officer), 10% Owner	2026-03-23	P	750	$28.50	$21,375
2026-03-24	Garg Vishal	Director, Officer (Chief Executive Officer), 10% Owner	2026-03-23	P	9,850	$29.56	$291,191
2026-03-23	Framework Ventures IV L.P.	10% Owner	2026-03-23	P	40,000	$29.60	$1,184,000
2026-03-19	Framework Ventures IV L.P.	10% Owner	2026-03-19	P	53,000	$28.48	$1,509,440
2026-03-17	Smith Chad M.	Officer (Pres & COO, Better Mortgage)	2026-03-17	S	(2,374)	$28.51	-$67,690
2026-03-17	Tuffin Paula	Officer (General Counsel and CCO)	2026-03-16	F	(1,620)	$34.45	-$55,809
2026-03-17	Smith Chad M.	Officer (Pres & COO, Better Mortgage)	2026-03-16	S	(2,567)	$29.80	-$76,503
2026-03-17	Smith Chad M.	Officer (Pres & COO, Better Mortgage)	2026-03-16	F	(2,460)	$34.45	-$84,747
2026-03-17	Garg Vishal	Director, Officer (Chief Executive Officer), 10% Owner	2026-03-15	M	3,167	—	$0
2026-03-17	Garg Vishal	Director, Officer (Chief Executive Officer), 10% Owner	2026-03-15	F	(1,752)	$34.45	-$60,356
2026-03-17	Garg Vishal	Director, Officer (Chief Executive Officer), 10% Owner	2026-03-15	M	(3,167)	—	$-0
2026-03-17	Tuffin Paula	Officer (General Counsel and CCO)	2026-03-15	M	3,167	—	$0
2026-03-17	Tuffin Paula	Officer (General Counsel and CCO)	2026-03-15	M	(3,167)	—	$-0
2026-03-17	Smith Chad M.	Officer (Pres & COO, Better Mortgage)	2026-03-15	M	4,834	—	$0
2026-03-17	Smith Chad M.	Officer (Pres & COO, Better Mortgage)	2026-03-15	M	(4,834)	—	$-0
2026-03-17	Garg Vishal	Director, Officer (Chief Executive Officer), 10% Owner	2026-03-13	F	(1,319)	$32.90	-$43,395
2026-03-17	Tuffin Paula	Officer (General Counsel and CCO)	2026-03-13	F	(1,203)	$32.90	-$39,579
2026-03-17	Smith Chad M.	Officer (Pres & COO, Better Mortgage)	2026-03-13	F	(2,266)	$32.90	-$74,551
2026-03-16	Framework Ventures IV L.P.	10% Owner	2026-03-16	P	25,000	$29.55	$738,750
2026-03-13	Framework Ventures IV L.P.	10% Owner	2026-03-13	P	29,494	$34.12	$1,006,335
2026-03-11	Framework Ventures IV L.P.	10% Owner	2026-03-11	P	21,598	$39.73	$858,089
2026-03-11	Framework Ventures IV L.P.	10% Owner	2026-03-10	X	105,656	$27.00	$2,852,712
2026-03-11	Framework Ventures IV L.P.	10% Owner	2026-03-10	X	105,656	$27.25	$2,879,126
2026-03-11	Framework Ventures IV L.P.	10% Owner	2026-03-10	X	(105,656)	—	$-0
2026-03-11	Framework Ventures IV L.P.	10% Owner	2026-03-10	X	(105,656)	—	$-0
2026-03-11	Framework Ventures IV L.P.	10% Owner	2026-03-09	P	10,000	$35.46	$354,600
2026-03-03	Nicholas J. Calamari	Officer (CAO and Senior Counsel)	2026-03-01	M	3,167	—	$0
2026-03-03	Nicholas J. Calamari	Officer (CAO and Senior Counsel)	2026-03-01	M	(3,167)	—	$-0
2026-03-03	Garg Vishal	Director, Officer (Chief Executive Officer), 10% Owner	2026-03-01	M	3,167	—	$0
2026-03-03	Garg Vishal	Director, Officer (Chief Executive Officer), 10% Owner	2026-03-01	M	(3,167)	—	$-0
2026-03-03	Tuffin Paula	Officer (General Counsel and CCO)	2026-03-01	M	3,167	—	$0
2026-03-03	Tuffin Paula	Officer (General Counsel and CCO)	2026-03-01	M	(3,167)	—	$-0
2026-03-03	Smith Chad M.	Officer (Pres & COO, Better Mortgage)	2026-03-01	M	4,833	—	$0
2026-03-03	Smith Chad M.	Officer (Pres & COO, Better Mortgage)	2026-03-01	M	(4,833)	—	$-0
2026-02-18	Garg Vishal	Director, Officer (Chief Executive Officer), 10% Owner	2026-02-17	F	(9,020)	$29.11	-$262,572
2026-02-18	Tuffin Paula	Officer (General Counsel and CCO)	2026-02-17	F	(8,091)	$29.11	-$235,529
2026-02-18	Nicholas J. Calamari	Officer (CAO and Senior Counsel)	2026-02-17	F	(9,020)	$29.11	-$262,572
2026-02-18	Smith Chad M.	Officer (Pres & COO, Better Mortgage)	2026-02-17	F	(6,995)	$29.11	-$203,624
2026-02-18	Smith Chad M.	Officer (Pres & COO, Better Mortgage)	2026-02-17	S	(5,004)	$30.01	-$150,181
2026-02-18	Smith Chad M.	Officer (Pres & COO, Better Mortgage)	2026-02-17	S	(996)	$30.39	-$30,267
2026-02-13	Tuffin Paula	Officer (General Counsel and CCO)	2026-02-12	S	(4,987)	$28.46	-$141,907
2026-02-13	Tuffin Paula	Officer (General Counsel and CCO)	2026-02-12	S	(3,031)	$29.02	-$87,973
2026-02-13	Smith Chad M.	Officer (Pres & COO, Better Mortgage)	2026-02-11	A	14,921	$14,921.00	$222,636,241
2026-02-13	Advani Loveen	Officer (Chief Financial Officer)	2026-02-11	A	110,000	—	$0
2026-02-13	Advani Loveen	Officer (Chief Financial Officer)	2026-02-11	A	50,000	—	$0
2026-02-13	FEIERSTEIN BARRY	Officer (Chief Operating Officer)	2026-02-11	A	37,500	—	$0
2026-02-13	Nicholas J. Calamari	Officer (CAO and Senior Counsel)	2026-02-11	A	22,381	—	$0
2026-02-13	Garg Vishal	Director, Officer (Chief Executive Officer), 10% Owner	2026-02-11	A	22,381	—	$0
2026-02-13	Tuffin Paula	Officer (General Counsel and CCO)	2026-02-11	A	22,381	—	$0
2026-02-10	Smith Chad M.	Officer (Pres & COO, Better Mortgage)	2026-02-10	S	(2,056)	$27.98	-$57,527
2026-02-10	Smith Chad M.	Officer (Pres & COO, Better Mortgage)	2026-02-06	M	5,000	—	$0
2026-02-10	Smith Chad M.	Officer (Pres & COO, Better Mortgage)	2026-02-06	F	(2,944)	$26.68	-$78,546
2026-02-10	Smith Chad M.	Officer (Pres & COO, Better Mortgage)	2026-02-06	M	(5,000)	—	$-0
