Garg Vishal 4

What Happened
Vishal Garg, CEO of Better Home & Finance Holding Co. (BETR), converted 3,167 restricted stock units (RSUs) into 3,167 shares on March 15, 2026 (transaction code M). To cover tax withholding on RSU vesting, 1,319 shares were withheld on March 13, 2026 at $32.90 ($43,395) for the March 1 vesting, and 1,752 shares were withheld on March 15, 2026 at $34.45 ($60,356) for the March 15 vesting. Total shares withheld: 3,071 shares, total cash value withheld: $103,751. The disposals reflect tax withholding rather than open-market sales.

Key Details

• Transactions:
  • 2026-03-13: F—1,319 shares withheld at $32.90 = $43,395 (tax withholding for RSUs vested 3/1/2026).
  • 2026-03-15: M—3,167 RSUs converted to 3,167 shares (exercise/conversion; $0 exercise price) (Acquired).
  • 2026-03-15: F—1,752 shares withheld at $34.45 = $60,356 (tax withholding for RSUs vested 3/15/2026).
  • Filing also shows the derivative/RSU position extinguished as part of the conversion/settlement (M, $0).
• Shares owned after the transactions: Not disclosed in this Form 4.
• Footnotes: Each RSU equals a contingent right to one share (F3). Withholdings relate to RSU vesting on March 1 and March 15, 2026 (F1, F2). Vesting schedule described in filing (F4). Withholding share counts were determined using closing prices on Feb 27 and Mar 13, 2026.
• Timeliness: Form filed 2026-03-17 reporting transactions through 2026-03-15; filing appears timely.

Context
This activity is compensation-related (RSU vesting and settlement) rather than an open-market buy or proactive sell. The conversion of RSUs into shares and the share disposals were for tax withholding—common, routine insider activity that does not necessarily indicate a change in confidence or intent to trade shares in the open market.