Core Thesis - Better Home & Finance Holding Company (BETR) is positioned as a technology-driven homeownership platform aiming to transform the mortgage process, with a share price of $67.01 as of September 24th [1] Company Overview - BETR was formed through the merger of Aurora Acquisition and Better Holdco in August 2023, focusing on automating mortgage processes to enhance efficiency and reduce costs [2] - The company operates a proprietary loan origination platform called Tinman, which facilitates rapid pre-approvals and closings [2][3] Product and Service Innovations - BETR has introduced the "One Day Mortgage" program and Betsy, a voice-based AI assistant, to improve customer experience and operational efficiency [3] - The company has two main segments: Home Finance, which focuses on low credit exposure loans, and Better Plus, which integrates non-mortgage products into customer workflows [3] Revenue Generation Strategies - BETR is licensing Tinman as a white-label platform, expected to create high-margin recurring revenue under an "outcome as a service" model [3] - The company employs direct-to-consumer marketing, business-to-business partnerships, and a new retail channel called "NEO Powered by Better" to enhance distribution [4] Growth Priorities - Key growth strategies include scaling automation, expanding Better Plus products, entering international markets like the U.K., and improving conversion rates to maintain margins amid mortgage cycle fluctuations [4] Competitive Landscape - Despite challenges such as reliance on secondary loan sales and competition from fintechs and traditional lenders, BETR's technology-driven approach and diversified channels present a strong growth framework [5] - The company's low-risk balance sheet structure further supports its potential to become a differentiated player in the mortgage technology sector [5]

As filed with the Securities and Exchange Commission on June 26, 2024 Registration No. 333-279802 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM S-1/A Amendment No. 2 REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933 PINEAPPLE FINANCIAL INC. (Exact Name of Registrant as Specified in its Charter) (State or Other Jurisdiction of Incorporation or Organization) (Primary Standard Industrial Classification Code Number) Canada 6199 Not applicable (I.R.S. Employer Identification ...

As filed with the Securities and Exchange Commission on June 20, 2024 Registration No. 333-279802 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM S-1/A PINEAPPLE FINANCIAL INC. (Exact Name of Registrant as Specified in its Charter) Amendment No. 1 REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933 (State or Other Jurisdiction of Incorporation or Organization) (Primary Standard Industrial Classification Code Number) Shubha Dasgupta Chief Executive Officer Unit 200, 111 Gordo ...

As filed with the Securities and Exchange Commission on September 28, 2023 Registration No. 333-268636 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Amendment No. 6 FORM S-1 REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933 PINEAPPLE FINANCIAL INC. (Exact Name of Registrant as Specified in its Charter) (State or Other Jurisdiction of Incorporation or Organization) (Primary Standard Industrial Classification Code Number) Canada 6199 Not applicable (I.R.S. Employer Identificati ...

As filed with the Securities and Exchange Commission on September 15, 2023 Registration No. 333-268636 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Amendment No. 5 FORM S-1 REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933 PINEAPPLE FINANCIAL INC. (Exact Name of Registrant as Specified in its Charter) (State or Other Jurisdiction of Incorporation or Organization) (Primary Standard Industrial Classification Code Number) Canada 6199 Not applicable (I.R.S. Employer Identificati ...