2026-02-03	Smith Chad M.	Officer (Pres & COO, Better Mortgage)	2026-02-03	S	(3,097)	$27.06	-$83,805
2026-02-03	Garg Vishal	Director, Officer (Chief Executive Officer), 10% Owner	2026-02-01	M	3,166	—	$0
2026-02-03	Garg Vishal	Director, Officer (Chief Executive Officer), 10% Owner	2026-02-01	F	(1,373)	$30.31	-$41,616
2026-02-03	Garg Vishal	Director, Officer (Chief Executive Officer), 10% Owner	2026-02-01	M	(3,166)	—	$-0
2026-02-03	Nicholas J. Calamari	Officer (CAO and Senior Counsel)	2026-02-01	M	3,166	—	$0
2026-02-03	Nicholas J. Calamari	Officer (CAO and Senior Counsel)	2026-02-01	F	(1,373)	$30.31	-$41,616
2026-02-03	Nicholas J. Calamari	Officer (CAO and Senior Counsel)	2026-02-01	M	(3,166)	—	$-0
2026-02-03	Tuffin Paula	Officer (General Counsel and CCO)	2026-02-01	M	3,166	—	$0
2026-02-03	Tuffin Paula	Officer (General Counsel and CCO)	2026-02-01	F	(1,240)	$30.31	-$37,584
2026-02-03	Tuffin Paula	Officer (General Counsel and CCO)	2026-02-01	M	(3,166)	—	$-0
2026-02-03	Smith Chad M.	Officer (Pres & COO, Better Mortgage)	2026-02-01	M	4,833	—	$0
2026-02-03	Smith Chad M.	Officer (Pres & COO, Better Mortgage)	2026-02-01	F	(1,736)	$30.31	-$52,618
2026-02-03	Smith Chad M.	Officer (Pres & COO, Better Mortgage)	2026-02-01	M	(4,833)	—	$-0
2026-02-03	Talwar Harit	Director	2026-02-01	M	(3,094)	—	$-0
2026-02-03	Talwar Harit	Director	2026-02-01	M	3,094	—	$0
2026-02-03	Talwar Harit	Director	2025-11-01	M	(3,094)	—	$-0
2026-02-03	Talwar Harit	Director	2025-11-01	M	3,094	—	$0
2026-01-20	Smith Chad M.	Officer (Pres & COO, Better Mortgage)	2026-01-15	S	(4,880)	$36.50	-$178,131
2026-01-20	Smith Chad M.	Officer (Pres & COO, Better Mortgage)	2026-01-15	S	(1,120)	$37.58	-$42,090
2026-01-14	Tuffin Paula	Officer (General Counsel and CCO)	2026-01-12	S	(7,698)	$38.52	-$296,559
2026-01-14	Tuffin Paula	Officer (General Counsel and CCO)	2026-01-12	S	(302)	$39.16	-$11,825
2026-01-08	Smith Chad M.	Officer (Pres & COO, Better Mortgage)	2026-01-06	S	(2,843)	$35.15	-$99,918
2026-01-05	Smith Chad M.	Officer (Pres & COO, Better Mortgage)	2026-01-01	M	4,834	—	$0
2026-01-05	Smith Chad M.	Officer (Pres & COO, Better Mortgage)	2026-01-01	F	(1,991)	$32.58	-$64,867
2026-01-05	Smith Chad M.	Officer (Pres & COO, Better Mortgage)	2026-01-01	M	(4,834)	—	$-0
2026-01-05	Tuffin Paula	Officer (General Counsel and CCO)	2026-01-01	M	3,167	—	$0
2026-01-05	Tuffin Paula	Officer (General Counsel and CCO)	2026-01-01	F	(1,313)	$32.58	-$42,778
2026-01-05	Tuffin Paula	Officer (General Counsel and CCO)	2026-01-01	M	(3,167)	—	$-0
2026-01-05	Nicholas J. Calamari	Officer (CAO and Senior Counsel)	2026-01-01	M	3,167	—	$0
2026-01-05	Nicholas J. Calamari	Officer (CAO and Senior Counsel)	2026-01-01	F	(1,445)	$32.58	-$47,078
2026-01-05	Nicholas J. Calamari	Officer (CAO and Senior Counsel)	2026-01-01	M	(3,167)	—	$-0
2026-01-05	Garg Vishal	Director, Officer (Chief Executive Officer), 10% Owner	2026-01-01	M	3,167	—	$0
2026-01-05	Garg Vishal	Director, Officer (Chief Executive Officer), 10% Owner	2026-01-01	F	(1,445)	$32.58	-$47,078
2026-01-05	Garg Vishal	Director, Officer (Chief Executive Officer), 10% Owner	2026-01-01	M	(3,167)	—	$-0
2026-01-02	MENON BHASKAR	Director	2025-12-30	P	1,500	$33.94	$50,910
2025-12-15	Smith Chad M.	Officer (Pres & COO, Better Mortgage)	2025-12-15	S	(5,390)	$40.34	-$217,408
2025-12-15	Smith Chad M.	Officer (Pres & COO, Better Mortgage)	2025-12-15	S	(610)	$41.75	-$25,469
2025-12-15	Smith Chad M.	Officer (Pres & COO, Better Mortgage)	2025-12-12	S	(2,378)	$47.67	-$113,359
2025-12-15	Tuffin Paula	Officer (General Counsel and CCO)	2025-12-11	S	(5,300)	$46.00	-$243,816
2025-12-15	Tuffin Paula	Officer (General Counsel and CCO)	2025-12-11	S	(1,888)	$47.38	-$89,449
2025-12-15	Tuffin Paula	Officer (General Counsel and CCO)	2025-12-11	S	(712)	$48.22	-$34,335
2025-12-15	Tuffin Paula	Officer (General Counsel and CCO)	2025-12-11	S	(100)	$49.10	-$4,910
2025-12-03	Nicholas J. Calamari	Officer (CAO and Senior Counsel)	2025-12-01	M	3,167	—	$0
2025-12-03	Nicholas J. Calamari	Officer (CAO and Senior Counsel)	2025-12-01	F	(1,752)	$45.12	-$79,050
2025-12-03	Nicholas J. Calamari	Officer (CAO and Senior Counsel)	2025-12-01	M	(3,167)	—	$-0
2025-12-03	Garg Vishal	Director, Officer (Chief Executive Officer), 10% Owner	2025-12-01	M	3,167	—	$0
2025-12-03	Garg Vishal	Director, Officer (Chief Executive Officer), 10% Owner	2025-12-01	F	(1,752)	$45.12	-$79,050
2025-12-03	Garg Vishal	Director, Officer (Chief Executive Officer), 10% Owner	2025-12-01	M	(3,167)	—	$-0
2025-12-03	Tuffin Paula	Officer (General Counsel and CCO)	2025-12-01	M	3,167	—	$0
2025-12-03	Tuffin Paula	Officer (General Counsel and CCO)	2025-12-01	F	(1,620)	$45.12	-$73,094
2025-12-03	Tuffin Paula	Officer (General Counsel and CCO)	2025-12-01	M	(3,167)	—	$-0
2025-12-03	Smith Chad M.	Officer (Pres & COO, Better Mortgage)	2025-12-01	M	4,833	—	$0
2025-12-03	Smith Chad M.	Officer (Pres & COO, Better Mortgage)	2025-12-01	F	(2,455)	$45.12	-$110,770
2025-12-03	Smith Chad M.	Officer (Pres & COO, Better Mortgage)	2025-12-01	M	(4,833)	—	$-0
2025-11-10	Smith Chad M.	Officer (Pres & COO, Better Mortgage)	2025-11-06	M	5,000	—	$0
2025-11-10	Smith Chad M.	Officer (Pres & COO, Better Mortgage)	2025-11-06	F	(2,539)	$60.58	-$153,813
2025-11-10	Smith Chad M.	Officer (Pres & COO, Better Mortgage)	2025-11-06	M	(5,000)	—	$-0
2025-11-04	Tuffin Paula	Officer (General Counsel and CCO)	2025-11-03	A	25,000	—	$0
2025-11-04	Tuffin Paula	Officer (General Counsel and CCO)	2025-11-03	A	25,000	—	$0
2025-11-04	Garg Vishal	Director, Officer (Chief Executive Officer), 10% Owner	2025-11-03	A	143,750	—	$0
2025-11-04	Garg Vishal	Director, Officer (Chief Executive Officer), 10% Owner	2025-11-03	A	143,750	—	$0
2025-11-04	Smith Chad M.	Officer (Pres & COO, Better Mortgage)	2025-11-03	A	15,000	—	$0
2025-11-04	Smith Chad M.	Officer (Pres & COO, Better Mortgage)	2025-11-03	A	15,000	—	$0
2025-11-04	Narasimhan Prabhu	Director	2025-11-03	A	25,000	—	$0
2025-11-04	Narasimhan Prabhu	Director	2025-11-03	A	25,000	—	$0
2025-11-04	Talwar Harit	Director	2025-11-03	A	25,000	—	$0
2025-11-04	Talwar Harit	Director	2025-11-03	A	25,000	—	$0
2025-11-04	RYAN KEVIN J	Officer (Chief Financial Officer)	2025-11-01	M	4,833	—	$0
2025-11-04	RYAN KEVIN J	Officer (Chief Financial Officer)	2025-11-01	F	(1,902)	$73.21	-$139,245
2025-11-04	RYAN KEVIN J	Officer (Chief Financial Officer)	2025-11-01	M	(4,833)	—	$-0
2025-11-04	Nicholas J. Calamari	Officer (CAO and Senior Counsel)	2025-11-01	M	3,166	—	$0
2025-11-04	Nicholas J. Calamari	Officer (CAO and Senior Counsel)	2025-11-01	F	(1,563)	$73.21	-$114,427
2025-11-04	Nicholas J. Calamari	Officer (CAO and Senior Counsel)	2025-11-01	M	(3,166)	—	$-0
2025-11-04	Tuffin Paula	Officer (General Counsel and CCO)	2025-11-01	M	3,166	—	$0
2025-11-04	Tuffin Paula	Officer (General Counsel and CCO)	2025-11-01	F	(1,512)	$73.21	-$110,694
2025-11-04	Tuffin Paula	Officer (General Counsel and CCO)	2025-11-01	M	(3,166)	—	$-0
2025-11-04	Garg Vishal	Director, Officer (Chief Executive Officer), 10% Owner	2025-11-01	M	3,166	—	$0
2025-11-04	Garg Vishal	Director, Officer (Chief Executive Officer), 10% Owner	2025-11-01	F	(1,751)	$73.21	-$128,191
2025-11-04	Garg Vishal	Director, Officer (Chief Executive Officer), 10% Owner	2025-11-01	M	(3,166)	—	$-0
2025-11-04	Smith Chad M.	Officer (Pres & COO, Better Mortgage)	2025-11-01	M	4,833	—	$0
2025-11-04	Smith Chad M.	Officer (Pres & COO, Better Mortgage)	2025-11-01	F	(2,455)	$73.21	-$179,731
2025-11-04	Smith Chad M.	Officer (Pres & COO, Better Mortgage)	2025-11-01	M	(4,833)	—	$-0
2025-10-29	Barse David Michael	Director	2025-10-27	A	272	—	$0
2025-10-29	MENON BHASKAR	Director	2025-10-27	A	666	—	$0
2025-10-08	Nicholas J. Calamari	Officer (CAO and Senior Counsel)	2025-10-06	C	2,445	—	$0
2025-10-08	Nicholas J. Calamari	Officer (CAO and Senior Counsel)	2025-10-06	C	2,445	—	$0
2025-10-08	Nicholas J. Calamari	Officer (CAO and Senior Counsel)	2025-10-06	C	12,528	—	$0
2025-10-08	Nicholas J. Calamari	Officer (CAO and Senior Counsel)	2025-10-06	S	(666)	$57.58	-$38,352
2025-10-08	Nicholas J. Calamari	Officer (CAO and Senior Counsel)	2025-10-06	S	(323)	$57.83	-$18,678
2025-10-08	Nicholas J. Calamari	Officer (CAO and Senior Counsel)	2025-10-06	S	(757)	$59.99	-$45,412
2025-10-08	Nicholas J. Calamari	Officer (CAO and Senior Counsel)	2025-10-06	S	(469)	$60.69	-$28,463
2025-10-08	Nicholas J. Calamari	Officer (CAO and Senior Counsel)	2025-10-06	S	(230)	$61.04	-$14,039
2025-10-08	Nicholas J. Calamari	Officer (CAO and Senior Counsel)	2025-10-06	S	(666)	$57.58	-$38,352
2025-10-08	Nicholas J. Calamari	Officer (CAO and Senior Counsel)	2025-10-06	S	(323)	$57.83	-$18,678
2025-10-08	Nicholas J. Calamari	Officer (CAO and Senior Counsel)	2025-10-06	S	(757)	$59.99	-$45,412
2025-10-08	Nicholas J. Calamari	Officer (CAO and Senior Counsel)	2025-10-06	S	(469)	$60.69	-$28,463
2025-10-08	Nicholas J. Calamari	Officer (CAO and Senior Counsel)	2025-10-06	S	(230)	$61.04	-$14,039
2025-10-08	Nicholas J. Calamari	Officer (CAO and Senior Counsel)	2025-10-06	S	(3,411)	$57.58	-$196,422
2025-10-08	Nicholas J. Calamari	Officer (CAO and Senior Counsel)	2025-10-06	S	(1,654)	$57.83	-$95,646
2025-10-08	Nicholas J. Calamari	Officer (CAO and Senior Counsel)	2025-10-06	S	(3,881)	$59.99	-$232,819
2025-10-08	Nicholas J. Calamari	Officer (CAO and Senior Counsel)	2025-10-06	S	(2,405)	$60.69	-$145,955
2025-10-08	Nicholas J. Calamari	Officer (CAO and Senior Counsel)	2025-10-06	S	(1,177)	$61.04	-$71,844
2025-10-08	Nicholas J. Calamari	Officer (CAO and Senior Counsel)	2025-10-06	C	(2,445)	—	$-0
2025-10-08	Nicholas J. Calamari	Officer (CAO and Senior Counsel)	2025-10-06	C	(2,445)	—	$-0
2025-10-08	Nicholas J. Calamari	Officer (CAO and Senior Counsel)	2025-10-06	C	(12,528)	—	$-0
2025-10-03	Smith Chad M.	Officer (Pres & COO, Better Mortgage)	2025-10-01	M	4,834	—	$0
2025-10-03	Smith Chad M.	Officer (Pres & COO, Better Mortgage)	2025-10-01	F	(2,455)	$56.83	-$139,518
2025-10-03	Smith Chad M.	Officer (Pres & COO, Better Mortgage)	2025-10-01	M	(4,834)	—	$-0
2025-10-03	Nicholas J. Calamari	Officer (CAO and Senior Counsel)	2025-10-01	M	3,167	—	$0
2025-10-03	Nicholas J. Calamari	Officer (CAO and Senior Counsel)	2025-10-01	F	(1,277)	$56.83	-$72,572
2025-10-03	Nicholas J. Calamari	Officer (CAO and Senior Counsel)	2025-10-01	M	(3,167)	—	$-0
2025-10-03	RYAN KEVIN J	Officer (Chief Financial Officer)	2025-10-01	M	4,834	—	$0
2025-10-03	RYAN KEVIN J	Officer (Chief Financial Officer)	2025-10-01	F	(1,903)	$56.83	-$108,147
2025-10-03	RYAN KEVIN J	Officer (Chief Financial Officer)	2025-10-01	M	(4,834)	—	$-0
2025-10-03	Tuffin Paula	Officer (General Counsel and CCO)	2025-10-01	M	3,167	—	$0
2025-10-03	Tuffin Paula	Officer (General Counsel and CCO)	2025-10-01	F	(1,145)	$56.83	-$65,070
2025-10-03	Tuffin Paula	Officer (General Counsel and CCO)	2025-10-01	M	(3,167)	—	$-0
2025-10-03	Garg Vishal	Director, Officer (Chief Executive Officer), 10% Owner	2025-10-01	M	3,167	—	$0
2025-10-03	Garg Vishal	Director, Officer (Chief Executive Officer), 10% Owner	2025-10-01	F	(1,752)	$56.83	-$99,566
2025-10-03	Garg Vishal	Director, Officer (Chief Executive Officer), 10% Owner	2025-10-01	M	(3,167)	—	$-0
2025-09-24	PBRA, LLC	10% Owner	2025-09-22	S	(453,511)	$47.00	-$21,315,017
2025-09-24	PBRA, LLC	10% Owner	2025-09-22	S	(166,900)	$50.15	-$8,369,618
2025-09-24	PBRA, LLC	10% Owner	2025-09-22	S	(72,809)	$51.60	-$3,757,134
2025-09-24	PBRA, LLC	10% Owner	2025-09-22	S	(81,981)	$52.36	-$4,292,820
2025-09-24	PBRA, LLC	10% Owner	2025-09-22	S	(36,195)	$53.23	-$1,926,776
2025-09-24	PBRA, LLC	10% Owner	2025-09-22	S	(44,884)	$54.58	-$2,449,621
2025-09-24	PBRA, LLC	10% Owner	2025-09-22	S	(62,188)	$55.33	-$3,440,632
2025-09-24	PBRA, LLC	10% Owner	2025-09-22	S	(11,547)	$56.22	-$649,148
2025-09-24	PBRA, LLC	10% Owner	2025-09-22	S	(41,214)	$57.43	-$2,366,891
2025-09-24	PBRA, LLC	10% Owner	2025-09-22	S	(3,452)	$58.15	-$200,740
2025-09-24	PBRA, LLC	10% Owner	2025-09-22	S	(14,528)	$60.00	-$871,680
2025-09-24	PBRA, LLC	10% Owner	2025-09-22	S	(4,673)	$67.54	-$315,632
2025-09-24	PBRA, LLC	10% Owner	2025-09-22	S	(100)	$68.74	-$6,874
2025-09-24	PBRA, LLC	10% Owner	2025-09-22	S	(1,678)	$75.00	-$125,850
2025-09-16	Barse David Michael	Director	2025-08-29	A	10,117	—	$0
2025-09-15	Tuffin Paula	Officer (General Counsel and CCO)	2025-09-10	C	15,421	—	$0
2025-09-15	Tuffin Paula	Officer (General Counsel and CCO)	2025-09-10	C	(15,421)	—	$-0
2025-09-09	Tuffin Paula	Officer (General Counsel and CCO)	2025-09-05	C	7,935	—	$0
2025-09-09	Tuffin Paula	Officer (General Counsel and CCO)	2025-09-05	C	(7,935)	—	$-0
2025-09-08	Nicholas J. Calamari	Officer (CAO and Senior Counsel)	2025-09-04	C	2,446	—	$0
2025-09-08	Nicholas J. Calamari	Officer (CAO and Senior Counsel)	2025-09-04	C	2,446	—	$0
2025-09-08	Nicholas J. Calamari	Officer (CAO and Senior Counsel)	2025-09-04	C	12,527	—	$0
2025-09-08	Nicholas J. Calamari	Officer (CAO and Senior Counsel)	2025-09-04	S	(2,420)	$21.86	-$52,891
2025-09-08	Nicholas J. Calamari	Officer (CAO and Senior Counsel)	2025-09-04	S	(26)	$22.68	-$590
2025-09-08	Nicholas J. Calamari	Officer (CAO and Senior Counsel)	2025-09-04	S	(2,420)	$21.86	-$52,891
2025-09-08	Nicholas J. Calamari	Officer (CAO and Senior Counsel)	2025-09-04	S	(26)	$22.68	-$590
2025-09-08	Nicholas J. Calamari	Officer (CAO and Senior Counsel)	2025-09-04	S	(12,394)	$21.86	-$270,880
2025-09-08	Nicholas J. Calamari	Officer (CAO and Senior Counsel)	2025-09-04	S	(133)	$22.68	-$3,016
2025-09-08	Nicholas J. Calamari	Officer (CAO and Senior Counsel)	2025-09-04	C	(2,446)	—	$-0
2025-09-08	Nicholas J. Calamari	Officer (CAO and Senior Counsel)	2025-09-04	C	(2,446)	—	$-0
2025-09-08	Nicholas J. Calamari	Officer (CAO and Senior Counsel)	2025-09-04	C	(12,527)	—	$-0
2025-09-03	RYAN KEVIN J	Officer (Chief Financial Officer)	2025-09-01	M	4,833	—	$0
2025-09-03	RYAN KEVIN J	Officer (Chief Financial Officer)	2025-09-01	F	(1,902)	$22.63	-$43,042
2025-09-03	RYAN KEVIN J	Officer (Chief Financial Officer)	2025-09-01	M	(286)	—	$-0
2025-09-03	RYAN KEVIN J	Officer (Chief Financial Officer)	2025-09-01	M	286	—	$0
2025-09-03	RYAN KEVIN J	Officer (Chief Financial Officer)	2025-09-01	F	(113)	$22.63	-$2,557
2025-09-03	RYAN KEVIN J	Officer (Chief Financial Officer)	2025-09-01	M	(4,833)	—	$-0
2025-09-03	Smith Chad M.	Officer (Pres & COO, Better Mortgage)	2025-09-01	M	4,833	—	$0
2025-09-03	Smith Chad M.	Officer (Pres & COO, Better Mortgage)	2025-09-01	F	(2,455)	$22.63	-$55,557
2025-09-03	Smith Chad M.	Officer (Pres & COO, Better Mortgage)	2025-09-01	M	(4,833)	—	$-0
2025-09-03	Garg Vishal	Director, Officer (Chief Executive Officer), 10% Owner	2025-09-01	M	3,167	—	$0
2025-09-03	Garg Vishal	Director, Officer (Chief Executive Officer), 10% Owner	2025-09-01	F	(1,752)	$22.63	-$39,648
2025-09-03	Garg Vishal	Director, Officer (Chief Executive Officer), 10% Owner	2025-09-01	M	(3,167)	—	$-0
2025-09-03	Nicholas J. Calamari	Officer (CAO and Senior Counsel)	2025-09-01	M	3,167	—	$0
2025-09-03	Nicholas J. Calamari	Officer (CAO and Senior Counsel)	2025-09-01	F	(1,277)	$22.63	-$28,899
2025-09-03	Nicholas J. Calamari	Officer (CAO and Senior Counsel)	2025-09-01	M	(3,167)	—	$-0
2025-09-03	Tuffin Paula	Officer (General Counsel and CCO)	2025-09-01	M	3,167	—	$0
2025-09-03	Tuffin Paula	Officer (General Counsel and CCO)	2025-09-01	F	(1,145)	$22.63	-$25,911
2025-09-03	Tuffin Paula	Officer (General Counsel and CCO)	2025-09-01	M	(3,167)	—	$-0
2025-09-02	Narasimhan Prabhu	Director	2025-08-29	A	11,327	—	$0
2025-09-02	Massenet Arnaud	Director	2025-08-29	A	11,327	—	$0
2025-09-02	Farello Michael J.	Director	2025-08-29	A	11,327	—	$0
2025-09-02	MENON BHASKAR	Director	2025-08-29	A	11,722	—	$0
2025-08-11	Talwar Harit	Director	2025-08-07	A	25,698	—	$0
2025-08-11	Talwar Harit	Director	2025-08-07	A	20,191	—	$0
2025-08-11	Talwar Harit	Director	2025-08-01	M	(3,094)	—	$-0
2025-08-11	Talwar Harit	Director	2025-08-01	M	3,094	—	$0
2025-08-11	Talwar Harit	Director	2025-05-01	M	(3,094)	—	$-0
2025-08-11	Talwar Harit	Director	2025-05-01	M	3,094	—	$0
2025-08-11	Talwar Harit	Director	2025-02-01	M	(3,094)	—	$-0
2025-08-11	Talwar Harit	Director	2025-02-01	M	3,094	—	$0
2025-08-08	Smith Chad M.	Officer (Pres & COO, Better Mortgage)	2025-08-06	M	5,000	—	$0
2025-08-08	Smith Chad M.	Officer (Pres & COO, Better Mortgage)	2025-08-06	F	(2,539)	$14.56	-$36,968
2025-08-08	Smith Chad M.	Officer (Pres & COO, Better Mortgage)	2025-08-06	M	(5,000)	—	$-0
2025-08-05	RYAN KEVIN J	Officer (Chief Financial Officer)	2025-08-01	M	4,833	—	$0
2025-08-05	RYAN KEVIN J	Officer (Chief Financial Officer)	2025-08-01	F	(1,902)	$13.35	-$25,392
2025-08-05	RYAN KEVIN J	Officer (Chief Financial Officer)	2025-08-01	M	(4,833)	—	$-0
2025-08-05	Smith Chad M.	Officer (Pres & COO, Better Mortgage)	2025-08-01	M	4,833	—	$0
2025-08-05	Smith Chad M.	Officer (Pres & COO, Better Mortgage)	2025-08-01	F	(2,455)	$13.35	-$32,774
2025-08-05	Smith Chad M.	Officer (Pres & COO, Better Mortgage)	2025-08-01	M	(4,833)	—	$-0
2025-08-05	Garg Vishal	Director, Officer (Chief Executive Officer), 10% Owner	2025-08-01	M	3,166	—	$0
2025-08-05	Garg Vishal	Director, Officer (Chief Executive Officer), 10% Owner	2025-08-01	F	(1,751)	$13.35	-$23,376
2025-08-05	Garg Vishal	Director, Officer (Chief Executive Officer), 10% Owner	2025-08-01	M	(3,166)	—	$-0
2025-08-05	Nicholas J. Calamari	Officer (CAO and Senior Counsel)	2025-08-01	M	3,166	—	$0
2025-08-05	Nicholas J. Calamari	Officer (CAO and Senior Counsel)	2025-08-01	F	(1,276)	$13.35	-$17,035
2025-08-05	Nicholas J. Calamari	Officer (CAO and Senior Counsel)	2025-08-01	M	(3,166)	—	$-0
2025-08-05	Nicholas J. Calamari	Officer (CAO and Senior Counsel)	2025-08-01	M	638	—	$0
2025-08-05	Nicholas J. Calamari	Officer (CAO and Senior Counsel)	2025-08-01	F	(258)	$13.35	-$3,444
2025-08-05	Nicholas J. Calamari	Officer (CAO and Senior Counsel)	2025-08-01	M	(638)	—	$-0
2025-08-05	Tuffin Paula	Officer (General Counsel and CCO)	2025-08-01	M	3,166	—	$0
2025-08-05	Tuffin Paula	Officer (General Counsel and CCO)	2025-08-01	F	(1,145)	$13.35	-$15,286
2025-08-05	Tuffin Paula	Officer (General Counsel and CCO)	2025-08-01	M	(3,166)	—	$-0
2025-08-05	Tuffin Paula	Officer (General Counsel and CCO)	2025-08-01	M	638	—	$0
2025-08-05	Tuffin Paula	Officer (General Counsel and CCO)	2025-08-01	F	(193)	$13.35	-$2,577
2025-08-05	Tuffin Paula	Officer (General Counsel and CCO)	2025-08-01	M	(638)	—	$-0
2025-08-05	RYAN KEVIN J	Officer (Chief Financial Officer)	2025-07-01	M	14,500	—	$0
2025-08-05	RYAN KEVIN J	Officer (Chief Financial Officer)	2025-07-01	F	(5,706)	$12.48	-$71,211
2025-08-05	RYAN KEVIN J	Officer (Chief Financial Officer)	2025-07-01	M	(14,500)	—	$-0
2025-08-05	Smith Chad M.	Officer (Pres & COO, Better Mortgage)	2025-07-01	M	14,500	—	$0
2025-08-05	Smith Chad M.	Officer (Pres & COO, Better Mortgage)	2025-07-01	F	(5,189)	$12.48	-$64,759
2025-08-05	Smith Chad M.	Officer (Pres & COO, Better Mortgage)	2025-07-01	M	(14,500)	—	$-0
2025-08-05	Garg Vishal	Director, Officer (Chief Executive Officer), 10% Owner	2025-07-01	M	9,500	—	$0
2025-08-05	Garg Vishal	Director, Officer (Chief Executive Officer), 10% Owner	2025-07-01	F	(5,254)	$12.48	-$65,570
2025-08-05	Garg Vishal	Director, Officer (Chief Executive Officer), 10% Owner	2025-07-01	M	(9,500)	—	$-0
2025-08-05	Nicholas J. Calamari	Officer (CAO and Senior Counsel)	2025-07-01	M	9,500	—	$0
2025-08-05	Nicholas J. Calamari	Officer (CAO and Senior Counsel)	2025-07-01	F	(3,829)	$12.48	-$47,786
2025-08-05	Nicholas J. Calamari	Officer (CAO and Senior Counsel)	2025-07-01	M	(9,500)	—	$-0
2025-08-05	Nicholas J. Calamari	Officer (CAO and Senior Counsel)	2025-07-01	M	636	—	$0
2025-08-05	Nicholas J. Calamari	Officer (CAO and Senior Counsel)	2025-07-01	F	(257)	$12.48	-$3,207
2025-08-05	Nicholas J. Calamari	Officer (CAO and Senior Counsel)	2025-07-01	M	(636)	—	$-0
2025-08-05	Tuffin Paula	Officer (General Counsel and CCO)	2025-07-01	M	9,500	—	$0
2025-08-05	Tuffin Paula	Officer (General Counsel and CCO)	2025-07-01	F	(3,435)	$12.48	-$42,869
2025-08-05	Tuffin Paula	Officer (General Counsel and CCO)	2025-07-01	M	(9,500)	—	$-0
2025-08-05	Tuffin Paula	Officer (General Counsel and CCO)	2025-07-01	M	636	—	$0
2025-08-05	Tuffin Paula	Officer (General Counsel and CCO)	2025-07-01	F	(192)	$12.48	-$2,396
2025-08-05	Tuffin Paula	Officer (General Counsel and CCO)	2025-07-01	M	(636)	—	$-0
2025-08-05	RYAN KEVIN J	Officer (Chief Financial Officer)	2025-05-28	A	58,000	—	$0
2025-08-05	Smith Chad M.	Officer (Pres & COO, Better Mortgage)	2025-05-28	A	58,000	—	$0
2025-08-05	Garg Vishal	Director, Officer (Chief Executive Officer), 10% Owner	2025-05-28	A	38,000	—	$0
2025-08-05	Nicholas J. Calamari	Officer (CAO and Senior Counsel)	2025-05-28	A	38,000	—	$0
2025-08-05	Tuffin Paula	Officer (General Counsel and CCO)	2025-05-28	A	38,000	—	$0
2025-06-04	Narasimhan Prabhu	Director	2025-06-02	S	(250)	—	$-0
2025-06-02	RYAN KEVIN J	Officer (Chief Financial Officer)	2025-06-01	M	286	—	$0
2025-06-02	RYAN KEVIN J	Officer (Chief Financial Officer)	2025-06-01	F	(113)	$13.45	-$1,520
2025-06-02	RYAN KEVIN J	Officer (Chief Financial Officer)	2025-06-01	M	(286)	—	$-0
2025-06-02	Tuffin Paula	Officer (General Counsel and CCO)	2025-06-01	M	636	—	$0
2025-06-02	Tuffin Paula	Officer (General Counsel and CCO)	2025-06-01	F	(193)	$13.45	-$2,596
2025-06-02	Tuffin Paula	Officer (General Counsel and CCO)	2025-06-01	M	(636)	—	$-0
2025-06-02	Nicholas J. Calamari	Officer (CAO and Senior Counsel)	2025-06-01	M	636	—	$0
2025-06-02	Nicholas J. Calamari	Officer (CAO and Senior Counsel)	2025-06-01	F	(257)	$13.45	-$3,457
2025-06-02	Nicholas J. Calamari	Officer (CAO and Senior Counsel)	2025-06-01	M	(636)	—	$-0
2025-05-20	Narasimhan Prabhu	Director	2025-05-16	P	42,352	$14.10	$597,163
2025-05-05	Tuffin Paula	Officer (General Counsel and CCO)	2025-05-01	M	637	—	$0
2025-05-05	Tuffin Paula	Officer (General Counsel and CCO)	2025-05-01	F	(194)	$14.95	-$2,900
2025-05-05	Tuffin Paula	Officer (General Counsel and CCO)	2025-05-01	M	(637)	—	$-0
2025-05-05	Nicholas J. Calamari	Officer (CAO and Senior Counsel)	2025-05-01	M	637	—	$0
2025-05-05	Nicholas J. Calamari	Officer (CAO and Senior Counsel)	2025-05-01	F	(257)	$14.95	-$3,842
2025-05-05	Nicholas J. Calamari	Officer (CAO and Senior Counsel)	2025-05-01	M	(637)	—	$-0
2025-04-30	SOFTBANK GROUP CORP.	10% Owner	2025-04-28	J	0	—	$-0
2025-04-03	Tuffin Paula	Officer (General Counsel and CCO)	2025-04-01	M	637	—	$0
2025-04-03	Tuffin Paula	Officer (General Counsel and CCO)	2025-04-01	F	(191)	$10.99	-$2,099
2025-04-03	Tuffin Paula	Officer (General Counsel and CCO)	2025-04-01	M	(637)	—	$-0
2025-04-03	Nicholas J. Calamari	Officer (CAO and Senior Counsel)	2025-04-01	M	637	—	$0
2025-04-03	Nicholas J. Calamari	Officer (CAO and Senior Counsel)	2025-04-01	F	(257)	$10.99	-$2,824
2025-04-03	Nicholas J. Calamari	Officer (CAO and Senior Counsel)	2025-04-01	M	(637)	—	$-0
2025-03-07	SOFTBANK GROUP CORP.	10% Owner	2024-12-09	C	628,553	—	$0
2025-03-07	SOFTBANK GROUP CORP.	10% Owner	2024-12-09	C	(628,553)	—	$-0
2025-03-04	Nicholas J. Calamari	Officer (CAO and Senior Counsel)	2025-03-01	M	637	—	$0
2025-03-04	Nicholas J. Calamari	Officer (CAO and Senior Counsel)	2025-03-01	F	(254)	$11.47	-$2,913
2025-03-04	Nicholas J. Calamari	Officer (CAO and Senior Counsel)	2025-03-01	M	(637)	—	$-0
2025-03-04	Tuffin Paula	Officer (General Counsel and CCO)	2025-03-01	M	637	—	$0
2025-03-04	Tuffin Paula	Officer (General Counsel and CCO)	2025-03-01	F	(192)	$11.47	-$2,202
2025-03-04	Tuffin Paula	Officer (General Counsel and CCO)	2025-03-01	M	(637)	—	$-0
2025-03-04	RYAN KEVIN J	Officer (Chief Financial Officer)	2025-03-01	M	287	—	$0
2025-03-04	RYAN KEVIN J	Officer (Chief Financial Officer)	2025-03-01	F	(113)	$11.47	-$1,296
2025-03-04	RYAN KEVIN J	Officer (Chief Financial Officer)	2025-03-01	M	(287)	—	$-0
2025-02-04	Nicholas J. Calamari	Officer (CAO and Senior Counsel)	2025-02-01	M	637	—	$0
2025-02-04	Nicholas J. Calamari	Officer (CAO and Senior Counsel)	2025-02-01	F	(294)	$10.18	-$2,993
2025-02-04	Nicholas J. Calamari	Officer (CAO and Senior Counsel)	2025-02-01	M	(637)	—	$-0
2025-02-04	Tuffin Paula	Officer (General Counsel and CCO)	2025-02-01	M	637	—	$0
2025-02-04	Tuffin Paula	Officer (General Counsel and CCO)	2025-02-01	F	(227)	$10.18	-$2,311
2025-02-04	Tuffin Paula	Officer (General Counsel and CCO)	2025-02-01	M	(637)	—	$-0
2025-01-03	Nicholas J. Calamari	Officer (CAO and Senior Counsel)	2025-01-01	M	636	—	$0
2025-01-03	Nicholas J. Calamari	Officer (CAO and Senior Counsel)	2025-01-01	F	(293)	$8.92	-$2,614
2025-01-03	Nicholas J. Calamari	Officer (CAO and Senior Counsel)	2025-01-01	M	(636)	—	$-0
2025-01-03	Tuffin Paula	Officer (General Counsel and CCO)	2025-01-01	M	636	—	$0
2025-01-03	Tuffin Paula	Officer (General Counsel and CCO)	2025-01-01	F	(228)	$8.92	-$2,034
2025-01-03	Tuffin Paula	Officer (General Counsel and CCO)	2025-01-01	M	(636)	—	$-0
2024-12-17	Bjorgolfsson Thor	10% Owner	2024-12-13	S	(239)	$12.04	-$2,878
2024-12-17	Bjorgolfsson Thor	10% Owner	2024-12-13	S	(50,416)	$11.30	-$569,499
2024-12-17	Bjorgolfsson Thor	10% Owner	2024-12-12	S	(43)	$12.25	-$527
2024-12-12	Bjorgolfsson Thor	10% Owner	2024-12-10	S	(16,684)	$12.54	-$209,267
2024-12-11	Nicholas J. Calamari	Officer (CAO and Senior Counsel)	2024-12-06	S	(1,981)	$12.64	-$25,044
2024-12-09	Bjorgolfsson Thor	10% Owner	2024-12-06	S	(36,381)	$12.50	-$454,799
2024-12-09	Bjorgolfsson Thor	10% Owner	2024-12-05	S	(10)	$13.25	-$132
2024-12-05	Nicholas J. Calamari	Officer (CAO and Senior Counsel)	2024-12-05	S	(2,400)	$12.86	-$30,867
2024-12-05	Nicholas J. Calamari	Officer (CAO and Senior Counsel)	2024-12-04	S	(3,184)	$13.18	-$41,960
2024-12-05	Nicholas J. Calamari	Officer (CAO and Senior Counsel)	2024-12-03	S	(3,523)	$13.39	-$47,177
2024-12-05	Nicholas J. Calamari	Officer (CAO and Senior Counsel)	2024-12-02	S	(2,687)	$14.07	-$37,809
2024-12-05	Nicholas J. Calamari	Officer (CAO and Senior Counsel)	2024-12-02	S	(800)	$14.88	-$11,903
2024-12-05	Nicholas J. Calamari	Officer (CAO and Senior Counsel)	2024-12-01	M	636	—	$0
2024-12-05	Nicholas J. Calamari	Officer (CAO and Senior Counsel)	2024-12-01	F	(257)	$15.77	-$4,053
2024-12-05	Nicholas J. Calamari	Officer (CAO and Senior Counsel)	2024-12-01	M	(636)	—	$-0
2024-12-04	Bjorgolfsson Thor	10% Owner	2024-12-03	S	(898)	$13.75	-$12,348
2024-12-04	Bjorgolfsson Thor	10% Owner	2024-12-02	S	(4,596)	$14.71	-$67,603
2024-12-04	Bjorgolfsson Thor	10% Owner	2024-12-02	S	(8,115)	$13.79	-$111,906
2024-12-03	Nicholas J. Calamari	Officer (CAO and Senior Counsel)	2024-12-02	S	(3,487)	$14.26	-$49,712
2024-12-03	Fischer William E III	Officer (Chief Accounting Officer)	2024-12-01	M	617	—	$0
2024-12-03	Fischer William E III	Officer (Chief Accounting Officer)	2024-12-01	F	(176)	$15.77	-$2,776
2024-12-03	Fischer William E III	Officer (Chief Accounting Officer)	2024-12-01	M	(617)	—	$-0
2024-12-03	Nicholas J. Calamari	Officer (CAO and Senior Counsel)	2024-12-01	M	636	—	$0
2024-12-03	Nicholas J. Calamari	Officer (CAO and Senior Counsel)	2024-12-01	F	(257)	$15.77	-$4,053
2024-12-03	Nicholas J. Calamari	Officer (CAO and Senior Counsel)	2024-12-01	M	(636)	—	$-0
2024-12-03	RYAN KEVIN J	Officer (Chief Financial Officer)	2024-12-01	M	286	—	$0
2024-12-03	RYAN KEVIN J	Officer (Chief Financial Officer)	2024-12-01	F	(113)	$15.77	-$1,782
2024-12-03	RYAN KEVIN J	Officer (Chief Financial Officer)	2024-12-01	M	(286)	—	$-0
2024-12-03	Tuffin Paula	Officer (General Counsel and CCO)	2024-12-01	M	636	—	$0
2024-12-03	Tuffin Paula	Officer (General Counsel and CCO)	2024-12-01	F	(194)	$15.77	-$3,059
2024-12-03	Tuffin Paula	Officer (General Counsel and CCO)	2024-12-01	M	(636)	—	$-0
2024-11-21	Novator Capital Sponsor Ltd.	10% Owner	2024-11-13	S	(45,800)	—	$-0
2024-11-21	Novator Capital Sponsor Ltd.	10% Owner	2024-10-31	S	(650,000)	—	$-0
2024-11-05	Talwar Harit	Director	2024-11-01	M	(3,094)	—	$-0
2024-11-05	Talwar Harit	Director	2024-11-01	M	3,094	—	$0
2024-11-05	Nicholas J. Calamari	Officer (CAO and Senior Counsel)	2024-11-01	M	636	—	$0
2024-11-05	Nicholas J. Calamari	Officer (CAO and Senior Counsel)	2024-11-01	F	(257)	$14.95	-$3,842
2024-11-05	Nicholas J. Calamari	Officer (CAO and Senior Counsel)	2024-11-01	M	(636)	—	$-0
2024-11-05	Tuffin Paula	Officer (General Counsel and CCO)	2024-11-01	M	636	—	$0
2024-11-05	Tuffin Paula	Officer (General Counsel and CCO)	2024-11-01	F	(193)	$14.95	-$2,885
2024-11-05	Tuffin Paula	Officer (General Counsel and CCO)	2024-11-01	M	(636)	—	$-0
2024-10-25	Sarracino Steven	Director, 10% Owner	2024-09-30	P	72,206	—	$0
2024-10-25	Sarracino Steven	Director, 10% Owner	2024-09-30	P	72,206	—	$0
2024-10-25	Bjorgolfsson Thor	10% Owner	2024-08-22	J	20,000	—	$0
2024-10-04	Tuffin Paula	Officer (General Counsel and CCO)	2024-10-02	M	0	—	$-0
2024-10-04	Nicholas J. Calamari	Officer (CAO and Senior Counsel)	2024-10-01	M	636	—	$0
2024-10-04	Nicholas J. Calamari	Officer (CAO and Senior Counsel)	2024-10-01	F	(257)	$18.16	-$4,667
2024-10-04	Nicholas J. Calamari	Officer (CAO and Senior Counsel)	2024-10-01	M	(636)	—	$-0
2024-10-04	Tuffin Paula	Officer (General Counsel and CCO)	2024-10-01	M	636	—	$0
2024-10-04	Tuffin Paula	Officer (General Counsel and CCO)	2024-10-01	F	(195)	$18.16	-$3,541
2024-10-02	Sarracino Steven	Director, 10% Owner	2024-09-30	P	72,206	—	$0
2024-09-11	Garg Vishal	Director, Officer (Chief Executive Officer), 10% Owner	2024-08-29	G	(6,000)	—	$-0
2024-09-06	Valani Riaz	Director, 10% Owner	2024-05-17	C	879,765	—	$0
2024-09-06	Valani Riaz	Director, 10% Owner	2024-05-17	C	(879,765)	—	$-0
2024-09-06	Valani Riaz	Director, 10% Owner	2024-05-15	C	9,130,932	—	$0
2024-09-06	Valani Riaz	Director, 10% Owner	2024-05-15	C	(9,130,932)	—	$-0
2024-09-04	Fischer William E III	Officer (Chief Accounting Officer)	2024-09-01	M	616	—	$0
2024-09-04	Fischer William E III	Officer (Chief Accounting Officer)	2024-09-01	F	(177)	$15.74	-$2,786
2024-09-04	Fischer William E III	Officer (Chief Accounting Officer)	2024-09-01	M	(616)	—	$-0
2024-09-04	RYAN KEVIN J	Officer (Chief Financial Officer)	2024-09-01	M	286	—	$0
2024-09-04	RYAN KEVIN J	Officer (Chief Financial Officer)	2024-09-01	F	(113)	$15.74	-$1,779
2024-09-04	RYAN KEVIN J	Officer (Chief Financial Officer)	2024-09-01	M	(286)	—	$-0
2024-09-04	Nicholas J. Calamari	Officer (CAO and Senior Counsel)	2024-09-01	M	636	—	$0
2024-09-04	Nicholas J. Calamari	Officer (CAO and Senior Counsel)	2024-09-01	F	(257)	$15.74	-$4,045
2024-09-04	Nicholas J. Calamari	Officer (CAO and Senior Counsel)	2024-09-01	M	(636)	—	$-0
2024-09-04	Tuffin Paula	Officer (General Counsel and CCO)	2024-09-01	M	636	—	$0
2024-09-04	Tuffin Paula	Officer (General Counsel and CCO)	2024-09-01	F	(194)	$15.74	-$3,054
2024-09-04	Tuffin Paula	Officer (General Counsel and CCO)	2024-09-01	M	(636)	—	$-0
2024-09-04	Tuffin Paula	Officer (General Counsel and CCO)	2024-09-01	M	636	—	$0
2024-09-04	Tuffin Paula	Officer (General Counsel and CCO)	2024-09-01	F	(194)	$15.74	-$3,054
2024-09-04	Tuffin Paula	Officer (General Counsel and CCO)	2024-09-01	M	(636)	—	$-0
2024-09-03	Valani Riaz	Director	2024-08-30	S	(46,092)	$15.97	-$736,089
2024-09-03	Valani Riaz	Director	2024-08-29	S	(20,496)	$16.12	-$330,396
2024-09-03	Valani Riaz	Director	2024-08-29	S	(1,500)	$16.41	-$24,615
2024-08-02	Tuffin Paula	Officer (General Counsel and CCO)	2024-08-01	M	31,837	—	$0
2024-08-02	Tuffin Paula	Officer (General Counsel and CCO)	2024-08-01	F	(9,809)	$0.48	-$4,717
2024-08-02	Tuffin Paula	Officer (General Counsel and CCO)	2024-08-01	M	(31,837)	—	$-0
2024-08-02	Talwar Harit	Director	2024-08-01	M	(154,738)	—	$-0
2024-08-02	Talwar Harit	Director	2024-08-01	M	154,738	—	$0
2024-08-02	Nicholas J. Calamari	Officer (CAO and Senior Counsel)	2024-08-01	M	31,837	—	$0
2024-08-02	Nicholas J. Calamari	Officer (CAO and Senior Counsel)	2024-08-01	F	(12,834)	$0.48	-$6,172
2024-08-02	Nicholas J. Calamari	Officer (CAO and Senior Counsel)	2024-08-01	M	(31,837)	—	$-0
2024-07-03	Nicholas J. Calamari	Officer (CAO and Senior Counsel)	2024-07-01	M	31,837	—	$0
2024-07-03	Nicholas J. Calamari	Officer (CAO and Senior Counsel)	2024-07-01	F	(12,834)	$0.45	-$5,814
2024-07-03	Nicholas J. Calamari	Officer (CAO and Senior Counsel)	2024-07-01	M	(31,837)	—	$-0
2024-07-03	Tuffin Paula	Officer (General Counsel and CCO)	2024-07-01	M	31,837	—	$0
2024-07-03	Tuffin Paula	Officer (General Counsel and CCO)	2024-07-01	F	(9,932)	$0.45	-$4,499
2024-07-03	Tuffin Paula	Officer (General Counsel and CCO)	2024-07-01	M	(31,837)	—	$-0
2024-06-04	Nicholas J. Calamari	Officer (CAO and Senior Counsel)	2024-06-01	M	31,837	—	$0
2024-06-04	Nicholas J. Calamari	Officer (CAO and Senior Counsel)	2024-06-01	F	(12,835)	$0.33	-$4,236
2024-06-04	Nicholas J. Calamari	Officer (CAO and Senior Counsel)	2024-06-01	M	(31,837)	—	$-0
2024-06-04	RYAN KEVIN J	Officer (Chief Financial Officer)	2024-06-01	M	14,326	—	$0
2024-06-04	RYAN KEVIN J	Officer (Chief Financial Officer)	2024-06-01	F	(5,638)	$0.33	-$1,861
2024-06-04	RYAN KEVIN J	Officer (Chief Financial Officer)	2024-06-01	M	(14,326)	—	$-0
2024-06-04	Fischer William E III	Officer (Chief Accounting Officer)	2024-06-01	M	30,813	—	$0
2024-06-04	Fischer William E III	Officer (Chief Accounting Officer)	2024-06-01	F	(8,814)	$0.33	-$2,909
2024-06-04	Fischer William E III	Officer (Chief Accounting Officer)	2024-06-01	M	(30,813)	—	$-0
2024-06-04	Tuffin Paula	Officer (General Counsel and CCO)	2024-06-01	M	31,837	—	$0
2024-06-04	Tuffin Paula	Officer (General Counsel and CCO)	2024-06-01	F	(11,481)	$0.33	-$3,789
2024-06-04	Tuffin Paula	Officer (General Counsel and CCO)	2024-06-01	M	(31,837)	—	$-0
2024-06-04	Valani Riaz	Director, 10% Owner	2024-05-31	S	(100,000)	$0.33	-$33,040
2024-06-04	Valani Riaz	Director, 10% Owner	2024-05-31	S	(100,000)	$0.33	-$33,240
2024-06-04	Valani Riaz	Director, 10% Owner	2024-05-31	S	(520,422)	$0.34	-$174,445
2024-06-04	Valani Riaz	Director, 10% Owner	2024-03-21	J	(9,130,932)	—	$-0
2024-06-04	Valani Riaz	Director, 10% Owner	2024-03-21	J	9,130,932	—	$0
2024-06-04	Valani Riaz	Director, 10% Owner	2024-03-12	J	(879,765)	—	$-0
2024-06-04	Valani Riaz	Director, 10% Owner	2024-03-12	J	879,765	—	$0
2024-05-31	Valani Riaz	Director	2024-05-30	S	(303,339)	$0.34	-$103,621
2024-05-31	Valani Riaz	Director	2024-05-30	S	(100,000)	$0.34	-$34,480
2024-05-31	Valani Riaz	Director	2024-05-30	S	(100,000)	$0.35	-$34,780
2024-05-31	Valani Riaz	Director	2024-05-30	S	(350,000)	$0.35	-$120,855
2024-05-31	Valani Riaz	Director	2024-05-29	S	(100,000)	$0.33	-$33,070
2024-05-31	Valani Riaz	Director	2024-05-29	S	(301,697)	$0.34	-$103,090
2024-05-31	Valani Riaz	Director	2024-05-29	S	(50,000)	$0.35	-$17,280
2024-05-29	Valani Riaz	Director	2024-05-28	S	(50,000)	$0.34	-$17,125
2024-05-29	Valani Riaz	Director	2024-05-28	S	(100,000)	$0.34	-$34,170
2024-05-29	Valani Riaz	Director	2024-05-28	S	(234,456)	$0.34	-$80,700
2024-05-29	Valani Riaz	Director	2024-05-24	S	(100,000)	$0.33	-$33,220
2024-05-29	Valani Riaz	Director	2024-05-24	S	(50,000)	$0.37	-$18,345
2024-05-29	Valani Riaz	Director	2024-05-24	S	(157,139)	$0.34	-$52,814